Cancellations & Refunds

2.1 How to Cancel

Clients may cancel their subscription by:

• Submitting a written cancellation request to billing@ghostai.one
• Using the cancellation option in the account dashboard (where available)
• Contacting the Grievance Officer for disputes relating to the cancellation process

2.2 Effect of Cancellation

• Access Continuity: Access remains active until the end of the current billing period; no prorated refund is issued for unused days unless otherwise stated in this Policy
• No Future Billing: Cancellation stops all future auto-renewals effective from the next billing cycle
• Data Retention: Client data is retained for 30 days post-cancellation for recovery purposes, then deleted per our Privacy Policy

2.3 Notice Period for Enterprise Clients

Enterprise Clients on annual contracts must provide written notice of non-renewal at least 30 days before the contract end date. Failure to provide timely notice may result in automatic renewal per the MSA terms.

3.1 7-Day Satisfaction Window (New Clients Only)

3.2 Service Delivery Failure — Refund Eligibility

Outside the 7-day window, refunds may be granted if the Company fails to deliver the Service as described:

• Service was materially unavailable for more than 72 continuous hours during the billing period due to a Company-side failure (excluding scheduled maintenance notified in advance)
• Core features advertised on the pricing page were fundamentally non-functional at the time of purchase for reasons attributable to the Company
• The Company made a billing error resulting in overcharge

Refund requests on these grounds must be raised within 30 days of the incident. The Company may offer service credits as an alternative remedy.

3.3 Non-Refundable Situations

• Cancellations submitted after 7 days from first payment (for new Clients), unless under Section 3.2
• Partial usage of a billing period after the 7-day window
• Subscription suspended or terminated due to policy violations (Terms & Conditions breach, unauthorized use, etc.)
• Force majeure events outside the Company's reasonable control
• Client's failure to utilize the Service during the billing period
• Change of mind after the 7-day window has elapsed

4.1 Payment Failure Procedure

• Notification: Clients will be notified of a payment failure via email within 24 hours
• Grace Period: A 7-day grace period is provided to update payment details before service suspension
• Retry: The payment system will retry failed transactions up to 3 times during the grace period
• Suspension: If payment is not resolved within the grace period, access to premium features will be suspended
• Restoration: Full access is automatically restored upon successful payment within 60 days of suspension

4.2 RBI Pre-Debit Notification

In compliance with RBI guidelines on recurring payments, Clients will receive a pre-debit notification at least 24 hours before each scheduled auto-debit. Clients may contact billing@ghostai.one to update payment details or cancel the mandate.

Step 1 — Contact Billing Support

Email billing@ghostai.one with your subscription details and a description of the issue. Response within 2 business days.

Step 2 — Grievance Officer

If unresolved after 7 days, escalate to the Grievance Officer:

Step 3 — Arbitration

Disputes not resolved through the above process shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, with seat in Bangalore, Karnataka. See Section 14 of the Terms & Conditions for full arbitration clause.

Step 4 — Consumer Forum (Individual Rights Preserved)

Without prejudice to the above, individual Client representatives who qualify as consumers under the Consumer Protection Act, 2019 retain the right to approach the District Consumer Disputes Redressal Commission (DCDRC) having territorial jurisdiction. The Company will cooperate with any such proceedings and will not seek to contractually waive this right.