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Subscription FAQ

8 min read

Overview

Quick answers to common questions about subscriptions, payments, plan changes, and account management.

General Questions

What subscription plans does Riafin offer?

Riafin offers four plans:

  • Starter (Free): ₹0 - Basic features for new advisors
  • Bronze: ₹9,990/year + GST - For growing practices
  • Silver: ₹19,990/year + GST - For established advisors
  • Gold: ₹39,990/year + GST - For multi-advisor firms

View detailed plan comparison

Can I try Riafin before paying?

Yes! The Starter (Free) plan allows you to test the platform indefinitely. You get basic profile visibility and have a fixed limit of 20 prospect views. Upgrade anytime when you're ready.

Is there a setup fee?

No, there are no setup fees for any plan. You only pay the annual subscription fee.

Can I pay monthly instead of annually?

No, Riafin only offers annual billing. This helps us keep costs lower and ensures committed advisors on the platform.

Billing & Payments

What payment methods are accepted?

We accept:

  • Credit/Debit cards (Visa, Mastercard, RuPay)
  • UPI (Google Pay, PhonePe, Paytm, etc.)
  • Net banking (50+ Indian banks)
  • Wallets (Paytm, Mobikwik, etc.)

All payments are processed securely through Razorpay.

Is GST included in the price?

No, GST (18%) is added to the subscription price at checkout. For example:

  • Bronze Plan: ₹9,990 + ₹1,798 GST = ₹11,788 total

When will I be billed?

  • New subscriptions: Immediately upon signup
  • Renewals: Automatically on your anniversary date
  • Upgrades: Prorated charge immediately
  • Invoices sent: 7 days before renewal

What happens if my payment fails?

  • 7-day grace period to update payment method
  • Account remains active during grace period
  • Multiple retry attempts
  • Downgraded to Free plan if not resolved

Can I get a refund?

No refunds. All subscription payments are final and non-refundable. This includes:

  • Annual subscription fees
  • Prorated upgrade payments
  • Lead purchases
  • Any other charges

Before subscribing: Use the Free plan to evaluate the platform thoroughly. Once you upgrade to a paid plan, no refunds will be issued.

How do I get my invoices?

Invoices are available in your dashboard:

  1. Go to /pro/dashboard/invoices
  2. View and download PDF invoices
  3. Invoices include payment details for tax purposes

Plan Changes

How do I upgrade my plan?

  1. Log in to Pro Dashboard
  2. Go to /pro/dashboard/billing
  3. Click "Upgrade Plan"
  4. Select new plan and complete payment
  5. Features and limits activate immediately after payment verification (typically 5-10 minutes). Your next billing date remains the same.

Detailed upgrade guide

How do I downgrade my plan?

  1. Go to /pro/dashboard/billing
  2. Click "Request Downgrade"
  3. Select new plan
  4. Downgrade takes effect IMMEDIATELY
  5. NO REFUND - you lose all money paid for the higher plan
  6. All higher-tier benefits are removed immediately

What is prorated billing?

When upgrading mid-year, you only pay for the remaining time:

  • Calculate difference between old and new plan
  • Multiply by remaining months
  • Pay only that amount

Example: Upgrading from Bronze to Silver with 6 months left = ₹5,000 (not ₹19,990)

Can I cancel anytime?

Yes, you can cancel anytime:

  • Subscription reverts to Free plan immediately
  • No refunds for unused time
  • Profile remains visible with Free plan limits
  • Can upgrade again anytime

What happens to my profile and data if I cancel?

  • Your account reverts to Free plan immediately
  • Profile remains visible with Free plan limits (basic listing, 1 location, 1 license)
  • Paid-only features stop displaying publicly (multiple locations, premium visibility, etc.)
  • Your CRM data, lead history, and orders remain accessible in your dashboard
  • Export functionality is not currently available
  • You can reactivate a paid plan anytime to restore full features

Note: Your data is NOT deleted. However, premium features and enhanced visibility available to paid subscribers are disabled immediately upon cancellation.

Features & Limits

What are the main differences between plans?

Key differences include:

  • Lead limits: 0/month (Free) to 6/month (Gold)
  • Prospect views: 20 (Free) to 100 (Gold)
  • Locations: 1 (Free) to 5 (Gold)
  • Licenses: 1 (Free) to 5 (Gold)
  • Reviews: 5 (Free) to 300 (Gold)
  • Support: Email to high priority phone/chat
  • Discounts: 0% to 20% on lead purchases

Full feature comparison

What happens if I exceed my limits?

Prospect View Limit:

  • Fixed limit based on your plan (Free: 20, Bronze: 40, Silver: 60, Gold: 100)
  • This is a fixed cap on how many prospects you can browse in the marketplace
  • Limit does not reset monthly — it's a persistent cap based on your current plan
  • Upgrade your plan to increase this limit immediately

Lead Purchase Limit:

  • Purchase additional leads at full price
  • No hard limit on purchases

Locations/Licenses/Reviews:

  • Must remove excess before they become visible
  • System will prompt you
  • Grace period to comply

Do free leads roll over to next month?

No, unused free leads do not roll over. They reset each month:

  • Free: 0/month (no rollover)
  • Bronze: 1/month (no rollover)
  • Silver: 3/month (no rollover)
  • Gold: 6/month (no rollover)

Can I buy leads without a paid plan?

Yes! Free plan advisors can purchase leads individually. However, you:

  • Pay full price (no discount)
  • Don't get free monthly leads
  • Have limited prospect views (20)

What's the difference between "free leads" and "prospect views"?

Free Leads:

  • Retail unmatched leads included with paid plans
  • Convert to active leads at no cost
  • Count toward monthly limit
  • Don't roll over

Prospect Views:

  • Fixed limit of how many prospects you can browse in marketplace
  • Limit is only on just viewing, not buying
  • Higher plans have higher fixed limits
  • Prospects can be purchased after viewing

Profile & Account

What happens to my profile if I downgrade?

If you have more locations/licenses than your new plan allows:

  • Must remove excess before downgrade takes effect
  • System will notify you
  • You choose which to keep
  • Excess reviews may be archived

Can I pause my subscription?

No, annual subscriptions cannot be paused. Options:

  • Cancel and rejoin later (your plan reverts to Free, but data remains accessible)
  • Stay on Free plan
  • Contact support for special circumstances

Can multiple advisors share one subscription?

No, each advisor needs their own subscription. Each advisor must have their own paid subscription.

What is the lock-in period?

The lock-in period is a 90-day commitment period that activates when you upgrade from the Free plan to any paid plan (Bronze, Silver, or Gold).

How It Works:

  • Free plan users: Can upgrade anytime without restrictions
  • After upgrading to paid plan: 90-day lock-in period starts immediately
  • During lock-in: Cannot downgrade, cancel, or change plans
  • After 90 days: Lock-in expires, and you can change plans freely

Purpose: The lock-in period prevents frequent plan changes and ensures commitment to your chosen plan level.

Check Your Lock-in Status:

  • View your subscription details in /pro/dashboard/billing
  • Lock-in end date is displayed if you're on a paid plan
  • Contact support if you need to make urgent changes during lock-in

Support & Help

How do I contact billing support?

Email: prosupport@riafin.com Include:

  • Invoice number
  • Transaction date
  • Issue description
  • Screenshots if helpful

Response time: 24-48 hours

How do I get technical support?

Free Plan:

  • Email support only
  • Response time: 24-48 hours

Bronze Plan:

  • Priority email support
  • Response time: 12-24 hours

Silver/Gold Plans:

  • Phone and WhatsApp chat support
  • Priority response

Where can I see my current plan details?

Go to /pro/dashboard/billing

  • Current plan name
  • Billing cycle dates
  • Usage statistics
  • Limits and current usage
  • Upgrade options

ROI & Value

Is a paid plan worth it?

Typical ROI:

  • Bronze Plan: ₹11,788/year
  • Average client value: ₹3,50,000 lifetime
  • Need just 1 client every 30 years to break even
  • Most advisors convert 2-10+ clients/year

Consider:

  • Your capacity for new clients
  • Average client value
  • Conversion rate
  • Growth goals

Calculate your ROI

What's the difference between plans in terms of ROI?

All plans offer excellent ROI:

  • Bronze: Need 1 client/30 years to break even
  • Silver: Need 1 client/14 years to break even
  • Gold: Need 1 client/7 years to break even

Higher plans offer:

  • More visibility = more leads
  • Higher discounts = lower lead costs
  • Better support = faster issue resolution

Can I deduct Riafin subscription as business expense?

Yes! Subscription fees are legitimate business expenses:

  • Deductible from taxable income
  • GST input credit available (if registered)
  • Keep invoices for 7 years
  • Consult your accountant

Troubleshooting

I was charged twice. What should I do?

  1. Check if one is a hold (will drop off)
  2. Check dashboard for duplicate subscriptions
  3. Email prosupport@riafin.com with:
    • Both transaction IDs
    • Invoice numbers
    • Date/time of charges

My plan didn't upgrade after payment.

  1. Log out and log back in
  2. Clear browser cache
  3. Check /pro/dashboard/billing
  4. Allow 5-10 minutes for processing
  5. Contact support with transaction ID if still issues

I can't downgrade due to limits.

  1. Remove excess locations at /pro/dashboard/advisor/edit
  2. Archive excess reviews (Reviews section)
  3. Retry downgrade request
  4. You have until effective date to comply

Can't find your question? Contact our support team and we'll help you out.

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