Refund & Cancellation Policy

Refund & Cancellation Policy

PP Expense
Operated by Publicity Poster
Website: https://expense.ppapps.in/
Contact: [email protected]

Last Updated: September 5, 2026

This Refund & Cancellation Policy explains the rules applicable to paid subscriptions, cancellations, refunds, and payment-related issues for PP Expense (“PP Expense,” “the App,” “we,” “us,” or “our”).

By purchasing or using a paid subscription, you agree to this Refund & Cancellation Policy together with our Terms of Service and Privacy Policy.

1. Paid Subscription Plans

PP Expense may offer paid subscription plans that provide an ad-free experience and/or other premium features made available under the applicable subscription plan.

Subscription plans may include:

• Monthly subscriptions
• Yearly subscriptions
• Other paid plans or promotional offers that we may introduce from time to time

The price, duration, features, taxes, and other applicable terms will be displayed to you before you complete your purchase.

We reserve the right to modify subscription prices, features, or plan structures in accordance with applicable law. Changes will not retroactively alter a subscription period that you have already paid for, unless otherwise required by law or agreed with you.

2. Subscription Activation

Paid features are activated after successful payment confirmation and subscription verification.

Depending on the payment and verification process, activation may require an internet connection.

A payment being initiated or deducted from your payment method does not necessarily mean that the subscription has been successfully activated. Activation is subject to successful payment confirmation and entitlement verification.

If your payment was successfully completed but your subscription has not been activated, please contact us at:

[email protected]

Please include the relevant payment or subscription reference whenever possible. Do not send passwords, card numbers, CVV numbers, UPI PINs, or other sensitive payment credentials.

3. Cancellation of Subscription

You may cancel your subscription at any time.

Cancellation stops future renewals but generally does not automatically entitle you to a refund for the unused portion of the current subscription period.

Unless otherwise required by applicable law or expressly stated at the time of purchase:

• You will continue to have access to the paid features until the end of the period for which you have already paid.
• Your subscription will not renew after successful cancellation.
• Cancellation does not automatically delete your PP Expense account or financial data.
• Cancellation does not automatically delete backups or exported files that you have stored separately.

If your subscription is managed through a third-party payment or subscription system, you may also need to cancel it through the relevant payment/subscription management interface.

4. Refund Policy

4.1 General Rule

Payments for PP Expense subscriptions are generally non-refundable, except where:

• A refund is required under applicable law;
• We expressly approve a refund;
• You were charged due to a technical or billing error attributable to us;
• The same subscription was accidentally charged more than once due to an error;
• A refund is otherwise required under the applicable terms of the payment provider.

Simply not using the App or premium features after purchasing a subscription does not, by itself, create an automatic right to a refund.

5. Duplicate or Incorrect Charges

If you believe that you have been charged more than once for the same subscription or that an incorrect amount was charged because of an error on our side, please contact us as soon as reasonably possible.

We may investigate the transaction and, where appropriate, issue a refund or correction.

Refunds will generally be processed using the original payment method or through the applicable payment provider's refund mechanism.

6. Payment Processing Through Razorpay

PP Expense may use Razorpay as a payment service provider for subscription payments.

Payment information may be processed by Razorpay or other authorized payment providers as necessary to process and verify your transaction.

PP Expense does not require you to provide your card number, CVV, UPI PIN, or other confidential payment credentials directly to us for ordinary payment processing.

Payment processing is subject to the applicable terms and policies of the payment provider.

For more information about how Razorpay handles payment and personal information, please refer to Razorpay's applicable privacy and payment terms.

7. Failed, Declined, or Pending Payments

A subscription may not be activated if a payment:

• Is declined by the payment provider;
• Fails during processing;
• Is cancelled;
• Is reversed;
• Remains pending;
• Cannot be verified; or
• Is otherwise not successfully completed.

If money has been deducted from your account but the payment remains unsuccessful or the subscription is not activated, please contact us with the relevant transaction details.

Where a payment is automatically reversed or refunded by the payment provider, the timing of the credit to your account may depend on your bank, card issuer, UPI provider, or payment provider.

8. Refund Processing Time

Where we approve a refund, the refund will be initiated within a reasonable period after approval.

The actual time required for the refunded amount to appear in your account may depend on the payment provider, bank, card issuer, UPI provider, or other financial institution.

PP Expense is not responsible for delays caused solely by a third-party payment provider or financial institution after the refund has been successfully initiated.

9. Subscription Renewal

Where a subscription is configured to renew automatically, the applicable subscription fee may be charged again at the beginning of the next subscription period unless you cancel the subscription before renewal.

You are responsible for reviewing your subscription status and cancelling the subscription before the renewal date if you do not wish to continue.

A successful renewal charge is treated as a new subscription period and is subject to this Refund & Cancellation Policy.

10. Cancellation After Renewal

If you forget to cancel a subscription before its renewal and the subscription is subsequently renewed, the renewal payment is generally non-refundable, unless:

• Applicable law requires otherwise;
• The payment was made in error;
• A duplicate charge occurred;
• We determine that a refund is appropriate; or
• The applicable payment provider's rules provide a refund.

We recommend cancelling your subscription before the renewal date if you do not wish to continue.

11. Promotional Offers and Discounts

From time to time, PP Expense may provide promotional pricing, discounts, introductory offers, coupons, or other special subscription offers.

Unless expressly stated otherwise:

• Promotional offers cannot be exchanged for cash;
• Promotional offers are subject to their stated conditions;
• A promotional offer may be available only once per user/account;
• We may withdraw or modify promotional offers where permitted by law;
• After a promotional period ends, the applicable standard subscription price may apply.

Any special refund terms stated with a specific promotional offer will take precedence over the general provisions of this policy to the extent of the conflict.

12. Change of Mind

We do not generally provide refunds simply because you:

• Changed your mind;
• No longer need the App;
• Did not use the premium features;
• Forgot to cancel the subscription;
• Purchased the wrong plan;
• Did not use the App during the subscription period; or
• Decided that the subscription is no longer useful to you.

However, nothing in this policy limits any mandatory consumer rights or remedies available to you under applicable law.

13. Technical Problems

If a paid feature does not work as reasonably described because of a technical problem attributable to PP Expense, please contact us.

We may, at our discretion and subject to applicable law, attempt to:

1. Troubleshoot the problem;
2. Restore your subscription entitlement;
3. Extend your subscription period;
4. Provide an alternative resolution; or
5. Issue an appropriate refund where warranted.

A temporary interruption caused by maintenance, network failure, device issues, third-party services, operating-system changes, or circumstances outside our reasonable control does not automatically create a right to a refund.

14. Service Availability

PP Expense is designed as an offline-first application. Core financial-management functionality may continue to operate without an internet connection.

Certain optional or online-dependent features may require internet connectivity, including payment verification, subscription entitlement verification, Google Sign-In, Google Drive backup/restore, advertisements, support submissions, and other network-dependent functionality.

Temporary unavailability of such services does not automatically qualify for a refund.

15. Subscription Cancellation Does Not Delete Your Data

Cancelling a paid subscription does not mean that your PP Expense data will be deleted.

Your locally stored financial records remain subject to our Privacy Policy and the App's data-management controls.

If you want to delete your account or personal data, please follow the applicable account/data deletion process:

Account Deletion:
https://expense.ppapps.in/legal/account-deletion

Data Deletion:
https://expense.ppapps.in/legal/data-deletion

You should separately manage any files that you have exported or backed up to locations under your control.

16. Refund Requests

To request a refund or report a payment problem, contact:

Email: [email protected]

Please provide, where available:

• Name associated with the purchase;
• Email address associated with the subscription;
• Payment/order/subscription reference;
• Date of payment;
• Amount charged;
• Description of the issue.

Do not send:

• Card numbers;
• CVV;
• UPI PIN;
• Banking passwords;
• OTPs;
• Google passwords; or
• Other confidential authentication credentials.

We may request sufficient information to verify the transaction and prevent unauthorized refund requests or fraud.

17. Refund Decisions

Refund requests are reviewed individually based on:

• The circumstances of the transaction;
• Payment records;
• Subscription status;
• Whether the service was activated or used;
• Technical issues, if any;
• Applicable payment-provider rules;
• Applicable consumer-protection and other laws; and
• Any mandatory refund rights applicable to the transaction.

Submitting a refund request does not guarantee that a refund will be approved.

Our decision will be communicated using the contact information associated with your request or account.

18. Third-Party Payment Provider Rules

Where a payment or subscription is processed through a third-party payment provider, that provider may have its own refund, cancellation, dispute, and payment-processing procedures.

You may be required to follow the applicable procedure of the payment provider for certain transactions.

Nothing in this policy is intended to remove or restrict any rights that you may have under applicable law or mandatory payment-provider rules.

19. Chargebacks and Payment Disputes

Before initiating a payment dispute or chargeback, we encourage you to contact us at [email protected] so that we can investigate and attempt to resolve the issue.

Unauthorized transactions should be reported promptly.

We reserve the right to suspend or restrict access to paid features where a payment is reversed, charged back, disputed fraudulently, or otherwise determined to be unauthorized, subject to applicable law.

20. Fraud and Abuse

We may refuse or restrict refunds where we reasonably believe that a refund request involves:

• Fraudulent activity;
• Abuse of promotional offers;
• Repeated misuse of refund processes;
• Unauthorized account activity;
• Payment manipulation;
• False or misleading information; or
• Attempts to obtain paid features without valid payment.

This does not affect any rights or remedies that cannot legally be excluded.

21. Taxes and Charges

Subscription prices may be subject to applicable taxes, including GST or other applicable taxes.

The amount payable will be displayed during the applicable purchase process where required.

Any bank charges, foreign exchange charges, payment-provider charges, or other fees imposed by your financial institution may be your responsibility unless otherwise required by law.

22. Changes to Subscription Plans

We may modify, replace, discontinue, or introduce subscription plans and premium features from time to time.

Where a change materially affects an active paid subscription, we will handle the change in accordance with applicable law and the terms applicable to that subscription.

Previously completed payment transactions will not be retroactively changed except where permitted or required by law.

23. No Waiver of Legal Rights

Nothing in this Refund & Cancellation Policy is intended to:

• Exclude a refund where a refund is legally required;
• Limit statutory consumer rights;
• Restrict rights that cannot legally be waived; or
• Override mandatory requirements applicable to a particular transaction.

Where applicable law provides you with greater rights than those described in this policy, the applicable law will prevail.

24. Relationship With Other Policies

This Refund & Cancellation Policy should be read together with:

• Terms of Service
• Privacy Policy
• Data Deletion Policy
• Account Deletion Policy
• Any specific subscription terms presented to you at the time of purchase.

If there is a conflict between this policy and a mandatory legal requirement, the mandatory legal requirement will prevail.

25. Changes to This Policy

We may update this Refund & Cancellation Policy from time to time to reflect changes in our services, subscription plans, payment methods, legal requirements, or business practices.

When we make changes, we may update the “Last Updated” date shown at the top of this page.

Your continued use of paid services after an updated policy becomes effective constitutes acceptance of the updated policy to the extent permitted by applicable law.

26. Contact Us

For subscription, cancellation, payment, or refund-related questions, contact:

Publicity Poster
Email: [email protected]
Website: https://expense.ppapps.in/

Please include sufficient transaction information for us to locate your payment, while keeping confidential payment credentials private.

Quick Summary

By purchasing a PP Expense subscription, you acknowledge that you have read and understood this Refund & Cancellation Policy.