Refund Policy

This Refund Policy applies to all paid subscriptions and charges for Sanchalio's website (sanchalio.com) and the software products operated by Sanchalio, including Brokiva (brokiva.sanchalio.com). Please read it together with our Terms of Service. We want you to be confident before you pay, which is why we explain clearly how billing and cancellation work.

1. No refunds

All payments made for Sanchalio products are final and non-refundable. This includes monthly subscription payments, renewal charges collected through autopay, and trial activation charges. We do not offer refunds or credits for partially used months, unused features, or periods when the Services were not used.

2. Cancel any time

You can cancel your subscription whenever you choose, with no cancellation fee:

1. Sign in to your account.
2. Open your billing settings.
3. Cancel your subscription or turn off autopay.

Once cancelled, you will not be charged again. You keep full access until the end of the billing period you have already paid for, after which the account moves to an unpaid state.

3. Trials

Where a trial is offered, a small activation charge is taken to verify your payment method and set up autopay. If you do not want to continue after the trial, cancel before the trial end date shown in your billing settings. If you do not cancel, the full monthly price is charged automatically when the trial ends, and that charge is non-refundable.

4. Failed or duplicate payments

If you were charged twice for the same period, or charged an incorrect amount because of a technical error on our side or our payment partner's side, contact us with the payment reference. After verification, we will refund the extra or incorrect amount to the original payment method. Refunds of this kind are usually credited within 5 to 10 working days, depending on your bank.

5. Money debited but payment failed

Sometimes a bank debits money even though the payment shows as failed. In such cases, the amount is normally reversed automatically by your bank or by Razorpay within 5 to 7 working days. If it is not, contact us with your transaction details and we will help you follow up.

6. Account suspension

If an account is suspended or closed because it broke our Terms of Service, no refund is given for the remaining period.

7. Contact us

If you have any questions about this policy, write to us at hello@sanchalio.com. We aim to reply within two working days.