Refund & Cancellation Policy

This policy explains how subscriptions and one-time purchases on merc.in may be cancelled and the circumstances in which refunds are issued. merc.in is operated by M/s Brightlane Solutions Private Limited, Jhunjhunu, Rajasthan, India. By subscribing to or purchasing any plan, you agree to this policy together with our Terms & Conditions.

merc.in offers a monthly plan for resolution professionals (RP Pro) and monthly or annual plans for investors (Investor Pipeline and Full Investor Desk). Access to paid features begins as soon as your payment is confirmed or your payment mandate is authorised, and continues for the period you have paid for.

Monthly plans renew automatically. When you take a monthly plan you authorise a recurring debit through Razorpay (UPI AutoPay, a card or a bank e-mandate) and the plan price is collected every month on the same date until you stop it. Razorpay notifies you before each debit, as the RBI framework requires. Annual investor plans are a single payment for twelve months and do not renew by themselves; we remind you before they end.

You can stop a monthly plan at any time from your desk (Subscription → Stop auto-debit), with no notice period and no cancellation charge. Stopping means no further debit is made; you keep access to paid features until the end of the month already paid for, after which your account reverts to the free, public level of access. The month in progress is not refunded (see §4). You can also stop or manage the mandate from the Razorpay notifications you receive, or by writing to hello@merc.in.

If a monthly debit fails, Razorpay retries it for a few days and tells you; if it keeps failing the auto-debit stops and your access lapses at the end of the paid period. You can set it up again at any time.

Changing between the two investor plans takes effect at the end of the month already paid for, so no paid day is lost. An annual plan simply runs to its end date; to continue after it, renew or set up a monthly auto-debit.

If you would like your account or data removed as well, write to hello@merc.in or via WhatsApp at +91 91191 75123 and we will action it under our Privacy Policy.

Subscription fees are generally non-refundable once a billing period has begun, because access to the platform and its data is granted immediately on payment. As a goodwill exception, if you request it within 7 days of your first-ever payment and have not made substantial use of the paid features (for example, bulk data export or alert configuration), you may request a full refund of that first payment by emailing hello@merc.in. Renewal payments are not covered by this 7-day window.

Annual investor plans are offered at a discount (effectively two months free) in exchange for an up-front yearly commitment and are a single payment; RP Pro is monthly only. Annual fees are non-refundable after the 7-day window described above. If you stop using an annual plan partway through the year, you keep access until the end of the paid year but are not refunded for the unused months.

A single case dossier is a one-time purchase of permanent access to one company's case record, including future updates to it. Because access is granted immediately and permanently, it is non-refundable except under §9. If you subscribe to an investor plan within 30 days of buying a dossier, its price is credited against your first month, as stated at checkout.

The Historical Data Licence is a one-time purchase of a structured dataset, not a subscription. Because the dataset is delivered in full at the point of sale, it is non-refundable once delivered. If a genuine technical problem prevents delivery of the dataset, we will either re-deliver it or refund the purchase. Any pricing and delivery terms are confirmed in writing before purchase.

Enterprise plans are governed by the specific written agreement signed between you and M/s Brightlane Solutions Private Limited. Where that agreement addresses cancellation or refunds, its terms take precedence over this page.

If you are charged in error — for example a duplicate charge or a payment that did not result in access — contact us at hello@merc.in with your payment reference and we will verify and refund the erroneous amount. Verified erroneous or duplicate payments are refunded in full.

Approved refunds are made to the original payment method used for the transaction, through our payment processor. Once approved, refunds are typically processed within 5–7 business days, though the time for the amount to appear in your account depends on your bank or card issuer.

For any cancellation or refund request, contact us at hello@merc.in or on WhatsApp at +91 91191 75123. M/s Brightlane Solutions Private Limited, Jhunjhunu, Rajasthan 333001, India.