Refund Policy

Version 2.0. This version takes effect on 27 October 2026. It replaces the previous version from this date.

The short version

• Margifi has five plans: Free, Pro, Engage, Max and Max+. Prices are on our pricing page in INR, plus 18% GST.
• You can pay monthly, quarterly or yearly.
• Picking Free starts a 7-day Pro trial. No card is needed and nothing is charged.
• Changed your mind? Ask within 7 days of your first payment and we refund it in full. No conditions.
• Cancel any time. It takes effect at the end of the period you have paid for. No lock-in and no cancellation fee.
• WhatsApp message charges are paid by you directly to Meta, not to Margifi, so they are outside this policy.

Plans and billing cycles

Margifi is billed in Indian Rupees (INR) through Razorpay. Current prices for each plan and billing cycle are shown on our pricing page. All prices are plus 18% GST, which is shown separately on your invoice.

Billing cycles.

• Monthly: charged for one month at the start of each billing period.
• Quarterly: charged for three months at the start of each billing period.
• Yearly: charged for twelve months at the start of each billing period.

Your invoice is issued to the billing details you give us. If we change a price, we tell you at least 30 days before, and the new price applies from your next renewal.

Free trial

When you pick the Free plan, you get a 7-day Pro trial.

1. No card and no payment mandate are needed to start.
2. For 7 days you can use Pro features.
3. After day 7, if you have not paid, your Pro numbers are locked. Your data keeps syncing and your Free plan keeps working.
4. Pay for a plan at any time to unlock your Pro numbers.

Because nothing is charged during the trial, there is nothing to cancel or refund when it ends.

When a refund is available

1. Your first payment: 7 days, no conditions

If you ask within 7 days of your first payment, we refund that payment in full. This applies to monthly, quarterly and yearly plans. You do not need to give a reason.

2. Billing errors

If you were charged the wrong amount, charged twice for the same period, or charged after a confirmed cancellation, we refund the wrong amount in full.

3. Pro-rata refunds

We refund the unused part of a period you have already paid for if:

• Margifi ends the service for convenience. We give you 60 days' notice before doing so.
• Margifi materially fails to provide the service, you tell us about it in writing, and we do not fix it within 15 days of your notice.
• You object to a new sub-processor and we cannot accommodate the objection, and you end the affected product.
• You object to a change in our Terms and cancel because of it.

How refunds are paid

Refunds go back to your original payment method through Razorpay within 7–10 business days of approval. We email you when the refund is started.

When we do not issue refunds

Apart from the cases above, we do not give partial refunds for the rest of a billing period. In particular:

• Cancelling mid-period. You keep access until the end of the period you paid for. The unused time is not refunded.
• Downgrading. A downgrade takes effect at the start of your next billing period. No credit or refund is given for the difference in the current period.
• Renewals. Renewal payments after your first payment are not covered by the 7-day first-payment refund.

WhatsApp message charges

Engage and Inbox use your own WhatsApp Business account. Meta bills WhatsApp message charges directly to the payment method you add in Meta's WhatsApp Manager. Margifi adds no markup and never collects or holds these charges. The message costs shown in Engage are for your information only.

Because these charges are paid to Meta, not to Margifi, they are outside this Refund Policy. Questions or disputes about them go to Meta's billing support.

Renewals and payment reminders

Paid plans renew automatically at the end of each billing period until you cancel.

• We send a renewal reminder 7 days before a monthly or quarterly renewal, and 30 days before a yearly renewal.
• If you pay with an automatic payment mandate (for example a card or UPI AutoPay), you also get a pre-debit notification at least 24 hours before each debit, as RBI e-mandate rules require.
• If you think a charge is wrong, tell us within 30 days of the charge at admin@margifi.com.

How to cancel your subscription

You can cancel at any time. There is no lock-in and no cancellation fee.

To cancel

1. Log in to your Margifi account at app.margifi.com.
2. Go to Settings → Billing and cancel your subscription.
3. Follow the on-screen confirmation steps.

Or email admin@margifi.com from your registered email address with the subject line Cancel Subscription: [your account email]. We confirm the cancellation by email.

What happens after cancellation

• Your access continues until the end of the period you have paid for.
• You are not charged again.
• You can export your data for 30 days after your access ends. After that, your data is deleted, including from backups, by day 90. See our Data deletion page.

Some records are kept longer where the law requires it, for example billing records, which we keep as required by Indian tax and company law (currently up to 8 years). See our Privacy Policy for details.

How to request a refund

1. Email admin@margifi.com
   Use the subject line Refund Request: [your account email]. Include your registered account email and the Razorpay payment ID from your invoice (format: pay_XXXXXXXXXX). For a first-payment refund, no reason is needed.
2. We reply by email.
   We confirm whether the refund is approved. For first-payment refunds asked within 7 days, approval is automatic.
3. Refund paid within 7–10 business days of approval.
   The refund goes to your original payment method. You receive a confirmation email with the refund reference.

Contact

• Billing and refunds: admin@margifi.com
• Privacy and data complaints: see our Grievance Policy
• Everything else: our Contact page

Margifi Private Limited, 230, Ayodhyapuram Residency, Nr Valak Patiya, Valak, Surat City, PO: Sarthana, Dist: Surat, Gujarat 395006, India.

Version history

• Version 2.0, 27 October 2026 (effective 27 October 2026): new plans (Free, Pro, Engage, Max, Max+) with quarterly billing and GST shown separately; 7-day no-card Pro trial replaces the AutoPay trial; full refund of the first payment within 7 days with no conditions; pro-rata refunds when Margifi ends or fails to provide the service, or you object to a sub-processor or Terms change; WhatsApp message charges explained; renewal reminders and RBI pre-debit notice added; billing disputes within 30 days; contact moved to admin@margifi.com.
• Previous version, 9 June 2026.