Refund & Cancellation Policy

Namaste offers premium subscription plans that provide access to exclusive templates, premium greeting cards, festival posters, advanced customization features, AI-powered content creation tools, and other premium services available on the Platform.

Our subscription plans currently include:

• 1-Day Trial – ₹2, valid for 1 day
• Monthly – ₹199, valid for 30 days
• Yearly – ₹899, valid for 365 days

The 1-Day Trial is a paid trial, not a free one. It is charged at ₹2 and, unless you cancel before it ends, it converts to the Monthly plan at ₹199 and renews every 30 days from then on. Prices are in Indian Rupees and include applicable taxes.

Your subscription becomes active immediately upon successful payment confirmation and remains valid for the duration of the selected plan.

Which payment provider handles your purchase depends on the device you buy on, and you cannot choose between them:

• On Android and the web, payments are processed by RAZORPAY. Through Razorpay you may pay by UPI, UPI AutoPay, credit card, debit card, net banking or a supported wallet
• On iPhone and iPad, payments are processed by APPLE IN-APP PURCHASE, charged to the payment method on your Apple Account. Apple requires this for digital purchases made inside the app

We do not use Google Play Billing, and we do not bill you directly through any other gateway.

All payment transactions are securely processed by authorized third-party payment providers. Namaste does not collect or store your complete card details, UPI PIN, banking passwords, or other sensitive payment credentials.

For subscriptions purchased through Razorpay:

• Starting a subscription authorises a mandate with your bank or UPI application, which is what allows the renewal to be collected without asking you again each time.
• The mandate is authorised for up to the plan price. You are charged the plan price, never more.
• Your bank or UPI application notifies you before a recurring payment is collected, as required by the Reserve Bank of India.
• You can cancel from inside the app, which stops the mandate being used again.
• Cancelling prevents future renewals. It does not shorten the period you have already paid for.

For subscriptions purchased through Apple's App Store:

• Payment is charged to your Apple ID account upon confirmation of purchase.
• Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period.
• Renewal charges may occur within 24 hours before the subscription expires.
• Users may manage or cancel subscriptions through their Apple Account Settings.
• Cancellation prevents future renewals but does not interrupt the current subscription period.
• Refunds are subject to Apple's refund policies and applicable law.

For subscriptions purchased using UPI AutoPay:

• Your subscription may renew automatically before the current subscription expires to ensure uninterrupted access.
• If an automatic payment fails, Namaste may retry the payment for a limited period in accordance with applicable banking and payment network rules.
• If payment continues to fail after multiple retry attempts, your subscription may be automatically cancelled.
• You may disable UPI AutoPay at any time using your UPI application or payment provider.
• Cancellation of AutoPay only prevents future renewals. Premium benefits remain available until the current subscription expires.

Unless cancelled before the renewal date, eligible subscription plans automatically renew for the same subscription period using your selected payment method.

Applicable renewal charges will be deducted at the price displayed at the time of renewal, unless promotional pricing or discounts are applicable.

You may cancel your subscription at any time by:

• Managing subscriptions through Google Play.
• Managing subscriptions through the Apple App Store.
• Disabling UPI AutoPay through your UPI application.
• Using any subscription management option made available within the Namaste Platform.

After cancellation:

• Premium access will continue until the end of the current paid subscription period.
• No future renewal charges will be applied.
• Cancellation does not entitle you to a refund for any unused portion of the subscription.

ALL PURCHASES ARE FINAL. We do not offer refunds, and we do not offer partial refunds for the unused part of a period you have paid for.

This is a digital service that is delivered in full the moment payment succeeds: premium content becomes available to you immediately, and the 1-Day Trial exists precisely so that you can decide whether the service is for you before committing ₹199 or ₹899.

No refund is provided for:

• A change of mind, at any point after payment
• Cancelling part-way through a period you have paid for
• Not using the premium features you bought
• A trial you forgot to cancel before it converted
• A renewal you forgot to cancel before it was collected
• An accidental purchase, once premium has been activated
• A device or an app version that does not support a feature
• Interruptions caused by your internet connection, your device, or a third-party service

CANCEL INSTEAD. Cancelling before the next renewal date costs you nothing and is the only way to avoid a charge — you keep premium until the period you have paid for runs out. Section 7 explains how.

WHAT WE DO CORRECT. If our systems charged you when they should not have — a duplicate charge for the same period, or a charge after you had already cancelled — that is our error, not a refund request, and we will put it right. Write to support@namasteapps.com within 7 days with the payment reference.

PURCHASES MADE ON iPhone AND iPad ARE DIFFERENT. Apple takes the payment, not us, and Apple decides refunds under its own policy. We cannot issue, refuse or influence a refund for an App Store purchase. Request one at reportaproblem.apple.com.

Nothing in this section limits any right you have under the Consumer Protection Act, 2019 or other applicable Indian law.

If you require a tax invoice or payment receipt, please contact us within 7 days of the transaction.

Email: grievance@namasteapps.com

Before initiating any chargeback, payment reversal, or banking dispute, you agree to first contact Namaste so we can investigate and attempt to resolve the issue.

Fraudulent, abusive, or unjustified chargebacks may result in temporary suspension or permanent termination of your account, subject to applicable law.

Unless otherwise stated, all prices displayed on the Platform are inclusive of applicable Goods and Services Tax (GST) and other applicable taxes under Indian law.

Additional charges imposed by your bank, card issuer, payment provider, or mobile platform remain your responsibility.

Namaste may occasionally offer promotional pricing, discount coupons, free trials, or special subscription offers.

Such promotions:

• Are valid only for the specified duration.
• Cannot be exchanged for cash.
• May be withdrawn or modified at any time unless prohibited by law.
• May be subject to additional terms and conditions.

Amibba Systems Private Limited reserves the right to:

• Modify subscription prices.
• Introduce new subscription plans.
• Discontinue existing plans.
• Launch promotional pricing or discounts.

Any pricing changes will apply only to future purchases or renewals and will not affect an active subscription already paid for.

Namaste reserves the right to suspend, terminate, or revoke premium subscriptions without refund if a user:

• Violates the Terms of Service.
• Uses fraudulent payment methods.
• Attempts payment abuse or unauthorized chargebacks.
• Misuses premium features.
• Engages in unlawful or abusive activities on the Platform.

This Policy shall be governed by and interpreted in accordance with the laws of the Republic of India.

Any dispute arising out of or relating to this Policy shall be subject to the exclusive jurisdiction of the competent courts located in Noida, Uttar Pradesh, India.

We may revise this Policy from time to time to reflect changes in our services, payment methods, legal requirements, or business practices.

The latest version will always be available on https://namasteapps.com.

Your continued use of the Platform after any update constitutes acceptance of the revised Policy.