1. Overview

SplitChey Private Limited ("SplitChey," "we," "us," or "our"), CIN: U62011AP2026PTC127531, located in Vijayawada, Andhra Pradesh, India, provides expense-splitting and group-finance tools as a digital service. All subscription plans grant access to software features delivered electronically. By purchasing a subscription you acknowledge that SplitChey delivers digital products and services, and refunds are handled in accordance with the terms set out below.

2. Free Tier (Basic Plan)

The Basic plan is completely free and includes limited features, up to 5 groups, and basic insights. Because no payment is required, there is nothing to refund. You may stop using the service at any time without incurring any charge.

3. Paid Subscriptions — Refund Eligibility

SplitChey offers the following paid subscription plans:

• Pro: $4/month or $40/year — full access, priority support, unlimited groups, AI insights.
• Premium: $10/month or $100/year — all features, custom themes, export data, shared wallets.

If you are a first-time subscriber and experience a qualifying issue, you may request a refund within 7 calendar days of your initial purchase date. Refund requests submitted after the 7-day window will not be eligible.

4. Annual Subscriptions — Pro-Rata Refund

If you purchased an annual plan (Pro at $40/year or Premium at $100/year) and submit a valid refund request within 7 days of your initial purchase, you are eligible for a pro-rata refundbased on the unused portion of your subscription period. The refund amount will be calculated from the date your request is processed through the end of the annual billing cycle.

5. What Qualifies for a Refund

A refund may be granted if any of the following conditions apply within the 7-day eligibility window:

• Technical issues: Persistent, reproducible bugs or errors that prevent you from using core features of the paid plan and that our support team cannot resolve within a reasonable time.
• Accidental purchase: You accidentally subscribed or were charged due to a billing error.
• Service not as described: The features or capabilities of the plan you purchased materially differ from what was advertised at the time of purchase.

6. What Does NOT Qualify for a Refund

Refunds will not be issued in the following situations:

• Change of mind after 7 days: You decided you no longer need the service after the 7-day eligibility period has passed.
• Account misuse: Your account was suspended or restricted due to violations of our Terms of Service.
• Partial usage: You used the service for a portion of the billing period before requesting a refund (outside the 7-day window).
• Feature requests: The service lacks a specific feature you expected but that was not advertised as part of your plan.
• Third-party issues: Problems caused by third-party integrations, payment processors, or your device/network environment.

7. How to Request a Refund

To request a refund, send an email to our support team:

• Email: support@splitchey.com
• Subject line: "Refund Request"
• Include: Your account email address, a description of the issue, and any relevant screenshots or error messages.

Our team will review your request and respond within 3 business days. We may ask for additional information to verify your identity and assess your eligibility.

8. Processing Time

Once your refund is approved, it will be processed within 5–10 business days. The refund will be credited to the original payment method used at the time of purchase. Depending on your bank or payment provider, it may take an additional 5–10 business days for the refund to appear on your statement.

9. Cancellation Process

You may cancel your subscription at any time through your account settings. Upon cancellation:

• Your access to paid features will continue until the end of your current billing period (monthly or annual).
• No further charges will be made after the current period ends.
• Your account will revert to the free Basic plan at the end of the billing period.
• Data associated with your account will be retained in accordance with our Privacy Policy.

Cancellation does not automatically entitle you to a refund. Refund eligibility is governed by the terms outlined in this policy.

10. Payment Methods and Billing

SplitChey accepts payments through secure third-party payment processors. By subscribing, you authorize us to charge your selected payment method on a recurring basis (monthly or annually) until you cancel. You are responsible for keeping your payment information up to date. Failed payments may result in temporary suspension of paid features until payment is resolved.

11. Changes to This Refund Policy

SplitChey reserves the right to update or modify this Refund & Cancellation Policy at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the service after changes are posted constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

12. Contact Information

If you have questions about this policy or need further assistance, please contact us:

• Company: SplitChey Private Limited
• CIN: U62011AP2026PTC127531
• Location: Vijayawada, Andhra Pradesh, India
• Email: support@splitchey.com