Refund & Cancellation Policy

This Refund & Cancellation Policy defines the operational terms and conditions governing subscription cancellations, service adjustments, and refund requests for services provided by GRCNow Solutions Private Limited("GRCNow", "we", "us", or "our"). This policy forms an integral part of our Terms & Conditions.

1. SaaS Subscriptions

1.1 Monthly Recurring Plans

• Cancellation at Will: You may cancel an active monthly subscription at any time directly through your account dashboard or by submitting an email to contact@grcnow.in.
• No Advance Renewals: Upon cancellation, automated future renewals are immediately suspended. Your organization retains uninterrupted access to all plan features, dashboards, and audit logs until the end of the current pre-paid monthly billing period.
• Monthly Fees Non-Refundable: Due to immediate provisioning of compute resources, edge security, and access to proprietary policy libraries, fees already assessed for monthly billing cycles are strictly non-refundable.

1.2 Annual Advance Subscriptions

• 7-Day Pro-Rata Refund Window: For annual subscription agreements, you may request cancellation within seven (7) calendar days of the initial purchase or subsequent annual renewal.
• Pro-Rata Calculation: If eligible cancellation is initiated within this 7-day grace window, GRCNow will issue a pro-rata refund corresponding to the remaining unused full months of the billing term, deducting the value of one month at the standard non-discounted monthly rate.
• Beyond 7 Days: Annual subscriptions cancelled beyond the 7-day grace period are not entitled to refunds, but access remains active through the conclusion of the paid annual term.

2. One-Time Paid Compliance Reports

GRCNow provides specialized one-time compliance deliverables, such as the Standard Gap Analysis and the Premium Compliance Roadmap:

• Digital Deliverable Nature: Because paid compliance reports involve algorithmic parsing, specialized scoring engines, and rapid preliminary review, fees for one-time reports become non-refundable once automated processing has commenced or the generated deliverable is transmitted to your email.
• Non-Delivery Exception: In the rare event that GRCNow fails to transmit your requested paid compliance report within five (5) business days of confirmed payment realization, and you do not wish to wait further, a full 100% refund of the purchase amount will be credited to the original source instrument.

3. Partner Advisory & Legal Documentation Engagements

Fees paid directly to independent empanelled Chartered Accountants, privacy attorneys, or third-party law firms for custom legal drafting, compliance certifications, or representation are governed entirely by the terms of your separate, direct engagement agreement with that respective professional partner. GRCNow does not collect nor refund fees charged by independent third-party professional firms.

4. Processing Timelines & Methods

• Approved Refunds: All legitimate refund requests approved under this policy are processed within 5 to 7 business days of approval.
• Payment Channel: Refunds are credited strictly back to the original source bank account, credit card, or UPI ID utilized during the initial transaction, in compliance with RBI merchant guidelines. No cash or third-party transfer refunds are issued.

5. Payment Disputes & Chargebacks

We encourage our customers to contact our support desk directly to resolve any invoice discrepancies or billing concerns. Initiating an unauthorized chargeback or payment grievance through your banking partner without first contacting us may result in immediate suspension of account dashboards, audit trails, and partner access pending dispute resolution.

6. Refund Support & Assistance

To request a cancellation, submit a refund inquiry, or resolve any billing matter, please reach out to our billing desk using the contact details provided in the website footer below.