Terms, disclaimer and refunds

The Personalized Bank Correspondence Pack prepares editable bank information requests, factual follow-ups and document-submission cover notes, with a factual case brief and document index, using details you record. Follow-ups require an actual earlier communication. Cover notes require the actual bank request and your selected intended attachments.

Account Freeze Navigator is not a law firm and does not create a lawyer-client relationship. Legal advice, legal opinions, legal notices, Ombudsman complaints, formal RTI filing, police/court/tax representations and legal strategy are not included. We do not represent you, contact a bank or authority for you, submit documents, or provide advocate review.

Documents are composed by software from fixed ordinary wording and the facts you record. No AI model drafts this edition. Information is not independently checked and no lawyer reviews the documents. Software and recorded information can contain errors or omissions.

You must check every document before use. Check names, account references, dates, amounts, earlier communications and intended attachments. User edits are under your control and are not verified. You decide what to sign, send, to whom, and when. Do not submit information you know to be untrue. Answer authorities truthfully and do not ignore notices or summonses. Seek an appropriately qualified professional for legal advice.

We do not promise, guarantee or predict that your account will be unfrozen, that money will be released or recovered, or that any bank or authority will respond. No merits ratings, remedy selection, compensation estimates or outcome timelines are provided. Outcomes depend on facts and decisions outside our control.

New purchases use PayU hosted checkout. The server controls the INR amount and issues access only after a captured payment is verified. After returning from checkout, click Check payment status to confirm payment and save access. A browser return or paid flag does not grant access. Later price changes do not shorten an existing purchase’s access window or require an additional payment for those same rights.

The fixed 90-day window starts when checkout is prepared. It covers creating and refreshing factual correspondence for that case under reasonable personal use; it is not a subscription or an automatically renewing window. There is no enforced numeric creation quota. Conditional documents can be created later in that window once their actual inputs are recorded. The fee covers documents, not a result.

Documents are created and downloaded on this website. No email fulfilment is provided. Downloads are editable/copyable HTML and a JSON case file; browser printing is not a native PDF or DOCX export. Saved documents remain yours after the creation window ends. Keep your backups.

Your facts, original composed documents and user edits are saved in this browser, with no customer account or server-held case database. New document creation sends only the opaque case identifier and signed access token to our server. It does not send recorded facts, account numbers, document text or narrative to a model or to our composition endpoint.

Checkout separately uses payer name, email and phone. PayU receives payment fields, not the case or case identifier. Verification logs are limited to payment references, status, stage, reason and time. Hosting and payment providers have their own data practices. Read the privacy description.

Browser storage, local archives and exported case files are not encrypted. Anyone with access can read account/reference numbers and saved access. Clearing site data, private browsing or changing device can lose work. There is no automatic cross-device recovery, and we cannot retrieve or resend a case we do not hold.

The fee paid for your purchase is for creating and downloading the available correspondence, not for any result. Once documents are delivered they cannot be returned; the fee is not refundable on the basis that an account was not unfrozen or that an authority did not respond.

If you experience a technical problem, such as being charged but not receiving your documents, contact support.freezemate@gmail.com, using the subject Account Freeze Navigator Support – Payment Issue or Account Freeze Navigator Support – Technical Issue. Include your bank name, approximate payment date and time, the PayU transaction ID, and the error message. Do not send passwords, OTPs, PINs or full card details. We will never ask for them.

Where a technical fault meant you were charged but received no documents, we will refund you in full.

The service and the documents are provided "as is", without warranty of any kind, express or implied, including as to accuracy, completeness, currency or fitness for a particular purpose.

To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of the service or the documents, including any loss of money, delay, adverse decision, or action taken by any bank, authority or court. Where liability cannot lawfully be excluded, it is limited to the amount you paid us. Nothing here excludes any liability that cannot be excluded under applicable law, including the Consumer Protection Act, 2019.

Account Freeze Navigator is owned and operated by Saumya Gupta, an individual.

For payment problems, technical faults or questions about these terms, contact support.freezemate@gmail.com. These terms are governed by the laws of India.