Refunds, Cancellation & Delivery

1. In short

• You can cancel at any time, from inside the app, without contacting anyone.
• Cancelling stops the next charge. You keep everything you have paid for until the end of that period.
• We do not refund part-used periods.
• We do refund duplicate charges, charges after a cancellation, and anything billed in error — in full.
• Your data stays yours either way, and you can export it at any time.

2. Free trial

Moniqo Pro offers a 14-day free trial. It is opt-in, needs no card, and does not renew into a paid plan on its own — when it ends, the account simply returns to the Free plan. Nothing is charged unless you choose a paid plan and complete a payment.

The trial is why this policy does not offer a separate money-back window: you can use the paid features fully before paying anything.

3. Cancelling

Go to Settings → Plan and choose to cancel. It takes effect immediately in the sense that no further payment will be taken; your paid features continue until the end of the period you already paid for.

You do not need to email us, explain why, or speak to anyone to cancel. If the button ever fails, write to support@moniqo.me and we will cancel it for you and stop any charge that would otherwise fall due.

4. Refunds

Part-used periods are not refunded. If you cancel a monthly plan on day 20, you keep the plan until day 30 and are not charged again.

We refund in full, without argument, when:

• you were charged twice for the same period;
• you were charged after cancelling;
• a technical fault on our side prevented you from using a paid feature for a meaningful part of the period, and we could not fix it;
• the amount charged differs from the amount shown to you at checkout.

Outside those cases we will still read what you send us. If you paid for a year and something is genuinely wrong, write to support@moniqo.me and say so plainly — a policy is not a reason to be unreasonable.

5. How refunds are paid

• Approved refunds are returned to the original payment method. We cannot send a refund anywhere else.
• We initiate the refund within 3 business days of approving it.
• Your bank or card issuer then takes typically 5–7 business days to post it. That part is outside our control, and the delay is theirs rather than ours.
• Payments are processed by Razorpay; a refund follows the same route back.

6. Delivery of the service

Moniqo is software delivered over the internet. There is nothing to ship. Access to a paid plan is granted as soon as the payment is confirmed, usually within seconds, and appears on your account without any further step.

If a payment succeeds and your plan has not changed within a few minutes, that is a fault on our side. Tell us at support@moniqo.me — we can see the payment and will apply the plan.

7. Price changes

A price change never affects a period you have already paid for. If prices change, the new price applies from your next renewal, and we will tell you before it is charged.

8. Taxes

Indian customers are charged GST in addition to the listed price, and receive a tax invoice showing the split. A refund returns the tax with it. Exports are zero-rated under LUT where applicable.

9. Contact

OptiFi Technologies LLP · support@moniqo.me

We aim to answer within two business days. For anything about a charge, include the invoice number — it is on the tax invoice you can download from Settings → Plan.