Commercial Terms & Billing Redressal

BizLiveGo Refund Policy

Institutional terms governing digital subscription charges, SaaS renewal cancellations, cooling-off refund rights, transaction error remediations, and standard 7 to 15 working days gateway settlement SLAs under Indian consumer law and global payment standards.

Eligibility & Grounds Cancellation Rules Settlement SLA (7–15 Days)

Commercial Operator: BizLiveGo (MD Joshim Biswas) | Malda, WB, India - 732206 | Version: 2026.1

1. Statutory Foundations

Commercial Governance Standards

This Refund Policy establishes transparent contractual terms for all payments processed across BizLiveGo for SaaS features, digital profiles, dynamic QR routing engines, and online business catalog hosting.

Our operations strictly uphold the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020 of India, and the operational standards of our partner gateways (Razorpay, Cashfree, Stripe).

2. Billing Philosophy

Fairness & Full Transparency

We build trust through clear commercial standards across every subscription tier:

Zero Hidden Fees: Pricing schedules, renewal terms, and GST invoicing are disclosed upfront before checkout.
Direct Gateway Reimbursements: Approved refunds are credited directly back to the original funding instrument.
Accessible Dispute Recourse: Fast, personalized resolution handled directly by our dedicated billing desk.

3. Subscription Refunds

Refund Eligibility, Cooling-Off Rights & Technical Outages

Conditions under which subscribers qualify for partial or full reimbursement:

1. 7-Day Cooling-Off Period

First-time buyers of annual or multi-month digital publishing plans can request a full, unconditional refund within 7 calendar days from the transaction timestamp if the tools do not suit their commercial needs.

Upon refund confirmation, custom subdomains and dynamic QR redirection links are decommissioned.

2. Platform Technical Outages

If BizLiveGo core servers encounter verified unscheduled downtime resulting in profile availability dropping below 99.0% during any paid monthly cycle, subscribers qualify for subscription extensions or prorated reimbursements.

Excludes scheduled off-peak maintenance and subscriber-side DNS misconfigurations.

3. Duplicate / Accidental Billings

In the event of accidental multiple checkout charges, browser double-submissions, or erroneous recurring debits, duplicate transactions are refunded 100% in full upon verification of payment gateway batch logs.

Immediate gateway reversal initiated without administrative deductions.

PCI-DSS & Identity Protection

4. Anti-Fraud Requirement: Strict Exclusion of Financial Secrets

To protect subscribers against financial fraud, account takeovers, and card skimming, BizLiveGo enforces strict input sanitization across all support channels:

Never Disclose in Refund Tickets

Customers must never communicate to support agents:

Full 16-digit credit/debit card numbers, card security codes (CVV/CVC), or expiration dates.
Bank account passwords, net-banking passphrases, UPI security PINs, or SMS OTPs.
Scans of national identity cards (Aadhaar, PAN, SSN, Passport) or raw biometric files.

Automated Gateway Reversals

All transactions are reversed programmatically via tokenized APIs:

Funds return solely through integrated PCI-DSS Level 1 gateways (Razorpay, Cashfree, Stripe).
Reimbursements are routed back to the exact bank card, UPI VPA, or net banking account used at checkout.
BizLiveGo employees never issue manual cash payouts or solicit third-party wallet transfers.

5. Subscription Governance

Cancellation & Auto-Renewal Rules

Subscribers retain complete self-service control over ongoing plans:

Anytime Auto-Renewal Cancellation: Turn off automatic renewals at any moment through Account Settings > Billing & Plans.
Prepaid Term Completion: When cancelled, services stay fully active until the prepaid term finishes, with no unexpected mid-cycle shutoffs.
No Mid-Term Proration: Once the 7-day initial cooling-off period concludes, regular monthly or annual recurring cycles cannot be refunded mid-term.

6. Explicit Exclusions

Non-Refundable Commercial Charges

Refunds will not be issued under the following specific circumstances:

Custom Domain Registrations: Top-level domain fees (TLD registrations/renewals) paid to upstream ICANN registrars are strictly non-refundable.
Deliberate Terms Violations: Accounts terminated for hosting illegal material, phishing campaigns, deceptive impersonations, or spam.
Change of Mind Outside Window: Requests submitted beyond the 7-day cooling-off window where services remained operational.

7. Claim Lifecycle

Step-by-Step Refund Request Workflow

How a refund ticket moves from initial lodgment to verified bank settlement:

Step 1: Lodgment

Submit ticket via:

Billing desk portal
Email billing team
Include Order ID & Date
Specify refund reason

Step 2: Verification

Audit checks:

Auth handshake check
7-day window check
Server log validation
Gateway duplicate check

Step 3: Approval

API processing:

Merchant sign-off
Profile URL severed
Gateway API triggered
ARN / UTR generated

Step 4: Credit

Interbank settlement:

7 to 15 working days SLA
Original payment mode
Confirmation receipt
Ticket formal closure

8. Settlement Timelines

7 to 15 Working Days SLA

Upon formal claim authorization by our billing office, the API refund instruction is executed with our acquiring gateway within 24 to 48 hours.

Due to external banking settlement protocols, clearing-house transfers (NACH/NEFT), card network switches (Visa, Mastercard, RuPay), and issuing bank verification queues, funds typically take 7 to 15 working days to credit the subscriber's account.

BizLiveGo promptly provides the Acquirer Reference Number (ARN) or UPI Transaction Reference (UTR) for easy customer bank-side tracking.

9. Chargeback Defense

Direct Amicable Dispute Resolution

We strongly encourage subscribers to contact our billing desk before filing unannounced payment card chargebacks or bank disputes:

Direct Speed: Our internal team can verify and resolve legitimate billing errors faster than the formal 60-to-90 day interbank chargeback cycle.
Account Standing: Initiating fraudulent or unverified chargebacks may result in immediate profile suspension and permanent account de-listing.

Quick Summary

Refund Policy Quick Reference

Consolidated review of commercial refund entitlements, qualifying grounds, and settlement parameters:

Transaction Category	Refund Terms & Eligibility	Settlement SLA & Method
Annual SaaS Plans (First-Time)	Full 100% refund available within 7 calendar days of initial checkout.	7 to 15 working days \| Original Payment Source
Monthly Digital Subscriptions	Cancel recurring billing anytime; plan remains active until prepaid month concludes.	Non-refundable mid-cycle; auto-debit stops
Server Outage Redress	Prorated credit or refund if server uptime falls below 99.0% in a paid cycle.	Account credit or source refund within 7–15 days
Duplicate / Error Debits	Full 100% refund upon verification of gateway transaction logs.	Immediate API initiation \| 7–15 days settlement
Custom Domain Registrations	Non-refundable once acquired from upstream global domain registries.	Non-refundable third-party fee
Account Bans (Terms Breach)	Strict forfeiture of remaining balance if banned for illegal content or phishing.	Zero refund (immediate termination)
Gateway Processing Standard	Secure tokenized reversals via PCI-DSS Level 1 partners (Razorpay, Stripe).	Zero raw card retention / Zero cash payouts

Need Help with a Billing Issue or Charge?

If you have questions regarding a charge, wish to cancel a recurring plan, or need to check the status of an approved refund, reach out directly to our dedicated billing and customer support office.

Open Billing Ticket WhatsApp Support support@bizlivego.com

Billing Desk: BizLiveGo | Masimpur, Post-Mosimpur, P.S. Kaliachak, Malda, West Bengal, India - 732206 | Direct Helpline: +91 7001100494