Engagement Cancellation & Refund Policy

1. Nature of Services

All services provided by Kharigo Technologies are digital / IT services (software development, API engineering, AI integration, cloud architecture, mobile app development). As such, this policy applies to service fees paid for project work, maintenance, or consultancy — not physical goods.

2. Legal Framework

This policy is formulated in compliance with:

• Consumer Protection Act, 2019 — Sections pertaining to unfair trade practices and consumer rights
• Consumer Protection (E-Commerce) Rules, 2020
• Reserve Bank of India (RBI) Payment Settlement Guidelines
• Information Technology Act, 2000
• Indian Contract Act, 1872 — Section 73 (remedies on breach of contract)

3. Cancellation Policy

3.1 Cancellation by Client (Before Project Start)

If you cancel a project before work has commenced:

• Cancellation within 48 hours of signing / payment: Full refund (100%), minus payment gateway transaction fees if applicable.
• Cancellation between 48 hours and 7 days: Refund of 75% of the advance amount paid.
• Cancellation after 7 days but before work starts: Refund of 50% of the advance amount paid.

3.2 Cancellation After Project Has Started

Once development work has commenced:

• The client will be billed for all work completed to date at a pro-rated rate based on the project scope.
• Any advance payments will be adjusted against the work completed. Any surplus will be refunded; any deficit will be invoiced.
• Cancellation requests must be submitted in writing to [email protected] with 14 days' notice.

3.3 Cancellation by Kharigo

Kharigo reserves the right to cancel a project under the following circumstances:

• Non-payment beyond 30 days of invoice due date
• Client provides incomplete, misleading, or fraudulent project information
• The project violates Indian law or our Terms & Conditions
• Force majeure events preventing completion

In such cases, Kharigo will deliver all completed work and issue a pro-rated refund for any unstarted work portions.

4. Refund Policy

4.1 Eligible Refund Scenarios

Refunds may be issued in the following circumstances:

• Non-delivery: Kharigo fails to deliver agreed milestones within the agreed timeline and cannot provide a revised delivery date within 14 days.
• Duplicate payment: A payment was processed more than once due to a technical error — the duplicate amount will be refunded in full.
• Service cancellation (before start): As per the schedule in Section 3.1.
• Material defects: Where delivered software has critical, reproducible bugs that render it unusable and cannot be rectified within the agreed warranty period.

4.2 Non-Refundable Items

The following are generally not eligible for refunds:

• Work already completed and delivered (code, designs, documentation)
• Third-party software licenses, domain registrations, hosting, or cloud costs procured on behalf of the client
• Consultation and discovery-phase fees (requirement gathering, architecture planning)
• Cases where the client failed to provide necessary inputs causing delays or non-completion
• Change-of-mind cancellations after significant work has been completed

5. Refund Process & Timelines

5.1 How to Request a Refund

1. Submit a written refund request to [email protected] with your project details and reason for refund.
2. Our team will acknowledge receipt within 2 business days.
3. We will review the request and respond with a decision within 7 business days.
4. Approved refunds will be processed within 7–14 business days to the original payment source.

5.2 Refund Methods

• Bank Transfer / NEFT / RTGS: For Indian clients — typically 2–5 business days post-approval.
• Original Payment Gateway: For online payments — subject to the gateway's processing timeline (typically 5–10 business days to appear in your account).
• International Wire Transfer: For international clients — additional FEMA compliance steps may apply; allow up to 21 business days.

Payment gateway transaction fees (typically 2–3%) are non-refundable as they are charged by the payment processor.

6. Chargebacks

We encourage all clients to contact us directly at [email protected] before initiating a chargeback with their bank or payment provider. Unauthorised or fraudulent chargebacks for work legitimately completed may result in:

• Immediate suspension of all active services
• Legal proceedings under the IT Act, 2000 and Indian Penal Code for fraud
• Reporting to relevant financial regulatory bodies

7. Maintenance & Retainer Cancellations

For monthly maintenance or retainer agreements:

• Either party may cancel with 30 days' written notice.
• Pro-rated fees for the partial month at cancellation will be charged.
• Any unused retainer hours from the current billing cycle are non-refundable unless explicitly agreed otherwise in the service agreement.

8. Grievance Redressal

Under the Consumer Protection Act, 2019, you may file a complaint with our Grievance Officer if unsatisfied with our response:

Grievances will be acknowledged within 48 hours and resolved within 30 days. If unresolved, you may approach the Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019.

9. Amendments

Kharigo may update this Cancellation & Refund Policy at any time. The revised policy will be published on this page with an updated "Last Updated" date. Continued engagement with our services after changes constitutes acceptance.

10. Contact Us

For cancellation or refund requests, contact:

Kharigo Technologies
Nashik, Maharashtra, India — 422003
Email: [email protected]