REFUND AND CANCELLATION POLICY

Effective Date: May 10, 2025

INTRODUCTION

1. NoLegalPaisa.com (a platform owned by Kaahmuchee Solutions Pvt. Ltd.) is committed to customer satisfaction and transparency in our services. This Refund and Cancellation Policy outlines when you can cancel services, how refunds are handled, and any applicable conditions or exceptions, inspired by standard practices in the legal tech industry. Please read this policy carefully to understand your rights and obligations.

2. No Refunds for Change of Mind: We do not provide refunds or cancellations simply for a change of mind or other discretionary reasons. Once you have placed an order and payment is made, cancellation is typically not possible unless there is an evident service deficiency or non-performance on our part. However, if no work has started and you decide not to proceed, we may, at our discretion, hold the fee paid as a credit for an alternative service, usable within one year. Such credits (or service swaps) are a one-time courtesy, and no cash refund will be issued in these cases.

3. Refunds on Service Failures: If we (or the assigned professional) fail to deliver the service as promised due to our fault, you may be eligible for a refund. Refund requests in such cases will be subject to internal review and approval. We reserve the right to first attempt to resolve or complete the service to your satisfaction before processing a refund. Only when we are unable to fulfil the service obligation due to our lapse will a refund be considered. Our decision in this regard shall be final.

4. No Refunds After Work Commences: Once a service has been assigned to a professional and work has begun, the order becomes non-cancellable and non-refundable. For example, if a lawyer or CA has started working on your case or document, or a consultation call has been scheduled, you cannot cancel that service without incurring charges. Refund requests will not be entertained after deliverables (draft documents, advice, etc.) have been shared with you, except in cases of proven deficiency in service.

1. For the purposes of this Policy, ‘commencement of service/work’ shall mean the occurrence of any one or more of the following events:
   1. Assignment of a professional to the order,
   2. Creation of a dialogue box with the professional
   3. Conduct of an initial consultation call,
   4. Commencement of document review, drafting, filing, or advisory work, or
   5. Submission of any application or document to a government authority or third party.

5. Refund Request Window: Any refund request should be raised promptly. We require that refund requests be submitted within 30 days of the payment date or service completion date (whichever is earlier). Requests made beyond this period may be declined as untimely. If a service was completed and communicated to you as such, any refund query after 30 days will be considered invalid. In some cases, at our discretion, late requests might be addressed via credits for future services rather than cash refunds. NoLegalPaisa.com shall not be liable for any refunds if the request for the same is received after the 30-day period.

6. Partial Completion and Deductions: If a service is partially completed or work has been done up to the point of cancellation, we will deduct fees for the work already performed (an "earned fee") from any refundable amount. Additionally, any expenses already incurred on your behalf will also be deducted. In other words, the refundable portion will cover only the part of the service that was not delivered.

1. We may also charge a reasonable cancellation fee (processing fee) of around 10-20% of the service fee to cover administrative costs in processing a cancellation. NoLegalPaisa will likewise deduct applicable cancellation charges, and the maximum refund amount will not exceed 80% of the total fees paid (since at least 20% may be retained to cover costs).
2. The minimum retention amount of up to 20% shall apply only where any professional, operational or administrative effort has been expended. Where no service activity has commenced, only actual payment gateway charges and other non-refundable charges detailed below shall be deducted.

7. Non-Refundable Charges: Certain components of fees are non-refundable in all cases. Any payments made to government fees, duties, stamp charges, filing fees, taxes, or third-party authorities are not refundable by NoLegalPaisa once they have been paid or incurred on your behalf. Similarly, payments made directly to third-party service providers or professionals outside our platform (if any) will not be refunded by us. For clarity, our refund commitments cover only the professional service fees charged by NoLegalPaisa or through our platform – not external costs, disbursements or miscellaneous costs/charges. For example, (i) if you paid a government filing fee as part of a compliance service, that portion cannot be recovered once the filing is done, even if the service itself is eligible for refund; (ii) if you made a direct payment to a professional, such a payment cannot be recovered at any point in time.

8. Investigation and Approval: All refund or cancellation requests are subject to review by our senior management. We may request additional information or additional reasons to evaluate your request. Refunds will be approved only when they meet the criteria outlined in this policy. We reserve the right to make the final and binding decision on any refund request after considering the service history, reasons provided, and evidence of any service lapses. We will aim to be fair and reasonable, in line with industry practices, while also preventing misuse of our refund policy.

9. Alternate Resolution: In situations where you are dissatisfied but a direct refund is not clearly warranted under our policy (for instance, minor delays or slight deviations in service), we will work with you to reach an amicable solution. This may include offering you additional support, corrections or revisions to the work, or a credit that can be used for other services, as appropriate. NoLegalPaisa.com intends to be objective and fair in resolving such cases, maintaining a positive relationship with our clients.

10. Different services offered on NoLegalPaisa.com have their own nuances. Below are service-specific cancellation and refund rules, in addition to the general terms above:

• Document Drafting and Legal Document Services

11. Our team assists with drafting contracts, wills, agreements, and other legal documents. Once a document drafting service is in progress, cancellation is generally not allowed.

1. If you have paid for a document drafting service and later wish to cancel, you must notify us before we assign a professional. If cancellation is requested in time, we may refund the service fee after deducting payment processing charges and any other costs incurred.
2. However, no refund will be possible after a first draft or work product has been delivered to you. Delivery of the first draft shall be deemed substantial performance. No refunds shall be available thereafter, except where the draft is non-compliant with the agreed scope of work and remains so after reasonable attempts at revision.
3. In cases of dissatisfaction with the quality of a delivered document, please inform us, and we will provide revisions or corrections. A refund in such cases will be considered only if we fail to rectify apparent deficiencies in the document as per the agreed scope. Simply changing your mind about pursuing the document or deciding you no longer need it does not qualify for a refund.

12. We encourage you to review requirements carefully before placing a document order.

• Online Dispute Resolution (Mediation/Arbitration) Services

13. For mediation, conciliation, arbitration, or other dispute resolution services conducted through our platform (often in collaboration with neutral mediators or arbitrators), no refunds will be issued once the dispute resolution process has commenced. This means that if a mediation session has started or an arbitrator has begun case work, the fees paid are non-refundable.

1. If you decide to cancel the proceeding before a neutral professional is assigned or before any sessions have been scheduled, you may request a cancellation. We will review such requests on a case-by-case basis, and if approved, a partial refund may be issued after deducting any administrative fees for the platform’s preparation work.
2. If a mediation cannot be held at all due to our inability to appoint a mediator or some scheduling failure on our side, we will, of course, refund your fee in full.
3. Additionally, if exceptional circumstances (e.g. technical platform issues) prevent the ODR service from taking place as intended, we reserve the right to make an exception and issue a refund or credit at our discretion.
4. On the other hand, if a mediation is ineffective or no settlement is reached, that outcome alone does not entitle a refund since the service (the mediation effort) was still provided.
5. Further, in case of arbitrations, no refund shall be applicable post appointment of an arbitrator.
6. We strive to ensure a fair process, but we cannot guarantee a particular result in dispute resolution.

14. It is again reiterated that the fees paid towards mediators or arbitrators compensate for their professional time and effort, and not outcomes. Accordingly, a lack of settlement or an unfavourable award does not create any entitlement to a refund.

• Litigation Funding (Case Investments)

15. In respect of our litigation funding services, NoLegalPaisa will act as the sole financier for all legal fees and disbursements incurred on behalf of the funded party. Once NoLegalPaisa advances funds under a duly executed Litigation Funding Agreement, the beneficiary (“Case Owner”) is responsible for honouring the full funded amount.

1. If the Case Owner elects to withdraw from the proceedings at any stage—whether before filing, during trial, or upon settlement—they must promptly reimburse NoLegalPaisa for all legal fees and related expenses paid to counsel on their behalf, together with interest calculated from the date each sum was disbursed until the date of repayment at the rate specified in the Funding Agreement. Amounts advanced under Litigation Funding are not ‘fees’ and are therefore not refundable.

16. All cancellation rights, repayment obligations, interest rates, and any applicable administrative charges shall be governed exclusively by the terms and conditions set forth in the individual Litigation Funding Agreement. Nothing in this Refund & Cancellation Policy overrides the detailed provisions of the mutually negotiated Litigation Funding Agreement. In case of any conflict, the terms of that Agreement shall prevail.

• Compliance and Regulatory Services

17. NoLegalPaisa provides various compliance services such as business registrations, tax filings, license applications, annual corporate filings, and other regulatory compliances. For these services, once we have started processing your application or documents, cancellations are not feasible. If you request a cancellation before our team begins the work, we may consider refunding the service fee minus a cancellation charge. But if work has progressed or documents have been submitted to the government, we cannot undo that process.

1. We will refund your fee only if we are unable to deliver the service due to a failure on our part (for example, if we miss a deadline or make an error that cannot be corrected). Even in such cases, any government fees or third-party payments already made on your behalf will be deducted from the refund, as those are non-recoverable.
2. Please be aware that government processing times and decisions are beyond our control. Delays caused by government departments or rejections due to legal eligibility issues, or on merits or under any statutory discretion do not constitute service deficiency and are accordingly not grounds for a refund, since we still put forth our best effort in the filing. For example, if a company registration filing is delayed due to a backlog at the Ministry of Corporate Affairs, or a trademark application is rejected by the registry on legal grounds, NoLegalPaisa is not liable for a refund in those situations.
3. We also rely on you to provide complete and accurate information and documentation for compliance filings. If a service cannot be completed due to incomplete information or a lack of required documents from your side, the service will be deemed delivered to the extent possible and will not be eligible for a refund. We will, however, work with you to finalise any pending compliance if you later provide the missing information (additional fees may apply if the delay caused extra work).

18. In summary, for compliance services: no refunds after filing is done or work started, except for our proven non-performance; and no refunds for external factors like government delays or your own failure to comply with requirements.

• Online Consultation Services (One-time Consultations)

19. We facilitate one-time online consultations with various professionals (lawyers, Chartered Accountants, Company Secretaries, etc.) via scheduled phone calls, video calls, or chat.

1. Appointment Cancellation by User: If you have booked a consultation and need to cancel or reschedule, you must notify us at least 1 hour before the scheduled appointment time. This 1-hour cancellation rule exists because professionals reserve exclusive time slots and decline other engagements. Cancellations with sufficient notice will be eligible for a refund of the consultation fee, minus a nominal processing charge (typically 10% to cover payment gateway costs). Alternatively, if you prefer, we can reschedule the consultation to a new time at no additional charge.
   1. If you cancel on short notice (less than 1 hour before the appointment) or fail to attend the consultation (“no-show”), the consultation fee is non-refundable because the professional's time was reserved. However, we may still attempt to reschedule if you immediately inform us of extenuating circumstances, but this is at our discretion and the professional’s availability.
2. Provider Cancellations or No-Shows: If the assigned lawyer or expert does not attend the consultation or is unable to fulfil the appointment, you are entitled to a full refund of the consultation fee or a complimentary rescheduling, as you prefer. We take such issues seriously and will coordinate a new consultation promptly or process your refund. If we offer a replacement expert (of similar qualifications) and you agree to proceed with them, that is considered a rescheduling, not a refund, scenario. We ensure that either the service is delivered or you receive a refund in cases of provider failure.
3. During the Consultation: Once a consultation has been successfully completed, the service is considered delivered, and no refund will be issued for the consultation fee.
   1. If you are dissatisfied with the advice given or have issues with the consultation quality, please reach out to our support team – we will try to address your concerns (perhaps by arranging a follow-up call or clarifying the advice). Still, a refund will not be provided just because the outcome or advice was not what you expected. Our professionals are independent, and while we ensure they are qualified, we do not guarantee any particular advice or result from a consultation.
   2. In cases where there is a demonstrable deficiency/inadequacy in the consultation, we may, at our discretion, offer a complementary re-consultation.

• Legal Counsel Subscription Services (Subscriptions for Businesses/MSMEs)

20. NoLegalPaisa offers subscription plans for businesses (e.g. monthly or annual legal support packages, compliance packages, or other ongoing services). These subscriptions include a bundle of services or ongoing access to legal/financial professionals for a fixed periodic fee.

1. Cancellation of Subscription: You may cancel a subscription at any time to prevent the next billing cycle. Cancellation of a subscription will stop future automatic renewals after the current billing period ends.
2. Fees Already Paid: Payments already made for a subscription period are typically not refundable. As is standard with subscription services, you are responsible for all charges up to the date of cancellation, and any previously billed amounts will not be refunded. For example, if you subscribed for a year and decide to cancel after 3 months, the fee for those 3 months (or the whole year if paid upfront) will not be returned; instead, your subscription will remain active until the end of the period you paid for, and then not renew.
3. In certain cases, if you are genuinely unsatisfied with the subscription service and you have used only a small portion of the services (typically about 25%), we may consider a pro-rata refund or credit for the unused portion of the term, at our discretion. This is not guaranteed and is evaluated on a case-by-case basis. Factors considered might include how much of the service you used (e.g., number of consultations or tasks availed), the reason for dissatisfaction, and our ability to recover costs.
4. If a pro-rata refund is granted, it will usually deduct any discounts you received (since longer subscriptions often come at discounted rates) and will only cover full unused months. We aim to be fair, so if, for instance, you paid for 6 months upfront and, after 2 months, you have to discontinue because your business closed, we might refund a portion of the remaining 4 months as a gesture of goodwill. All such requests should be made to our support team, accompanied by an explanation.

21. If we terminate a subscription service (due to any reason, such as a violation of terms by the user, or discontinuation of a service offering from our side), we will refund any unused portion of fees on a pro-rata basis. Otherwise, beyond any special consideration, no refunds are issued for mid-term subscription cancellations, and you will continue to have access to the subscribed services until the end of the paid period.

22. Upon the requisite refund approval, refunds shall be initiated within 7 business days and completed within a further period of 15 business days, subject to banking/transfer channels.

1. In many cases, it is faster, but if there are any payment gateway delays or additional verification needed, it could take up to 3-4 weeks (especially for international card transactions). We will keep you updated on the status of the refund.
2. If you paid via credit card, the refund will appear as a credit on your statement; if via bank transfer or UPI, the amount will be credited back to your bank.

23. For any delays beyond 15 business days, you can contact us to follow up, and we will liaise with the payment processor to resolve it.

24. If you believe you are eligible for a refund or need to cancel a service as per the guidelines above, please follow this procedure to initiate your request:

1. Contact Us in Writing: Send an email to our support team at support@nolegalpaisa.com with the subject line "Refund Request - [Order ID]" or
   "Service Cancellation Request - [Order ID]". In the email, include your order number, the service purchased, the payment date, and a detailed description of the issue or reason for the cancellation/refund. Alternatively, if we have a ticket system or chat support, you may use that as well – ensure you get a confirmation of your request in writing.
   (If you have an account dashboard where you can request cancellations,you may do so and then follow up with an email.)

25. Timeframe for Request: As noted, initiate the request within 30 days of the service purchase or completion. The sooner we receive your request, the better we can assist. Requests made after the allowed window or very close to service delivery might not be approved for refund, but we will still address any service issues.

26. Our Response: Upon receiving your cancellation or refund request, our team will acknowledge it and may reach out for additional information or clarification. We strive to respond to all refund queries within 1-2 business days, and in complex cases, our Senior Management or case managers will review the matter. We may propose a resolution (for example, offering to fix a problem or provide an alternate service) or directly confirm whether the refund is approved or denied, based on this Policy.

27. Resolution & Refund Processing: If your refund is approved, we will notify you via email. Refunds will then be processed to the original payment method you used – e.g., the same bank account, credit/debit card, UPI, or wallet from which you paid. We do not issue refunds to alternate accounts for security reasons. Please note that once approved on our end, it might take some time for the funds to reflect in your account due to banking/payment gateway processing.

28. Refund Timeline: We typically process refunds within 15 business days of approval. In many cases, it is faster, but if there are any payment gateway delays or additional verification is required, it could take up to 3-4 weeks (especially for international card transactions). We will keep you updated on the status of the refund. If you paid via credit card, the refund will appear as a credit on your statement; if via bank transfer or UPI, the amount will be credited back to your bank. For any delays beyond 15 business days, you can contact us to follow up, and we will liaise with the payment processor to resolve them.

29. No Cash or Cheque Refunds: All refunds are made electronically to the original source. We do not provide refunds in cash or by paper cheque. Similarly, if a payment was made directly to a professional or third-party and not through our platform, we cannot process a refund for that – you would need to contact the respective party.

30. Service Continuation During Dispute: If you have requested a refund but the service can still be delivered or is ongoing, you may choose to continue availing the service while your request is being reviewed. However, if you decide to halt the service, we will consider the work up to that point for the purpose of calculating any refund. Sometimes continuing with the service might resolve your concern (for example, a slight delay might be resolved later). We leave that decision to you and the professional involved.

31. Certain situations are explicitly excluded from refunds or have special conditions, as follows:

1. External Delays or Government Issues: As noted earlier, any delays or failures attributable to external factors (government agencies, courts, external platforms, public holidays, strikes, natural delays, etc.) do not entitle you to a refund. Our services often depend on timely cooperation from various government departments and third parties. For instance, if a government website is down or a regulatory approval is pending, we ask for your patience. We will fulfil our role and keep you informed, but such waiting periods or external rejections are beyond NoLegalPaisa’s control and thus not covered by our refund guarantee.
2. Client Responsibility Failures: If a delay or issue in service was caused by your own failure to provide required information, documents, or responsiveness, then you are not eligible for any refund related to that issue. We expect clients to provide true and correct information promptly. For example, if you purchase a tax filing service but do not share the necessary financial details on time despite reminders, any resulting delay is on you. We will still complete the service once you comply, but you cannot claim a refund for missed deadlines or dissatisfaction stemming from your lack of cooperation.
3. Multiple Services Package: If you purchased a bundle or package of multiple services at a combined price (or under a subscription) and you seek a refund for one part of it, we will break down the fee for the specific service in question and assess refund eligibility for that portion only. Any discounts applied to the package will be factored in. You cannot claim a full package refund for a minor issue with one component unless that issue renders the entire purpose of the package void, as determined by us.

32. Partial Refunds: In cases where a partial refund is granted (e.g., we delivered some of the work and you paid for the full service), the refund amount will be calculated fairly and proportionally. We will communicate the breakdown to you. Typically, any refund will not exceed 80% of the total fee paid, since, at a minimum, 20% may be retained to cover our expenses and efforts if we did any work at all.

33. Chargebacks and Payment Disputes: If you initiate a chargeback or dispute with your bank/card issuer without first contacting us for a refund, we reserve the right to contest the chargeback. All the terms in this policy will be used as evidence of our service delivery. Initiating a fraudulent chargeback after receiving services may result in legal action and the termination of your account.

1. To avoid unnecessary complications, users are encouraged to contact us before initiating a chargeback so we can work together on any refund issues and reach an amicable solution.

34. One-Time Resolution: If a refund is processed or a service is re-performed as a resolution to your complaint, that shall be considered a full and final settlement of the matter. You cannot claim multiple remedies for the same issue. For example, if we refund you for a filing service, we will not also perform that filing later without additional charges; conversely, if we correct the service and fulfil it, no refund will be issued.

35. Future Services and Credits: Any credits issued must be utilised within the stipulated time (usually 6 to 12 months). Credits have no cash value and are not transferable. They can only be applied toward services on our platform. If not used in time, they will expire and cannot be encashed.

36. We strive to resolve all customer concerns amicably and quickly. If you have a complaint or believe your refund/cancellation request was unfairly denied, you may escalate the issue to our Grievance Officer. In accordance with the Consumer Protection (E-Commerce) Rules, 2020, the details of the Grievance Officer are provided below:

1. Grievance Officer: Mrs. Dimple Rajpurohit (Nodal Officer)
2. Email: support@nolegalpaisa.com
3. Phone: +91-9326024128
4. Address: Kaahmuchee Solution Pvt. Ltd., Shop No. 05, Yamuna Bldg, Lodha Heaven, Kalyan-Shill Road, Nilje, Thane, Maharashtra – 421204, India

37. You can email the Grievance Officer with the issue and ticket/order details. The Grievance Officer will acknowledge your complaint within 48 hours and aim to resolve it within 1 week or as prescribed by law. We will re-examine the situation and communicate a clear resolution or explanation. The decision of the Grievance Officer is binding internally, but it does not affect your legal rights. If you are still unsatisfied, you may seek remedies under consumer protection laws or other applicable laws.

38. Dispute Resolution: Any disputes arising out of this Refund and Cancellation Policy will be governed by the laws of India and subject to the jurisdiction of courts in Mumbai, Maharashtra, India, as per our Terms of Service. We encourage dispute resolution through dialogue, and if needed, we can also facilitate mediation via our own platform (ironically, since we offer ODR services) to resolve issues with clients, if both parties agree.

1. Amicable Resolution: In the event of any dispute, difference, or claim arising out of or in connection with this Refund and Cancellation Policy, including any question regarding its existence, validity, interpretation, or termination ("Dispute"), the Parties shall first attempt to resolve the Dispute amicably through mutual negotiations.
2. Arbitration: If the Parties are unable to resolve the Dispute within thirty (30) days from the date of written notice of such Dispute by either Party, the Dispute shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996, as amended from time to time.
1. The arbitration shall be conducted by a sole arbitrator mutually appointed by the Parties. In the event the Parties fail to agree upon the sole arbitrator within fifteen (15) days of the reference to arbitration, the arbitrator shall be appointed in accordance with the provisions of the Arbitration and Conciliation Act, 1996.
2. The seat of arbitration shall be Mumbai or New Delhi, India, as determined by the Platform at its discretion. The language of the arbitration shall be English. The arbitral award shall be final and binding on the Parties and may be enforced in any court of competent jurisdiction.

39. This Policy shall be governed by and construed in accordance with the laws of India, without regard to its conflict of laws principles.

40. NoLegalPaisa.com and Kaahmuchee Solutions Pvt. Ltd. shall not be liable for any failure or delay in compliance with this Privacy Policy, including obligations relating to access, security, storage, transmission, or processing of personal data, where such failure or delay results from events beyond our reasonable control (“Force Majeure Event”).

41. Force Majeure Events shall include, but are not limited to, acts of God, natural disasters, floods, earthquakes, fires, pandemics, epidemics, public health emergencies, acts of war, terrorism, riots, civil unrest, strikes, labor disputes, governmental orders or restrictions, court orders, changes in law or regulation, power failures, telecommunications or internet outages, failures of data centers, cloud service providers or third-party infrastructure, cyber-attacks not attributable to our gross negligence, or any other event that is unforeseeable and beyond reasonable control.

42. During the continuance of a Force Majeure Event, we shall make reasonable efforts to mitigate the impact on personal data and restore normal operations as soon as practicable. However, users acknowledge that temporary disruption to access, availability, or processing of personal data may occur despite reasonable safeguards.

43. Nothing in this clause shall excuse wilful misconduct or gross negligence in handling personal data, nor shall it limit any non-derogable rights available to users under applicable data protection laws.

44. If any provision of this Privacy Policy is held to be invalid, illegal, or unenforceable by a court, tribunal, or competent authority of competent jurisdiction, such provision shall be severed from this Privacy Policy to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

45. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions of this Privacy Policy, which shall be interpreted so as to best give effect to the original intent of the parties and the purposes of this Privacy Policy, including the protection and lawful processing of personal data.

46. Where required, the severed provision shall be replaced by a valid and enforceable provision that most closely reflects the original intent and complies with applicable data protection laws.

47. NoLegalPaisa.com reserves the right to modify or update this Refund and Cancellation Policy at any time. Changes will be effective upon posting on our website, with the updated effective date. We encourage you to review this policy periodically for any updates. If you have an ongoing service with us, we will, to the best of our ability, inform you of significant changes that might affect your rights. However, it is ultimately your responsibility to periodically check our policies. Continued use of our services after any changes shall indicate your consent to such changes.