CA Assist (caassist.app), operated by Cognitive Automation
1. What this policy covers
This policy covers payments you make to CA Assist for a Starter, Growth or Scale plan. It forms part of our Terms and Conditions, and you agree to it each time you pay.
It does not cover fees your clients pay to your CA firm for documents. Refunds of client fees are between the client and the CA firm (see section 11).
2. The short version
- Within 7 days of your first plan payment (or of an automatic renewal charge) you can claim a refund.
- We keep 7 days of fees and refund the rest.
- Claiming the refund permanently deletes your firm's account and all its data at once. There is no 30-day restore period, and it cannot be undone.
- The refund can be claimed only once per firm and per person, for good: not again with a new account.
- After 7 days, payments are not refunded.
3. How plans are sold
- Plans are prepaid for one month or one year. Prices are shown on the pricing page including 18% GST; your GST invoice shows the taxable value and the GST in that price.
- A plan renews only when a renewal is paid: by you, from Billing, or automatically if you have turned on automatic renewal where we offer it. We remind you 7, 3 and 1 day before your plan ends.
- Free trials cost nothing and end automatically. We do not collect payment details for a trial.
4. Delivery of the service
CA Assist is an online software service; nothing is shipped. Your plan is activated immediately once Razorpay confirms your payment, usually within seconds, and your GST invoice is issued at the same time and emailed to your billing contact. If activation is delayed because the bank is still confirming the payment, it is applied automatically as soon as confirmation arrives. If your plan is not active within 24 hours of a successful payment, write to admin@caassist.app and we will activate it or refund you in full (this is not a claim under section 5 and deletes nothing).
5. The 7-day refund
5.1 When you can claim it. Within 7 days of:
(a) your firm's first plan payment; or
(b) an automatic renewal charge you did not want.
5.2 Once only. The 7-day refund can be claimed once per firm and once per person, ever. It is tied to the firm's PAN, GSTIN and ICAI firm registration number, the owner's email address and phone number, and every WhatsApp number the firm connected. If any of them was already part of an account that claimed a refund, the 7-day refund is not available, including after deleting an account and signing up again. We keep one-way hashes of these identifiers for this purpose (see our Privacy Policy); they cannot be read back.
5.3 What we keep. We keep 7 days of fees and refund the rest of what you paid:
- Monthly plans: we keep 7/30 of the amount you paid (including GST).
- Yearly plans: we keep 1/70 of the amount you paid (including GST).
For example, if you paid ₹1,178.82 for a monthly plan we keep ₹275.06 and refund ₹903.76; if you paid ₹11,788.20 for a yearly plan we keep ₹168.40 and refund ₹11,619.80. The amount is shown to you before you confirm, and GST is refunded in the same proportion on our GST credit note.
5.4 Claiming the refund deletes your account. Claiming the 7-day refund means you are leaving CA Assist. When you confirm the claim:
- your firm's CA Assist account is deleted immediately and permanently, including every client, contact, document, request, message, WhatsApp connection and setting, and your team's access;
- there is no 30-day restore period (unlike closing your account in the usual way, section 6), and it cannot be undone;
- the firm, acting through its owner, is solely responsible for this decision and its consequences, including keeping its own copies of any documents or records it or its clients need, and any obligations to its clients. Download everything you need before you claim.
We keep only the records the law requires (our GST invoices and credit notes, payment and refund records, and the consent and audit records of the claim), as set out in our Privacy Policy.
5.5 How the claim is confirmed. Only the firm's owner can claim, from Billing > Invoices. The owner types the firm's name, and we email a one-time link to the owner's address (valid for 60 minutes). The link opens a page that shows the amount and asks once more; nothing happens until the owner confirms there. We record when, from where and on which version of this policy the claim was made and confirmed.
5.6 Other refunds.
(a) Duplicate, failed or wrongly applied payments are refunded in full on request, without deleting anything.
(b) When we end the service. If we close your account for our convenience, or stop offering a plan you have paid for, we refund the unused part of your prepaid period pro rata.
(c) At our discretion. We may refund all or part of a payment in other circumstances, for example after a serious service problem. A refund we choose to give in one case does not create a right to one in another, and it does not delete your account unless we agree that with you.
5.7 No refunds otherwise. Apart from 5.1 to 5.6 and any refund the law requires, payments are not refundable. This includes payments after the 7-day window, a renewal you paid for yourself, the unused part of a billing period, unused features or limits, and closing your account early.
5.8 Upgrades and downgrades are not refunds. When you upgrade now, the unused value of your current period is deducted from the price of the new plan on the same invoice; when you choose to start the upgrade after your current period ends, you pay its full price and keep your current plan until then. When you downgrade, the lower plan starts at your next renewal; nothing is refunded for the current period.
5.9 Credits. Referral credits and other account credits have no cash value and are never paid out; they end when the account is deleted. A refund of a payment that earned someone a referral reward reverses that reward under the Referral Program Terms.
5.10 Suspension for breach. No refund is due if we suspend or close an account for fraud, abuse or a serious breach of our Terms and Conditions, including an attempt to obtain the 7-day refund more than once.
6. Cancelling without a refund
- You can close your account at the end of your current trial or billing period at any time from Billing > Cancel subscription. You keep full access until that date and can withdraw the request before then.
- You can also delete your account under My account > Delete account. It is deactivated for 30 days, during which you can restore it, and then deleted. This does not refund any payment.
- If you do not renew, your account stays fully usable for a 7-day grace period after the period ends, then becomes read-only (you can still sign in, view, export and pay), and is closed after 60 days of suspension.
- If you have automatic renewal on, turning it off stops the next charge. It does not end the period you have already paid for.
7. How refunds are paid
- Refunds go back to the original payment method through Razorpay. Banks usually credit them within 5 to 7 working days; timing after that is the bank's.
- If Razorpay cannot take the refund at the moment you confirm, your account is still deleted as you confirmed and we keep trying until the refund goes through; the amount is owed to you from that moment.
- For every refund we issue a GST credit note against the original invoice (numbered CN/…), with the tax split in the same proportion as the invoice, and email it to the owner's address.
8. Chargebacks
Please claim the refund from us before disputing a payment with your bank. A chargeback of a payment that is not refundable under this policy may lead us to suspend the account while the dispute is open. A chargeback for a payment already refunded to you is not valid.
9. Plan limits after a change
If your plan ends or you move to a lower plan, nothing you created is deleted. Limits only stop you adding more (for example new clients or team members) until you are within the plan again.
10. Changes to this policy
We give at least 30 days' notice of changes that reduce your rights under this policy. The version you agreed to when you paid applies to that payment, and a change never affects a claim you have already made.
11. Fees your clients pay to your CA firm
When a CA firm charges its clients for documents through CA Assist, the client pays the CA firm. The CA firm sets the fee and its own refund rules. Clients should contact their CA firm about these payments; CA Assist is not a party to them and cannot refund them.
12. Contact
Cognitive Automation, Gujarat, India
Billing: admin@caassist.app | Grievance Officer, Cognitive Automation: admin@caassist.app