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Legal

Refund & Cancellation Policy

Effective 3 September 2026  ·  Last updated 3 September 2026

A 7-day refund window with a genuine reason, a one-time purchase you never have to cancel, and a plain account of what falls outside the policy.

01The policy in one paragraph

Summary

You may request a refund of your Rivu purchase within 7 calendar days of payment, provided you tell us the genuine reason the product did not work for you. Approved refunds are returned to the original payment method within 5–7 business days of approval. Because Rivu is a one-time purchase with no recurring billing, there is nothing to cancel — you will never be charged again.

02Why we ask for a reason

Rivu is a digital product delivered instantly, so we cannot take it back the way a physical seller can. We would still rather give your money back than keep it if the tool genuinely did not do what you expected.

Asking for a reason is not a hurdle designed to make refunds difficult. It exists because we are a small operation and your reason is the most useful product feedback we get. A sentence or two is enough. We do not require proof, screenshots or a justification you have to argue for.

03How to request a refund

Step 1

Email support@rivu.in with the subject line "Refund request".

Step 2

Include the email address you purchased with, your Razorpay payment or order ID, and the date of purchase.

Step 3

Tell us in a sentence or two what did not work for you.

Step 4

We acknowledge within 2 business days and confirm the outcome within 5 business days of your request.

Once a refund is approved, we initiate it immediately. It reaches your original payment method — card, UPI, net banking or wallet — within 5–7 business days, depending on your bank or payment provider. We do not control that final leg; if it has not arrived after 10 business days, write to us and we will chase it with the gateway on your behalf.

Refunds are always returned to the original payment method. We cannot refund to a different card, account or UPI ID.

04Reasons we will refund

These are examples, not an exhaustive list. If your situation is not here but is genuine, tell us anyway.

  • The tool does not run correctly in a supported desktop browser and we could not fix it for you.
  • A calculation is producing results that are clearly wrong and we cannot resolve it.
  • The product turned out not to do what the sales page led you to expect.
  • You could not use it because of the desktop-only requirement, and this was not clear to you at purchase.
  • You were charged twice, or charged in error.

05When a refund will not be issued

To be straightforward with you about the limits:

  • After 7 calendar days from the date of payment. This window is firm; please decide within it.
  • Where no reason is given. A request that simply asks for money back with no explanation falls outside this policy.
  • Because you disagreed with the result. Rivu's job is to show you the arithmetic of your own inputs honestly. If the answer is uncomfortable, the tool worked — that is what you bought it to find out.
  • Because your assumptions produced an unexpected number. Return, inflation and allocation figures are yours to set and change.
  • Because you lost your plan data after clearing your browser, switching devices or using private browsing. This is disclosed before purchase, at purchase, and again at first use.
  • Where the licence has been shared, resold or used to provide services to third parties, or where these Terms have otherwise been materially breached.
  • On the free guide — "The Goal Affordability Check" costs nothing, so there is nothing to refund.

06Cancellation

Rivu is a one-time purchase. There is no subscription, no auto-renewal and no stored mandate, so there is no recurring payment to cancel and no risk of being billed again.

You may stop using the Service or ask us to close your account at any time by writing to support@rivu.in. Closing your account after the 7-day window does not entitle you to a refund. Deleting your plan data is entirely in your hands — it sits in your browser, not with us.

07Chargebacks

If you have a problem, please write to us first. We would much rather resolve it directly and quickly than have you raise a dispute with your bank, which takes weeks for both of us and gives you a slower outcome.

Where a chargeback is raised without contacting us first, we will provide the payment gateway with the purchase and access records, and we may suspend account access until the dispute is resolved.

08Questions

Anything unclear about this policy, or unsure whether your situation qualifies — just ask before you buy. Email support@rivu.in or see the Contact page. We would rather answer a question up front than process a refund later.