Refund Policy

This Refund Policy explains how Keyo Payments Private Limited handles billing reviews, refund requests, subscription cancellations, and one-time purchase disputes. It applies to paid Keyo products unless a separate written agreement states otherwise.

Payments are non-refundable once the subscription period, plan upgrade, or credits you paid for have been added to your account. This applies to subscription charges, the prorated amount charged when you upgrade a plan, and purchases of usage credits.

The only exceptions are where a refund is required by law, or where a verified billing error or a failure on our side means you were charged for something you did not receive. Those cases are listed below.

Cancelling a subscription stops future renewals. It does not reverse the charge for the period you are already in — instead, your access continues until that paid period ends.

We review refund requests in limited cases such as the following:

• Duplicate or clearly unintended duplicate charges
• Charges processed after a cancellation was successfully confirmed
• The amount charged differed from the amount shown at checkout
• A platform-wide technical incident materially prevented access to a paid entitlement for a meaningful portion of the paid period

• Change of mind after purchase
• Unused time remaining in a billing cycle after cancellation
• Unused credits. Credits do not expire and stay on your account, so there is nothing to refund — see below
• The prorated amount charged when upgrading a plan, once the upgrade has been applied
• Unused AI allowance at the end of a billing period. Plan allowances do not roll over
• Dissatisfaction where the service remained available as described
• Failure to cancel before an automatic renewal date
• Promotional or discounted purchases unless required by law

You can cancel a recurring subscription at any time from the billing area of your account. Cancelling is immediate and cannot be undone: it stops all future charges, and your paid features stay available until the end of the period you have already paid for. To use a paid plan after that, you start a new subscription.

Credits you have bought are not lost when a subscription ends. They stay on your account and do not expire, but they can only be spent while you have an active plan — if you subscribe again later, the balance is still there. Because nothing is taken away, unused credits are not refunded.

If you need help locating the cancellation controls, email support@keyo.in with the subject prefix [Billing].

Send an email to support@keyo.in with the subject prefix [Billing] and include:

• Your Keyo account email address
• The payment ID, subscription ID, or transaction reference
• The charge date, amount, and currency
• A short explanation of why you believe the charge is incorrect
• Any supporting screenshots or confirmation emails

Before initiating a chargeback, contact us so we can investigate and, where appropriate, resolve the billing issue directly. Filing an unjustified chargeback may result in temporary account restrictions while the dispute is reviewed.

If a refund or credit is approved, we will process it using the original payment method or another method we communicate to you. Banking and payment-provider timelines may affect when the final reversal becomes visible to you.

We may update this policy as our products or billing models change. Material revisions will be reflected in the date shown above.