Refund & Cancellation Policy

1. Policy Overview & Scope

This Refund & Cancellation Policy ("Refund Policy") governs purchases, subscriptions, and financial transactions associated with the ENX Money mobile application and related services operated by Enterprenex Solutions Pvt Ltd ("Company", "we", "us", or "our").

We are committed to fair, transparent billing practices in full compliance with the Google Play Developer Distribution Agreement and Google Play Payments Policy. This policy must be read in conjunction with our Terms & Conditions and Privacy Policy.

2. Eligible Purchase Categories

Based on our audited application architecture, refund eligibility is structured according to the nature of digital offerings:

• Current Free Standard Tier: All standard features—including Khata counterparty ledgers, GST invoice generation, loan amortization schedules, offline record-keeping, and business analytics—are provided free of charge. Because no charges are incurred, no refunds are necessary for standard app usage.
• Future Optional Premium Digital Features: If the Company introduces optional paid premium tiers, cloud backup expansion, or advanced business intelligence add-ons, purchases will be eligible for a refund within our standard review window as detailed below.
• Future Recurring Subscriptions: Any optional recurring subscriptions offered through Google Play Billing will be eligible for cancellation at any time, with refund eligibility governed by this policy and Google Play's automated refund guidelines.

3. Non-Eligible Items & Clarifications

To avoid any ambiguity regarding the scope of our software:

• No Physical Goods: ENX Money does NOT manufacture, inventory, sell, or ship physical goods. Physical product return policies, shipping restocking fees, and transit damage claims do not apply to ENX Money.
• No Real-World / Offline Services: ENX Money does not provide offline manual labor, real-world consultancy, or physical professional services.
• No Marketplace Transactions: As established in our business model audit, ENX Money does not operate as a commercial marketplace connecting independent buyers and sellers. We do not collect marketplace commissions or arbitrate third-party commercial trades.
• Offline Counterparty Entries: Debt entries, credit advances, and repayment transactions recorded between you and your customers or suppliers inside the Khata ledger represent private offline commercial agreements between independent parties. ENX Money is not a party to these transactions and holds no counterparty funds.

4. Refund Request Window

Where paid digital goods or subscriptions are purchased through Google Play or authorized billing channels, the following timeframes govern refund eligibility:

• Google Play Automated Window (Under 48 Hours): For purchases made through Google Play In-App Billing within the last 48 hours, users can obtain an automated refund decision directly through Google Play.
• Developer Review Window (7 Days): For requests submitted after 48 hours but within 7 calendar days of the initial transaction timestamp, the Company will review the refund request on a case-by-case basis.
• Commencement of Window: The refund window begins on the exact date and time the transaction is completed and the purchase confirmation / receipt is issued.

5. Refund Request Process

Users may request a refund through either of the two official channels below:

Method A: Direct Google Play Order History (Fastest for < 48 Hours)

1. Visit Google Play Order History or open the Google Play Store app.
2. Tap on your Profile icon → Payments & Subscriptions → Budget & Order History.
3. Locate the ENX Money transaction, select Request a refund or Report a problem, and follow the on-screen prompts.

Method B: Contact ENX Money Support (Within 7 Days)

1. Open ENX Money → navigate to Profile & Settings → Support & Legal → Help & Support, or email support@enxmoney.com directly.
2. Include your registered account email address, Google Play Order ID (format: GPA.XXXX-XXXX-XXXX-XXXXX), transaction date, and a brief description of why you are requesting a refund.
3. Our support team acknowledges receipt within 24 hours and concludes the review within 3 business days.
4. Approved refunds are credited back to the original payment source within 3 to 5 business days, depending on your financial institution or card issuer.

6. Refund Denial Conditions

A refund request may be denied under the following legally permissible circumstances:

• Late Submission: The refund request was submitted after the expiration of the applicable 7-day eligibility window.
• Abusive or Fraudulent Activity: The user demonstrates a pattern of repeated purchases followed by refund requests, attempts chargeback fraud, or misrepresents transaction details.
• Terms of Service Violation: The account has been suspended or terminated due to illegal activities, money laundering, creation of sham GST invoices, or violation of our Terms & Conditions.
• Active Bank Chargeback: If a formal chargeback or dispute has already been filed directly with a credit card network or banking provider, we cannot process a duplicate internal refund until the banking dispute concludes.

7. Subscription Cancellation

For any future recurring subscription plans purchased on Android devices:

• Self-Service Management: Subscriptions must be cancelled directly through Google Play by visiting Google Play Subscriptions or navigating to Google Play Store → Profile → Payments & Subscriptions → Subscriptions.
• Effective Date of Cancellation: Cancellation halts future recurring billing cycles immediately. Your premium access remains active until the end of your current paid billing period.
• Cancellation vs. Refund: Cancelling a subscription stops future automatic renewals; it does not automatically generate a retroactive refund for the current billing cycle unless requested within the eligible 7-day window.
• Uninstalling App Does Not Cancel: Uninstalling the ENX Money application does NOT automatically cancel an active Google Play subscription. You must explicitly cancel the subscription in your Google Play account settings.

8. Google Play Billing Framework

For all digital content, premium tiers, and subscriptions distributed via Android, Google LLC acts as the Merchant of Record. Payments, taxation (including local VAT/GST calculated by Google), and payment processing are subject to the Google Play Terms of Service.

While the Company assists users with technical inquiries and developer-level refund reviews, we cannot alter or override Google Play's platform-level automated refund determinations or payment processing policies.

9. Statutory & Regional Consumer Rights

Nothing in this Refund Policy restricts or excludes mandatory statutory consumer protection rights guaranteed under applicable law:

• European Economic Area (EEA) & United Kingdom: Consumers possess a statutory 14-day right of withdrawal for digital purchases under European Consumer Law, unless access to digital content has commenced with the user's prior express consent and acknowledgment of loss of withdrawal rights.
• Republic of India: Consumers are protected under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020. The Company ensures transparent redressal for genuine service deficiencies.
• United States / Other Jurisdictions: Statutory rights applicable in your jurisdiction are preserved in full.

10. Account Deletion & Refunds

Under Google Play's User Data Policy, you may permanently delete your account at any time via Settings → Data & Privacy Dashboard → DELETE ACCOUNT PERMANENTLY or through our public Account Deletion Portal.

Important: Deleting your account does not automatically process a monetary refund for past purchases, nor does it cancel active third-party subscriptions managed by Google Play. If you desire a refund, please submit your refund request and cancel any active subscription prior to initiating account deletion.

11. Contact & Support Information

For refund inquiries, billing discrepancies, or assistance with Google Play Order IDs, please contact our support team:

Enterprenex Solutions Pvt Ltd
Attention: Customer Support & Billing Department
Registered Address: Hyderabad, Telangana, India
Support Email: support@enxmoney.com
Legal & Compliance: legal@enxmoney.com
Response Time: Within 24 business hours