Refund Policy - WorqNET

1. Scope

This policy applies to WorqNET SaaS subscriptions and direct payments made to COSQ Network Private Limited by customers in India or internationally. It covers subscription charges, renewals, upgrades, taxes, payment-provider charges received by us, and approved credits or refunds.

It does not automatically apply to separately negotiated enterprise orders, professional services, on-premise licenses, implementation work, or third-party products. Those are governed by the applicable quote, license, order, master services agreement, or other written contract. If a contract provides a different remedy, the contract controls.

2. Cancellation

Customers may request cancellation through the supported account or billing flow or by contacting billing@worqnet.com.
Cancellation generally takes effect at the end of the current paid billing period unless the order or applicable law says otherwise.
Cancellation prevents the next renewal but does not, by itself, refund the current paid period.
Access may continue through the paid period, subject to account status, acceptable-use requirements, security restrictions, and the applicable agreement.
Customers should export any required data before the account’s applicable retention or deletion process begins.

A cancellation request is not complete merely because a customer closes a browser, removes a payment method, or stops using the service. Customers should retain the confirmation generated by the billing flow or request written confirmation from billing support.

3. General refund position

WorqNET does not provide routine refunds for a paid period after service access has begun. A refund, credit, or other remedy may be considered where this policy, the applicable contract, a payment correction, or mandatory law requires or permits it. Review is case-by-case and approval is not automatic.

4. Charges that are generally non-refundable

Subject to mandatory law and the applicable contract, the following are generally not refunded:

Time already consumed or a completed billing period.
A subscription that remains available to the customer through its paid period, even if the customer did not use it.
Promotional or discounted subscriptions, unless the promotion or law expressly provides otherwise.
Services suspended or terminated because of the customer’s breach, misuse, fraud, or violation of acceptable-use or security requirements.
Taxes, duties, withholding, intermediary-bank charges, or third-party charges that COSQ Network is legally unable to recover or return, except where the law requires otherwise.

This section does not limit a customer’s rights for a defective, deficient, misrepresented, or otherwise legally non-compliant service, or any cancellation or refund right that cannot lawfully be excluded.

5. Case-by-case refund and credit review

Billing support may review requests involving:

Duplicate or clearly erroneous charges.
An unauthorized payment report.
A payment captured after a confirmed cancellation.
A material service failure where COSQ Network elects to provide a remedy.
An unused future period where the billing team approves an exception.
Another circumstance requiring review under the customer’s contract or applicable law.

To request a review, email billing@worqnet.com with the account email, organization name, invoice or order number, transaction date, amount and currency, reason for the request, and supporting information. Never send a full card number, password, authentication code, or unnecessary sensitive information.

We aim to acknowledge a request within 10 business days and will explain the outcome or request additional information. The review timeframe may be affected by bank, payment-provider, fraud, tax, or cross-border checks. An acknowledgement is not an approval.

6. Refund method and timing

Approved refunds are returned through the original payment method where possible. A payment provider or bank may impose its own processing and settlement timeline. Currency conversion, intermediary-bank charges, and exchange-rate differences will be handled according to applicable law, the approved commercial decision, and the transaction terms.

Where required, COSQ Network may issue a credit note, debit-note correction, revised invoice, tax adjustment, or other accounting document. A refund will not be issued twice for the same transaction. Customers must cooperate with reasonable identity, payment ownership, tax, and transaction verification.

7. Failed payments and account status

If a recurring payment fails, Cashfree or another payment provider may retry the payment and send provider notices. COSQ Network may also notify the customer, begin the configured grace period, restrict new activity, place the organization into read-only status, suspend access, or cancel the subscription. Customers should update payment details or contact billing support promptly.

A failed payment is not a cancellation confirmation. Charges that were validly authorized before cancellation may remain due, subject to the pricing terms, contract, and applicable law.

8. Disputes and chargebacks

Customers should contact billing support before filing a chargeback where possible so that we can investigate and correct a genuine error quickly. A chargeback may cause access to be suspended while the payment and account are investigated. We may provide transaction records to the payment provider or financial institution as permitted by law.

Customers must not seek both a refund and a chargeback for the same transaction. If a payment-provider dispute has already been resolved, tell billing support so that any duplicate remedy can be avoided.

9. India and international customers

COSQ Network operates from India and sells WorqNET globally. The outcome of a cancellation or refund request may depend on the customer’s country, customer type, billing country, payment method, tax registration, place of supply, contract, and mandatory consumer or digital-services law.

Indian customers should review the applicable Consumer Protection Act, 2019, Consumer Protection (E-Commerce) Rules, 2020, GST and payment requirements, and any other mandatory protections. Customers outside India should review the laws that apply to the transaction in their location. This policy does not claim that refund rights are identical in India, the EU/EEA, the United Kingdom, the United States, or every other jurisdiction.

10. Statutory rights

Nothing in this policy limits rights that cannot lawfully be excluded under applicable law. Where a mandatory cooling-off, withdrawal, conformity, service-deficiency, consumer, payment, or other statutory remedy applies, it remains available to the extent required. A customer seeking to rely on a statutory right should identify the relevant country and basis in the request so that it can be assessed correctly.

11. Privacy and billing records

Refund requests and payment disputes may require us to process account, invoice, transaction, tax, communications, and payment-status information. We retain and disclose those records as described in our Privacy Policy, to process the request, comply with accounting or tax requirements, prevent fraud, resolve disputes, and establish or defend legal claims.

12. Contact details

COSQ Network Private Limited
Operator of WorqNET
Billing and refund requests: billing@worqnet.com
General support and sales: sales@worqnet.com

Registered business address, GSTIN, and any legally required grievance contact should be inserted after confirmation by the company and advisers. Do not publish placeholder details.

13. Changes to this policy

We may update this policy when our billing process, payment providers, products, contracts, or applicable laws change. The version and dates above will be updated, and material changes will be communicated through the applicable account, contract, or service channel where required.