UMI

Refunds and cancelling

You can cancel Umiko Plus at any time, in one press, and you will never be charged again. Here is exactly when money moves and when it comes back.

Last updated: 10 November 2026

The free week

  • Umiko Plus starts with 7 free days. You set up UPI Autopay or a card, and pay ₹0 that day.
  • Your bank may hold a small amount to check the payment method. It is returned, usually within a few days.
  • Cancel before day 8 and you are never charged. You keep Umiko Plus until the week ends.
  • Each family gets one free week.

How you are charged

  • On day 8, ₹499 is charged automatically, and then once a month on the same date. A third child is ₹199 a month more, as a separate Autopay.
  • Prices include GST.
  • Your bank tells you before each charge, as the Reserve Bank of India's rules require.
  • Payments are handled by Razorpay. Umiko never sees or keeps your card or UPI details.
  • If we ever change the price, we will tell you before your next charge, and you can cancel first.

Cancelling

  • Sign in, open "Plus", and press "Cancel Umiko Plus". That is all. No call, no form, no questions.
  • You are not charged again.
  • Umiko Plus stays on until the end of the month you already paid for. Then your family moves to the free plan.
  • Nothing is deleted. Your children keep their work, their words and their Umiko.
  • You can also cancel the Autopay in your UPI app or with your bank. It has the same effect.
  • Deleting your family cancels Umiko Plus first.

Refunds

  • Your first charge: refunded in full if you ask within 7 days of it, for any reason.
  • A charge made by mistake, such as a double charge or a charge after you cancelled: always refunded in full, whenever you tell us.
  • Later months: a month that has started is not refunded in part. Cancel, and no further month is charged.
  • Refunds go back to the card or UPI account you paid with, usually within 5 to 7 working days.

To ask for a refund, write to us from the number or email you signed up with and tell us the date of the charge.

If a payment fails

Your bank is asked again over the next few days, and Umiko Plus stays on meanwhile. If it still fails, Umiko Plus switches off and your family moves to the free plan. Nothing is deleted, and you can start again whenever you like.

Discount codes

  • Enter a code on your family page before you start. It comes off the price every month you stay.
  • One code per family. A code may have an end date or a limit on how many families can use it.
  • Some codes are a free pass: Umiko Plus is switched on for your whole family for a set time with nothing to pay and no payment details. When it ends, your family moves to the free plan unless you choose to subscribe.
  • A code has no cash value and cannot be exchanged for money.

Delivery

Umiko is a website and app. Nothing is shipped; Umiko Plus is on the moment your payment method is set up.

If something is wrong

See Complaints for how we handle a problem and how fast. The plans are on the Pricing page.