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Policy

Cancellation and Refund Policy

Last updated 21 October 2026

This policy explains what happens to the money you commit on LockIn. Please read it before you pay.

How your fund moves

  • You pay your commitment fund through Razorpay. LockIn holds it while your program runs.
  • Every check-in you complete releases a share of the fund into your LockIn wallet.
  • If you miss more days than your plan's grace days allow, the share tied to each extra missed check-in is not released and is retained by LockIn to run the program. This is the cost of the commitment and is not refundable.
  • Released money is yours and does not expire.

Cancelling a program

A commitment fund is a commitment, so a plan cannot be cancelled for a full refund once it has started. If you stop checking in, the unreleased part of the fund is retained as described above.

When we will refund you

  • Duplicate or failed payments: if you were charged more than once, or charged but your plan was not created, we will refund the affected amount in full.
  • Technical fault on our side: if a bug or outage prevented you from checking in and this is confirmed, we will credit the affected check-ins or refund the affected share.
  • Before your first day: if you contact us before your plan's first check-in day begins, we will review a request to cancel and refund the fund in full.

Refunds are made to the original payment method through Razorpay and normally reach you within 5 to 7 working days of approval, depending on your bank. To request one, email support@getlockin.co.in with your registered email and the payment reference.

Withdrawals to UPI

  • You can withdraw released money to your UPI ID when you have no active program. There is no minimum amount.
  • Withdrawals are reviewed and paid manually, usually within 2–3 working days. A request shows as pending until it is paid.
  • If a withdrawal cannot be paid (for example a wrong UPI ID) it is rejected and the amount returns to your wallet balance so you can try again.
  • We may hold a withdrawal for review if we suspect fraud or abuse.

Rollover

At the end of a program you may roll your released money into a new program instead of withdrawing. Rolling over is your choice.

Questions

Email support@getlockin.co.in. If we do not resolve it, see our Grievance page.