Cancellation & Refund Policy

Zealvert® Consulting | Version 3.1 | Effective Date: 1 September 2026

Language. This document is available in English and in any language listed in the Eighth Schedule to the Constitution of India. Write to consult@zealvert.com and we will send you a copy in the language you choose, free of charge, within 7 working days.

Version 3.1 (1 September 2026) replaces Version 3.0. It applies this Policy to Exohil, our AI-assisted career preparation application, in a new Section 4A. Exohil has a 7-day window to report a fault rather than a change-of-mind refund, because the measuring half of the product, including every skill assessment, is free to use before buying; it is a single payment that never renews; and Section 4A.4 confirms that statutory rights under the Consumer Protection Act, 2019 are unaffected. No existing section number has moved and nothing about send2ca or Zealvert Payslips Processor is changed. Version 3.0 (29 August 2026) applied this Policy to send2ca, kept the 7-day refund period, and added Section 9A, which explains why you must export your own data before cancelling.

This Policy governs the terms under which engagements with, and subscriptions to, Zealvert® Consulting may be cancelled and whether refunds apply. It complies with the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020.

1. What this Policy covers

1A. Related disclosures

(Required by Rule 7(1), Consumer Protection (E-Commerce) Rules, 2020)

• Delivery and shipping. Our services are supplied electronically. There is no physical shipment and therefore no cost of return shipping. Provisioning and access timelines are in our Shipping and Exchange Policy.
• Exchange. Exohil is sold as a single plan with no editions, so there is nothing to exchange and no upgrade or downgrade to price. A send2ca subscription may be exchanged for a different edition at any time. On an upgrade you pay the difference in proportion to the time left in your term; on a downgrade the difference is credited against your next renewal.
• Warranty and guarantee. The warranties we give, and their limits, are in Sections 3.4, 3.5, 4.7 and 10 of our Terms and Conditions. These do not affect your statutory rights under the Consumer Protection Act, 2019.
• Payment methods. Those shown at checkout.
• Ticket numbers. Every complaint we receive at consult@zealvert.com is given a ticket number, which we send you with our acknowledgement and by which you can track its status.

2. The 7-day refund period

We use the same number — 7 days — for both our software and our professional services, but it works differently in each case.

• Exohil: you have 7 calendar days after a charge to report a fault. A refund is due where Exohil did not do what we said it does. It is not a change-of-mind refund, because the measuring half of Exohil is free to use before you buy. See Section 4A.
• send2ca software: you have 7 calendar days after a charge to ask for a full refund.
• Professional services: you must cancel more than 7 calendar days before the work is due to start to receive a full refund of your advance.
• Microsoft Store purchases: governed by Microsoft's own refund rules, not by this 7-day period. See Section 5.

The detail for each is below.

3. Professional services (consulting, education, project management)

3.1 Cancelling before the work starts

Notify us in writing at consult@zealvert.com.

• More than 7 calendar days before the work is due to start: full refund of any advance paid, less any out-of-pocket expenses already incurred for you.
• In the last 7 calendar days before the work is due to start: we retain a cancellation fee equal to the lesser of (a) 25% of the advance paid, or (b) the fees for the time reserved for you that we can show we could not reallocate — plus any out-of-pocket expenses already incurred. The balance of your advance is refunded, and we give you a written calculation of the amount retained.

3.2 Cancelling after the work has started

Fees for work completed are payable in full and are not refundable. Any pre-paid amount in excess of the fees for work completed is refunded.

4. send2ca subscriptions

4.1 Free trials

A new account begins on a free trial, whose entry allowance and length are stated in the application at signup. A trial never converts into a paid subscription automatically. We ask you explicitly before any charge is made, and we do not use pre-ticked boxes. Stop a trial at any time and you owe nothing.

A trial that is not upgraded is deleted, and so is everything in it. At the end of the trial period the account and every record inside it are permanently erased by an automated process. We warn you beforehand. This is not a refund matter — nothing has been charged — but it is the point at which data is lost, so please export your records before the trial ends. See Section 9A.

4.2 The 7-day refund window

Within 7 calendar days of your first paid charge on a new subscription, cancel and receive a full refund of that charge. Write to consult@zealvert.com or cancel from within the application. No reason is required and no cancellation charge applies.

This 7-day window matches the refund period operated by our payment provider, Razorpay, so that a request made within it can be processed as a straightforward reversal.

4.3 Renewals

Subscriptions renew automatically for successive terms of the same length — monthly or three-monthly, as chosen at purchase — unless you cancel.

• We give you a renewal reminder at least 7 days before each renewal charge, stating the amount and the date, sent to the email address on your account or shown inside the application.
• If a renewal is charged and you did not intend to continue, tell us within 7 calendar days of that charge and we will cancel the renewed term and refund it in full.
• Where you pay by e-mandate (an automatic payment set up on a card, bank account or UPI), your bank or card issuer sends you a pre-debit notification at least 24 hours before each debit, stating our name, the amount, the date and the mandate reference, as the Reserve Bank of India requires. Recurring debits up to ₹15,000 go through without extra authentication; above that you will be asked to authenticate each debit. You may modify or withdraw the e-mandate at any time through your bank, without reference to us — but withdrawing it stops the payment, not the subscription, so please also tell us you are cancelling.

4.4 Cancelling at any other time

You may cancel at any time, from inside the application or by writing to consult@zealvert.com. Cancelling is no harder than subscribing — no phone call, no retention conversation, no reason required.

After the 7 days, cancelling stops your next renewal. You are not refunded for the rest of the term you have already paid for — your subscription simply runs to the end of it.

There are three exceptions, where we do refund the unused part of your paid term in proportion to the time left:

1. we withdraw a material feature you are paying for (Section 4.5);
2. we cancel your subscription other than for your breach (Section 4.6); or
3. you reject a material change to our Terms and Conditions (Section 14 of those Terms).

4.5 If we change the price or remove a feature

• If we increase the price: the new price applies from your next renewal only, never mid-term, and we tell you at least 30 days beforehand. Cancel before then and you pay nothing more. There is nothing to refund, because you keep what you already paid for.
• If we withdraw a material feature mid-term: we tell you at least 30 days beforehand, and you may cancel immediately and receive a refund of the unused part of your paid term, in proportion to the time left.

4.6 If we cancel, or the service stops

If we terminate your subscription for any reason other than your breach of our Terms, or if we permanently discontinue the service, we refund the unused portion of your paid term in proportion to the time left. Where we discontinue the service entirely we will give reasonable notice, so that you can export your records first.

4.7 No cancellation charge

We do not levy a cancellation or early-termination charge on a subscription you have confirmed, in line with Rule 4 of the Consumer Protection (E-Commerce) Rules, 2020.

4A. Exohil access periods

Exohil is not sold with a change-of-mind refund, and we say so before you buy rather than afterwards. What you get instead is this: the whole measuring half of Exohil is free, so you can find out whether it suits you without paying anything, and if the product does not do what we said it does, we fix it or we refund you. Sections 4A.1 to 4A.4 set out exactly how that works.

4A.1 Free before you pay, and that is the point. Creating an account, recording your profile and objective, uploading a resume, sitting every skill assessment and seeing your full list of skill gaps cost nothing and require no card. Nobody has to buy Exohil in order to find out what it will tell them. That is why the paid period is not sold with an unconditional refund: the trial is the free half of the product, not a week of the paid one.

4A.2 The 7-day window, and what it covers. You have 7 calendar days from the charge to report a problem. A refund is due where Exohil did not do what we said it does. That includes, and is not limited to:

• a paid feature failed, or was unavailable for a material period;
• a paid feature returned a result that is plainly wrong, or that contradicts your own recorded data;
• you were charged twice, charged the wrong amount, or charged without authorisation;
• access did not open after a successful payment;
• the product turned out to be materially different from what this website described.

You do not have to prove the fault, only describe it. Write to consult@zealvert.com from the email address on your account and tell us what you did, what you expected, and what happened instead. Every report gets a ticket number and a reply within 3 working days. We will either put the problem right or refund you in full, and if our fix does not work, you get the refund. We do not require you to accept a fix you are not satisfied with.

4A.3 What is not a ground for a refund. Changing your mind, buying by mistake, not finding the time to use it, or deciding your preparation will take longer than you hoped. We state this plainly rather than burying it, and for a reason you are entitled to weigh before paying: every AI-assisted action costs us money the moment it runs, and that cost is not returned to us by a refund. Read together with Section 4A.1, this is the trade we are offering, and you can test the whole measuring side of the product for free before accepting it.

4A.4 Your legal rights are not affected by any of the above. Nothing in this Policy removes or limits the rights you have under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020. Where a service is defective, deficient, or not as advertised, you are entitled to a refund whatever this Policy says, and we will give it. Section 4A.2 is how we intend to honour that, not a way around it. Section 10 sets out how to escalate if you think we have got it wrong.

4A.5 What happens when we refund you. The access period ends when the refund is issued, and the paid features close. Nothing you created is deleted. Your profile, resumes, assessment results, preparation plan, practice history, saved job descriptions and applications all remain in your account, and you may still sign in and read them.

4A.6 There is nothing to cancel. An Exohil access period is a single payment for a fixed number of days. It does not renew, and no automatic debit, e-mandate or standing instruction is ever set up. When the days run out, the paid features simply close and nothing further is charged. You do not need to tell us, and there is no cancellation charge, because there is no subscription to cancel.

4A.7 If we change the price. A change of price never affects an access period you have already paid for. There is no renewal, so there is no renewal to be surprised by.

4A.8 If we withdraw the product. If we stop offering Exohil, or remove a paid feature you bought, while your access period is running, we will refund you in proportion to the days you have left, without you having to ask.

4A.9 Buying again. If you buy a further access period while one is still running, the new days are added to the end of what you already hold, and the 7-day reporting window applies to the new charge from its own date.

4A.10 Deleting your account. Deleting your Exohil account is immediate and permanent, and it is not a request for a refund. If you want both, report the problem first and wait for it to be resolved, because we cannot process a refund for an account that no longer exists. Note down anything you want to keep before you delete, because nothing can be recovered afterwards.

5. Microsoft Store applications

Purchases of Zealvert Payslips Processor upgrades are made through the Microsoft Store and handled entirely by Microsoft, under Microsoft's own refund policy. Because Microsoft collects the payment, we cannot issue a monetary refund for it. Request refunds through your Microsoft account.

This does not affect your rights against us under the Consumer Protection Act, 2019 in respect of a defect in the software itself. If Microsoft declines a refund and you believe the software was defective or the service deficient, write to consult@zealvert.com. We will investigate and, where the complaint is made out, provide a remedy — which may include a replacement licence, a licence extension, or a direct payment.

6. Cancellation by us

We may cancel an engagement or suspend a subscription for non-payment, breach of our Terms, unlawful use, or circumstances beyond our reasonable control (force majeure — events nobody can control, such as natural disasters or government acts).

Except in an emergency or where the law requires immediate action, we give you notice and, where the problem can be fixed, a reasonable opportunity to fix it first.

Where we cancel for reasons other than your default, we refund amounts paid for work not yet started, or the unused portion of a paid subscription term.

7. How refunds are processed

We decide every refund request within 5 business days of receiving it and tell you the outcome in writing.

We initiate every approved refund within 7 business days of receiving your request.

All refunds are made to the original payment instrument, as required by the Reserve Bank of India's Payment Aggregator Directions, 2025. We cannot refund to a different card, a different account, or as store credit.

Once we have initiated it, the money reaches you through your bank or card issuer, not through us:

• Payment gateway reversal: typically 5–10 business days.
• Bank transfer (NEFT/RTGS — a direct bank transfer): typically 3–7 business days.

We give you the reference number so you can trace it.

GST. Where you paid GST on the original invoice, your refund includes that GST. We issue a credit note under Section 34 of the CGST Act, 2017 and recover the tax ourselves; we do not deduct it from what we return to you. If you are a GST-registered business that has already claimed input tax credit on the original invoice, you must reverse that credit against the credit note we issue.

8. Non-refundable items

• Fees for third-party tools or software we bought specifically for your project.
• Out-of-pocket travel, accommodation or logistics expenses already incurred.
• Fees for workshops, training sessions or seminars already delivered.
• Retainer fees for periods already elapsed.
• Fees for professional services already performed.
• Subscription terms already elapsed.

9. Your data when you cancel

Cancelling does not mean losing your records — provided you export them.

• Your data is kept for 30 days after a subscription ends, and you can sign in and export it throughout that window.
• You keep the ability to sign in and export while an account is suspended for non-payment.
• After the 30 days we erase your data permanently.
• You may also delete your account and everything in it yourself, immediately, from the Danger Zone screen inside the application.
• We confirm erasure in writing on request.

9A. Export before you cancel — we cannot do it for you

This is the most important paragraph on this page for a send2ca customer. Your records are encrypted on your own device with a passphrase we never receive. We cannot read them, and we therefore cannot send you a copy of your own data — not on request, not as a courtesy, and not as a last resort. Exporting is something only you can do, from the Export screen inside the application, as PDF, CSV or JSON, while you still have your passphrase or recovery key.

So, before you cancel, before a trial ends, and ideally at the close of every month: export, and keep the file with your own business records. Section 5 of our Terms and Conditions explains the encryption and why it works this way.

Full detail on retention and erasure is in Section 14 of our Privacy Policy.

10. Disputes and grievances

If you believe a refund has been incorrectly denied or processed, write to consult@zealvert.com with the subject line "Refund Dispute – [Your Name / Invoice Number]".

Grievance Officer
Name: Nasir Islam
Designation: Founder & Head — Grievance Officer
Email: consult@zealvert.com
Phone: +91 522 3678875 (landline) / +91 6393680341 (mobile)
Address: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India

Nodal Person of Contact (required by Rule 4(1)(b), Consumer Protection (E-Commerce) Rules, 2020 — a separate role from the Grievance Officer)
Name: Nasir Islam | Designation: Founder & Head — Nodal Person of Contact | Resident in India at: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Email: consult@zealvert.com | Phone: +91 6393680341

What we commit to. We will:

• acknowledge every complaint within 24 hours, and give you a ticket number so you can track it;
• give a substantive response within 7 business days; and
• fully resolve every complaint within 30 days.

If you remain dissatisfied, you may approach a Consumer Commission under the Consumer Protection Act, 2019 — including the Commission where you ordinarily reside or work. Nothing in this Policy, or in our Terms and Conditions, removes that right.

11. Governing law and amendments

This Policy is governed by the laws of India.

We may update it. Where a change reduces your refund rights, we give at least 30 days' notice, and the change does not apply to a subscription term or engagement you have already paid for. Revised versions are posted on this page with an updated effective date.

Legal and contact details

(Displayed as required by Rule 4(2), Consumer Protection (E-Commerce) Rules, 2020)

Legal name: Zealvert Consulting
Constitution and registration number: Registered firm, GST-registered in India — UDYAM-UP-50-0094047
GSTIN: 09AATPI1884P2ZO
Principal geographic address of headquarters: 37 Mewa Nursery, Nishatganj, Lucknow 226007, Uttar Pradesh, India
Branch addresses: We operate from the above address only and have no branches.
Websites: https://zealvert.com | https://zealvert.com/send2ca
Customer care — email: consult@zealvert.com | landline: +91 522 3678875 | mobile: +91 6393680341 | fax: not applicable