Refund policy

Preamble: Definitions and Scope

Throughout this document, the terms “Fullstacko,” “we,” “us,” and “our” refer to Fullstacko Info Solutions LLP and the services it provides under the Fullstacko brand.

Scope

This refund policy applies to purchases and subscriptions for Fullstacko’s service-as-software products and directly sold digital services. It does not apply to purchases made through third-party marketplaces, reseller agreements, or to services provided by third parties.

Key principles when we use Razorpay

• Payment processing for purchases on our site is handled using Razorpay. When we issue a refund, we initiate it through Razorpay; Razorpay and the banks/issuers determine when the refunded amount is credited back to the customer’s account.
• Processing times, fund routing, and any bank-level holds are outside our control and depend on the customer’s payment instrument, bank, and applicable clearing networks.

Refund eligibility (service-as-software-focused)

• Initial purchase: If you cancel an initial (first-time) purchase or subscription within 14 calendar days of purchase, you may request a refund. Eligibility will be determined on a case-by-case basis.
• Renewals: Recurring subscription renewals are generally non-refundable. You may cancel a subscription to prevent future renewals; the subscription will remain active until the end of the paid billing period.
• Trial and promotional offers: Free trials and promotional credits are not refundable because no payment was collected. If a paid charge was made in error during a trial, contact support and we will investigate.
• Non-refundable items: Any fees charged by payment processors, banks or card networks (including fees charged by Razorpay) are generally non-refundable and may be deducted from the refunded amount where we are unable to recover them.
• Custom work: Fully custom or bespoke services that have been started or delivered are not eligible for refunds unless otherwise agreed in writing.

How we handle refunds

1. Request: To request a refund, email support@fullstacko.com with:

   • Full name and contact email
   • Order number or Razorpay payment ID/transaction ID
   • Product or service name
   • Date of purchase and reason for the request

2. Review: We will review the request and may request additional information. We aim to respond within 5 business days.

3. Approval & initiation: If approved, we will initiate the refund through Razorpay. We will notify you by email when the refund is initiated.

4. Timing: Once we initiate a refund via Razorpay, the time for the funds to appear in your account depends on the payment method and the customer’s bank/issuer. Typical timeframes are 5–14 business days; some cards or banks may take longer.

5. Refund method: Refunds are issued to the original payment method. If that method is unavailable, we will work with you to provide an alternative (for example, account credit), subject to verification.

6. Fees: Razorpay and card network fees are generally non-recoverable. If we are able to recover processing fees from Razorpay, we will include those in the refund; otherwise, those fees may be deducted from the refunded amount. Any such deduction will be disclosed in our refund confirmation email.

Chargebacks and disputed transactions

• If a customer disputes a charge with their bank (a chargeback), Razorpay and the issuing bank will handle the dispute process. We will cooperate with Razorpay and the bank and provide necessary evidence to contest invalid disputes.
• If a chargeback is resolved in our favor, we may reinstate service or, if appropriate, re-bill the customer.

Service access after refund

• When a refund is processed for an active subscription or service, we may immediately suspend or terminate access to the service or license.

Exceptional circumstances

• Technical failure: If a service is materially unusable and we are unable to resolve the issue within a reasonable timeframe, we will consider refunds on a case-by-case basis.
• Fraud or error: If a payment was charged in error or resulted from unauthorized activity, we will investigate and refund where appropriate.

Third-party purchases

Purchases made through third-party platforms or resellers are subject to that platform’s refund policy. Contact the third-party provider for those refunds.

Changes to this policy

We may update this policy from time to time. Significant changes will be posted on this page. Continued use of our services after changes indicates acceptance of the updated policy.