This policy explains refunds for VIKAM's paid plans. Our core features are free forever.
1. Free plan
VIKAM's core money-management features — expense tracking, your Paisa Score, and basic rewards — are free. No payment, no refund needed.
2. Paid subscriptions
If you subscribe to a premium plan or a savings circle tier, you may request a refund within 7 days of the charge if you have not materially used the paid features in that period. Partial-period usage may be deducted on a pro-rata basis.
3. Savings circle contributions
Money you contribute to a savings circle is your own savings held in escrow — it is not a fee and is returned to you per the circle's schedule. Subscription fees for premium circle features follow the refund window above.
4. Rewards & bonuses
Promotional rewards, bonuses, and scratch-card winnings are not purchases and are non-refundable. Withdrawable reward balances can be transferred to your bank as described in the app.
5. How to request a refund
Email support@vikam.io from your registered details with the transaction reference. Approved refunds are processed to the original payment method within 5–7 business days.
6. Contact
For any billing question, reach us via Contact.