1. General Policy
Subscription fees paid to Stockwise Research are non-refundable in the ordinary course, as research services are time-sensitive intellectual deliverables that begin rendering immediately upon activation. However, we recognise that exceptional circumstances may warrant a refund, and this policy sets out those circumstances.
2. 24-Hour Cooling-Off Period
If you have not received any research communication (call, alert, message, or email) from us, you may request a full refund within 24 hours of payment by emailing compliance@stockwiseresearch.in with your payment reference (UTR). The refund will be processed to the original payment method within 7–10 working days.
3. Refund After Service Activation
Once any research communication has been delivered (call, alert, message, or email), the subscription is considered activated and the fee becomes non-refundable. This is because the research has already been rendered and cannot be 'returned'.
However, in case of a documented service failure on our end (e.g. no alerts delivered for 5+ consecutive trading days despite active subscription), a pro-rated refund may be considered at our discretion, calculated based on the unused portion of the subscription period.
4. Refund for Wrong Payment
If you have made a payment to the wrong account (i.e. not our official HDFC Bank account), Stockwise Research is not responsible for refunding such amounts. Please verify bank details on the Bank Details page before making any payment. If you suspect fraud, contact us immediately and file a complaint with your bank and with local law enforcement.
5. Refund Process
To request a refund, please:
- Email compliance@stockwiseresearch.in with subject 'Refund Request'
- Include your name, registered phone number, payment date, UTR and reason
- Our team will review and respond within 3 business days
- Approved refunds will be credited back to the original payment method within 7–10 working days
6. Bank Charges
Any bank charges, payment gateway fees or GST already paid to authorities are non-refundable. Refunds will be processed net of these charges.
7. Grievance
If you are not satisfied with the resolution of your refund request, you may escalate the matter to SEBI's SCORES portal (https://scores.gov.in) or use the SEBI Online Dispute Resolution (ODR) platform at https://smartodr.in/. Our Compliance Officer will provide all necessary assistance.