Cancellation & Refund Policy

Cancelling your subscription

You can cancel a paid plan at any time from Settings in your SecVault account. Cancellation takes effect at the end of the billing period you have already paid for. You keep full access until then.

What happens to your files after cancellation

Your account reverts to the free 5 GB plan. If you are storing more than 5 GB at that point, your account becomes read-only: you can still open, download, and delete your files, and you can still share them. You cannot upload new files until you are back under 5 GB.

We do not delete your files because you stopped paying. We never delete your files to reclaim storage.

Important: cancelling does not automatically remove your UPI AutoPay mandate

If you paid using UPI AutoPay, cancelling your SecVault subscription stops us from collecting any further payment. However, the AutoPay mandate itself may remain visible and active in your UPI app, because a payment mandate on the UPI network is separate from a subscription with a merchant.

We strongly recommend you also revoke the mandate yourself:

• Open your UPI app (Google Pay, PhonePe, Paytm, your bank app)
• Find AutoPay, Mandates, or Subscriptions in the settings
• Locate the SecVault mandate and cancel it
• Alternatively, visit https://www.upihelp.npci.org.in to view and cancel active AutoPay mandates using your registered mobile number

If you are ever charged after cancelling, email support@rakshachakra.com and we will refund it in full.

Refunds

• First subscription: if you are dissatisfied within 7 days of your first paid subscription, email support@rakshachakra.com and we will refund it in full, no questions asked. This applies once per account.
• Renewals: we do not offer pro-rata refunds for a billing period already started. Cancel before the renewal date to avoid the charge.
• Duplicate, failed, or unauthorised charges: refunded in full.
• Charges collected after a cancellation: refunded in full.

How refunds are paid

Refunds are issued to the original payment method through our payment processor. Bank processing typically takes 5 to 7 working days after we approve the refund.

What we cannot do

SecVault is end-to-end encrypted. Your encryption keys are derived on your own device and never reach our servers. If you lose your password and your recovery kit, your files cannot be recovered by anyone, including us. This is the design, not a limitation we can waive. Loss of access caused by lost keys is not grounds for a refund of storage already used.

Contact

Email: support@rakshachakra.com
Phone: +91 94409 38659
Grievance Officer: Mallipudi Deemanth, Grievance Officer
We acknowledge complaints within 48 hours and resolve them within one month.