Subscription & Billing Policy — Expenu

Effective Date: September 29, 2026
Last Updated: September 29, 2026

This Subscription & Billing Policy explains how subscriptions, plans, pricing, trials, billing, payments, renewals, upgrades, downgrades, cancellations, refunds, taxes, and related billing matters work for Expenu.

Expenu is operated by:

9VN Communication Pvt Ltd
SCR 201, 3rd Floor, 150 Meters from Venus Inn Restaurant, Towards Mausima Flyover, Bapuji Nagar, Bhubaneswar, Odisha 751009, India
Email: [email protected]
Phone: +91 7894666662
Website: https://expenu.com

This Policy should be read together with our Terms & Conditions and Privacy Policy.

1. About Expenu Subscriptions

Expenu may provide its services through different subscription plans designed for different types of users and workspaces.

Depending on the plan available to you, your subscription may provide access to:

• Personal financial management features

• Family workspace features

• Office/workspace features

• Transaction management

• Income and expense tracking

• Accounts and financial records

• Reports and analytics

• Attachments and imports

• Collaboration and workspace management

• AI-powered features

• Other features, limits, integrations, and services introduced by Expenu

The features and limits associated with each plan are determined by Expenu’s current package and entitlement configuration.

2. Plans and Packages

Expenu may offer multiple plans, packages, pricing options, add-ons, or promotional offers.

Each plan may differ in:

• Features

• Usage limits

• Number of users or members

• Workspace capabilities

• Storage or attachment limits

• AI availability or limits

• Import capabilities

• Collaboration capabilities

• Support levels

• Other service entitlements

Expenu may change, add, remove, rename, or modify plans and their features from time to time.

Changes to existing paid subscriptions will be handled in accordance with applicable law and the terms applicable to your subscription.

3. Pricing

The price applicable to your subscription will be the price displayed to you at the time you purchase or renew the applicable plan, unless otherwise stated.

Prices may be displayed in Indian Rupees (INR) or another supported currency.

Prices may be:

• Monthly

• Annual

• Promotional

• Trial-based

• Usage-based

• One-time

• Add-on specific

Not every plan or feature is necessarily available for purchase at all times.

Where a plan is displayed as Free, no subscription payment is required for that plan unless otherwise stated.

Where a paid plan is marked TBA, Coming Soon, or similar, that plan is not currently available for paid checkout.

4. Taxes

Applicable taxes may be added to the displayed subscription price where required by law.

For customers in India, applicable GST and other legally required taxes may apply.

You are responsible for providing accurate billing information necessary for tax calculation, invoicing, and compliance.

Where required, Expenu may issue tax invoices or other billing documents.

5. Payment Methods

Expenu may support one or more payment methods or payment providers.

Supported payment methods may include, where enabled:

• Credit cards

• Debit cards

• UPI

• Net banking

• Wallets

• Other payment methods supported by our payment providers

Payment processing may be handled by third-party payment providers.

Expenu does not store complete payment-card credentials when payment processing is handled by an authorized third-party payment provider.

Your use of a payment provider may also be subject to that provider’s own terms and privacy policy.

6. Payment Authorization

By purchasing a paid subscription, you authorize Expenu and/or its authorized payment provider to charge the applicable amount for the selected subscription, subject to the payment method and checkout terms presented to you.

You are responsible for ensuring that:

• Your payment information is accurate

• Your payment method is valid

• Sufficient funds or credit are available

• Your billing information remains current

7. Failed Payments

If a payment fails, Expenu may:

• Notify you of the failed payment

• Allow you to update your payment method

• Retry the payment where supported

• Restrict paid features

• Place the subscription into a past-due or restricted state

• Suspend or terminate the subscription after applicable grace periods

Expenu does not guarantee that a particular number of payment retries or a particular grace period will be provided unless explicitly stated for the applicable subscription.

8. Subscription Activation

A paid subscription becomes active only after the applicable payment and subscription processing has been successfully completed.

Creating an account or reaching a checkout page does not necessarily mean that a paid subscription has been activated.

If a payment is unsuccessful, the requested paid plan may not become active.

9. Free Plans

Expenu may provide a free plan.

A free plan may:

• Have no subscription charge

• Have limited features

• Have usage or capacity limits

• Exclude certain premium features

• Be changed or discontinued subject to applicable law and reasonable notice where required

A free plan does not necessarily include every feature available on paid plans.

10. Trials

Expenu may offer free trials or promotional trial periods for selected plans or users.

A trial may have:

• A defined duration

• Feature restrictions

• Usage limits

• Eligibility requirements

• One-time availability

• Other promotional conditions

Unless explicitly stated during signup, a trial does not guarantee that the same offer will be available again.

If a trial requires payment information, any conversion to a paid subscription will be disclosed during the applicable signup or checkout process.

11. Automatic Renewal

Where automatic renewal is enabled for a subscription, the subscription may renew for the applicable billing period unless cancelled before the renewal date.

The applicable renewal price will generally be the price then applicable to the subscription, subject to any promotional or contractual pricing that applies.

Where required by applicable law, Expenu will provide appropriate notice of material price changes or renewal terms.

12. Billing Date

Your billing date may depend on:

• The date your subscription begins

• The billing cycle selected

• The payment provider

• Changes to your subscription

• Promotional periods

• Trial periods

Billing dates may not always remain the same when a subscription is upgraded, changed, resumed, or otherwise modified.

13. Upgrades

You may be able to upgrade your subscription when the relevant plan is available.

An upgrade may provide access to additional:

• Features

• Workspace capabilities

• User/member capacity

• Limits

• Integrations

• AI functionality

• Other entitlements

The exact billing treatment for an upgrade may depend on the applicable billing system and payment provider.

Any applicable additional charge will be displayed before completing the transaction.

14. Downgrades

You may be able to downgrade your subscription where supported.

A downgrade may result in:

• Reduced features

• Lower limits

• Reduced workspace capacity

• Loss of access to premium functionality

• Restrictions on existing data or configurations

Expenu will not intentionally delete user data solely because of a downgrade unless otherwise stated or required to provide the service.

However, certain data or functionality may become inaccessible while the account remains below the required entitlement level.

15. Subscription Cancellation

You may cancel your subscription through the cancellation mechanism provided by Expenu or by contacting support where applicable.

Cancellation normally prevents future renewal.

Unless otherwise stated, cancellation does not automatically mean that the current billing period will be refunded.

Your access to paid features may continue until the end of the applicable paid period, subject to the subscription terms and any suspension or termination provisions.

16. Refunds

Refund eligibility depends on:

• The applicable subscription

• The reason for the refund request

• Applicable law

• Payment-provider rules

• Any promotional terms

• The time elapsed since purchase

• Whether the service has been used

Unless otherwise required by applicable law or expressly stated in a specific offer, subscription fees are generally non-refundable for partially used billing periods.

Nothing in this Policy limits any mandatory consumer rights or statutory refund rights that cannot legally be excluded.

17. Refund Requests

Refund requests should be sent to:

[email protected]

Please include:

• Account email address

• Transaction or invoice information, where available

• Subscription information

• Reason for the refund request

Expenu may request additional information necessary to verify the transaction.

Approved refunds may be processed through the original payment method where technically possible.

Processing times may depend on the payment provider or financial institution.

18. Payment Provider Fees

Where a payment provider charges transaction, processing, currency-conversion, or other fees, those fees may be governed by the provider’s terms.

Where applicable, Expenu may be unable to recover payment-provider fees after a transaction has been processed.

19. Promotional Pricing

Expenu may offer:

• Discount codes

• Promotional pricing

• Limited-time offers

• Introductory pricing

• Campaign pricing

• Special customer offers

Promotions may have separate eligibility requirements and expiration dates.

Unless explicitly stated, promotional pricing does not guarantee the same price for future renewals.

Only one promotion may be applicable to a transaction unless explicitly stated otherwise.

20. Add-ons

Expenu may offer additional products, features, credits, integrations, or services separately from the primary subscription plan.

Add-ons may have:

• Separate pricing

• Separate limits

• Separate billing

• Separate eligibility requirements

• Separate cancellation rules

An add-on does not automatically change the underlying subscription plan unless explicitly stated.

21. Plan Changes

Expenu may modify its plans, features, limits, pricing, or packaging from time to time.

Examples include:

• Introducing new plans

• Retiring plans

• Changing feature availability

• Changing usage limits

• Reorganizing features

• Introducing new add-ons

• Changing promotional offers

Where a change materially affects an existing paid subscription, Expenu will provide notice where required by applicable law.

22. Billing Information

You are responsible for maintaining accurate:

• Name

• Email address

• Billing address

• Tax information

• Business information, where applicable

• Payment information

Incorrect billing information may result in:

• Failed payments

• Incorrect invoices

• Delayed refunds

• Tax or compliance issues

23. Invoices and Receipts

Expenu may provide invoices, receipts, payment confirmations, or other billing records electronically.

You should retain these records for your own accounting and tax purposes.

Businesses should ensure that the billing information supplied to Expenu is accurate before completing a purchase.

24. Currency and Foreign Transactions

Where a payment is processed in a currency different from your bank account’s currency, your bank or payment provider may apply:

• Currency conversion

• Foreign transaction fees

• Exchange-rate adjustments

• Other charges

Such charges are generally imposed by the relevant financial institution or payment provider rather than Expenu.

25. Subscription Suspension

Expenu may suspend or restrict a subscription where:

• Payment remains unpaid

• Payment is reversed or charged back

• The account violates the Terms & Conditions

• Fraudulent activity is reasonably suspected

• The service is being abused

• Required verification is incomplete

• Suspension is necessary for security or legal reasons

Where appropriate, Expenu may provide notice and an opportunity to resolve the issue.

26. Chargebacks

If you initiate a chargeback or payment dispute without first contacting Expenu regarding a legitimate billing issue, Expenu may investigate the transaction and may restrict the relevant subscription while the dispute is being resolved.

Nothing in this section limits any rights available to you under applicable payment, consumer-protection, or other laws.

27. Data After Cancellation

Cancellation of a subscription does not necessarily mean immediate deletion of your account or data.

Your account and data may remain subject to:

• Expenu’s Privacy Policy

• Data retention requirements

• Account deletion requests

• Backup retention

• Legal obligations

• Security requirements

You may request account/data deletion where the applicable functionality and law permit it.

28. Re-Subscription

After cancellation, you may be able to subscribe again if the relevant plan is available.

Re-subscribing does not guarantee that:

• Previous pricing will remain available

• Previous promotional discounts will apply

• The same plan will still exist

• Previous features or limits will remain unchanged

29. Business and Workspace Subscriptions

Expenu may support different workspace models, including:

• Individual

• Family

• Office

The subscription and entitlement associated with a workspace may determine:

• Available features

• Number of permitted members

• Roles and permissions

• Workspace capabilities

• Usage limits

Workspace owners and administrators are responsible for ensuring that subscription use complies with applicable terms.

30. Subscription Limits

A subscription may include technical or commercial limits.

Examples may include:

• Number of workspace members

• Number of transactions

• Number of attachments

• Storage capacity

• Import limits

• AI usage

• API usage

• Other feature-specific limits

Exceeding a limit may result in a request to upgrade, purchase an applicable add-on, wait for a limit reset, or otherwise comply with the applicable plan.

31. No Guaranteed Financial Results

Expenu is a financial management and organization tool.

A subscription does not guarantee:

• Financial savings

• Investment returns

• Debt reduction

• Business profitability

• Tax savings

• Any particular financial outcome

Expenu does not provide personalized financial, investment, tax, accounting, or legal advice unless a specific service is expressly described as providing such advice.

32. Third-Party Payment Services

Payment processing may involve third-party providers.

Those providers may independently process:

• Payment credentials

• Payment authorization

• Fraud checks

• Refund processing

• Transaction status

• Payment disputes

Expenu is not responsible for failures caused solely by a third-party payment provider, bank, card network, or other financial institution, subject to applicable law.

33. Billing Errors

If you believe that you have been incorrectly charged, contact:

[email protected]

We may investigate:

• Duplicate charges

• Incorrect subscription charges

• Incorrect taxes

• Failed cancellation

• Incorrect promotional application

• Other billing discrepancies

Please contact us promptly after identifying a suspected billing error.

34. Changes to This Policy

Expenu may update this Subscription & Billing Policy from time to time.

Updates may reflect:

• Changes to our billing system

• New payment methods

• New subscription models

• Regulatory requirements

• New products or services

• Changes to refund or cancellation processes

The updated version will be published on the Expenu website with an updated Last Updated date.

Material changes will be communicated where required by applicable law.

35. Governing Terms

This Subscription & Billing Policy forms part of the agreement governing your use of Expenu.

If there is a conflict between this Policy and the Terms & Conditions, the applicable provision of the Terms & Conditions will generally control unless this Policy expressly states otherwise.

Mandatory rights provided by applicable law remain unaffected.

36. Contact Us

For subscription, payment, billing, cancellation, refund, or invoice questions:

9VN Communication Pvt Ltd
SCR 201, 3rd Floor, 150 Meters from Venus Inn Restaurant, Towards Mausima Flyover, Bapuji Nagar, Bhubaneswar, Odisha 751009, India

Email: [email protected]
Phone: +91 7894666662
Website: https://expenu.com

37. Acknowledgment

By purchasing or using a paid Expenu subscription, you acknowledge that you have reviewed the applicable subscription price, billing period, features, limits, and relevant billing terms presented during the purchase process.

Important: This document is a product/business policy template and should be reviewed by an India-qualified lawyer before publication, particularly for consumer protection, automatic renewal, GST/tax invoicing, refund rights, payment disputes, and subscription cancellation requirements.