Payment policy

How Fincraft is paid for, what happens around a renewal, and what happens if a payment does not arrive. It forms part of the terms of use; refunds have their own refund policy.

Last updated 1 November 2026

1. What you pay for

• Fincraft is sold per household, not per person: one subscription covers everyone you invite into it.
• Paid plans are billed yearly, in advance. The Free plan costs nothing and has no time limit.
• Current plans and prices are on the billing screen in Indian rupees, UAE dirhams and US dollars; a household that reports in any other currency is billed in US dollars. The price there is the one that applies; this page deliberately does not repeat it.
• Free trial. The first time a household on the Free plan chooses a paid plan, it gets 30 days of that plan free. No card or bank details are asked for, and nothing is charged. When the trial ends the household returns to Free on its own — with everything kept — unless you choose to pay. One trial per household.
• Taxes such as VAT, GST or sales tax are added where the law of the country you are billed in requires them. The invoice shows them separately.

2. How payment is taken

Fincraft does not yet take card payments on the site. When you choose a paid plan, we send you an invoice by email with the amount, the tax and our bank details. Pay it by bank transfer, UPI (India) or another method the invoice lists, quoting the invoice number. Your plan is switched on as soon as the payment is matched — usually the same working day.

The billing screen says so plainly while a payment is pending, rather than pretending a card was charged.

• We never ask for a card number, CVV, PIN, OTP or online-banking password by email, phone or chat. Anyone who does is not us — report it to [not set].
• Pay only to the account printed on an invoice that arrived from us. If bank details ever appear to change, confirm with us before paying.
• Bank charges and currency conversion by your own bank are yours; please make sure we receive the invoiced amount.

3. Renewal

• A subscription renews at the end of each year, at the price then published, until you cancel. We email the renewal invoice before the year ends.
• Cancel any time from the billing screen to stop the next renewal; you keep the plan until the period you paid for ends.
• Price changes apply only from your next renewal, and we tell you at least 30 days in advance so you can cancel first.

4. If a payment is late or does not arrive

A missed renewal is an inconvenience, not a lock-out. You keep full access for 14 days after the period ends. If payment has still not arrived, the household moves to the Free plan: nothing is deleted, and you keep read access to everything you entered. Paying the invoice restores the plan at once.

If a subscription stays unpaid and is not renewed, records are kept for 90 days so you can come back, as the privacy policy explains.

5. Upgrades and downgrades

• A household that has already had its free trial requests an upgrade on the billing screen, and it starts when the invoice is paid. Paying during a trial keeps the plan without a break.
• Moving up from Basic to Advanced part-way through a paid year is invoiced for the difference between the two prices for the days left; your renewal date does not change, and from then on the household renews at the Advanced price.
• During a free trial you can switch to the other paid plan at any time; the trial still ends on the same day.
• A move to the Free plan takes effect straight away and is free to do. Everything you entered stays where it is; features of the higher plan become read-only.

6. Invoices and records

Every payment gets a tax invoice in the name of the household owner, or a business name and tax number if you give us one before paying. The billing screen keeps a history of plan changes. Invoices and payment records are kept as long as tax law requires in the country of billing — seven years in India and the UAE; they contain only what was paid, when and for which plan — none of your financial records.

7. Disputes and chargebacks

If a charge looks wrong, please write to [not set] before disputing it with your bank: most problems are a missing reference or a duplicate payment, which we refund in full. We may pause an upgrade while a payment dispute is open, but we never delete your records because of one.