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:

• Monthly Plan – Valid for 30 days
• Quarterly Plan – Valid for 90 days
• Half-Yearly Plan – Valid for 180 days
• Annual Plan – Valid for 365 days

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

Depending on your device, location, and availability, payments may be processed through one or more of the following methods:

• Google Play Billing
• Apple App Store Billing
• UPI AutoPay
• UPI Payments
• Cashfree Payments
• Credit Cards
• Debit Cards
• Net Banking
• Wallets
• Other payment methods supported by the Platform

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 Google Play:

• Payment will be charged to your Google Play account after confirmation of purchase.
• Subscriptions automatically renew unless cancelled before the renewal date.
• Renewal charges will be processed according to Google's billing policies.
• You can manage or cancel your subscription at any time through your Google Play account settings.
• Cancelling your subscription prevents future renewals but does not affect the current subscription period.
• Refunds are governed by Google's refund policies and applicable law.

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.

Except where required by applicable law or the policies of Google Play, Apple App Store, or the relevant payment provider, all subscription purchases are final and non-refundable.

Refunds will generally NOT be provided for:

• Partial subscription periods
• Early cancellation
• Change of mind
• Failure to use subscription benefits
• Accidental purchases after successful activation
• Incompatibility arising from unsupported devices
• Temporary service interruptions caused by internet connectivity or third-party services

If you believe a payment was charged incorrectly due to a technical error, duplicate billing, or unauthorized processing attributable to our systems, please contact us. Eligible requests will be reviewed individually in accordance with applicable 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.