Subscription & Refund Policy

• • Free Forever (₹0): Log up to 50 transactions per month, create 1 family group (up to 3 members), utilize up to 50MB of My Proofs document storage, and view banner advertisements.
• • Personal Premium (₹9/month or ₹99/year): Access unlimited transactions, automated on-device SMS parsing drafts, smart savings & budget goal monitors, 5GB of proofs storage, an ad-free experience, and priority support.
• • Family Premium (₹29/month or ₹299/year): Full household access for unlimited family members, unlimited groups, shared bookkeeping & settlements, 20GB proofs storage, live family safety tracking, and an ad-free experience.

• • Google Play Store Purchases: Mobile subscriptions initiated inside the Android app are processed securely through Google Play Store Billing.
• • Web Purchases: Premium subscriptions purchased through the MS Family website (https://xpool.info) are processed securely via Razorpay payment gateway.
• • Payment Security: Payment processors are PCI DSS compliant. MS Family does not store your credit card or bank account details directly.
• • Currency: All prices are listed in Indian Rupees (₹). Applicable taxes may apply based on your jurisdiction.

If your payment fails or your subscription expires, your account reverts to the Free Plan. No data is deleted; however, you will be restricted from adding new transactions or uploading files if your usage exceeds Free plan limits. Advertisements will be re-enabled.

• • Web Purchases: We offer a full refund within 14 days of your first premium purchase made via the web portal. Contact us at velgo7686@gmail.com or https://xpool.info/support with your registered email and order details.
• • Google Play In-App Purchases: Refunds for purchases made through Google Play Billing are governed directly by Google Play refund policies and can be requested through your Google Play Account order history.
• • Processing Time: Approved web refunds are processed back to the original payment method within 5 to 7 business days.
• • Exclusions: Refunds are not available for subscription renewals or if the account has been suspended for Terms of Service violations.

You can cancel your subscription at any time. Cancellation turns off auto-renewal for the next billing cycle. Premium status remains active on your profile until the end of your prepaid period.