Refund Policy

Effective date: May 4, 2026 (supersedes April 5, 2026)

Ganakys Codilla Apps OPC Pvt. Ltd. ("Ganakys", "we") engages on a non-refundable basis. Every engagement is bespoke, scoped against your specific business problem, and consumes engineering capacity from the moment we accept the work. Once paid, fees are not refundable except as expressly stated below.

1. Default position — payments are non-refundable

All upfront payments, milestone instalments, monthly Operate fees, professional services fees, and product subscription charges paid to Ganakys are non-refundable. Discontinuing an engagement, cancelling a Statement of Work, or terminating a subscription does not entitle the client to a refund of fees already paid for the current or prior billing period.

This is the default for every commercial relationship with Ganakys and is reflected in our Master Services Agreement and individual Statements of Work. The non-refundable nature of fees is a material commercial term — by initiating a payment, you accept it.

2. Statutory and regulatory carve-outs

This policy does not, and cannot, override consumer rights granted by Indian law. Specifically:

• Services not rendered. If we fail to commence delivery on a paid scope of work — entirely, not partially — and the failure is wholly attributable to Ganakys (i.e., not to client delay, scope dispute, force majeure, or non-cooperation), the client may request a refund of the unutilised payment under the Indian Consumer Protection Act, 2019 Section 2(47) (deficiency in service). Such refunds are evaluated case-by-case and are not automatic.
• Statutory consumer rights. Where the law of the client's jurisdiction grants a non-waivable right to refund (for example, certain DPDP/EU-style cooling-off rules), that right prevails. We comply with non-waivable statutory rights regardless of this policy.
• Payment gateway disputes. Razorpay (our payment processor) operates a chargeback / dispute resolution mechanism. If a chargeback is initiated and upheld by the gateway or the underlying card network, we comply with the resulting refund instruction.
• Erroneous or duplicate charges. Credits resulting from a billing error, a duplicate authorisation, or a transaction that did not deliver any service whatsoever will be reversed when reported within 30 days.

These carve-outs are the only circumstances in which Ganakys issues a refund. Outside these exceptions, refund requests will be declined.

3. How to raise a statutory carve-out claim

Claims under Section 2 must be sent in writing to billing@ganakys.com with: (a) the invoice reference, (b) which carve-out you are invoking, (c) the supporting evidence (correspondence, dates, gateway dispute reference). We acknowledge within 7 business days and respond on the merits within 30 calendar days.

4. Processing of approved carve-outs

Approved refunds (within the Section 2 carve-outs) are processed to the original payment instrument via Razorpay or by bank transfer to the originating account, within 10–14 business days of approval. We do not refund to alternative instruments and we do not refund cash or store credit.

GST and TDS adjustments on approved refunds follow CGST Rule 53 and applicable Income Tax provisions; a credit note will be issued where required.

5. Disputes

If a refund request under Section 2 is declined and you disagree, escalate to grievance@ganakys.com. The Grievance Officer (Snehalatha Ganaky) responds within 7 business days. Unresolved disputes are subject to the dispute resolution mechanism in your Master Services Agreement, including arbitration where applicable.