Cancellation & Refund Policy

Zealvert® Consulting | Version 3.9 | Effective Date: 31 October 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 3.9 (31 October 2026) changes the paragraph on the free trial for Kranzar in name only: the Deals radar is now called Deal velocity. Nothing else changes.

Version 3.8 (26 October 2026) changes Sections 1, 2, 4B.1, 4B.2, 4B.2A, 6 and 8 for Kranzar. Every plan - Pro, Business and Enterprise - is now bought at once and starts the day it is paid for, and the business admin may ask for a full refund of the first payment of any plan within 14 days of paying it, no questions asked, once for each business. The free trial is a separate account of 14 days, with its own limits, and is no longer a trial of Pro. Nothing else changes.

Version 3.7 (22 October 2026) changes Section 4B.3 for Kranzar: an upgrade to a higher plan now takes effect at once, and the difference for the days left of the current period is charged then; any other change of plan or billing period still takes effect from the next renewal. Nothing else changes.

Version 3.6 (22 October 2026) changes Sections 1, 2, 4B, 6 and 8 for Kranzar. Kranzar is now offered in three plans, Pro, Business and Enterprise. Only Pro has a free trial (14 days), and Pro payments remain not refundable. Business and Enterprise have no free trial: they are bought at once and start the day they are paid for, and the business admin may ask for a full refund of the first payment of either plan within 14 days of paying it, once for each business (new Section 4B.2A). Nothing else changes.

Version 3.5 (20 October 2026) changes Section 4B for Kranzar: the free trial is 14 days for a business started from 17 October 2026 (a business already on a trial keeps its end date), and the two plans are now called Pro and Business (until 19 October 2026, Standard and Pro). Kranzar payments remain not refundable. Nothing else changes.

Version 3.4 (21 September 2026) removes the refund terms for a product we no longer offer, including its former Section 4A. Nothing about ZealCA, Kranzar or Zealvert Payslips Processor is changed.

Version 3.3 (20 September 2026) replaces Version 3.2. It changes Section 4 for ZealCA. Payments for ZealCA are not refundable, except where a refund is required by applicable law, because a free trial lets you evaluate ZealCA before you pay. Sections 2, 4.2 to 4.6 and 8 say so. Cancelling stops the next automatic renewal, and access continues to the end of the period already paid. This applies to every ZealCA subscription started on or after 20 September 2026. For a subscription started before that date, the 7-day refund window and the refunds in proportion to time left that Version 3.2 gave continue until 20 October 2026, which is the 30 days of notice our Terms and Conditions promise. No existing section number has moved and nothing about Kranzar or Zealvert Payslips Processor is changed. Version 3.2 (17 September 2026) replaced Version 3.1. It applies this Policy to Kranzar, our sales CRM web application for small businesses, in a new Section 4B and a new Section 9B. Payments for Kranzar are not refundable, except where a refund is required by applicable law, because a free trial lets you evaluate Kranzar before you pay. Cancelling stops the next automatic renewal, and access continues to the end of the period already paid. Section 9B explains that a Kranzar business which is not renewed becomes read-only and that its data is permanently deleted after a retention period, so please download what you want to keep. No existing section number has moved and nothing about ZealCA or Zealvert Payslips Processor is changed. No existing section number has moved and nothing about ZealCA or Zealvert Payslips Processor is changed. Version 3.0 (29 August 2026) applied this Policy to ZealCA, 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. Our software is supplied electronically and is not exchangeable. A Kranzar or ZealCA subscription can be changed between plans inside the application at any time, which is not an exchange and costs nothing to do.
• 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.

• ZealCA subscriptions: the 7-day refund period does not apply. Payments for ZealCA are not refundable, except where a refund is required by applicable law, because a free trial lets you evaluate ZealCA before you pay. See Section 4.
• Kranzar subscriptions: the 7-day refund period does not apply. The first payment for any plan is refunded in full if the business admin asks within 14 days, no questions asked (Section 4B.2A); other payments are not refundable, except where a refund is required by applicable law. See Section 4B.
• 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. ZealCA 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, as 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 No refunds

Payments for ZealCA are not refundable, in full or in part, including for any unused part of a monthly, quarterly or annual period, except where a refund is required by applicable law. The free trial in Section 4.1 exists so that you can evaluate ZealCA before you pay.

This applies to the first charge and to every renewal charge, and it applies equally where:

• you cancel the automatic renewal during a paid period (Section 4.4);
• a renewal is charged that you did not intend to continue; please cancel before the renewal date, for which we send the reminder described in Section 4.3;
• we change the price or withdraw a feature (Section 4.5);
• we end a subscription or discontinue ZealCA (Section 4.6); or
• you do not accept a change to our Terms and Conditions.

A charge taken twice for the same period by mistake is not a refund matter: it is an error, and we return it. Your rights under the Consumer Protection Act, 2019 are unaffected.

4.3 Renewals

Subscriptions renew automatically for successive terms of the same length, monthly, quarterly or annual 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 that you did not intend to continue, no refund is given (Section 4.2). Please cancel before the renewal date. The reminder above exists so that you can.
• 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. Withdrawing it stops the payment but 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.

Cancelling stops your next automatic renewal. No refund is given for the period already paid (Section 4.2); your subscription keeps full access until the end of that period, and what happens to your records after that is set out in Sections 9 and 9A.

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 the automatic renewal before then and you pay nothing more. You keep the period you have already paid for.
• If we withdraw a material feature mid-term: we tell you at least 30 days beforehand, and you may cancel the automatic renewal. No refund is given for the period already paid (Section 4.2).

4.6 If we cancel, or the service stops

We may end a subscription for misuse, for unpaid dues or where the law requires, and we may permanently discontinue ZealCA. Where we discontinue the service entirely we will give reasonable notice, so that you can export your records first. No refund is given in any of these cases (Section 4.2).

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.

4B. Kranzar subscriptions

Kranzar is sold as a subscription that renews automatically until you cancel it, in three plans: Pro, Business and Enterprise. You can try Kranzar free first on the free trial, without giving any payment details. Every plan is bought at once, with a full refund of the first payment if you ask within 14 days, no questions asked (Section 4B.2A); other payments are not refundable, except where a refund is required by applicable law. Payments for Kranzar are processed by Razorpay through zealvert.com.

4B.1 Free trials

A new Kranzar business may begin on a free trial of 14 days, with its own limits, which include limited use of Kranzar AI and no Deal velocity. The length may change, and the length that applies to you is the one shown at sign-up. A trial has limits on the number of records, products and team members and on storage, which are shown in the application. No payment details are needed for the trial, and a trial does not turn into a paid subscription unless the business admin subscribes. Every plan is bought at once: if the business admin buys a plan, during the trial or after it, the first charge is taken at once, the paid period starts that day and the trial ends. A business set up from a Buy button on kranzar.com is on the free trial until that payment is made. Stop using it at any time and you owe nothing.

A trial that is not converted to a paid plan becomes read-only, and its data is later deleted. We send you reminder emails before the trial ends. When it ends, the business becomes read-only. If you do not subscribe, all data of the business is permanently deleted after the retention period set out in Section 9B, with a final warning email before deletion. This is the point at which data can be lost, so please download what you want to keep. See Section 9B.

4B.2 No refunds, except the guarantee in Section 4B.2A

Payments for Kranzar are not refundable, in full or in part, including for any unused part of a monthly or yearly period, except the first payment for a plan under Section 4B.2A, and except where a refund is required by applicable law. The free trial in Section 4B.1 exists so that you can evaluate Kranzar before you pay.

This applies to the first charge and to every renewal charge, and it applies equally where:

• you cancel the automatic renewal during a paid period (Section 4B.4);
• a renewal is charged that you did not intend to continue; please cancel before the renewal date, for which we send the reminders described in Section 4B.3;
• we change the price or withdraw a feature (Section 4B.5);
• we lock a business, end a subscription or discontinue Kranzar (Section 4B.6); or
• you do not accept a change to our Terms and Conditions.

4B.2A The 14-day refund guarantee, no questions asked

The business admin may ask for a full refund of the first payment for Pro, Business or Enterprise, extra users included, within 14 days of that payment, inside the application from Settings, Subscription, Ask for a refund. No questions are asked: no reason is needed, and none is judged. We confirm it and refund it as set out in Section 7.

• It is given once for each business, for the first payment of a plan only, whichever plan it is, and whether or not the business later moves to another plan.
• It does not apply to any renewal, or to a payment made outside the application.
• We refund the whole amount, GST included, to the original payment method (Section 7).
• When the refund is made, the automatic renewal is cancelled and the business becomes read-only at once. Its data is kept and then deleted as set out in Section 9B, so please download what you want to keep.
• The 14 days may change; the length that applies to you is the one shown in the application when you pay.

4B.3 Plans and renewals

Kranzar is offered in three plans, Pro, Business and Enterprise, each billed monthly or yearly. Prices are shown in Indian Rupees and include GST. A subscription renews automatically for successive terms of the same length, through a card or UPI mandate set up with Razorpay, until you cancel it. Payments are processed by Razorpay through zealvert.com. Razorpay issues the invoice for each payment, which shows the product name Kranzar.com. The business admin may change the plan or the billing period inside the application, from Settings, Subscription. An upgrade to a higher plan takes effect at once: the difference between the two plans for the days left of the current period is charged then, and the higher price applies from the next renewal. Any other change takes effect from the next renewal, at the price then current. The invoice for each payment can be opened from the confirmation email we send and, at any time, from Settings, Subscription, Payment history. Extra users. Each plan includes a number of users; the business admin may add extra users, up to the ceiling shown in the application, at the price per extra user shown there, from Settings, Subscription. Extra users are available at once. The price for the days left in the current period is charged with your next invoice or, where your payment method cannot change its amount (for example a UPI mandate), paid on the payment page when you approve the new mandate; from the next renewal the renewal amount includes the extra users. A reduction in extra users takes effect from the next renewal. Amounts paid for extra users are not refundable (Section 4B.2), except as part of a first payment refunded under Section 4B.2A.

• We send a renewal reminder by email 7 days before, and again 1 day before, each renewal date, to the email address of the business admin.
• Separately from our reminders, your bank or card issuer sends you a pre-debit notification at least 24 hours before each debit, stating the merchant 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 mandate at any time through your bank or UPI application, without reference to us. Withdrawing it stops the payment but not the subscription, so please also cancel the automatic renewal as described in Section 4B.4.

4B.4 Cancelling

The business admin may cancel the automatic renewal at any time, inside the application from Settings, Subscription, or by writing to consult@zealvert.com. Cancelling is no harder than subscribing: no phone call, no retention conversation, no reason required.

Cancelling stops the next automatic renewal. No refund is given for the period already paid (Section 4B.2), except under Section 4B.2A; your business keeps full access until the end of that period, and then becomes read-only as described in Section 9B.

4B.5 If we change the price or remove a feature

• If we increase the price: the new price applies from your next renewal after notice only, never mid-term, and we tell you at least 30 days beforehand. Cancel the automatic renewal before then and you pay nothing more. You keep the period you have already paid for.
• If we withdraw a material feature mid-term: we tell you at least 30 days beforehand, and you may cancel the automatic renewal. No refund is given for the period already paid (Section 4B.2).

4B.6 If we cancel, lock a business, or the service stops

We may lock a business, which makes it read-only, for misuse or for unpaid dues. We may also end a subscription, or permanently discontinue Kranzar. Where we discontinue the service entirely we will give reasonable notice, so that you can download your data first. No refund is given in any of these cases (Section 4B.2).

4B.7 No cancellation charge

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

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, meaning 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. This does not apply to Kranzar, whose payments are not refundable except the first payment of a plan under Section 4B.2A (Section 4B.2).

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.
• Payments for ZealCA subscriptions, in full or in part, including any unused part of a period, except where a refund is required by applicable law (Section 4.2).
• Payments for Kranzar subscriptions, in full or in part, including any unused part of a period, except the first payment of a plan under Section 4B.2A and except where a refund is required by applicable law (Section 4B.2).

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.

For Kranzar, Section 9B applies instead of this list.

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

This is the most important paragraph on this page for a ZealCA customer. There is no arrangement under which we send you a copy of your own data: not on request, not as a courtesy, and not as a last resort. Exporting is something you do yourself, from the Export screen inside the application, as PDF, CSV or JSON. You can do it at any time, including during the 30 days after a subscription ends.

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 9 of our Terms and Conditions explains what happens to your records when a subscription ends.

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

9B. Kranzar: your data when a trial or subscription ends

This is the most important paragraph on this page for a Kranzar customer. When a trial ends, or a subscription expires or is not renewed, the business becomes read-only. If it is not renewed, all data of the business, including sales records, products, documents, team and logs, is permanently deleted after a retention period, currently 6 months. We send a final warning email before deletion. Deletion cannot be undone.

• Reminders. We send reminder emails before a trial ends, and 7 days before and again 1 day before each renewal date.
• Download at any time. The business admin can download sales records and products as CSV files at any time, from Settings, Business, and uploaded documents can be downloaded one by one. Both keep working while a business is read-only or locked. Please keep a copy with your own business records.
• Closing a business. The business admin can close the business. It becomes read-only at once, and its data is deleted after the retention period.
• Immediate deletion on request. Once a business is expired, closed or locked, the business admin may ask consult@zealvert.com to delete all of its data immediately. After that nothing can be recovered.
• Backups. The database can be restored to an earlier point within a limited period (currently up to 30 days). Uploaded documents are not backed up, so a document that has been deleted cannot be recovered.

Full detail on retention and erasure is in Sections 7 and 14A 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://zealca.in | https://kranzar.com
Customer care: email: consult@zealvert.com | landline: +91 522 3678875 | mobile: +91 6393680341 | fax: not applicable