1. Overview
Monetive is a platform that enables Creators to sell digital products and services to Buyers. This Refund Policy explains the conditions under which refunds may be issued.
Because Monetive connects independent Creators with Buyers, refund eligibility depends on both Monetive's platform policy and the individual Creator's stated refund policy.
2. Digital Products — General Policy
All sales of digital products on Monetive are considered final by default, because:
- Digital products (eBooks, PDFs, templates, courses) are delivered instantly and cannot be "returned"
- Access to digital content cannot be revoked once granted
However, refunds may be considered in the following exceptional circumstances.
3. When a Refund May Be Issued
A refund may be issued if:
3.1 Payment was successful but the product was not delivered to the Buyer's email within 24 hours of purchase.
3.2 The product delivered is significantly different from what was described on the payment page.
3.3 A duplicate payment was charged for the same order.
3.4 A technical error on Monetive's platform caused an incorrect charge.
3.5 The Creator has explicitly stated a refund policy on their payment page that entitles the Buyer to a refund.
4. When Refunds Will Not Be Issued
Refunds will not be issued if:
- The Buyer simply changed their mind after purchase
- The Buyer claims the product did not meet their expectations, without evidence of misrepresentation
- The Buyer has already downloaded or accessed the product
- The refund request is made more than 7 days after purchase
- The purchase was made during a promotional or discounted sale and the Creator's policy does not allow refunds
5. Creator Refund Policies
Individual Creators may set their own refund policies on their payment pages. Monetive will honor Creator-defined refund policies where they are clearly stated.
Buyers are encouraged to read the Creator's refund policy before making a purchase.
6. How to Request a Refund
To request a refund, contact us within 7 days of purchase:
Email: care@mail.monetive.in
Telegram: @monetiveindia
Please include:
- Your full name and email used for purchase
- Order ID or transaction reference number
- Reason for refund request
- Screenshot or evidence if applicable
We will review your request and respond within 3-5 business days.
7. Refund Processing
Approved refunds will be processed through Cashfree Payments and credited back to the original payment method within 5-7 business days, subject to your bank's processing time.
Platform fees charged by Monetive are non-refundable once a transaction is successfully processed.
8. Dispute Resolution
If you are unsatisfied with our refund decision, you may escalate the matter by emailing care@mail.monetive.in with the subject line "Refund Dispute — [Order ID]".
All disputes are subject to the governing law of India and jurisdiction of courts in Imphal, Manipur.
9. Chargebacks
We strongly discourage filing chargebacks without first contacting us. You retain your right to raise a legitimate dispute with your payment provider.
If you have a legitimate concern, we will always work with you to resolve it fairly.
10. Contact Us
Email: care@mail.monetive.in
Telegram: @monetiveindia
Kanglei Sannathong Private Limited
Takyel Khongbal, Imphal West,
CRPF Camp Langjing, Manipur, India 795113
Platform fees, gateway charges and GST
Monetive platform fees are flat Free 10%, Creator 5% and Business 2% of the order amount. No GST is added to the platform fee. Enterprise fees are agreed separately.
Payment processing charges from our gateway are additional and passed through at cost. Paytm currently charges 1.99% across payment methods, plus 18% GST on that gateway fee. The platform fee, processing charge and GST on the processing charge are deducted from each payment before payout. Gateway rates and applicable taxes may change; the applicable breakdown is recorded for each new order. Existing order amounts are not recalculated.
Creator payout = order amount − platform fee − Paytm fee − GST on Paytm fee. A creator remains responsible for any taxes on their own products and services. See Fees & Payments in our Terms.
Example: a ₹1,000 sale
At the current Paytm rates, the gateway fee is ₹19.90 and GST on that fee is ₹3.58, totalling ₹23.48. No GST is added to Monetive’s platform fee.
- Free: ₹1,000 − ₹100 platform fee − ₹19.90 Paytm fee − ₹3.58 gateway GST = ₹876.52 payout.
- Creator: ₹1,000 − ₹50 platform fee − ₹19.90 Paytm fee − ₹3.58 gateway GST = ₹926.52 payout.
- Business: ₹1,000 − ₹20 platform fee − ₹19.90 Paytm fee − ₹3.58 gateway GST = ₹956.52 payout.
Payouts, refunds and chargebacks
Payout requests are processed in six-hour processing cycles, subject to available cleared funds, KYC, risk review, the payment gateway’s settlement schedule and banking availability. A processing cycle is not a guarantee of bank credit within six hours. Payouts are not automatic. Approved refunds, chargebacks and processor dispute charges may be withheld from or deducted from current or future payouts.
Subscriptions, auto-renewal and cancellation
Creator costs ₹99 for the first seven days on the monthly introductory offer, then ₹999/month via UPI Autopay; quarterly ₹2,699 and yearly ₹9,599. Business costs ₹3,999/month, ₹10,799/quarter or ₹38,399/year. Longer billing cycles are paid upfront, not in monthly instalments. The checkout shows the amount and renewal cycle before authorisation.
Subscriptions renew automatically through the authorised UPI Autopay mandate until cancelled. Cancel through your Monetive billing page before the next debit; you may also revoke the mandate in your UPI app. Cancellation stops future renewals and does not itself refund an already-paid period. Paid access continues until the paid period ends, subject to suspension for policy violations and statutory rights.
Existing paid subscribers keep their current subscription price until their next plan change. New plan selection uses the price disclosed at that time; previously collected amounts and existing mandates are not retrospectively changed.
WhatsApp charges
Monetive is a Meta Tech Provider. Connected WhatsApp Business Platform accounts are currently billed directly by Meta using the payment method in WhatsApp Manager. Monetive does not additionally debit a messaging wallet for these sends. Customer-initiated service replies inside the service window are free of Meta messaging charges.
Where a prepaid WhatsApp credit balance exists, credits are non-refundable except on account closure, subject to reconciliation of usage, unpaid liabilities and applicable law. A prepaid billing change will be disclosed before activation; it must not duplicate charges collected by Meta.
Operator and governing law
Monetive is operated by Kanglei Sannathong Pvt. Ltd., Imphal, Manipur, India. These terms are governed by Indian law, with disputes subject to the courts in Imphal, subject to mandatory consumer rights. Contact care@mail.monetive.in for billing or cancellation assistance.
Nothing in this policy limits statutory rights for defective products, non-delivery, unauthorised charges or remedies required by applicable law. Cancellation of a subscription stops future renewals; contact support for billing disputes.