Refund & Cancellation Policy

01Billing

• Paid plans (Starter, Pro, Elite, Quant) are billed monthly in advance in Indian Rupees through our payment aggregator (currently Razorpay). GST applies where applicable and is shown at checkout.
• Your plan and its features activate immediately upon successful payment, and an invoice is recorded in your billing history in the app.
• We never see or store your card, UPI or netbanking credentials — these are handled entirely by the payment aggregator.

02Cancellation

• You may cancel your subscription at any time from Settings in the app, or by emailing hello@munafa.io from your registered email.
• Cancellation takes effect at the end of your current billing period. You keep full access to your plan's features until then, after which your account moves to the lowest available tier or becomes read-only.
• Cancelling stops future charges. It does not, by itself, trigger a refund of the current period (see Section 03).
• Note for early-access users: cancelling may end any founding-pricing commitment; re-subscribing later will be at then-current prices.

03Refunds

3.1 When refunds are issued

• Duplicate payment — if you are charged more than once for the same billing period, the duplicate amount is refunded in full.
• Payment without activation — if a payment succeeds but your plan is not activated and we cannot fix it within 72 hours of your report, the payment is refunded in full.
• Sustained service failure — if a verified, platform-wide outage makes the core Service unusable for more than 72 consecutive hours in a billing period, you may request a pro-rata refund or credit for the affected days.
• Discontinuation — if we discontinue the Service, prepaid unused fees are refunded pro-rata.
• First subscription, 7-day window — if this is your first ever paid subscription on Munafa and the product is not what you expected, you may request a full refund within 7 days of the first charge. This applies once per user, to the first charge only, and may be refused where usage indicates abuse of the window (e.g. bulk exporting analyses and then requesting a refund).

3.2 When refunds are not issued

• Partial or unused time in a billing period after cancellation (other than the cases above);
• Renewal charges you forgot to cancel before the renewal date, once the new period has begun and the service was available — contact us quickly, though: if you write to us within 48 hours of a renewal and have not used the Service in the new period, we will refund it as a goodwill measure;
• Dissatisfaction with analysis outcomes or trading losses — subscription fees pay for access to software tools, not for results; an unprofitable verdict is not a defect (see the Disclaimer & Risk Disclosure);
• Account suspension or termination for breach of the Terms;
• Failures of third parties outside our control (your broker, your bank, messaging platforms), except as covered in 3.1.

3.3 How refunds are processed

• Request by email to hello@munafa.io from your registered email, with the payment/order ID (visible in your billing history).
• We acknowledge within 48 hours and decide within 7 business days.
• Approved refunds are issued to the original payment method via the payment aggregator and typically reflect in 5–10 business days, depending on your bank. GST on refunded amounts is adjusted per applicable tax rules.

04Plan changes

• Upgrades take effect immediately; you pay the new plan's price at the next billing cycle (or a pro-rated difference where the checkout indicates so).
• Downgrades take effect at the end of the current billing period. Features and limits of the lower plan then apply; no refund is due for the difference during the running period.

05Chargebacks

If you raise a chargeback with your bank instead of contacting us first, we may suspend the account pending resolution and provide the payment aggregator and bank with usage evidence. Please give us the chance to fix billing problems directly — it is almost always faster.

06Contact