This policy applies to paid plans bought on Finotop, such as Finotop Plus. It forms part of our Terms of Service. Payments are processed by our payment partner, Cashfree Payments.
1. What you are buying
A paid plan is bought for one month or one year at a time and paid in advance. It is not a subscription that renews automatically: we never charge you again unless you choose to buy another period.
2. Delivery
Finotop is an online service; nothing is shipped. Your plan is activated on your Finotop account as soon as your payment is confirmed, usually within a minute. If your plan is not active within 24 hours of a successful payment, email us and we will activate it or refund you in full.
3. Cancellation
Because plans do not renew, there is nothing to cancel to stop future charges. When your paid period ends, your account moves to the Free plan and keeps all your information.
4. Refunds
Once a paid period has started, we do not refund it in full or in part, except:
- if you were charged more than once for the same purchase — we refund the extra payment;
- if you were charged but your plan was not activated and we cannot activate it — we refund the payment in full;
- if a fault on our side makes the paid features unavailable for a significant part of your period — we will offer a refund for the affected time; or
- where the law requires a refund.
To ask for a refund, email privacy@finotop.com within 30 days of the payment, with the email address on your account and the date and amount of the payment. We reply within 3 working days.
5. How refunds are paid
Approved refunds are made to the same card, UPI account or bank account you paid with, through Cashfree. They usually reach you within 5–7 working days of approval, depending on your bank.
6. Failed or interrupted payments
If a payment fails or you leave the payment page, no plan is bought. If money was debited for a payment that failed, your bank or payment provider normally reverses it automatically within 5–7 working days. If it has not been reversed after that, email us and we will help.
7. Price changes
A new price applies only to purchases made after the change. It never changes a period you have already paid for.
8. Contact
For anything about a payment or refund, email privacy@finotop.com.