Cancellation Policy

Effective date: April 29, 2026

This policy explains how a Ganakys engagement, subscription, or scheduled payment can be cancelled. It complements our Refund Policy — refunds cover money already paid; cancellation covers stopping future work or future charges.

1. Cancelling a Build-Operate-Transfer engagement

A Build-Operate-Transfer engagement is governed by your signed Master Services Agreement and the relevant Statement of Work. Either party may cancel for material breach that is not cured within 30 days of written notice. Either party may also cancel for convenience subject to the notice period and exit obligations stated in the Statement of Work — typically 30 days for Build, 30 days for Operate, and immediately on Transfer completion.

On cancellation:

• Work-in-progress is delivered up to the effective cancellation date.
• Outstanding invoices for services rendered before cancellation remain payable.
• Refunds for unused prepaid amounts follow the Refund Policy.
• The Transfer schedule, if Build had completed, can be invoked at the cancelling party's option.

2. Cancelling Operate-phase monthly fees

Operate fees are billed monthly in advance. To cancel future months, give written notice via the client portal or email billing@ganakys.com at least 7 days before the next billing date. The notice halts future invoices; fees for the current paid month are non-refundable per the Refund Policy.

3. Cancelling a SaaS product subscription

For software products published by Ganakys with their own subscription billing, cancellation follows the rules stated on each product's pricing page and is exercisable from the product's account settings. Subscription cancellation halts future renewals; access continues until the end of the paid period.

4. Cancelling a Razorpay scheduled payment

If you have authorized Razorpay to charge a recurring payment instrument and wish to cancel that authorization (UPI mandate, e-mandate on cards, or netbanking subscription), you can:

• Cancel from the client portal under "Payments → Recurring authorizations" (where applicable).
• Email billing@ganakys.com with your project or invoice reference.
• Cancel directly with Razorpay or your issuing bank if the mandate is held there.

A cancelled authorization does not retroactively reverse charges already settled. For refunds on past charges, see the Refund Policy.

5. Cancelling a Bank transfer instruction

Bank transfers (NEFT, RTGS, IMPS) are pull instructions you initiate. Once initiated and accepted by your bank, Ganakys cannot cancel them — contact your bank. If a bank-transfer payment was credited to us in error, email billing@ganakys.com and we will return the funds within 14 business days subject to the Refund Policy.

6. Effect of cancellation on data

When you cancel a portal account, your data is retained for 30 days during a soft-delete window (you can re-activate by signing back in within that window). After 30 days the data is anonymized — except for statutorily-retained records (tax invoices for 8 years, GST records for 6 years, audit logs for 6 years), which remain in our systems in anonymized form. See the Privacy Policy for the full retention schedule, and /me/privacy inside the portal to exercise your DPDP rights.

7. Disputes

If you disagree with a cancellation decision (for example, you believe a notice-period requirement should not apply), email grievance@ganakys.com for review. Unresolved disputes follow the dispute-resolution mechanism in your Master Services Agreement.

8. Contact

For cancellation requests, write to billing@ganakys.com or raise a ticket from the client portal.