Refund Policy

Introduction

Thank you for choosing Corenexis. This Refund Policy explains how payments, platform credits, subscriptions, and refunds work across all Corenexis products, including our API platform and Cashly.

All Corenexis products are accessed through a single account created at accounts.corenexis.com. Billing for the API platform is managed at dash.corenexis.com using our prepaid platform credit system (CN Coins). Cashly runs on its own separate subscription billing.

Please read this policy carefully. In summary: CN Coins are a prepaid digital platform token and are strictly non-refundable once deposited, and Cashly subscription fees are non-refundable once a billing period has begun. The narrow exceptions — failed transactions, duplicate charges, and payment errors — are set out below.

1. Platform Credit System Overview

Corenexis operates a prepaid platform credit system that lets you access paid services across the Corenexis ecosystem. Platform credits are the payment unit for the API platform and are managed from your dashboard at dash.corenexis.com.

What Are CN Coins?

Platform credits are called CN Coins. Each CN Coin has a platform value of 1 USD. CN Coins are a prepaid digital platform token — they are not real currency, legal tender, e-money, stored value, a security, a cryptocurrency, or a bank deposit. They can only be used inside the Corenexis platform. The price you pay in your local currency is determined by country-specific pricing and may vary.

Key Features

• Centralised billing: manage all billing from dash.corenexis.com
• USD-pegged: 1 CN Coin = 1 USD in platform value
• Real-time tracking: monitor balance, transaction history, and API usage live
• Autopay control: choose whether renewals deduct automatically from your balance
• Transparent transactions: full visibility of every deposit, deduction, and status

Important Credit Policies

• Once CN Coins are successfully deposited into your account, they are strictly non-refundable
• CN Coins cannot be withdrawn, cashed out, converted back to money, or transferred to another account or user
• The local currency cost may vary based on country-specific pricing and exchange rates
• CN Coins do not expire under normal circumstances
• All transactions and balance changes are logged and available in your dashboard
• CN Coins may become usable across additional Corenexis products in the future

2. Depositing CN Coins

You deposit CN Coins through the dashboard at dash.corenexis.com using the payment gateway supported in your region.

How to Deposit

1. Sign in to your Corenexis account and open dash.corenexis.com
2. Go to the Credits or Add Funds section
3. Select the number of CN Coins you wish to deposit
4. Review the displayed price in your local currency, including any applicable taxes
5. Complete the payment through the secure payment gateway
6. On successful payment, credits are added to your balance instantly
7. A confirmation email is sent to your registered email address

Pricing Transparency

Before you confirm any deposit, the dashboard clearly displays:

• The number of CN Coins being deposited
• The exact amount payable in your local currency
• Any applicable taxes or gateway charges

By confirming a deposit, you acknowledge that you have read and accepted this Refund Policy, including the fact that deposited CN Coins are non-refundable.

After a Successful Deposit

• Credits are immediately reflected in your account balance
• You receive a confirmation by email and on your dashboard
• Transaction details are recorded in your transaction history
• Your credits are ready to use for API subscriptions and usage

3. Payment Gateways and Processing

Corenexis uses regional payment gateways so that customers can pay through the methods most convenient in their country.

Supported Gateways

• Paddle — used for global and international payments. Paddle acts as the Merchant of Record for these transactions, which means Paddle is the seller of record, handles tax collection and remittance, and may appear on your bank or card statement instead of Corenexis
• Razorpay — used for Indian customers, supporting credit and debit cards, UPI, net banking, and digital wallets
• Additional gateways may be shown on the dashboard depending on your region at the time of payment

Paddle Transactions

Where your payment was processed by Paddle as Merchant of Record, refund handling for genuine payment errors follows Paddle's process in addition to this policy. Paddle may contact you directly regarding a refund, and refunds are returned via Paddle to your original payment method. This does not change the non-refundable nature of CN Coins once they have been successfully deposited into your account.

Payment Security

All payment processing is handled entirely by our authorised payment gateways. Corenexis does not store or process card numbers, banking credentials, or sensitive payment information on our own servers. Payment data is managed by the respective gateway in accordance with applicable security and compliance standards, including PCI DSS where applicable.

• SSL/TLS encryption for all data transmission
• OTP and two-factor authentication where supported by your payment method
• Real-time fraud detection and prevention
• Tokenisation of payment credentials by the gateway

4. Credit Usage and Autopay

Once CN Coins are in your account, they are used to subscribe to and run API services on api.corenexis.com.

What Credits Are Used For

• Subscribing to API plans from the dashboard
• Automatic renewal of active API subscriptions
• Pay-as-you-go API usage charges
• Upgrading or modifying existing API plans

When you subscribe to an API, Corenexis automatically deducts the plan cost from your available credit balance and activates the subscription.

Autopay

Autopay determines whether your CN Coin balance is charged automatically for renewals and ongoing usage. You can enable or disable it at any time from dash.corenexis.com.

• Autopay enabled: active subscriptions and usage charges are deducted automatically from your balance on the due date, so your services keep running without interruption
• Autopay disabled: no CN Coins will be charged automatically. Subscriptions will not auto-renew and may lapse, pause, or be cancelled on the renewal date unless you renew manually
• Disabling autopay does not cancel a subscription for a period already paid for, and does not refund credits already deducted
• Low balance and upcoming renewal notifications are sent to your registered email address

Exception — Recoveries, Disputes and Fraud

Disabling autopay does not stop Corenexis from debiting your CN Coin balance where a correction or recovery is required. Regardless of your autopay setting, we may deduct from your balance in cases including:

• A chargeback, payment dispute, or reversal filed against a prior deposit
• A fraudulent, unauthorised, or reversed payment transaction
• Credits added in error due to a technical or gateway fault
• Recovery of any amount owed to Corenexis under our Terms of Service

If your balance is insufficient to cover such a recovery, your account may be suspended until the matter is resolved.

Non-Refundable Nature of CN Coins

Important: Once CN Coins are successfully deposited into your account, they are strictly non-refundable. CN Coins are a digital platform token; we do not provide refunds on deposited credits, on unused balances, or on credits already spent. Credits cannot be converted to cash, withdrawn, or transferred. The only exceptions are:

• Payment was taken but credits were never added to your account
• Duplicate charges caused by a technical or gateway error
• Legal requirements or a valid order from a competent authority
• Extraordinary circumstances assessed individually by Corenexis at our sole discretion

5. Cashly Subscription Billing

Cashly (cashly.corenexis.com) is our expense tracking product, currently available exclusively to users in India. Cashly uses its own subscription billing and does not use CN Coins.

Plans and Pricing

• Cashly monthly plans start from ₹49 per month
• Current pricing and plan inclusions are displayed on the Cashly platform
• Subscriptions are billed at the start of each billing cycle to your saved payment method

Free Trial and Automatic Conversion

Please read this carefully before starting a trial.

• Cashly may offer a free trial to new users
• When the trial period ends, your subscription automatically converts to a paid monthly plan and your payment method is charged
• The plan and price that will apply after the trial are shown before the trial begins
• To avoid being charged, you must cancel before the trial ends
• Once the trial has converted and the charge has been taken, that billing period is non-refundable
• Forgetting to cancel, or not noticing the trial end date, is not grounds for a refund

Where to Manage Billing — Web App Only

Important: All Cashly billing actions must be performed in the browser web app at cashly.corenexis.com.

• The Cashly Android app does not include billing management. You cannot subscribe, change plans, update payment details, or cancel from inside the Android app
• Cancelling a trial or subscription must be done through the web app in a browser
• Being unable to find a cancellation option inside the Android app is not a valid basis for a refund, as billing management is clearly provided on the web app

Cashly Refund Rules

• Subscription fees already billed, and for which access has been provided, are non-refundable
• No pro-rated refunds are given for unused days in a billing period after cancellation
• If you were charged in error due to a technical fault — for example, charged after a cancellation was confirmed — contact support within 7 business days for review
• Approved billing-error refunds are returned to your original payment method within 7–14 business days of verification

Cancellation

You may cancel at any time from the Cashly web app. Cancellation stops future billing but does not refund the current period. You keep access until the end of the current paid period, after which your account reverts to the free tier or is deactivated depending on your plan.

6. Refund Eligibility

CN Coins are non-refundable once successfully deposited, and Cashly fees are non-refundable once a billing period has begun. The situations below are the exceptions where a refund to your original payment method may be issued.

Situations Eligible for a Refund

Payment Taken, Credits Not Added

If your payment method was charged but CN Coins were not added to your account:

• The gateway automatically initiates a refund in most cases
• Refunds are typically processed within 5–7 business days
• You can track the status in your dashboard transaction history
• If unresolved after 7 business days, contact our support team

Failed Transactions

• Any temporarily held or debited amount is automatically released or refunded by the gateway
• Most refunds are initiated immediately on transaction failure
• Depending on your bank or method, the refund may take 3–7 business days to reflect

Expired Payment Sessions

• Payments captured after a session expired cannot be applied to your account
• An automatic refund is initiated by the gateway
• You should start a fresh payment session to deposit credits successfully

Duplicate Charges

• Only one transaction will result in a credit deposit
• Duplicate charges are identified and refunded within 5–7 business days

Cashly Billing Errors

• Charged after a cancellation was confirmed by the system
• Charged an incorrect amount due to a technical fault
• Charged more than once for the same billing period

Situations NOT Eligible for a Refund

• CN Coins already successfully deposited into your account
• Unused CN Coin balance sitting in your account
• CN Coins already spent on API subscriptions or usage
• Services already delivered, accessed, or consumed
• Change of mind after a successful deposit
• Overestimating how many credits you needed
• Cashly fees for a billing period that has already started
• A Cashly trial that converted to a paid plan because you did not cancel in time
• Any balance or subscription lost due to suspension or termination for a policy violation

7. Automatic Refunds

Our payment gateways handle refunds automatically in certain scenarios, with no action needed from you.

Transaction Failures

• The gateway identifies the failure immediately
• Any temporarily held or debited amount is automatically released
• The refund is initiated without any action from you
• Status appears as Processing or Initiated in your dashboard

Payment Session Expiry

• An automatic refund is triggered if payment is captured for an expired session
• The amount is returned to your original payment method
• Status updates are visible in your transaction history

Gateway Errors

• Technical errors that prevent credits from being added trigger an automatic refund
• Standard timelines apply (5–7 business days)

Tracking Automatic Refunds

• Dashboard transaction history: view all statuses including pending refunds
• Email notifications: updates when refunds are initiated and completed

Refund Not Received?

If your refund shows as Completed but you have not received the amount within 5–7 business days:

• Check with your bank or payment provider first
• Contact support with your transaction ID and payment details
• Further investigation may take an additional 7–10 business days

8. Refund Request Process

Where a manual refund request is needed, follow the process below.

When to Submit a Request

• Payment was deducted but credits were not added after 7 business days
• No automatic refund was initiated despite a transaction failure
• You believe you were charged incorrectly
• Duplicate charges that were not automatically refunded
• A Cashly billing error, such as a charge after confirmed cancellation

Step 1: Gather Required Information

• Your Corenexis account email
• Transaction ID or reference number
• Payment date, time, and amount
• Payment method and gateway used (Paddle or Razorpay)
• Screenshot of the payment confirmation from your bank or payment app
• Screenshot of your dashboard showing credits were not received, if applicable

Step 2: Contact Support

• Email: [email protected]
• Support Page: https://helpdesk.corenexis.com
• Dashboard support: submit a ticket through dash.corenexis.com

Step 3: Investigation

• Acknowledgment: within 24 hours on business days
• Investigation: 2–3 business days
• Gateway verification: we verify the transaction with Paddle or Razorpay as applicable
• Updates: status updates are sent to your registered email

Step 4: Resolution

• Refund to original payment method where payment was taken but credits were not added
• Credit addition where payment succeeded but credits were not applied due to a system error
• Explanation where the transaction is found to have processed correctly and no refund is due

9. Refund Processing Timelines

Automatic Refund Timelines

Manual Refund Request Timelines

Timelines by Payment Method

• Credit/Debit Cards: 5–7 business days after initiation
• UPI / Digital Wallets: 3–5 business days after initiation
• Net Banking: 5–7 business days after initiation
• International Cards (via Paddle): 7–10 business days after initiation

Important Notes

• Business days exclude weekends and public holidays
• Bank processing times vary and are outside our control
• Refunds are processed in the same amount and currency as the original payment
• You will receive email notifications at key stages of the process

10. Failed and Expired Transactions

When a payment fails or a session expires, no CN Coins are added to your account.

Immediate Actions

• The transaction is marked Failed in your dashboard history
• No credits are added to your account
• Any temporarily blocked or debited amount is automatically refunded by the gateway
• You receive an instant notification
• You can retry the payment immediately

Common Reasons for Failure

• Insufficient balance in your bank account or card
• Card declined by the issuing bank
• Payment or transaction limit exceeded
• Incorrect OTP or authentication failure
• Network connectivity issues during payment
• Temporary bank or gateway downtime

Expired Payment Sessions

Payment sessions are valid for a limited period for security reasons. If payment completes after the session expires:

• The payment cannot be applied to your account
• An automatic refund is triggered by the gateway
• You should start a new payment session
• Complete payment within the displayed time window (typically 15–30 minutes)

11. Unknown and Unauthorised Payments

Important: CN Coins will NOT be added for payments made through unknown, unverified, or unofficial channels. All payments must go through the official payment flow on dash.corenexis.com.

What Counts as an Unknown Payment

• Direct bank transfers not processed through our payment gateway
• Payments made from unregistered or unverified payment methods
• Any payment not initiated through the official dashboard flow
• Payments from third-party accounts not linked to your Corenexis profile

Resolution

If you made a payment outside official channels by mistake, contact support within 7 business days with your account email, transaction reference, payment amount, date and method, proof of payment, and an explanation. Resolution typically takes 7–14 business days after verification.

Unauthorised Payment on Your Account

If you notice an unauthorised payment:

• Contact our support team immediately
• Change your password and enable two-factor authentication
• Inform your bank or card issuer
• Genuine unauthorised charges will be refunded after verification

12. Platform Credit Deductions

Normal Deductions

• New API subscriptions: deducted at the time you subscribe
• Subscription renewals: deducted automatically on the renewal date when autopay is enabled
• Pay-per-use charges: deducted based on actual usage
• Plan upgrades: pro-rated or full charge depending on the plan

Special Circumstance Deductions

These may occur even when autopay is disabled:

Chargeback Cases

• If you file a chargeback after credits have been deposited, the equivalent credit amount will be deducted from your account
• If your balance is insufficient, your account may be suspended until the matter is resolved

Fraudulent or Reversed Transactions

• Where a deposit is later found to be fraudulent, unauthorised, or reversed by the gateway, the corresponding credits will be removed from your balance
• Related services may be suspended pending investigation

Error Corrections

• If credits were added incorrectly due to a technical error, we may adjust your balance
• You will be notified before a correction is applied where practicable
• You may dispute a correction through our support team

Disputing a Deduction

If you believe a deduction was incorrect, contact support within 7 days with your account and transaction details. We will investigate and respond within 3–5 business days. If the deduction was incorrect, the amount will be re-credited to your account.

13. Non-Refundable Situations

Deposited CN Coins

Most important: CN Coins are a prepaid digital platform token. Once successfully deposited, they are non-refundable under all normal circumstances. This includes:

• Credits currently showing in your account balance
• Credits that have not yet been used
• Credits granted through promotions, vouchers, or issued by Corenexis
• Any amount successfully processed and credited

Services Already Delivered

• API calls already made and processed
• Active subscriptions currently in use
• Completed billing cycles
• Cashly fees for active or past billing periods

Change of Mind

• Deciding not to use the service after depositing credits
• Finding an alternative provider
• No longer needing the service
• Overestimating your credit requirements

Trial and Cancellation Timing

• A Cashly trial that converted to a paid plan because it was not cancelled before the trial ended
• Not cancelling a subscription before the renewal date
• Assuming billing could be cancelled from the Cashly Android app, when billing management is available on the web app

Policy Violations

• Accounts suspended or terminated for violating our Terms of Service
• Remaining credits at the time of termination are forfeited

14. API Services and Subscriptions

API services are listed at api.corenexis.com, each with its own pricing. You subscribe using your CN Coin balance from dash.corenexis.com.

Subscription-Based Plans

• Subscriptions are charged from your credit balance at the start of each billing cycle
• Active subscriptions auto-renew when autopay is enabled, unless cancelled
• You can cancel at any time; access continues to the end of the current paid period
• No pro-rated refunds for unused time within a billing period
• Credits deducted for completed billing cycles are non-refundable

Pay-As-You-Go Usage

• Charged based on actual API calls and consumption
• Deducted from your credit balance
• No refunds for API calls already processed
• Detailed usage reports are available in your dashboard

Service Interruptions

• Planned maintenance: advance notice provided where possible; no automatic credits issued
• Unplanned outages: service credits may be issued for extended downtime at our discretion. Service credits are added to your CN Coin balance and are not paid out in cash

15. Suspension, Termination and Forfeiture

Corenexis operates automated abuse detection across our Services. Where abuse or prohibited content is detected, services may be suspended temporarily or permanently, automatically and without prior notice, as set out in our Terms of Service.

Effect on Credits and Subscriptions

• Temporary suspension: API access is paused during investigation. Credits remain in your account. Subscription time lost during a suspension that is later found to be in error may be extended or credited at our discretion
• Permanent suspension or termination for a violation: all active subscriptions are cancelled and any remaining CN Coin balance is forfeited in full with no refund
• Amounts already paid for the current period are not refunded where termination results from a violation

Serious Violations

For the most serious violations — including child sexual abuse material — termination is immediate and permanent, no data export or backup is provided, the remaining balance is forfeited in full, and the decision is final and non-negotiable with no refund, appeal, or reinstatement. Relevant records are preserved and reported to law enforcement and the appropriate authorities. Full details are set out in our Terms of Service.

Chargebacks After Termination

Filing a chargeback in response to an enforcement action does not reverse the enforcement decision and will be contested with the payment gateway using our records of the violation.

16. Chargebacks and Disputes

A chargeback occurs when you dispute a transaction directly with your bank or card issuer. Filing a chargeback has serious consequences for your Corenexis account.

Impact of a Chargeback

• Credit deduction: if credits were already deposited, the equivalent amount is deducted from your balance, regardless of your autopay setting
• Account suspension: your account may be suspended pending resolution
• Service interruption: active services may be paused
• Permanent termination: fraudulent chargebacks may result in permanent account closure

Contact Us Before Filing

Always contact us first. We can usually resolve payment issues faster than the chargeback process:

• Contact support with your concern and transaction details
• Allow 3–5 business days for investigation
• Refunds or credit corrections can be issued without chargeback complications

Fraudulent Chargebacks

Filing false or fraudulent chargebacks will result in:

• Immediate account termination
• Forfeiture of remaining credits
• Potential legal action
• Reporting to the relevant payment processors and authorities

17. Payment Methods and Currency

Supported Payment Methods

Available methods vary by region:

Indian Customers (via Razorpay)

• Credit and debit cards (Visa, Mastercard, RuPay and others)
• UPI (Google Pay, PhonePe, Paytm and other UPI apps)
• Net banking with major Indian banks
• Digital wallets

Global Customers (via Paddle)

• International credit and debit cards
• Other methods supported by Paddle in your region, as shown at checkout
• Paddle acts as Merchant of Record and may appear on your statement instead of Corenexis

Currency and Pricing

• 1 CN Coin = 1 USD in platform value
• The local currency cost is determined by country-specific pricing and may reflect exchange rates and regional adjustments
• Applicable taxes such as GST or VAT may be added at checkout
• The exact charge in your local currency is always displayed before you confirm
• Cashly is billed in Indian Rupees (₹)

Refund Currency

• Refunds are processed in the same currency and amount as the original payment
• No currency conversion loss is applied by Corenexis on refunds; your bank's own conversion rates may still apply
• Applicable gateway fees are refunded where relevant

Payment Security

Payment security is handled entirely by our authorised payment gateways. Corenexis does not store or process card numbers, banking details, or payment credentials on our servers.

18. Contact Us

If you have questions about this Refund Policy or need help with a payment issue, please reach out.

Email Support

• Email: [email protected]
• Response time: within 24 hours on business days

Support Portal

• URL: https://helpdesk.corenexis.com
• Response time: within 24–48 hours

Dashboard Support

• Dashboard: dash.corenexis.com
• Submit and track support tickets directly from your account

What to Include

• Your Corenexis account email
• Transaction ID or reference number
• Which gateway processed the payment (Paddle or Razorpay)
• A detailed description of the issue
• Screenshots or documentation, if relevant

Business Hours

• Business days: Monday to Friday, 9:00 AM – 6:00 PM IST
• Weekends: limited support on Saturdays; closed on Sundays
• Holidays: closed on major Indian public holidays

Response Time Expectations

• Urgent payment issues: 4–6 hours
• Refund requests: acknowledgment within 24 hours
• General enquiries: 24–48 hours

Policy Updates and Amendments

Corenexis reserves the right to update or modify this Refund Policy at any time. Changes are effective immediately upon posting to our website, and significant changes will be communicated by email to registered users.

Your continued use of Corenexis services after any change constitutes acceptance of the updated policy. We encourage you to review this page periodically.

The current version is always available at https://corenexis.com/refund-policy.

Additional Resources

• Terms of Service: https://corenexis.com/terms-of-service
• Privacy Policy: https://corenexis.com/privacy
• Account Sign-in: https://accounts.corenexis.com
• API Documentation & Pricing: https://api.corenexis.com
• Billing Dashboard: https://dash.corenexis.com
• Cashly: https://cashly.corenexis.com
• Main Website: https://corenexis.com