Refund & Cancellation Policy

1. Nature of Our Services

Our offerings are professional and service-based (e.g., business registration, tax filings, compliance, documentation support), not physical goods. Refund eligibility therefore depends on the stage of work and the type of charges involved. Please read carefully.

2. Components of Your Payment

A typical order includes some or all of:

• Accto platform / service fees — our charges for facilitation, technology, documentation, and administrative support.
• Advisor professional fees — charges of the independent professional (CA, CS, advocate, etc.) for the professional work they perform.
• Government fees and statutory charges — amounts payable to authorities (e.g., MCA, GST portal, trademark registry, stamp duty).

Government fees, statutory charges, and Advisor professional fees, once paid to the relevant authority or Advisor, are non-refundable, as they are outside our control and not retained by us. Only the Accto platform/service fee is potentially refundable, and only as set out below.

3. Cancellation

3.1 You may request cancellation by writing to support@accto.in with your order details.

3.2 Before work has commenced: If you cancel before we have started work and before any government/third-party fees have been incurred, you are eligible for a refund of the professional/service fee, less any non-refundable payment-gateway charges.

3.3 After work has commenced: If work has begun, we may retain a portion of the professional/service fee proportionate to the work completed and resources committed. The balance, if any, will be refunded.

3.4 After filing/submission to an authority: Once an application or document has been filed or submitted to a government authority, the professional/service fee for that stage and all government/third-party fees are non-refundable, as the service has been substantially performed.

4. When Refunds Are Available

You may be eligible for a refund of the professional/service fee where:

• you cancelled before work commenced (Section 3.2); or
• we are unable to deliver the service due to reasons solely attributable to us; or
• a duplicate payment or a clear billing error occurred.

5. When Refunds Are NOT Available

Refunds are not available where:

• the service has been fully or substantially performed;
• the application has been filed/submitted to an authority;
• rejection, delay, or additional requirements arise from the government authority, changes in law, or factors outside our control (we will, where reasonable, assist with re-submission per the engagement scope);
• the issue arises from inaccurate, incomplete, delayed, forged, or misleading information or documents provided by you;
• you failed to provide required cooperation, documents, or approvals within a reasonable time;
• government fees, statutory charges, or third-party/professional fees have already been paid out;
• the order was a discounted, promotional, or bundled package marked non-refundable at the time of purchase.

We do not guarantee any particular statutory outcome (such as approval of a registration or grant of a trademark). Such outcomes are decided by the relevant authority, and an unfavourable outcome is not, by itself, a ground for refund.

6. How to Request a Refund

Send a refund request to support@accto.in within 24 hrs of the relevant transaction, including your order ID, registered email, and reason for the request. We may ask for additional information to process it.

7. Processing of Approved Refunds

Approved refunds will be made to the original payment method within 7 business days of approval (subject to payment-gateway and banking timelines). Payment-gateway transaction charges, where non-refundable, may be deducted.

8. Chargebacks

If you initiate a chargeback or payment dispute without first contacting us to resolve the issue, we reserve the right to suspend services and respond to the dispute with relevant records.

9. Changes to This Policy

We may update this Policy from time to time. The revised version will be posted on the Platform with an updated "Last updated" date and will apply to orders placed thereafter.

10. Contact

For cancellations, refunds, or questions:

Accto Business Solutions Private Limited

Email: support@accto.in

Address: Second Floor, Part-B, Plot No. W-771, D-Sector, Anna Nagar Western Extension, Ambattur, Chennai, Tamil Nadu, India - 600101

Phone: +91 8248324886