Refund & Cancellation Policy

This policy applies to paid UMAP360 subscriptions billed through our payment processor, Razorpay. It explains how the 14-day free trial works, how cancellation takes effect, when refunds are issued, and how to escalate a billing dispute.

This policy works alongside our Terms of Service (which contains the underlying subscription-billing clause) and our Pricing page (which lists the current plan tiers and rates).

Starter Plus and Growth plans include a 14-day free trial. A card is required to start the trial, but no charge is made until day 15. You can cancel any time before day 15 with no fees and no charge.

The free Starter tier does not require a card and does not generate any charge — there is nothing to refund.

You can cancel a paid subscription from your dashboard at any time. Cancellation takes effect at the end of your current billing cycle — you retain access until then, and no further charges are made.

• Monthly plans: access continues until the end of the current monthly cycle; no charge for the next cycle
• Annual plans: access continues until the end of the annual term you already paid for; no charge at renewal
• Downgrades (Growth → Starter Plus, or paid → free): take effect at the end of the current cycle (per /pricing FAQ)
• Upgrades (Starter Plus → Growth): take effect immediately; billing is prorated from the day of the change (per /pricing FAQ)

No refunds are issued for partial billing periods. The 14-day free trial is designed to cover buyer’s remorse and product fit before any charge is made. Once a billing cycle has started, the charge for that cycle is non-refundable.

Refunds may be issued at our discretion in the following situations:

• Duplicate charges caused by a payment-processor error — refunded in full, usually within 5–7 business days
• Unauthorized charges (a charge to a card that was not authorized by the cardholder) — refunded in full after verification, and the affected account is suspended pending investigation
• Service unavailability covered by the Enterprise SLA — credited per §5

Where a refund is issued, it is processed back to the original payment method via Razorpay. UMAP360 does not issue refunds as cash, store credit, or to a payment method other than the one originally charged.

Enterprise customers with an uptime SLA in their contract are eligible for a service credit if monthly uptime falls below the SLA threshold:

• Uptime below 99.9% in any month → 10% service credit on that month’s subscription fee, applied to the next invoice
• Credits do not stack across consecutive months unless specifically negotiated in the Enterprise contract
• Credits are not redeemable for cash refunds

To request an SLA credit, email contact@umap360.com within 30 days of the affected month, citing the incident window. We will verify against our uptime monitoring and confirm the credit on the next invoice.

If you believe a charge is incorrect — duplicate, unauthorized, billed after cancellation, or otherwise unexpected — please contact us first at contact@umap360.com. Most billing disputes can be resolved within 2–3 business days without involving your card issuer or Razorpay’s dispute flow.

Raising a chargeback through your card issuer without first contacting us may result in:

• Suspension of the affected UMAP360 account pending dispute resolution
• Slower resolution timeline (chargebacks typically take 30–90 days through the card-issuer process; direct resolution is faster)
• Recovery of any disputed amount plus the payment-processor’s chargeback fee, if the dispute is found to be unfounded

If our direct resolution is unsatisfactory, you retain your full statutory rights to escalate through your card issuer, Razorpay’s dispute mechanism, or the appropriate consumer-protection forum in your jurisdiction. This policy is not a waiver of those rights.

To cancel a subscription

Sign in to your UMAP360 dashboard → Settings → Billing → Cancel subscription. The cancellation takes effect at the end of the current billing cycle.

To request a refund

Email contact@umap360.com from the address associated with your account. Include the invoice number (visible in your dashboard’s Billing section) and the reason for the request. We will acknowledge within 2 business days and process eligible refunds within 5–7 business days. Refunds typically appear on your card statement within 7–14 days of processing, depending on your card issuer.

We update this page whenever the underlying subscription terms in Terms of Service or the plan structure on Pricing change in a way that affects refunds or cancellation. Material changes are flagged in the Last updated date at the top of this page.