Refund Policy

This Refund Policy explains the terms and conditions for refunds of payments for MAPAN paid subscription plans. This policy supplements our Terms & Conditions and applies to all subscription payment transactions processed through the third-party payment gateway we use.

1. General Principle: Non-Refundable

Subscription payments that have been successfully confirmed and activated are final and non-refundable, except under the specific conditions described in section 2 below. This is because access to premium features — both for personal finance (e.g. Budget Analysis, Financial Roadmap, AI Assistant, Receipt Scan) and for Mapan Bisnis (e.g. catalog & cashier, invoices, business cash, team members) — is granted immediately after a successful payment, and is therefore considered a digital service that has been consumed.

2. Conditions Eligible for a Refund

You may request a refund if any of the following occurs:

• Billing error — you were charged more than once (double charge) for the same transaction.
• Payment succeeded but the subscription failed to activate — your funds were debited/confirmed by the payment gateway, but due to a system error on our side the premium features were not activated within 24 hours and we were unable to fix it.
• Unauthorized transaction — you can prove that the payment was made without your knowledge/permission (e.g. your account was hacked), with adequate supporting evidence.
• Required by the laws and regulations in force in Indonesia.

Outside these conditions — including but not limited to a change of mind, deciding not to use the Service, or choosing the wrong plan yourself — you are not entitled to a refund.

3. How to Request a Refund

1. Email support@mapan.digital no later than 7 calendar days from the transaction date.
2. Include: the transaction/invoice ID, the payment date & time, the payment method used, and a short explanation of the situation.
3. Our team will review your request and may ask for additional supporting evidence (e.g. a bank statement or a payment gateway notification).

Requests received after 7 calendar days, or without adequate supporting evidence, may be rejected.

4. Review Process & Resolution Time

• We will decide on your request within a maximum of 5 business days after all supporting evidence has been received in full.
• If approved, the funds will be returned through the same payment gateway method you used for the transaction (the payment gateway we currently use is iPaymu), subject to that provider's policies and processing times — generally 3–14 business days depending on the payment method (bank transfer, e-wallet, card, etc.).
• We are not responsible for delays caused by banks, e-wallets, or payment gateways beyond our control.

5. Cancellation Before Payment Is Confirmed

If you cancel the checkout process before the payment is confirmed by the payment gateway, no funds are debited and no refund request is needed.

6. Changes to This Policy

We may update this Refund Policy from time to time. We will notify you of material changes through the app or by email before they take effect.

7. Contact Us

For questions or refund requests, please contact us at support@mapan.digital.