Lumio Leads

Refund Policy

Last updated: May 2026

At Lumio Leads, we want you to be satisfied with our service. This Refund Policy outlines the conditions under which refunds are issued for subscription payments made through our platform. This policy is compliant with PhonePe and Razorpay's refund guidelines and applicable Indian consumer protection laws.

1. 7-Day Refund Policy

We offer a 7-day money-back guarantee on all new subscription purchases. If you are not satisfied with the Service for any reason, you may request a full refund within 7 calendar days from the date of your initial purchase.

Eligibility Criteria:

  • Request must be made within 7 days of purchase
  • Applies to first-time purchases only (not renewals or upgrades)
  • No more than 50 lead credits should have been consumed
  • Account must not have been suspended for Terms of Service violations

2. How to Request a Refund

To request a refund, please follow these steps:

  1. Email us at billing@lumioleads.in with the subject line "Refund Request — [Your Agency Name]"
  2. Include your registered email address and agency name
  3. Provide your PhonePe or Razorpay Payment ID (found in your payment receipt/email)
  4. Briefly describe the reason for the refund request

Our team will review your request and respond within 2 business days. Approved refunds will be processed within 5–7 business days.

3. Refund Process (PhonePe & Razorpay)

All payments and refunds are processed through PhonePe or Razorpay Payment Gateway. Here is how the refund process works:

Step 1: Verification

We verify your purchase details and eligibility for refund.

Step 2: Initiation

Approved refunds are initiated via PhonePe or Razorpay's refund API to the original payment method.

Step 3: Processing

Refunds typically take 5–7 business days to reflect in your bank account or credit card statement, depending on your bank's processing time.

Note: Payment gateways may deduct applicable charges (up to 2%) from the refund amount in case of international cards or certain bank-specific charges.

4. Non-Refundable Items

The following are NOT eligible for refunds:

  • Subscription renewals (after the 7-day initial purchase window)
  • Plan upgrades or downgrades (prorated credits are applied instead)
  • Additional credit purchases (consumed credits are non-refundable)
  • Accounts suspended or terminated for Terms of Service violations
  • Refund requests made after the 7-day window
  • Accounts where more than 50 lead credits have been consumed

5. Subscription Cancellation

You may cancel your subscription at any time from your account Settings page or by emailing us at billing@lumioleads.in.

  • Upon cancellation, your subscription remains active until the end of the current billing period
  • No further charges will be applied after cancellation
  • Cancellation is not the same as a refund — the 7-day refund policy applies separately
  • Your data is retained for 30 days after cancellation, after which it is permanently deleted

6. Disputes

If you believe you have been incorrectly charged or your refund was not processed, please contact us first at billing@lumioleads.in. We will investigate and resolve the issue promptly. If the dispute remains unresolved, you may escalate it to the payment gateway's dispute resolution mechanism or approach the appropriate consumer forum under Indian law.

7. Contact Us

Lumio Leads — Billing Support

Email: billing@lumioleads.in

Support: support@lumioleads.in

This Refund Policy is compliant with PhonePe and Razorpay's seller refund guidelines and the Consumer Protection Act, 2019.