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Legal Document

Refund & Cancellation Policy

This policy sets out the terms for cancelling your Fintwiz subscription, requesting refunds, and the timelines and conditions that apply. Please read this carefully before subscribing or purchasing any service.

Effective Date: 5 July 2026
Last Updated: 5 July 2026
Applies To: All Fintwiz subscriptions & purchases
Governing Law: Consumer Protection Act 2019, IT Act 2000
Summary: Subscriptions can be cancelled anytime. If cancelled within 7 days of first purchase and no research content has been accessed, you are eligible for a full refund. After 7 days, or once content has been accessed, no refund is issued for the current billing period — but your access continues until the period ends and will not auto-renew. Individual research report purchases are non-refundable once the PDF has been downloaded.
Contents
  1. Who This Policy Applies To
  2. Subscription Cancellations
  3. Refund Eligibility
  4. Research Report Purchases
  5. How to Request a Refund
  6. Refund Processing & Timelines
  7. Auto-Renewal & Billing
  8. Failed Payments & Service Suspension
  9. Exceptional Circumstances
  10. Disputes & Escalation
Section 01

Who This Policy Applies To

This Refund & Cancellation Policy applies to all customers who purchase or subscribe to services offered by Nihar Dutia, SEBI Registered Research Analyst (Reg. No. INH000026026), operating as Fintwiz through fintwiz.com.

This policy covers:

  • Monthly subscriptions (Basic, Beginner, Advance, Pro, Customised, Corporates)
  • One-time research report purchases from the Fintwiz research store (/researches/)
  • Course purchases (when the Courses section is launched)

This policy does not apply to services provided under a separate written enterprise or institutional agreement, which will be governed by the terms of that specific agreement.

Section 02

Subscription Cancellations

How to Cancel

You may cancel your Fintwiz subscription at any time by any of the following methods:

1
Email Request
Send an email to info@fintwiz.com with the subject line "Subscription Cancellation Request" from your registered email address. Include your full name and the plan you wish to cancel.
2
Contact Form
Submit a cancellation request via the Contact form at fintwiz.com/contact/, selecting "Subscription / Billing" as the subject and clearly stating your cancellation request.
3
WhatsApp
Message us on WhatsApp at +91 90821 30936 with your registered email address and cancellation request. Please note that WhatsApp cancellation requests must be confirmed in writing by our team to be effective.
What Happens After Cancellation
  • We will acknowledge your cancellation request within 24 hours of receipt.
  • Your subscription access will continue until the end of the current billing period for which you have already paid. You will not lose access mid-period.
  • Your subscription will not auto-renew after the current period ends.
  • You will receive a cancellation confirmation email to your registered email address.
  • Cancellation does not automatically trigger a refund for the current period — refund eligibility is determined under Section 3 below.
No mid-period access termination: When you cancel, your research access continues until the last day of your paid billing period. You are not penalised for cancelling mid-cycle — you simply will not be charged again.
Section 03

Refund Eligibility

We want you to be satisfied with Fintwiz. Our refund policy balances fair access to research content with the operational realities of a SEBI-registered research practice.

✓ Eligible for Refund
  • Cancellation within 7 days of first-time purchase of a new subscription plan, AND no research content, reports, or alerts have been accessed or downloaded during that period
  • Duplicate or accidental payment for the same subscription in the same billing cycle — full refund of the duplicate charge
  • Technical error resulting in double billing — full refund of the extra amount
  • Service completely inaccessible for more than 72 continuous hours in a billing month due to reasons within our control — pro-rata credit or refund for the affected period
  • Cancellation by Fintwiz for reasons other than breach of Terms — pro-rata refund for unused days
✗ Not Eligible for Refund
  • Cancellation after 7 days from the date of first purchase of a subscription plan
  • Cancellation of a renewal billing (only new first-time subscriptions qualify for the 7-day window)
  • Any subscription where research reports, alerts, or premium content have been accessed, opened, or downloaded during the billing period
  • Dissatisfaction with the research opinion or investment outcome — research is provided in good faith and does not guarantee returns
  • Failure to cancel before an auto-renewal date (we send renewal reminders 7 days in advance)
  • Subscriptions purchased under a promotional or discounted rate are non-refundable unless a specific refund offer was stated at time of purchase
  • Partial-month usage — no pro-rata refund is issued for unused days in a billing period (except in case of Fintwiz-initiated termination or extended service outage)
Why a 7-day window? Research content — including reports, alerts, and sector notes — is intellectual property that has been consumed once accessed. Unlike physical goods, digital research cannot be "returned." The 7-day window with a no-access condition is designed to protect customers who genuinely have not used the service, while recognising that research has ongoing value once it has been read.
Section 04

Research Report Purchases (One-Time)

Individual research reports purchased from the Fintwiz research store (/researches/) are non-refundable once the PDF has been downloaded or delivered to your registered email address. This is because:

  • Research reports are digital goods that are consumed upon download. Once you have access to the full content, the value of the research has been delivered.
  • We cannot verify whether a downloaded report has been read, forwarded, or shared once it leaves our system.
Exceptions for Report Purchases

A refund for a one-time report purchase will be considered only in the following circumstances:

  • Non-delivery: You paid successfully but the report was never delivered and is not available in your account or inbox within 24 hours of purchase. Contact us immediately and we will either deliver the report or process a full refund.
  • Wrong report delivered: A different report from the one you purchased was delivered. We will correct the delivery within 24 hours or issue a full refund if correction is not possible.
  • Corrupt or unreadable file: The delivered PDF is corrupt, password-protected in error, or cannot be opened. We will replace the file immediately or issue a full refund.
  • Technical double charge: You were charged twice for the same report in the same transaction. Full refund of the duplicate charge.
ScenarioRefund OutcomeTimeline
Report not delivered within 24 hoursFull refund OR re-deliveryResolved within 24 hours of complaint
Wrong report deliveredCorrect report delivered OR full refundCorrected within 24 hours
Corrupt / unreadable fileReplacement file OR full refundReplacement within 12 hours
Duplicate paymentFull refund of extra chargeRefunded within 5 working days
Report downloaded and read — change of mindNo refundN/A
Dissatisfied with research opinionNo refund — research reflects analyst's viewN/A
Section 05

How to Request a Refund

To submit a refund request, please follow these steps:

1
Submit your request in writing
Email info@fintwiz.com with the subject line "Refund Request — [Your Name]" from your registered email address.
2
Include the required details
Your full name, registered email address, Razorpay payment ID or order number, the subscription plan or report purchased, the date of purchase, and the reason for your refund request.
3
We acknowledge within 48 hours
Our team will acknowledge your request within 48 hours and may ask for additional information to verify eligibility (e.g., confirmation that no content was accessed in the 7-day window).
4
Decision communicated within 7 working days
We will review your request and communicate our decision within 7 working days. If approved, the refund will be initiated to your original payment method.
5
Refund credited within 5–7 working days of approval
Approved refunds are processed via Razorpay to your original payment method. Bank processing times may add an additional 3–5 working days depending on your card issuer or bank.
Section 06

Refund Processing & Timelines

StageTimeline
Refund request acknowledgedWithin 48 hours of receipt
Eligibility decision communicatedWithin 7 working days of acknowledgement
Refund initiated by Fintwiz to RazorpayWithin 5 working days of approval decision
Credit to your bank/card account5–10 working days from initiation (depending on your bank)
Total maximum timelineUp to 25 working days from request to credit in exceptional cases
  • Refunds are processed exclusively to the original payment method used at the time of purchase. We cannot issue refunds to a different card, bank account, or UPI ID.
  • Refunds are issued in Indian Rupees (INR) regardless of any currency conversion your bank may have applied.
  • Any applicable GST cannot be refunded once a GST invoice has been issued, as GST is a government tax remitted to the authorities. You will receive a credit note for the refunded amount, which you can use for input tax credit claims if applicable.
  • We will send a refund confirmation email once the refund has been initiated. If you do not receive a credit within 15 working days of this confirmation, please contact your bank before reaching out to us.
Section 07

Auto-Renewal & Billing

  • Auto-renewal: All monthly subscriptions automatically renew at the end of each billing period. By subscribing, you authorise Razorpay to charge your stored payment method on each renewal date.
  • Renewal reminders: We will send an email reminder to your registered email address 7 days before each renewal, including the amount that will be charged and instructions on how to cancel if you do not wish to renew.
  • Cancellation deadline: To avoid being charged for the next period, you must cancel your subscription at least 24 hours before the renewal date. Cancellations received on the renewal date itself cannot be guaranteed to prevent the charge.
  • Failed renewal: If your renewal payment fails, we will attempt to re-process the payment up to 3 times over 7 days. If all attempts fail, your subscription will be suspended and you will be notified by email.
  • Plan changes: Upgrades to a higher plan take effect immediately, with a pro-rata charge for the remainder of the current billing period. Downgrades take effect at the start of the next billing period.
Renewal reminder policy: While we make every effort to send renewal reminders, failure to receive a reminder due to email delivery issues or spam filtering does not entitle you to a refund of the renewal charge. It is your responsibility to monitor your subscription status and cancel before the renewal date if you do not wish to continue.
Section 08

Failed Payments & Service Suspension

If a subscription payment fails (due to insufficient funds, expired card, or bank decline):

  • We will notify you by email immediately and attempt to re-process the payment 3 times over 7 days.
  • During the retry period, your subscription access will continue for up to 72 hours before being suspended.
  • If payment is not successfully collected after 7 days, your subscription will be suspended. You will lose access to premium content until payment is made.
  • To reactivate a suspended subscription, you may update your payment method via Razorpay's customer portal or contact us at info@fintwiz.com.
  • A subscription that has been suspended for more than 30 days due to non-payment will be permanently terminated. Re-subscribing will be treated as a new first-time subscription.
Section 09

Exceptional Circumstances

We recognise that extraordinary situations can arise. We will consider refund or credit requests outside the standard policy in the following circumstances, evaluated on a case-by-case basis:

  • Serious medical emergency or bereavement: If you are unable to use our services due to a serious medical emergency or the death of an immediate family member, please contact us with supporting documentation. We will consider an appropriate pro-rata refund or credit extension.
  • Extended service outage: If fintwiz.com is inaccessible for more than 72 continuous hours due to reasons within our control (server failure, technical fault, etc.), we will issue a pro-rata credit or refund for the affected period, calculated from day 3 of the outage onwards.
  • Regulatory order: If SEBI or any other competent authority issues an order restricting Fintwiz from providing services, all affected subscribers will receive a full pro-rata refund for the affected period without needing to make a request.
Exceptional circumstance requests will be reviewed personally by Nihar Dutia (Principal Officer) and a decision communicated within 10 working days. Decisions on exceptional requests are final and made in good faith at our sole discretion.
Section 10

Disputes & Escalation

If you are dissatisfied with our refund decision or the handling of your cancellation request, you may escalate through the following channels:

Step 1 — Internal Grievance
Grievance Officer
Nihar Dutia
grievance@fintwiz.com
Response within 30 days
Step 2 — SEBI SCORES
For RA service complaints
scores.sebi.gov.in
smartodr.in
Step 3 — Consumer Forum
Consumer Disputes
Consumer Protection Act 2019
District Consumer Disputes Redressal Forum
applicable to your jurisdiction
Payment Dispute
Razorpay Support
For payment gateway issues:
razorpay.com/support/

We are committed to resolving all disputes fairly and promptly. If you have any concerns, please reach out to us first at info@fintwiz.com — most issues can be resolved quickly through direct communication.

Nihar Dutia trading as Fintwiz  |  SEBI Research Analyst Reg. No.: INH000026026 (Individual)  |  BSE Enlistment No.: 7156
Website: fintwiz.com  |  Support: info@fintwiz.com  |  Grievances: grievance@fintwiz.com

This Refund & Cancellation Policy was last updated on 5 July 2026. It should be read together with our Terms of Use and Privacy Policy. This policy is intended as a working draft and should be reviewed by a qualified legal professional before publication, particularly with respect to Consumer Protection (E-Commerce) Rules 2020 and any applicable GST regulations.