Refund & Cancellation

1. Governing Framework & Digital Consumption Philosophy

The Refund and Cancellation Policy of ChartX Capital Private Limited ("ChartX", "the Company") is architected to balance consumer flexibility with the protection of our proprietary intellectual property. In the digital FinTech landscape, the consumption of "Research Intelligence" is instantaneous. By subscribing to any ChartX tier, you acknowledge that you are gaining immediate access to high-value data-streams, proprietary algorithms, and institutional-grade research that cannot be "returned" in the traditional sense.

This Policy is compliant with the Consumer Protection Act, 2019 (India) and aligns with global digital service standards. Our virtual-first billing nexus ensures that all financial interactions are logged with millisecond precision, providing a transparent audit trail for both the Company and the Client.

2. Granular Subscription Lifecycle Management

We empower our users with full autonomy over their financial commitments. You may initiate a cancellation or modification of your plan at any time through our automated "Billing Dashboard."

A. Monthly "Flex" Tiers

Monthly subscriptions are designed for short-term research needs. When you cancel a monthly plan:

• Access Continuation: You will retain full "Pro" or "Institutional" access until the exact second your current 30-day cycle expires.
• No Prorated Reversals: We do not provide partial refunds for the "unused" days of a monthly cycle. The fee covers the initial delivery of research intelligence for that period.

B. Annual "Commitment" Tiers

Annual plans offer significant cost savings in exchange for long-term commitment. However, we offer a "30-Day Evaluation Window" for annual subscribers:

• If you cancel within the first 30 days of an annual term, you are eligible for a partial refund.
• The refund will be calculated by deducting the Standard (Non-Discounted) Monthly Rate for the first month + a 15% "Infrastructure Setup & API Licensing Fee."
• After the 30th day, the annual subscription becomes non-refundable, representing a fixed-term research commitment.

3. The "Institutional" Non-Refundability Mandate

The Institutional Tier is a custom-provisioned service. Upon activation, ChartX incurs significant upfront costs, including:

• Dedicated API Provisioning: Allocating specific high-bandwidth bridges to exchange data-servers.
• Security Hardening: Implementing bespoke IP-whitelisting and MFA-enforcement for your trading desk.
• Onboarding Resources: Human-capital hours dedicated to strategy integration and technical training.

Consequently, all payments for the Institutional Tier—including annual fees, volume-based API charges, and custom integration costs—are Strictly Non-Refundable. We strongly recommend that institutional clients perform a thorough evaluation during the "Pro Trader" phase before upgrading.

4. Digital Goods: The "Consumed Knowledge" Clause

Certain products within the ChartX ecosystem are considered "Consumed Knowledge" immediately upon delivery and are exempt from any refund or reversal:

5. Systemic Failure & "Uptime Credits"

We pride ourselves on the resilience of our "Obsidian" infrastructure. However, if a Systemic Server Failure prevents you from accessing the terminal for more than 48 cumulative hours during a single trading week, we will issue "Uptime Credits."

• Calculation: Credits are applied as an extension to your billing cycle (e.g., 2 days of outage = 5 days of free extension).
• Exclusions: This does not apply to interruptions caused by your ISP, local hardware, regional internet shutdowns, or outages at external brokers (Zerodha, Kotak Neo, Upstox).

6. Chargeback Forensic Protocols & Anti-Fraud

Initiating a "Friendly Fraud" chargeback through your bank without first attempting to resolve the issue with our Finance Desk is considered a Material Breach of Trust. In such events:

• Immediate Blacklisting: Your account, IP range, and verified identity tokens will be permanently banned from all ChartX services.
• Data Portability Forfeiture: All custom chart layouts and research logs stored in the cloud will be permanently purged to mitigate risk.
• External Reporting: We report fraudulent chargebacks to global FinTech fraud databases (Sift, Ethoca) and credit bureaus, which may impact your future access to digital financial services.