Refund & Cancellation Policy

This Refund & Cancellation Policy for Kramiq is drafted based on the provided source material and structured to align with the legal framework of the Indian Information Technology Act, 2000, and its associated rules regarding data protection and consumer rights.

Refund & Cancellation Policy

Company: answerIT OPC Private Limited Platform: Kramiq (SaaS) Version: 1.0

1. Purpose and Scope

This policy governs the terms for subscription cancellations, renewals, refunds, and account closures for the Kramiq platform. It applies to all authorized subscribers, including clinics, hospitals, medical practitioners, and other healthcare organizations.

2. Free Trial Period

New customers are eligible for a one (1) month free trial to evaluate the platform.

• Fees: No subscription fee is payable during this period.

• Cancellation: Use may be discontinued at any time without penalty.

• Refunds: As no fee is charged, no refund applies to trial periods.

3. Subscription Plans and Cancellation

Kramiq offers Monthly and Annual subscription plans.

• Cancellation Process: Customers must provide written notice through the designated support channel to cancel.

• Effect of Cancellation: Cancellation prevents future renewals but does not entitle the customer to a refund for the current unused period. Access to the platform remains active until the end of the paid period, unless terminated for a breach of contract.

4. Refund Policy

Generally, subscription fees for both monthly and annual plans are non-refundable once the period has commenced or the subscription is activated.

Exceptions for Refunds: The Company will provide refunds or credits only in the following specific circumstances:

• Duplicate Payments: If a billing error by the Company results in a customer being charged more than once for the same subscription.

• Incorrect Charges: If an administrative error leads to an incorrect amount being charged.

• Technical Failure: At the Company's sole discretion, if a technical activation failure caused by the Company is not resolved within a reasonable timeframe.

• Legal Requirement: As required under applicable Indian consumer protection laws.

5. Data Retention and Export (IT Act Compliance)

In alignment with the Indian Information Technology Act and data protection principles:

• Data Export: Upon termination or non-renewal, customers have 30 days to request an export of their "Customer Data" in a commonly used electronic format.

• Data Deletion: After this 30-day window, data may be securely deleted in accordance with the Company’s Data Retention & Secure Deletion Policy.

• User Accounts: Accounts may be disabled upon cancellation, but outstanding payment obligations remain due.

6. Payment Processing and Disputes

• Payment Gateways: Future online payments (e.g., Razorpay, Cashfree) will be processed by authorized providers, and refunds will typically be issued to the original payment method.

• Chargebacks: Customers are encouraged to resolve billing issues directly with the Company before initiating chargebacks. The Company reserves the right to suspend accounts during chargeback investigations.

7. Company-Initiated Termination

The Company may suspend or terminate services if:

• Fees are unpaid.

• The Customer breaches the Subscription Agreement.

• The platform is used for unlawful purposes or fraudulent activity is suspected.

• Continued service would violate applicable Indian law.

8. Governing Law and Grievance Redressal

This policy is governed by the laws of India.

• Jurisdiction: The courts in Nagpur, Maharashtra, India, have exclusive jurisdiction over disputes.

• Contact/Grievance Redressal: For questions regarding cancellations, refunds, or legal concerns, please contact the designated legal and support channels:

answerIT OPC Private Limited 58B, Ramna Maroti Nagar, Nagpur – 440024, Maharashtra, India. Grievance Officer: Rahul Deotale Support Email: contact@answerit.in Legal Email: legal@answerit.in Phone: +91-9822697543