Refund & Cancellation Policy

1. Overview

SCM INSIGHTS offers subscription-based plans for access to trade intelligence data. All payments are processed in Indian Rupees (INR) through Razorpay. This policy explains your rights and our obligations with respect to refunds and cancellations.

2. Cancellation Policy

You may cancel your subscription at any time by:

• Emailing us at aashita@aashita.ai with subject "Cancellation Request – [Registered Email]"
• Using the contact form at scminsights.ai/contact

Upon cancellation, your access to paid features will continue until the end of the current billing period. No automatic renewals occur after cancellation.

Note: SCM INSIGHTS plans are currently one-time annual subscriptions without auto-renewal. We will notify you before any recurring billing model is introduced.

3. Paid Plans Are Non-Refundable

Once a paid plan is activated it is not refundable, in whole or in part, whether or not you have used it. We offer a free TRIAL plan precisely so you can evaluate the platform at no cost and no risk before any money changes hands.

Please use the TRIAL to confirm the data covers the countries, HS codes and companies you need. If anything is unclear, ask us before purchasing — we would far rather answer questions up front than take a payment you did not mean to make.

4. How to Raise a Billing Issue

To request a refund, please:

1. Email aashita@aashita.ai with subject: Billing Issue – [Razorpay Order ID]
2. Include your registered email address and the reason for the refund request
3. Our team will review and respond within 2 working days
4. If approved, the refund will be processed within 5–7 working days to your original payment method

Razorpay refunds are reflected in your bank account within 5–7 business days depending on your bank. UPI refunds may take up to 3 business days.

5. Partial Refunds

No partial or pro-rata refunds are issued for unused days of a plan period. Plans are sold as a whole term and access runs to the end of that term regardless of how much of it you use.

6. Free Trial Plan

SCM INSIGHTS offers a free TRIAL plan that lets you explore the platform with limited access before purchasing. Because paid plans are non-refundable, the TRIAL is the safeguard this policy relies on — please use it, and take as long as you need, before making a payment.

The TRIAL plan incurs no cost and no payment is required. No refund requests are applicable to the TRIAL plan.

7. GST on Refunds

Where a refund is due under section 3, it covers the full amount paid, inclusive of GST. The Company will reverse the corresponding GST transaction as per applicable GST regulations.

8. Consumer Rights

This policy does not limit your statutory rights under the Consumer Protection Act 2019. If you believe you have a valid consumer grievance, you may also file a complaint with the appropriate Consumer Forum in India.

9. Contact for Refund Disputes