This Refund & Cancellation Policy explains how cancellations and refunds work for paid subscriptions to the LedgerLink app operated by Ctoryteller ("LedgerLink", "we", "us", "our"). It forms part of our Terms of Service and Terms & Conditions, and should be read together with them.
LedgerLink provides a digital service (software subscription). This Policy is designed to be fair and to comply with the Consumer Protection Act, 2019 and applicable Indian law.
1. Free Trial — try before you pay
Every new account gets a Free Trial of 30 days from the day you register. No payment method is required to start it, and no payment is taken during the Free Trial unless and until you choose to subscribe. We strongly encourage you to use the Free Trial to decide whether the Service meets your needs before subscribing.
2. Subscription fees are prepaid
Paid subscriptions (Personal, Pro, Elite, whether billed monthly or annually) are charged in advance for the applicable billing cycle through our payment gateway, Razorpay.
3. Cancellation
- You may cancel your subscription at any time from within the App (Manage Subscription) or by emailing ledgerlink@ctoryteller.com.
- On cancellation, your subscription will not auto-renew for the next cycle.
- You will continue to have access to your paid features until the end of the current paid billing period. After that, your account reverts to the free tier and its limits.
- Cancelling does not delete your data. Features your new tier does not include stop working, but your records remain. Export anything you need — a bill, statement, or transaction report — before the paid period ends, since export itself is a plan-gated feature.
4. Refunds — subscription fees are not refundable
Once a paid subscription starts, the fee for that billing cycle is not refundable.
The reason is the Free Trial. You get 30 days of the Service at no cost, with no payment method required, specifically so that you can decide whether it suits your business before any money changes hands. By the time you subscribe you have already evaluated it, and access to the paid features begins immediately and continuously.
Accordingly, we do not refund, in whole or in part:
- a billing cycle that has started, whether or not you use it;
- unused time remaining after you cancel — cancellation stops the next renewal, it does not refund the current period (Section 3);
- a renewal you did not intend to let happen, once it has been charged;
- a downgrade to a cheaper plan part-way through a paid cycle; or
- a change of mind.
We do not provide pro-rata refunds. Please use the Free Trial, and cancel before your renewal date if you do not wish to continue.
5. Billing errors and legal exceptions
Section 4 is about the price of the Service. It does not apply to money that was taken in error, which we will always return:
- Duplicate or erroneous charges — you were charged twice for the same period, charged an amount other than the price of your plan, or charged after a valid, timely cancellation.
- Unauthorised transaction — a charge you can demonstrate was not authorised by you (we may require details to investigate, and we may involve Razorpay).
- Where a refund is required by applicable law. Nothing in this Policy limits any right you have under the Consumer Protection Act, 2019 or other applicable Indian law, and where such a right applies it prevails over Section 4.
We investigate these reasonably and in good faith, and we may correct a billing error on our own initiative without waiting for you to ask.
6. How to report a billing error
If you believe one of the cases in Section 5 applies, email ledgerlink@ctoryteller.com (or use in-App Help & Support) within 7 days of the charge, with:
- your registered mobile number,
- the Razorpay payment/subscription reference or transaction ID, and
- the reason for the request.
We aim to acknowledge within 48 hours and to decide within 7 business days.
7. Refund method and timeline
- Approved refunds are made to the original payment method via Razorpay.
- After approval, refunds typically reflect within 5–7 business days, though the exact time depends on your bank or payment provider.
- Refunds are made in Indian Rupees (INR). Any bank/gateway charges or currency differences are not our responsibility.
8. Price changes and renewals
- Renewals are charged at the then-current price for your plan and cycle. We give reasonable notice of price changes, which apply from your next cycle.
- If you do not wish to renew at a changed price, cancel before the renewal date.
9. Chargebacks
If you believe there is a billing problem, please contact us first so we can resolve it quickly. Initiating a chargeback without contacting us may lead to suspension of your account pending resolution.
10. Taxes
The price shown at checkout is the amount charged. Where GST or another tax was charged on an amount that is later refunded, the refund and any tax adjustment will be handled in accordance with applicable tax law.
11. What a refund does not cover
This Policy covers the subscription fee you pay us. It has nothing to do with the money recorded between you and your Contacts in your ledger: those are transactions between you and them, LedgerLink never holds or transfers that money, and we cannot refund, reverse, or recover it. See Section 4 of the Terms of Service.
12. Contact and grievances
- Support: ledgerlink@ctoryteller.com | in-App Help & Support | WhatsApp support
- Grievance Officer: Faroze War, grievance@ctoryteller.com, +91-9970983661
- Address: Ctoryteller, 7th Floor, Skyline Icon, Andheri East, Mumbai 400059, India
We acknowledge complaints within 48 hours and endeavour to resolve them within 30 days, consistent with the Consumer Protection (E-Commerce) Rules, 2020.
13. Governing law
This Policy is governed by the laws of India, with disputes subject to Mumbai, Maharashtra as set out in the Terms of Service.
This document is a template and does not constitute legal advice. Please have it reviewed by a qualified Indian legal professional before publishing.