REFUND, CANCELLATION & SUBSCRIPTION POLICY

1. INTRODUCTION

This Refund, Cancellation & Subscription Policy ("Policy") explains the terms governing purchases, subscriptions, cancellations, renewals, refunds, and billing for paid services offered by [INSERT LEGAL ENTITY NAME], a company incorporated under the Companies Act, 2013, operating under the brand "Aarog Health Records" ("Aarog", "Company", "we", "our", "us").

This Policy forms part of Aarog's legal framework and should be read together with the:

• Privacy Policy
• Terms & Conditions
• End User License Agreement (EULA)
• Account Deletion Policy
• Data Retention Policy
• Other applicable Aarog policies

2. APPLICABILITY

This Policy applies to:

• Individual Premium Plans
• Family Plans
• Business Plans
• Doctor Plans
• Hospital Plans
• Enterprise Plans
• Cloud Storage Plans
• AI Subscription Plans
• Future paid digital services offered by Aarog

unless expressly stated otherwise.

3. FREE SERVICES

Aarog may offer certain Services free of charge.

Free Services may be modified, limited, suspended, or discontinued at any time without compensation, subject to Applicable Law.

Use of free services does not create any right to future free access.

4. PAID SUBSCRIPTIONS

Paid subscriptions may provide additional features such as:

• increased storage;
• premium security features;
• enhanced family management;
• advanced document organization;
• AI-powered features (if introduced);
• priority customer support;
• additional integrations.

Subscription details, pricing, billing frequency, and included features will be displayed before purchase.

5. PRICING

All prices displayed by Aarog:

• are in the currency specified at checkout;
• may include or exclude applicable taxes as indicated during purchase;
• are subject to change for future purchases.

Price changes do not affect an active subscription already paid for unless otherwise permitted by Applicable Law or disclosed at renewal.

6. PAYMENT METHODS

Payments may be processed through authorized payment providers, including:

• Google Play Billing;
• Apple App Store In-App Purchases;
• UPI;
• Credit Cards;
• Debit Cards;
• Net Banking;
• Wallets;
• other approved payment gateways.

Payment processing is performed by the relevant payment provider. Aarog does not store full payment card details.

7. SUBSCRIPTION RENEWAL

Where applicable, subscriptions may renew automatically at the end of each billing cycle unless cancelled before the renewal date.

The applicable renewal terms and billing cycle will be disclosed before purchase.

Users remain responsible for managing subscription settings through the relevant payment platform where subscriptions are purchased through a third-party marketplace.

8. CANCELLATION OF SUBSCRIPTIONS

Users may cancel future renewals of their subscription at any time through:

• the Aarog account settings (where available); or
• the relevant app marketplace or payment provider.

Cancellation prevents future billing but does not automatically generate a refund for the current billing period unless required by Applicable Law or expressly stated in this Policy.

Access to paid features generally continues until the end of the already-paid subscription period unless otherwise specified.

9. REFUND ELIGIBILITY

Refund requests will be considered in accordance with this Policy, Applicable Law, and the terms of the payment platform through which the purchase was made.

Refunds may be considered in situations such as:

• duplicate payments;
• accidental multiple purchases;
• billing errors attributable to Aarog;
• unauthorized charges that are verified;
• purchases where the paid service could not be provided due to a confirmed technical issue attributable to Aarog.

Each request will be reviewed individually.

10. REFUNDS THAT MAY NOT BE AVAILABLE

Subject to Applicable Law, refunds may not be available where:

• the subscription period has substantially been used;
• the User changes their mind after purchase;
• the User no longer wishes to use the Services;
• the User purchased the wrong plan despite clear pricing and descriptions;
• the User failed to cancel an automatically renewing subscription before renewal;
• the User violated the Terms & Conditions, resulting in account suspension or termination;
• the issue arises from the User's device, internet connection, or third-party service not controlled by Aarog.

Nothing in this Policy limits any non-excludable rights available under Applicable Law.

11. GOOGLE PLAY PURCHASES

Subscriptions purchased through Google Play are generally governed by Google Play's billing and refund policies.

Where Google is the merchant of record, refund requests may need to be submitted through Google Play in accordance with its applicable procedures.

Aarog will cooperate where reasonably necessary but cannot guarantee that Google will approve a refund.

12. APPLE APP STORE PURCHASES

Subscriptions purchased through the Apple App Store are generally governed by Apple's billing and refund policies.

Where Apple is the merchant of record, Users may need to request refunds directly through Apple.

Aarog cannot approve or reject refunds processed exclusively by Apple.

13. PAYMENT FAILURES

If a payment cannot be successfully processed:

• subscription renewal may fail;
• premium features may be suspended or downgraded;
• access to certain Services may be limited until payment is successfully completed.

Aarog may attempt to notify the User regarding failed payments.

14. PROMOTIONAL OFFERS

Aarog may offer:

• free trials;
• introductory pricing;
• promotional discounts;
• coupon codes;
• referral benefits.

Unless expressly stated otherwise, promotional offers:

• cannot be exchanged for cash;
• cannot be transferred;
• may be withdrawn or modified;
• may be subject to additional eligibility conditions.

15. FRAUD PREVENTION

Aarog reserves the right to:

• investigate suspicious transactions;
• suspend premium access;
• refuse refunds;
• cancel subscriptions,

where there is a reasonable belief of fraud, abuse, chargeback misuse, or violation of applicable policies.

Any action taken will be consistent with Applicable Law.

16. GST AND TAXES

Where applicable, Goods and Services Tax (GST) or other applicable taxes will be charged in accordance with Indian law.

Tax invoices will be provided where required by law.

Users are responsible for providing accurate billing information.

17. CHANGES TO PLANS

Aarog may modify subscription plans, pricing, or included features for future billing cycles.

Where required by Applicable Law or marketplace rules, Users will be informed of material changes before they take effect.

18. TERMINATION OF PAID SERVICES

If Aarog permanently discontinues a paid Service, it will make reasonable efforts to notify affected Users.

Where appropriate and required by Applicable Law, Aarog may provide:

• a prorated refund;
• service credits; or
• another reasonable remedy,

taking into account the circumstances of the discontinuation.

19. CONTACT FOR BILLING QUESTIONS

Questions relating to subscriptions, payments, or refunds may be submitted through Aarog's official support channels.

Where purchases are processed through a third-party marketplace, Users may also need to contact that marketplace.

20. CHANGES TO THIS POLICY

Aarog may amend this Policy to reflect:

• changes in Applicable Law;
• payment provider requirements;
• subscription models;
• business operations.

Material changes will be communicated where required.

21. USER ACKNOWLEDGEMENT

By purchasing or subscribing to any paid Aarog Service, you acknowledge that:

• You have read and understood this Refund, Cancellation & Subscription Policy.
• You understand the applicable pricing, billing cycle, and renewal terms before purchase.
• You understand how to cancel future renewals.
• You understand that refund eligibility depends on this Policy, Applicable Law, and, where applicable, the policies of the payment platform through which the purchase was made.
• You understand that deleting your Aarog account does not automatically cancel a subscription purchased through Google Play, the Apple App Store, or another payment provider.