Refund & Cancellation Policy

This policy explains when you can cancel a subscription to VK Investing, when a refund is available, and how to request one. It forms part of our Terms of Service.

1. Nature of the product

VK Investing provides digital educational content delivered instantly upon payment. Because content is accessible immediately, subscriptions are generally non-returnable in the way a physical good would be. The refund rights set out below are offered by us voluntarily, in addition to any rights you have under applicable law.

2. Cancelling your subscription

2.1 How to cancel

You may cancel at any time by either:

• Using the cancellation option in your account page; or
• Emailing us at connect@vkinvesting.com from your registered email address.

2.2 What happens when you cancel

• Auto-renewal stops immediately — you will not be charged again;
• You keep full access until the end of the period you have already paid for;
• Cancellation alone does not trigger a refund of the current period, unless one of the situations in Section 3 applies.

2.3 Cancel before renewal

To avoid being charged for the next cycle, cancel at least 24 hours before your renewal date. We send a renewal reminder by email in advance, but it remains your responsibility to cancel in time.

3. When you can get a refund

3.1 First-time subscriber — 7-day goodwill refund

If you are subscribing for the first time and find within 7 calendar days that the Service is not what you expected, you may request a full refund, no explanation required.

This applies once per person and is not available on renewals or repeat subscriptions.

3.2 Technical failure on our side

If you paid but could not access the content you were entitled to, and we were unable to resolve it within a reasonable time, you are entitled to a full refund.

3.3 Duplicate or incorrect charge

If you were charged more than once for the same period, or charged an incorrect amount, we will refund the excess in full.

3.4 Unauthorised transaction

If a payment was made from your account without your authorisation, contact us immediately and also inform your bank or card issuer. We will investigate and refund where the claim is substantiated.

3.5 If we discontinue a paid service

If we withdraw, suspend or materially reduce a paid offering — including for regulatory reasons — we will refund the unused portion of your subscription on a pro-rata basis.

4. When a refund is not available

Refunds will not ordinarily be granted where:

• The 7-day window has passed and none of the situations in Section 3 applies;
• The request relates to a renewal that you did not cancel in time;
• You have downloaded or substantially consumed the paid materials (for example, downloaded model files) and then request a refund;
• You are dissatisfied because a market or share price moved in a way you did not expect — we do not provide investment advice, price targets or return expectations, so market outcomes are not a service failure;
• You disagree with an opinion, assumption or methodology expressed in our educational content;
• Your access was terminated for breach of our Terms — including sharing credentials, redistributing paid content, or scraping;
• The request is made in bad faith or forms a pattern of repeated subscribe-and-refund behaviour.

5. How to request a refund

Email connect@vkinvesting.com from your registered email address with:

1. Your registered email address;
2. The payment or order ID (from your invoice email);
3. The date of payment;
4. The reason for the request.

6. Processing timeline

Refunds are made to the original payment method only. We cannot refund to a different card, account or UPI ID.

7. GST on refunds

Our prices are inclusive of GST. Where a refund is approved, the full amount you paid — including the GST component — is refunded, and the corresponding tax credit is adjusted in our returns as required.

8. Payment gateway

Payments and refunds are processed through Razorpay Software Private Limited. Once we initiate a refund, the time taken for the money to reach you depends on Razorpay, your bank and your card network. Delays at that stage are outside our control.

9. Chargebacks

If you have a concern, please contact us before raising a chargeback with your bank. We will almost always resolve a legitimate issue faster than a chargeback process can. Accounts subject to a chargeback may be suspended pending resolution.

11. Limitation of responsibility

For the avoidance of doubt, and consistent with our Terms of Service:

• We are not responsible for any investment loss, trading loss or market outcome, and no such loss is a valid ground for a refund. We publish educational content and do not provide advice, recommendations or price targets;
• We are not responsible for delays in refund settlement caused by the payment gateway, your bank, or your card network once we have initiated the refund;
• We are not responsible for a refund failing because the original payment method has been closed, expired or blocked;
• We are not responsible for any consequence of your failure to cancel before a renewal date;
• Our total liability in connection with any refund claim shall not exceed the amount you actually paid for the relevant billing period.

12. Disputes

Any dispute relating to a payment or refund shall be governed by the laws of India, and the courts of competent jurisdiction in Bihar, India shall have exclusive jurisdiction. You agree to first raise the matter with us in writing and allow 15 working days for resolution before pursuing any other remedy.

13. Contact