Finwise

Refund Policy

Last updated: 12 August 2026

This policy explains how cancellations and refund requests work for Finwise subscriptions provided by Lokesh M. Subscriptions are processed by Razorpay for customers billed in India and by PayPal for customers billed outside India.

1. Plans this policy covers

Free — no charge, so there is nothing to refund.
Lite — $5 / month or $48 / year internationally; ₹399 / month or ₹3,830 / year in India
Pro — $9 / month or $86.40 / year internationally; ₹749 / month or ₹7,190 / year in India
Family — $19 / month or $182.40 / year internationally; ₹1,499 / month or ₹14,390 / year in India. Includes up to 4 users

Annual billing equals the monthly price for twelve months less 20%, so an annual plan saves 20% versus paying monthly for a year. Prices exclude any applicable sales tax, GST or VAT calculated at checkout. There is no free trial of the paid plans — the free tier is available for as long as you want it.

2. 30-day refund request window

You may submit a refund request within 30 days of your first subscription payment. The window is calculated from the date that first payment was recorded for your subscription.

Submitting a request does not automatically issue a refund. Each request is reviewed by us, and any refund that we approve is issued back to your original payment method through Razorpay or PayPal — typically within 5–10 business days depending on your bank, card issuer or PayPal balance. After the 30-day window closes, the refund request option is disabled in the app.

3. Renewals after the refund window

Subscriptions renew automatically each month or each year, depending on the cycle you chose. Renewal payments made after the 30-day window are generally not refundable, so cancel before your next renewal date if you no longer want the plan. If you were charged in error — for example a duplicate charge, or a renewal after a successful cancellation — contact us and we will review it and correct the charge.

4. How to request a refund

Open Settings → Plan & billing in Finwise and choose Request refund. You will be asked for a short reason, and we record the request together with your subscription, plan, billing cycle, amount and payment provider reference. Only one open request is allowed per subscription.

If you cannot access the app, email support@usefinwiseai.com from your registered address with your payment reference. We aim to acknowledge refund requests within 2 business days.

5. How to cancel

Cancel at any time from Settings → Plan & billing using Cancel subscription. We show a confirmation dialog explaining what happens, then stop the recurring subscription with Razorpay or PayPal. No phone call or written notice is required, and you will not be charged again after a successful cancellation.

6. What happens after you cancel

Cancelling stops all future renewals. Your paid features stay active until the end of the billing period you have already paid for, and the app shows your subscription as cancelling at the end of that period. Your account then moves to the free tier automatically. Your accounts, transactions, budgets, bills, goals, investments and other records are never deleted because of a cancellation — you keep access to them and can export your transactions to CSV at any time. If you also want your account and data deleted, see the Privacy Notice.

7. If a payment fails

If a recurring payment fails, your provider may retry it and the app will show a billing notice with the action needed to update your payment method. We do not delete your account or your financial data because of a failed payment. Your subscription status in Finwise always reflects what the payment provider has confirmed.

8. Your statutory rights

This policy sits alongside any refund or cancellation rights you have under the consumer law of your country, and does not limit them. Razorpay's and PayPal's own terms also apply to the processing of your payment.

9. Help and contact

If something is not working or you are unsure which plan you are on, email support@usefinwiseai.com before cancelling — most issues are quicker to fix than to refund. See also our Terms of Service and Privacy Notice.