Refund & Cancellation Policy

This policy applies to payments made on or after 12 September 2026. Payments made before that date are covered by the version of this page that was live when you paid — write to us and we will honour it.

The short version

• Payments are final. We do not refund a subscription payment or a credit pack once it has been paid.
• Cancel any time. You keep the plan, and the credits already granted for that period, until the date you have paid through. We do not charge you again.
• We correct our own mistakes. Charged twice, charged after cancelling, or charged an amount that is not the plan you chose — we put that right. That is an error being corrected, not a refund.
• Credits you buy never expire, so nothing you have paid for goes to waste, even if you come back to it months later.
• The Free plan exists so you can try first. It is not a trial that ends.

1. Payments are final

When a subscription payment or a credit pack purchase succeeds, that payment is not refundable. This includes a plan you stopped using, a month you did not log in, a plan bought by mistake on the wrong tier, and the unused part of any period.

We would rather say this plainly than bury it. The Free plan is a real plan rather than a trial that expires, so you can send automations, build flows and see the product work on your own account before any money moves.

2. Cancelling a subscription

You can cancel from Dashboard → Plans & Billing at any time, without contacting us and without giving a reason. Cancelling stops the next charge. It does not end your access immediately — you keep the plan, and the credits already granted for that period, until the date shown on that page.

If you are on a recurring plan, cancelling also cancels the mandate with our payment provider, so nothing further can be debited from your card, UPI or bank account.

Cancelling does not refund the period you are part-way through, and it does not need to — you keep it.

3. Mistakes we correct

A payment being final does not cover our own errors. We return the money in full, without argument, if:

• you were charged more than once for the same period;
• you were charged after cancelling;
• you were charged an amount that does not match the plan or pack you chose;
• a payment was taken and the plan or the credits were never granted to your account.

Write to contact@instoly.com with the payment reference. We aim to reply within 2 working days and to send the money back within 5 to 7 working days of confirming it.

4. Yearly plans

A yearly plan is committed up front, which is why it is discounted against twelve monthly payments. We do not refund the unused part of a year.

Cancelling a yearly plan stops it renewing at the end of the term. Your access and your monthly credit allowance continue for the full year you paid for.

5. Credit packs

Credit packs are one-time purchases and the credits never expire. They are not refundable, spent or unspent — because they do not lapse, an unspent pack is still yours whenever you come back to it.

A failed AI generation does not cost you a credit. It is returned to your balance automatically and you do not need to ask.

6. What this does not cover

• Interruptions caused by Instagram or Meta — API outages, rate limits, policy changes, or your Instagram account being restricted or disconnected by Meta. We do not control those and cannot price for them.
• An account we have suspended or terminated for breaking our Terms of Service.

7. How a correction is paid

Money goes back to the original payment method, through Razorpay. We cannot send it anywhere else — not to a different card, a different UPI id, or a bank transfer — because the money did not come from there and doing so is how refund fraud works.

Once issued it usually reaches you in 5 to 7 working days. The exact timing is set by your bank or card issuer and is outside our control.

8. Chargebacks

If something looks wrong with a charge, please email us first. If it is one of the mistakes above we will put it right directly — that is faster for you than a dispute with your bank, which locks the amount for weeks while it is investigated.

9. Contact

Billing questions and anything on this page: contact@instoly.com. Include the payment reference from your receipt, which makes it a same-day answer rather than a back-and-forth.