Refund policy

This is a draft refund-policy template for SwarnRate and must be reviewed before launch.

TODO: Needs review before launch.

Billing

Add the final billing cycle, payment timing, tax treatment and invoice terms before launch.

Define which payments may be eligible for a refund, the time window, exclusions and how a request is assessed before launch.

Add the final refund contact method and expected response process before launch.

Reference material only; these links do not replace legal review or form the final policy.