1. Why we don't refund
The MaxiMoney subscription gives you continuous access to our service throughout the month — live credit-score and loan tracking, EMI-savings analysis, negotiation templates, balance-transfer offers, monthly bureau refresh, and dedicated support. The value is delivered every day. Because of this, once a monthly charge has been processed, we do not issue refunds.
2. How to cancel
You can cancel your MaxiMoney subscription at any time, in any of the following ways:
- In-app: open the MaxiMoney app → Profile → Manage Subscription → Cancel.
- Email: write to finance@maximoney.in from the email address linked to your account, with the subject line “Cancel subscription”.
We typically process cancellations within 1 business day. You will receive an email confirmation once the cancellation is effective.
3. What happens when you cancel
- Access continues until the end of your current paid billing cycle (i.e. the date your next renewal was scheduled for).
- No further charges will be processed against your UPI mandate after cancellation.
- If you reach the end of the cycle without re-subscribing, your account moves to a free, read-only state — you will lose access to the active subscriber features (negotiation flow, balance-transfer offers, monthly bureau refresh).
- Your account data is retained for as long as your account exists. To delete the data entirely, follow the Account Deletion flow inside the app or email nevaid@maximoney.in.
4. Failed renewal — no refund needed
If a monthly renewal fails (insufficient balance, mandate revoked, bank error), we do not charge you and there is nothing to refund. Your account will simply become inactive after a 7-day grace period of failed retries. Re-subscribing at any time re-activates your account.
5. Limited exceptions
In rare circumstances we may, at our sole discretion, issue a partial or full refund for a single charge. Examples include:
- A demonstrable duplicate charge for the same billing cycle.
- A charge processed after a cancellation we failed to action in time.
- A material service outage that prevented you from using MaxiMoney for the bulk of a billing cycle.
If you believe one of the above applies to you, email finance@maximoney.in with the subject line “Refund request”, the date and amount of the charge, and a short explanation. We will acknowledge within 24 hours and respond within 7 business days.
6. Where the refund goes (if granted)
Approved refunds are processed back to the original UPI handle (via Razorpay) within 7–10 business days. We do not process refunds to a different account, in cash, or by any other channel.
7. Contact for billing & refund matters
If your matter is not resolved to your satisfaction within 7 business days, you may escalate to the Grievance Officer — see Grievance Redressal.
Registered office — Value Garage Private Limited, Delhi, India.