Refund & Cancellation Policy

The short version

• Cancel any time. You keep everything you have paid for until the end of the period, and we do not charge you again.
• Charged by mistake? If you were billed twice, billed after cancelling, or charged the wrong amount, we refund it in full.
• Changed your mind within 7 days? If you have barely used the plan, we refund it. The threshold is written out below so you do not have to guess.
• Credits you buy never expire, and are not refundable once spent.

1. 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.

2. When we refund in full, no questions

• 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 you chose.
• You paid for a plan and, because of a fault on our side, could not use it at all for more than 72 consecutive hours during the period.

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

3. Changed your mind

If you ask within 7 days of a payment and have used less than 10% of that period's DM & comment allowance, we refund that payment in full. We chose a usage threshold rather than a flat window because it is the only version of this rule that is fair in both directions — you can try the plan properly, and someone cannot send 25,000 DMs and then ask for their money back.

Beyond 7 days, or beyond that usage, a subscription payment is not refundable. You can still cancel, and you keep the rest of the period you paid for.

4. Yearly plans

A yearly plan follows the same 7-day rule, measured from the payment. After that we do not refund the unused part of a year. Yearly is discounted precisely because it is committed up front; if you would rather keep the option to leave, the monthly plan exists for that.

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. Because there is no period to be part-way through, the rule is simpler:

• Unused credits from a pack bought in the last 7 days can be refunded in full.
• Spent credits are not refundable. A DM that has been sent, an invoice that has been created, or an AI generation that has succeeded is work that has been done.
• 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 is not refundable

• Periods you have already used. Cancelling mid-month does not produce a part-refund.
• 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 refunds are paid

Refunds go back to the original payment method, through Razorpay. We cannot send a refund 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 we issue a refund 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. We would much rather refund you directly than have you raise a dispute with your bank — it is faster for you, and a disputed charge locks the amount for weeks while it is investigated.

9. Contact

Refunds, 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.