Apna Munshi

Refund, Cancellation and Delivery Policy

Last updated 13 October 2026 · Terms of Service · Privacy Policy

Apna Munshi (apnamunshi.com) is business software run by MGH. You pay in Pakistani rupees for the modules you choose, monthly or yearly, at the prices on our pricing page. This page explains how the service is delivered, how to cancel and when we refund.

Free trial

Every module has a free trial. Nothing is charged during the trial and no card or wallet details are needed. If you do not pay when the trial ends, the account simply becomes read-only; you can still see and download your data.

How the service is delivered

• Apna Munshi is online software. Nothing physical is shipped; you use it in a web browser or as an app on your phone or computer.
• Payments by JazzCash, Easypaisa or card are confirmed by the payment company, and your plan is switched on straight away.
• Bank transfers and Raast payments are checked by our team, usually within one working day, and the plan is switched on as soon as the payment is confirmed.
• Every payment has an invoice in the app, on the "Mera plan" (My plan) screen.

Cancelling

• We never charge you automatically. Each month or year you choose to pay; if you do not pay again, the plan ends at the end of the period you paid for.
• You can stop at any time, or remove a module, from the app or by messaging us. There is no cancellation fee.
• After the plan ends, the account is read-only for you to look at and download your records. You can close the account and delete your data at any time (see the Privacy Policy).

Refunds

We give a full refund when:

• you were charged twice for the same invoice, or charged more than the invoice amount (we refund the extra);
• you paid but your plan was not switched on and we could not fix it within 2 working days;
• you paid for a yearly plan and ask for a refund within 7 days of paying.

Monthly payments are not refunded once the month has started, because the free trial lets you try every module first. A plan you stop keeps working until the end of the period already paid for.

How to ask for a refund

• Send your business name, the invoice number or the transaction ID, and the reason on WhatsApp to +92 320 7860440 or by email to support@apnamunshi.com.
• We reply within 2 working days.
• An approved refund is sent back to the same JazzCash or Easypaisa account, card or bank account you paid from, within 7 to 10 working days. Card refunds can take longer to show, depending on your bank.

Failed payments

If money was taken from your wallet or account but the payment shows as failed, it is normally reversed by the payment company within a few working days. If it is not, message us with the transaction ID and we will check it with the payment company and refund you if we received it.

Contact

WhatsApp +92 320 7860440 · support@apnamunshi.com · Pizzito, near Nagina Sweet and Bakery, Block A, Samanabad, Faisalabad · All contact details