Refund & Cancellation Policy

This Refund & Cancellation Policy governs subscription cancellations, billing adjustments, and refund requests for MyGrowthEngine ("the Service"), an autonomous AI growth software product operated by Smart Vision TechLabs ("we", "us", or "our"), located at 241/15 Nainagarh, Jhansi, Uttar Pradesh 284003, India.

MyGrowthEngine is delivered as cloud-hosted software-as-a-service (SaaS). Upon account creation and subscription activation, digital access to our intelligence platform, automated crawling engine, proposal generators, and server resources is provisioned instantaneously.

MyGrowthEngine offers four tiered subscription plans billed in advance on a recurring monthly cycle:

• Starter: $29 / month (USD) or ₹2,499 / month (INR)
• Professional: $99 / month (USD) or ₹7,999 / month (INR)
• Business: $249 / month (USD) or ₹19,999 / month (INR)
• Agency: $499 / month (USD) or ₹39,999 / month (INR)

Subscription renewals occur automatically each month on the anniversary date of your subscription activation. All fees are charged in your organization's authoritative billing currency (USD or INR).

We provide two distinct evaluation options with clear billing rules:

You may cancel your subscription at any time without penalty or cancellation fees. You have full self-service control through your workspace:

1. Log in to your MyGrowthEngine dashboard at mygrowthengine.net/login.
2. Navigate to Settings → Workspace → Billing (or visit /dashboard/billing directly).
3. Click Cancel Subscription and confirm the cancellation prompt.

Continued Access: Upon cancellation, your workspace retains full paid entitlements until the end of your current paid billing period. At the conclusion of the period, your account reverts to the Free tier. We do not retroactively revoke access before the period expires.

Because MyGrowthEngine provides immediate access to digital tools, server-intensive website scanning, and cloud AI compute credits, recurring subscription fees are generally non-refundable once the monthly billing period has commenced.

However, we will issue a full or partial refund in the following verifiable circumstances:

• Duplicate / Redundant Charges: If an automated payment gateway error or retry anomaly results in multiple charges for the same billing period, the duplicate amount will be refunded immediately upon verification.
• Billing Processing Error: If you were charged an amount inconsistent with your authorized plan tier or currency setting due to a system defect.
• Prolonged System Outage: If verified platform unavailability exceeds 72 consecutive hours during your active billing period, preventing all platform utility.
• Timely Cancellation Notice: If you attempted to cancel prior to trial renewal but encountered a verifiable platform error that delayed the cancellation.

When you register a payment method for a 14-day paid plan trial, Razorpay or your card issuer may place a temporary pre-authorization hold (typically ₹5 for INR mandates or $1 for USD mandates) to verify card validity.

This temporary verification hold is not a fee or permanent charge. The hold is automatically released or reversed by your bank within 24 to 72 hours, depending on your banking institution's policies.

If an automated monthly renewal fails due to card expiration, insufficient funds, or bank decline:

• Razorpay will automatically retry the transaction according to standard banking retry schedules over 3 to 5 business days.
• An automated notification will be sent to your billing contact email prompting you to update payment details.
• A 3-day grace period is provided during which workspace features remain active.
• If payment cannot be completed after retries, your subscription will be paused and the workspace will transition to the Free tier.

All transactions are processed securely through Razorpay. Smart Vision TechLabs does not store or process complete cardholder numbers.

Bank-Imposed Foreign Transaction Fees: For international USD transactions, some banks or card issuers may assess a foreign transaction fee or currency conversion charge on the customer. These fees are assessed independently by your issuing bank and are non-refundable by Smart Vision TechLabs.

Promotional credits, coupon codes, and partner discounts are non-transferable, cannot be redeemed for cash, and are valid only for the duration and plan tier specified in the promotion. Expired or invalid coupons cannot be applied retroactively to previous invoices.

To request a refund under eligible conditions, please submit a written request to our billing support desk:

1. Send an email to help@mygrowthengine.net with the subject line: Refund Request - [Organization Name].
2. Include the following details:
   • Registered account email address.
   • Organization ID or Workspace Name.
   • Razorpay Payment ID, Subscription ID, or Invoice Number.
   • A clear description of the reason for the refund request.
3. Our billing team will acknowledge receipt within 24 business hours and review the request within 3 to 5 business days.
4. Approved refunds are credited back to the original payment instrument within 5 to 10 business days, depending on your card issuer.

Smart Vision TechLabs reserves the right to terminate or suspend access to MyGrowthEngine for any account that engages in fraud, chargeback abuse, or material violations of our Terms & Conditions.

In the event of account termination initiated by the Operator without cause, a prorated refund will be issued for the unused balance of the paid monthly cycle. No refunds are provided if termination is due to fraud or unlawful conduct.

For any billing inquiries, invoice receipts, or refund queries, contact our billing operations team: