Refund Policy

This Refund Policy explains how Keyo Payments Private Limited handles refunds, subscription cancellations, and billing questions for paid Keyo products.

Keyo is built and run by Keyo Payments Private Limited, but the sale itself is made through an authorised reseller acting as the merchant of record. The reseller sells the product to you, takes the payment, handles sales tax and VAT, and issues refunds. Which one handled your purchase is shown on your receipt.

This is why the charge on your card or bank statement does not say Keyo or Keyo Payments Private Limited. It carries the reseller's name instead:

• Dodo Payments — the charge appears as DODOPAY_KEYOPAYMENTSPR. You contract with Dodo Payments, acting as merchant of record for this sale. You can look up your own order at customer.dodopayments.com/login/bus_0NkT6Kl1U2AKV5ua9HiVS.

If you see a charge you do not recognise, this is very likely what it is. You can claim the guarantee below either by emailing us or by contacting the reseller directly — both routes reach the same outcome, so use whichever you prefer.

You can request a full refund of any payment within 30 days of the date that payment was charged. You do not need to give a reason, and no conditions apply.

This covers every payment we take, with no exclusions: your first subscription charge, each renewal charge, the amount charged when you upgrade a plan, and purchases of usage credits. It applies whether or not you have used the service, whether or not you have spent the credits or AI allowance the payment provided, and whether or not the purchase was made at a promotional or discounted price.

Refunds are for the full amount of the payment. We return them to the original payment method.

Once a payment is refunded, the access it paid for ends: paid features for that billing period stop, and any credits that payment added are removed from your account balance.

Once more than 30 days have passed since a charge, that particular payment falls outside this guarantee. You can still cancel at any time to stop all future charges, and each future charge starts its own 30-day window from the day it is taken.

Nothing in this policy limits any rights you have under the consumer law that applies where you live. Where that law gives you a longer or broader right to a refund, that right applies in addition to this guarantee.

Email support@keyo.in with the subject prefix [Refund] and include:

• Your Keyo account email address
• The payment ID, subscription ID, or transaction reference
• The charge date, amount, and currency

You do not need to explain why you want the refund. Because the sale is made through a reseller acting as merchant of record, you can equally raise the request with them, using the support link on your receipt or the lookup page listed above for whichever reseller handled your purchase. Whichever route you use, the same 30-day guarantee applies.

You can cancel a recurring subscription at any time from the billing area of your account. Cancelling is immediate and cannot be undone: it stops all future charges, and your paid features stay available until the end of the period you have already paid for. To use a paid plan after that, you start a new subscription.

Cancelling is not the same as asking for a refund. If you also want the charge you have already paid returned, request a refund as described above — cancelling on its own stops future billing but does not reverse the payment you have already made.

Credits you have bought and not refunded stay on your account when a subscription ends. They do not expire, and they are still there if you subscribe again later.

If you need help locating the cancellation controls, email support@keyo.in with the subject prefix [Billing].

We issue approved refunds to the original payment method. Once we have issued one, the time it takes to appear on your statement is set by your bank or card issuer rather than by us, and is commonly five to ten business days.

If a charge looks wrong to you, email us before raising a dispute with your bank. The guarantee above means you do not need a chargeback to get your money back within 30 days, and we can usually resolve a billing question faster than a bank dispute can.

If a charge looks unfamiliar only because of the name on your statement, check it against the reseller descriptors listed above — a Keyo purchase is billed under the reseller's name, not ours.

We may update this policy as our products or billing models change. Material revisions will be reflected in the date shown above, and the 30-day guarantee that applied on the day you were charged is the one we will honour for that payment.