Billing Policy

Refund & Cancellation Policy

Effective Date: August 7, 2026 | Gateway: Razorpay

1. Digital Credits Usage Policy

NIVACT operates on a pay-as-you-go credit system. Digital credits purchased through Razorpay provide immediate access to server computations, link shortening infrastructure, and platform utilities.

Non-Refundable Spent Credits: Credits consumed during tool usage (e.g. shortening a link) are processed instantly on server execution and are strictly non-refundable under any circumstances once spent.

2. Refund Window for Unused Credits

If you top up credits and decide not to use the service, you may request a full refund for completely unused credit packages within 7 days of the purchase transaction date.

To qualify for a refund on unused credits:

The refund request must be submitted within 7 calendar days of the Razorpay payment.
No credits from that top-up transaction must have been spent on tool usage.

3. Failed & Duplicate Transactions

If your bank or UPI account was debited during checkout but your NIVACT credit balance was not updated due to network timeouts, Razorpay automatically reconciles failed payments within 5-7 business days back to your original payment source.

4. How to Request a Refund

To request a refund for an unconsumed credit purchase, email your Razorpay Payment ID tohello@nivact.in

Approved refunds are processed back to the original payment source (UPI, Card, NetBanking) within 5 business days.