Refund & Cancellation Policy

1. Overview

This Refund & Cancellation Policy applies to all purchases made through Zinro ("the App") via PhonePe, including subscription plans and one-time credit pack purchases.

For any refund-related inquiries, contact us at hello@zinro.app. We aim to respond within 48 hours.

2. Subscription Cancellation

2.1 How to Cancel

You can cancel your Pro subscription at any time from the app: Settings → Plan & Limits → Cancel Subscription. No need to email us — cancellation is instant from within the app.

2.2 What Happens When You Cancel

• Your subscription remains active until the end of the current billing period
• You retain full access to Pro features (2,500 AI calls/month) until that date
• No further charges will be made
• After the period ends, your account automatically reverts to the Free plan (200 suggestions/month)
• Any unused credit packs you purchased remain available and never expire

2.3 No Partial Refunds

If you cancel mid-cycle, you will not receive a partial refund for the remaining days. This is because you retain access to all Pro features until the end of the paid period.

3. Credit Pack Purchases

3.1 Nature of Credit Packs

Credit packs (₹100 to ₹2,000) are one-time purchases of "never-expire" AI call credits. They are digital goods that are credited to your account immediately upon successful payment.

3.2 Non-Refundable

Credit pack purchases are non-refundable. Since credits are a digital balance that is added to your account and consumed over time, we cannot reverse or refund a credit pack purchase once the transaction is complete.

4. Technical Issues & Failed Payments

4.1 Payment Charged But Credits Not Added

In rare cases, a payment may be successful on PhonePe's end but the credits are not added to your account due to a network or server error. If this happens:

1. Wait 2-3 minutes and restart the app — the credits are typically added via webhook within seconds
2. If credits are still not added, go to Settings → Refresh
3. If the issue persists, contact us at hello@zinro.app with your PhonePe Transaction ID

We will manually verify the payment and add the credits within 24 hours.

4.2 Duplicate Charges

If you've been charged multiple times for the same purchase, contact us immediately. We will verify with PhonePe and process a full refund for the duplicate charge within 7 business days.

4.3 Payment Failed But Amount Deducted

If PhonePe reports a failed payment but your bank shows the amount as deducted, the amount will be auto-refunded by PhonePe within 5-7 business days. You don't need to contact us — PhonePe handles this automatically. If the refund doesn't appear after 7 days, email us with the payment ID and we'll follow up with PhonePe.

5. Subscription Billing Errors

If you believe you were charged incorrectly for a subscription renewal, contact us within 7 days of the charge. We will investigate and, if an error is found, issue a refund for the incorrect charge.

6. How Refunds Are Processed

When a refund is approved, it is processed through PhonePe and credited to the original payment method:

• UPI: Refunded to the same UPI ID within 5-7 business days
• Credit/Debit Card: Refunded to the same card within 7-10 business days
• Net Banking: Refunded to the same bank account within 5-7 business days

The refund timeline depends on your bank's processing time. PhonePe initiates the refund immediately upon our approval.

7. Contact for Refund Requests

For all refund and payment-related inquiries: hello@zinro.app

Please include your registered account email and your official PhonePe Transaction ID or merchant reference number for rapid resolution.

8. Dispute Resolution

If you are not satisfied with our resolution, you may escalate the dispute through PhonePe's dispute resolution process. As a PhonePe merchant partner, we are committed to fair resolution of all payment disputes.