Refunds and Cancellation

How to cancel

A UPI AutoPay mandate is cancelled in your own UPI app, not by us. Open the app you approved it in, find the AutoPay or Mandates section, and revoke it. Cancellation takes effect immediately and no further amounts are collected.

If you cannot find it or it will not cancel, email niofxclub@gmail.com with the mobile number you used and we will help.

Cancelling stops future collections. It does not withdraw days that have already been delivered.

The ₹1 authorisation

The ₹1 is what authorises the mandate. It is not refundable — but it also does not commit you to anything: revoke the mandate before the first daily collection and no further amount is taken.

When we refund

If an amount was collected after you revoked the mandate, that is our error and we refund it in full. Email niofxclub@gmail.com and we will return it to the account it came from.

If you were charged twice for the same day, we refund the duplicate in full.

If the service was unavailable for a full day that you paid for, tell us and we refund that day.

We do not otherwise refund days that have already been delivered, because the content was available to use throughout.

How long a refund takes

We start a refund within 3 working days of agreeing it. Your bank then takes its own time to show it, usually 5 to 7 working days.

Refunds go back to the account the money came from. We cannot send one anywhere else.

If something is wrong

Write to niofxclub@gmail.com with the mobile number and the date. We reply within 2 working days.

Nothing here removes any right you have under Indian consumer law.