Refund & Cancellation Policy

1. Overview

This Refund and Cancellation Policy governs all subscription purchases made on Nanbu (accessible at [Insert Website URL]), operated by [Insert Company Name]. All payments on the Platform are processed by Razorpay Software Private Limited(“Razorpay”).

By making a purchase on the Platform, you acknowledge that you have read, understood, and agree to the terms of this policy.

2. Nature of Services

Nanbu is a digital content subscription platform. When you subscribe to a Creator’s membership tier, you receive immediate access to digital content (text, images, videos, audio, broadcast updates, and at eligible tiers, direct messaging access). This content is delivered and consumed digitally and in real time.

3. Refund Policy

3.1 General Policy - Non-Refundable

Due to the nature of digital content and the immediate access provided upon subscription, all subscription payments are generally non-refundable. Once you subscribe to a Creator’s tier and gain access to their content, the subscription fee for that billing period is considered earned and non-refundable.

3.2 Exceptions - Eligible Refund Scenarios

Despite the general non-refundable policy, Nanbu will consider refunds in the following exceptional circumstances:

• Duplicate charges: If you are charged more than once for the same subscription or billing period due to a technical or payment gateway error.
• Unauthorized transactions: If a payment was made from your account without your authorization (subject to verification).
• Technical payment failures: If you were charged but did not receive access to the subscribed content due to a platform or payment processing error.
• Creator account termination: If a Creator’s account is terminated by Nanbu for policy violations and the Creator’s content becomes permanently unavailable during an active subscription period, a pro-rata refund for the remaining days of that billing cycle may be issued.

3.3 Refund Request Window

Refund requests for eligible scenarios must be submitted within 7 (seven) calendar days of the transaction date. Requests submitted after this window will not be considered.

3.4 How to Request a Refund

To request a refund, please contact our support team with the following information:

• Your registered email address on Nanbu.
• Transaction ID or Razorpay Payment ID (available in your payment confirmation email or bank/UPI statement).
• Date and amount of the transaction.
• Reason for the refund request.
• Any supporting documentation (e.g., screenshots of duplicate charges, bank statements).

Send your refund request to: [Insert Support Email]

Please use the subject line: “Refund Request - [Your Name]”

4. Refund Processing

4.1 Review Timeline

All refund requests will be reviewed by our team within 3 (three) business days of receipt. You will receive an email notification confirming whether your refund has been approved or rejected, along with a reason for the decision.

4.2 Processing Timeline

Approved refunds will be processed through Razorpay and credited back to the original payment method within 5-7 business days from the date of approval. The actual time for the refund to reflect in your account may vary depending on your bank, UPI provider, or card issuer.

Typical refund credit timelines by payment method:

• UPI: 2-5 business days
• Debit/Credit cards: 5-7 business days
• Net banking: 5-7 business days
• Wallets: 2-3 business days

4.3 Refund Amount

Refunds will be for the exact amount charged for the disputed transaction. Any applicable bank charges, convenience fees, or payment gateway charges associated with the original transaction may or may not be included in the refund, depending on the circumstances and the policies of the payment processor and your financial institution.

5. Subscription Cancellation

5.1 How to Cancel a Subscription

You may cancel your subscription to any Creator at any time through one of the following methods:

• Self-service (recommended): Navigate to your account settings on the Platform, locate the active subscription, and select “Cancel Subscription.”
• Email request: Send a cancellation request to [Insert Support Email] with your registered email address and the name of the Creator whose subscription you wish to cancel.

5.2 Effect of Cancellation

• Cancellation takes effect at the end of the current billing period. You will continue to have access to the Creator’s content until your current subscription period expires.
• No partial refund will be issued for the remaining days of the current billing cycle upon voluntary cancellation.
• Your recurring billing will stop, and no further charges will be made after the current billing period ends.
• You may re-subscribe to the same Creator at any time by selecting a tier on their profile page.

5.3 Auto-Renewal

All subscriptions on Nanbu are set to auto-renew on a monthly basis. If you do not cancel before the next billing date, your payment method will be charged automatically for the renewal period. You will receive a reminder notification before each renewal.

6. Account Termination by Nanbu

If Nanbu terminates your account due to a violation of our Terms of Service:

• For Members: Active subscriptions will be cancelled. No refund will be issued for the current billing period.
• For Creators: Pending payouts may be withheld or forfeited as described in our Terms of Service.

7. Disputes

If you are unsatisfied with the outcome of a refund request, you may escalate the matter by contacting our Grievance Officer (details available on our Contact Us page). You also have the right to initiate a dispute through your bank or payment provider, though we encourage you to reach out to us first for a faster resolution.

8. Changes to This Policy

We reserve the right to modify this Refund and Cancellation Policy at any time. Changes will be posted on this page with a revised “Last updated” date. Your continued use of the Platform after such changes constitutes acceptance of the updated policy.

9. Contact Us

For questions about this policy or to submit a refund request:

• [Insert Company Name]
• Email: [Insert Support Email]
• Address: [Insert Registered Address]