Cancellation and Refund Policy

1. What this policy covers

This policy applies to KavachPlus subscriptions (the KavachPlus Android app, in.digikavachplus.app) that you buy from DigiKavach with UPI, debit or credit cards, net banking or wallets through our payment partners. KavachPlus is a digital service: nothing is shipped (see our Shipping and Delivery Policy).

If you bought KavachPlus through Google Play, Google processed the payment: refunds and cancellations follow Google Play's own policy and are made in the Google Play Store. We are happy to help you with it.

2. Plans and prices

• Monthly: ₹69 for 1 month
• Half-yearly: ₹345 for 6 months
• Yearly: ₹699 for 12 months

All prices include 18% GST. A GST invoice is sent to you by e-mail after every payment.

3. Cancelling your subscription

You can cancel at any time. There is no cancellation fee.

• In the app: open KavachPlus, go to Profile, tap your KavachPlus plan card, tap Turn off auto-pay and confirm.
• In your UPI app or bank: cancel the KavachPlus mandate under Autopay / Mandates, or in your bank's card mandate settings.

After you cancel, no further payment is taken and KavachPlus stays on until the end of the period you have already paid for.

4. When you get a refund

• First purchase: a full refund if you ask within 7 days of your first payment.
• Automatic renewal: a full refund of that renewal if you ask within 48 hours of the debit. Auto-pay is turned off at the same time.
• Duplicate or wrong charges: if you were charged twice, charged without your plan being switched on, or money left your account for a payment that failed, we refund it in full.
• After these periods: the current paid period is not refunded. You can cancel at any time to stop future renewals, and your protection stays on until the period ends.

The refund is the amount you actually paid. A discount, referral benefit or gift voucher used on the purchase is not paid out in cash. When a purchase is refunded, any reward linked to it (for example a referral gift voucher) may be withdrawn.

5. How to ask for a refund

E-mail support@digikavach.com with the subject "KavachPlus refund", or call +91 99000 10895. Please include:

• the mobile number registered to your KavachPlus account;
• the date and amount of the payment, and the payment or invoice reference if you have it.

For your security we confirm that the mobile number is yours before making any change. We never ask for your OTP, UPI PIN, card PIN or password.

6. How long a refund takes

Once a refund is approved, the money goes back to the original payment method (UPI, card, bank account or wallet). It usually reaches you within 5–7 working days; your bank may take a little longer. When a refund is made, KavachPlus for that payment stops and a GST credit note is sent to you by e-mail.

7. Grievances

If you are not satisfied with how your request was handled, you can write to our Grievance Officer: K Phaneendra Kumar, Founder & CEO, ceo@digikavach.com.

DigiKavach Technologies Private Limited, 14 3rd Cross, Kannuramma Layout, Devinagar, L.G. Halli, R.M.V. Extension II Stage, Bangalore North, Bengaluru 560094, Karnataka, India.