GirviDesk Refund Policy

Last Updated: 17th August, 2026

This Refund Policy explains the terms and conditions applicable to refunds, credits, service extensions, or other remedies for payments made for GirviDesk Services.

GirviDesk (“GirviDesk”, “we”, “our”, or “us”) is a cloud-based Software as a Service (SaaS) platform designed to help businesses manage gold loan-related operations, including customer records, collateral records, loan management, payments, documents, reports, and related business activities.

GirviDesk provides software tools only and does not provide lending services, financial services, valuation services, banking services, legal advice, or gold loan services.

By purchasing, accessing, or using GirviDesk Services, you acknowledge that you have read, understood, and agreed to this Refund Policy.

If you do not agree with this Refund Policy, you should not purchase or use GirviDesk Services.

1. Subscription Payments

GirviDesk may provide access to its Services through:

  • monthly subscription plans;
  • multi-month subscription plans;
  • promotional plans;
  • other subscription arrangements communicated by GirviDesk.

Payments may be processed through payment methods provided by GirviDesk, including third-party payment providers.

Subscription charges may depend on:

  • selected plan;
  • subscription duration;
  • billing cycle;
  • pricing displayed at the time of purchase;
  • applicable taxes and charges.

Before completing payment, Customers are responsible for reviewing:

  • selected plan;
  • available features;
  • pricing;
  • limitations;
  • suitability of the Service for their business requirements.

Once payment is successfully completed and access is provided, the Customer receives a digital software service delivered electronically. No physical goods are provided as part of GirviDesk Services.

2. General Refund Policy

Due to the nature of digital software services, payments made to GirviDesk are generally non-refundable after purchase.

However, GirviDesk provides a limited refund window for certain subscription plans. Refund requests are available only for:

  • 1 month subscription plans;
  • 3 month subscription plans.

A refund request must be submitted within 7 calendar days from the successful payment date. Requests submitted after this period will generally not be eligible for a refund.

The 7-day period provides an opportunity to evaluate the Service and does not guarantee approval of a refund. Refund eligibility depends on:

  • subscription plan;
  • date of request;
  • account activity;
  • Service usage;
  • payment verification;
  • reason for request;
  • compliance with this Refund Policy.

Unused subscription time, reduced usage, or failure to use available features does not automatically qualify for a refund. GirviDesk does not provide automatic prorated refunds for unused subscription periods.

3. Eligible Refund Conditions

A refund request may be approved only under the following conditions:

A. Eligible Subscription Plans

Refund requests are available only for:

  • 1 month subscription plans;
  • 3 month subscription plans.

Refunds are generally not available for:

  • annual plans;
  • longer-duration plans;
  • custom pricing arrangements;
  • enterprise plans;
  • promotional plans;
  • discounted plans unless specifically mentioned.

B. Refund Request Within 7 Days

The Customer must submit the refund request within 7 calendar days from the successful payment date. Requests received after this period may be rejected.

C. Account Activity Review

Before approving a refund, GirviDesk may review:

  • whether the account was accessed;
  • features used;
  • data uploaded;
  • documents generated;
  • usage activity;
  • technical issues reported.

Accessing or using the Service during the refund period does not automatically prevent a refund, but usage may be considered while reviewing the request.

D. Duplicate Payments

If the same payment is processed more than once due to a technical or payment processing error, GirviDesk may refund the duplicate payment after verification.

E. Payment Received but Service Not Provided

If payment is successfully received but GirviDesk fails to provide access to the purchased Service due to an issue caused by GirviDesk, the Customer may request:

  • correction of the issue;
  • extension of the subscription period;
  • account credit;
  • refund where appropriate.

F. Significant Service Failure

If a significant technical failure prevents the Customer from accessing paid Services and the issue cannot reasonably be resolved, GirviDesk may provide an appropriate remedy. Possible remedies include:

  • subscription extension;
  • account credit;
  • partial refund;
  • full refund in exceptional circumstances.

4. Non-Refundable Situations

Refunds will generally not be provided for:

  • requests submitted after 7 calendar days;
  • annual or longer-duration plans;
  • custom pricing arrangements;
  • change of mind after purchase;
  • lack of usage of the Service;
  • failure to use available features;
  • misunderstanding of product functionality;
  • failure to review pricing, features, or limitations;
  • failure to achieve expected business results;
  • partial or complete use of the Service after activation;
  • incorrect information entered by the Customer;
  • customer device problems;
  • internet connectivity problems;
  • browser or operating system issues;
  • third-party service interruptions;
  • account suspension due to Terms of Service violations;
  • fraudulent, abusive, or unlawful activity;
  • misuse of the platform.

5. Subscription Cancellation

Where subscription renewal functionality is available, Customers may cancel future renewals through methods provided by GirviDesk.

Cancellation:

  • prevents future charges where applicable;
  • does not refund previous payments;
  • does not remove access during an active paid period.

Customers are responsible for cancelling renewal before the next billing period if they do not wish to continue using the Service.

6. Subscription Changes

GirviDesk may provide options to:

  • upgrade plans;
  • downgrade plans;
  • change subscription periods;
  • modify available features.

Where a downgrade is processed, GirviDesk generally converts any unused value remaining on the current plan into additional subscription days on the new, lower-cost plan, applied immediately and without a cash refund; this Refund Policy’s refund windows and conditions apply to the original payment, not to plan switches handled this way.

Changes may affect pricing, features, usage limits, and available functionality.

GirviDesk may modify plans, pricing, or features due to technical improvements, operational requirements, legal requirements, or business requirements.

7. Free Trials and Promotional Offers

GirviDesk may provide free trials, promotional access, discounts, or special offers.

Such offers may have separate terms. Unless specifically stated:

  • free trials have no monetary value;
  • promotional access does not create refund rights;
  • promotional discounts cannot be exchanged for cash;
  • promotional plans may have different refund conditions.

8. Account Suspension Due to Non-Payment

If payment is not received or a subscription expires:

  • access to paid features may be suspended;
  • account functionality may be restricted;
  • Customer Content will be handled according to the Privacy Policy.

Suspension due to non-payment does not create entitlement to a refund. Customers may restore access by purchasing an eligible subscription plan.

9. Maintenance and Temporary Downtime

GirviDesk may perform maintenance, updates, security improvements, or infrastructure changes.

Temporary interruptions caused by maintenance or normal service operations do not automatically qualify for refunds.

10. Refund Request Process

Refund requests must include:

  • registered mobile number;
  • account details;
  • payment transaction details;
  • payment date;
  • reason for refund request;
  • supporting information.

Requests may be submitted through:

Email: support@girvidesk.com
WhatsApp: +91 7800056700

GirviDesk may request additional information to verify identity, account ownership, payment details, and refund eligibility.

11. Refund Processing

If a refund is approved:

  • refunds will generally be processed through the original payment method;
  • processing time depends on payment providers, banks, and financial institutions;
  • GirviDesk is not responsible for delays caused by third-party payment providers.

Approved refunds may be issued as a refund to the original payment method, account credit, or service extension. The appropriate remedy will depend on the circumstances.

12. Payment Gateway and Transaction Charges

Where applicable, non-recoverable charges charged by payment gateways, banks, or financial service providers may be deducted from approved refunds.

13. Taxes and Invoices

Payments made to GirviDesk may generate invoices or payment records.

Where refunds are issued:

  • accounting adjustments may be made;
  • tax treatment will follow applicable laws;
  • refund amounts may be adjusted for applicable taxes where required.

14. Data After Refund, Cancellation, or Termination

Approval of a refund does not automatically delete an account or Customer Content.

Data handling after refund, cancellation, suspension, or deletion is governed by the GirviDesk Privacy Policy.

Customers should export important information before requesting account deletion.

15. Payment Disputes and Chargebacks

Customers are encouraged to contact GirviDesk before initiating payment disputes or chargebacks.

If a payment dispute is initiated, GirviDesk may investigate the matter, provide relevant information to payment providers, and temporarily restrict account access where necessary.

GirviDesk will cooperate with payment providers during payment investigations.

16. Changes to This Refund Policy

GirviDesk may update this Refund Policy due to changes in Services, pricing changes, payment methods, operational requirements, or legal requirements.

Updated versions become effective when published on the GirviDesk website or within the Services.

Continued use of GirviDesk after updates means acceptance of the revised Refund Policy.

17. Contact Information

For refund-related questions:

GirviDesk
Operated by Rahul Jain (Sole Proprietor)
Lucknow, Uttar Pradesh, India
Email: support@girvidesk.com
WhatsApp: +91 7800056700

Final Statement

By purchasing or using GirviDesk Services, you acknowledge that:

  • GirviDesk provides digital software services;
  • access to Services is delivered electronically;
  • refunds are available only for eligible 1 month and 3 month subscription plans;
  • refund requests must be submitted within 7 calendar days from payment;
  • refunds are subject to verification and this Refund Policy;
  • Customers are responsible for reviewing plans, pricing, features, limitations, and requirements before purchase.

End of Refund Policy