Legal

Refund & Cancellation Policy

Last updated: 21 July 2026

1. Overview

This Refund & Cancellation Policy ("Policy") is issued by EdCo Tech (SMC-Pvt) Ltd. (1270 Street 43, Ali Block, Bahria Town Phase 8, Rawalpindi) and forms part of our Terms of Service. It sets out the conditions under which you may cancel your EdCo subscription and the circumstances, if any, under which a refund may be granted.

2. Subscription model

EdCo is a subscription-based software-as-a-service (SaaS) platform. Subscriptions are billed on a periodic basis (monthly or annually) as agreed in your service agreement. The subscription fee covers access to the platform and all associated services for the billing period.

Because EdCo delivers its service continuously from the moment your subscription begins, fees paid for any billing period in which service has been rendered are generally non-refundable, except as set out in this Policy.

3. Cancellation

Either party may cancel the subscription with 30 days' written notice via our contact form, by email to billing@edco.pk, or by calling (03) 111-222-453.
Access to the platform continues until the end of the notice period or the end of the current paid billing period, whichever is later.
Cancellation stops future billing; it does not entitle you to a refund for the current billing period already paid.
EdCo may cancel or suspend your subscription immediately, without notice, for material breach of the Terms of Service.

4. Refund eligibility

Subscription fees are non-refundable once a billing period has commenced, except in the following circumstances:

Platform unavailability: If EdCo fails to meet its 99.5% uptime commitment over a calendar month due to causes within our control, affected customers may request a service credit equivalent to a pro-rated deduction for the period of downtime. Credits are applied to the next invoice and are not paid out in cash.
Duplicate payment: If you are charged twice for the same billing period due to a technical error on our part, we will refund the duplicate amount within 7 business days of confirmation.
Overpayment: If you pay an amount exceeding the agreed subscription fee due to a billing error, we will refund or credit the excess within 7 business days.
Annual subscription — early cancellation: If you subscribed on an annual billing plan and choose to cancel before the end of the annual term, no refund is due for the unused months. We recommend monthly billing if you require flexibility.

5. Parent-paid fee transactions

EdCo facilitates fee collection on behalf of schools — it is not the merchant of record for student fee payments made by parents or guardians. Refund requests relating to school fees paid by parents (e.g. fee overpayment, withdrawn student, duplicate challan payment) must be directed to the school directly.

EdCo is not liable for the school's refund decisions regarding parent-paid fee transactions, and we do not process such refunds on the school's behalf unless separately agreed in writing.

6. Payment gateway reversals

Payments processed through our payment partners (e.g. 1Link, Bank Alfalah, Safepay etc.) are subject to the settlement policies of those payment processors. Chargeback or reversal requests initiated through your bank or card issuer must be raised with your financial institution. EdCo will cooperate fully with any legitimate dispute process.

7. Data after cancellation

After cancellation or termination, your data remains available for export for 30 days.
After the 30-day export window, all school and student data is permanently deleted from our servers in accordance with the Privacy Policy.
Financial transaction records (voucher amounts, payment dates, references) may be retained for up to 7 years as required by applicable accounting and tax regulations.
We strongly encourage you to export all records before cancellation takes effect.

8. How to request a refund

To submit a refund request, please contact us within 15 days of the billing date in question:

Please include your school name, the invoice number or transaction reference, the amount in question, and a brief description of the reason for your request. We will acknowledge your request within 2 business days and aim to resolve it within 7 business days.

9. Changes to this policy

We may update this Policy from time to time. Material changes will be communicated by email to the primary admin contact of each school at least 14 days before they take effect. Continued use of EdCo after the effective date constitutes acceptance of the updated Policy.

10. Governing law

This Policy is governed by the laws of the Islamic Republic of Pakistan. Disputes arising under this Policy shall be subject to the exclusive jurisdiction of the courts of Rawalpindi.