Refund & Cancellation Policy

Last updated: [GO-LIVE DATE]

This policy explains cancellations and refunds for KiT-PaT, operated by [LEGAL ENTITY NAME]. It forms part of our Terms of Use.

1. KiT-PaT is free to begin

Creating a group and running your kitty is free to start. Where we offer paid plans, the total price and any charges are shown clearly before you pay, with no pre-ticked boxes.

2. Kitty contributions are between members

Money that members contribute to their group's kitty is between the members of that group. KiT-PaT records these amounts but does not charge, collect or hold them, so we cannot refund a kitty contribution — members settle those among themselves.

3. Refunds on paid plans

If you buy a paid plan:

• Cooling-off. If you have not used the plan's paid features, you may request a full refund within 7 days of purchase.
• After use or after 7 days. Fees are non-refundable once the paid features have been used or the period has begun, except where the law requires otherwise or where we failed to provide what you paid for.
• Subscriptions. You can cancel a subscription at any time; cancellation stops future renewals. Unless the law requires otherwise, the current paid period runs to its end and is not pro-rated.
• Faulty or undelivered service. If a paid feature is not delivered or is materially faulty, you are entitled to a remedy, including a refund.

4. How to request a refund

Email support@kitpat.in from your registered email with your name, the date and amount of purchase, and a short reason. We will acknowledge within 48 hours and decide within a reasonable time.

5. How refunds are paid

Approved refunds are returned to your original payment method through our payment gateway, normally within 5–7 business days of approval, in line with the timelines set by the Reserve Bank of India. Your bank may take a little longer to reflect it.

6. Grievances

Not happy with a refund decision? Contact our Grievance Officer, [GRIEVANCE OFFICER NAME], at support@kitpat.in (acknowledged within 48 hours, resolved within one month). You also keep your rights under the Consumer Protection Act, 2019.

Contact: support@kitpat.in