Subscription & Refund Policy

This policy is part of the Terms of Use. It explains how paid plans for Frontier Folios Terminal are bought, renewed, changed and cancelled, and when a payment is refunded. Payments are processed by Razorpay; we never see or store your card, UPI or bank details. It is written to meet the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020, and RBI’s rules on recurring payments.

• Plans: Free, Trader, Pro, Elite and Own AI key are individual plans. Firm is priced per seat, with a minimum of 3 seats. Enterprise is priced by agreement. Credit top-ups add AI credits to any plan.
• Prices: shown in rupees on the Pricing page, plus GST at 18%. Annual plans cost 10 months’ price for 12 months. The price you see at checkout, including GST, is the price you pay.
• Credits: each plan’s monthly AI credits are granted at the start of each billing month (IST) and do not roll over. Top-up credits stay valid for 12 months from purchase and are used after the monthly credits. A top-up is 500 credits for ₹599 plus GST.
• Invoices: we issue a GST tax invoice for every payment (CGST + SGST for buyers in Uttar Pradesh, IGST elsewhere). Download it from Settings → Plan & billing. To claim input tax credit, add your GSTIN before paying; we cannot amend an invoice after it is issued.
• Beta: while a beta runs we may charge nothing. The Pricing page and the app say so. This policy applies in full once charging starts.

• Renewal: Trader, Pro, Elite and Own AI key are subscriptions. They renew automatically at the end of each monthly or annual period, through the mandate you approve in Razorpay (UPI AutoPay or card), until you cancel.
• Notices: you receive the pre-debit notification RBI’s e-mandate framework requires before each renewal. Renewals above ₹15,000 need your one-time approval each time, as those rules set out.
• Failed renewals: Razorpay retries the payment. If it still fails, your plan moves to Free with a notice and your data is kept. Pay again any time to restore the plan.
• Price changes: we tell you at least 30 days before a new price applies to your next renewal. You can cancel before it takes effect.
• Mandate management: you can pause or cancel the mandate with your bank or UPI app as well as in Settings; cancelling the mandate without cancelling the plan simply means the plan will not renew.

• Payment: Firm plans are paid for a month or a year at a time, for the number of seats chosen (minimum 3). They do not renew automatically.
• Reminders and renewal: reminders go to the organisation’s administrators 7, 3, 1 days before expiry. Renewal is one click in the app.
• Grace and blocking: a 3-day grace period follows the end date. After that, access is blocked until renewal. Administrators see the renewal panel; members see “Contact your administrator”. Data is kept while access is blocked.
• Seats: seats can be added mid-period at the prorated price for the rest of the period; seats removed take effect at the next renewal.

• Upgrade: takes effect at once. You pay only the prorated difference for the rest of the current period, and the higher credit grant applies immediately.
• Downgrade: takes effect at the end of the current period. Unused credits above the new plan’s grant lapse at that point.
• Cancellation: cancel any time from Settings → Plan & billing, with no questions and no fee. Your plan continues until the end of the period already paid for, and nothing more is charged after that. You keep access to everything you paid for until then.
• Account closure: closing your account cancels any plan at the end of the current period, and your data is deleted as the Privacy Notice sets out.

• No refunds in the ordinary course: payments for plans, seats and credit top-ups are not refundable once made, including for partly used periods and unused credits. This is stated at checkout before you pay, and you can try the Service on the Free plan first.
• Exceptions: we refund in full, to the original payment method, (a) duplicate charges for the same period, (b) charges made after a cancellation took effect because of a technical error, (c) charges for a plan or seats that you could not use at all because of a fault on our side that we could not fix within 7 days of your report, and (d) any other case where the law requires a refund.
• Timing: we initiate approved refunds within 7 working days of agreeing them; Razorpay and your bank then take about 5 to 7 working days to show the credit.
• How to ask: write to support@flyweal.com with the payment id or invoice number from Settings → Plan & billing. We reply within 7 working days with a decision and the reason.
• Chargebacks: if you dispute a charge with your bank instead of writing to us first, we may suspend the account until the dispute is resolved. Please contact us first; it is faster.

Nothing in this policy limits the rights you have under the Consumer Protection Act, 2019 or any other law that cannot be excluded.

Credits granted free, including referral rewards, have no cash value, cannot be transferred or refunded, and may carry an expiry stated when they are granted. We may withdraw promotional credits obtained by breaking the Terms of Use.

Prices exclude GST unless shown otherwise. GST is charged at the rate in force on the invoice date and is paid to the Government; a change in the rate changes the inclusive price from the next payment. We do not withhold or remit any other tax on your behalf. You are responsible for any tax that applies to your trading.

Billing questions and refund requests: support@flyweal.com. Complaints: the Grievance Officer, grievance@flyweal.com, 2/676, Bharwara, Gomti Nagar, Lucknow 226010, Uttar Pradesh, India, acknowledged within 48 hours and resolved within 30 days. This policy is part of the Terms of Use; changes are notified as those Terms say.