Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy ("Policy") explains the terms under which refunds, cancellations, course transfers, and related requests may be handled by ChartWise Academy ("ChartWise Academy," "we," "us," or "our").

ChartWise Academy provides educational courses and learning resources relating to financial markets, including:

• Intraday Trading
• Swing Trading
• Options Trading
• Investment
• Commodity Trading
• Cryptocurrency
• Forex
• Technical Analysis
• Fundamental Analysis
• Quantitative Trading
• Algorithmic Trading
• Risk Management
• Trading Psychology

By purchasing a course, subscription, workshop, or other paid service from ChartWise Academy, you acknowledge that you have had an opportunity to review the applicable course description, inclusions, pricing, access period, and this Refund & Cancellation Policy.

This Policy forms part of the ChartWise Academy Terms & Conditions.

2. Important Principle

ChartWise Academy aims to provide clear information about its courses and paid services before purchase. We encourage customers to review:

• Course description
• Curriculum
• Course duration
• Course format
• Delivery method
• Access period
• Included features
• Pricing
• Applicable taxes
• Refund conditions
• Any course-specific terms

— before completing a purchase. Nothing in this Policy is intended to restrict any consumer right or other right that cannot legally be excluded or limited under applicable law.

3. Nature of Our Products

ChartWise Academy may offer different types of educational products, including:

• A. Digital Courses — Pre-recorded or digitally delivered educational courses.
• B. Live Courses — Courses involving scheduled live online classes, workshops, webinars, or interactive sessions.
• C. Hybrid Courses — Courses combining live sessions with recorded or downloadable educational materials.
• D. Educational Resources — Examples may include:
  • E-books
  • PDFs
  • Worksheets
  • Templates
  • Recordings
  • Study materials
  • Calculators
  • Tools
  • Other digital resources
• E. Subscriptions or Memberships — Recurring access to specified educational content, communities, resources, or services.

Different products may have different refund conditions. The terms shown on the relevant product or checkout page will apply together with this Policy.

4. General Refund Policy

Unless a different refund period is expressly stated on the relevant course or product page: Customers may request a refund within 7 calendar days from the date of purchase, subject to the eligibility conditions described below.

A refund request does not automatically guarantee approval.

The request will be reviewed against:

• The applicable refund period
• Course access and usage
• Downloaded materials
• Attendance
• Participation
• Nature of the product
• Product-specific terms
• Technical circumstances
• Applicable law

Where a refund is approved, the amount refunded may be subject to deductions permitted by applicable law and the terms disclosed at the time of purchase.

5. Digital Course Refunds

Because many ChartWise Academy courses provide immediate access to digital educational content, including videos, PDFs, recordings, tools, and other materials, refunds may be subject to usage conditions.

A refund request may be considered where the customer has:

• Requested the refund within the applicable refund period
• Not substantially consumed the course
• Not downloaded substantial course materials
• Not shared or redistributed course content
• Complied with the applicable course terms

Where a customer has substantially accessed, consumed, downloaded, copied, or otherwise used the digital content, ChartWise Academy may decline the refund to the extent permitted by applicable law.

6. Course Access and Refund Eligibility

For digital courses, the following factors may be considered when evaluating a refund request:

• Number of lessons accessed
• Percentage of course completed
• Videos watched
• Materials downloaded
• Assignments submitted
• Assessments completed
• Live sessions attended
• Course resources accessed
• Use of member-only tools or services
• Other material use of the purchased service

This is intended to prevent abuse of a refund policy where substantial educational content has already been consumed.

7. Live Course Refunds

For live courses, workshops, bootcamps, or scheduled training programs, refund eligibility may depend on the timing of the cancellation.

Before the Program Begins

A refund request received before the scheduled start date may be considered subject to the course-specific refund terms.

After the Program Begins

Once live instruction has commenced, refunds may be limited because:

• Seats may have been reserved
• Instructor time may have been allocated
• Live sessions may have been delivered
• Course materials may have been provided
• Access to recordings or resources may have commenced

Any applicable course-specific cancellation terms will be disclosed before purchase.

8. Course-Specific Refund Terms

Certain courses, workshops, mentorship programs, events, or special offers may have specific refund conditions. Where such terms are clearly disclosed before purchase, those terms will apply to the relevant product.

Examples may include:

• Different refund periods
• No-refund promotional offers
• Enrollment deadlines
• Cohort-specific conditions
• Transfer options
• Rescheduling provisions
• Special cancellation conditions

If there is a conflict between this general Policy and a specific refund term clearly displayed before purchase, the specific disclosed term will govern to the extent permitted by applicable law.

9. Subscriptions and Memberships

If ChartWise Academy offers subscription-based services, the subscription terms will specify:

• Billing frequency
• Subscription price
• Renewal date
• Cancellation process
• Access period
• Refund eligibility
• Any applicable notice requirements

Customers may cancel future renewals where the applicable subscription system permits. Cancellation generally prevents future billing but does not automatically entitle the customer to a refund for a period already paid for, except where:

• The applicable subscription terms provide otherwise
• ChartWise Academy approves the refund
• Applicable law requires a refund

10. Automatic Renewal

Where a subscription automatically renews, the applicable checkout or subscription terms will identify the renewal arrangement.

Customers should review their subscription status before the renewal date.

If a customer is charged for a renewal and believes the charge was made incorrectly, the customer should contact ChartWise Academy as soon as possible.

11. Duplicate Payments

If a customer is accidentally charged more than once for the same purchase, the customer should contact ChartWise Academy.

After verification, an eligible duplicate payment may be refunded.

12. Failed or Incomplete Transactions

If a payment is unsuccessful but an amount has been debited from the customer's bank account, card, UPI account, or other payment method, the transaction may be subject to reconciliation with the payment provider.

Customers should provide:

• Transaction reference
• Date and time
• Amount
• Payment method
• Relevant payment confirmation

— when contacting support. Where a transaction has failed and funds have not been received by ChartWise Academy, the payment provider or bank may process the applicable reversal or refund according to its procedures.

13. Technical Access Problems

A customer will not ordinarily be required to seek a refund solely because of a temporary technical problem where ChartWise Academy can reasonably resolve the issue.

Examples include:

• Login problems
• Password issues
• Video playback problems
• Temporary Website downtime
• Course-access errors
• Broken links
• Account synchronization problems

Customers should first contact Customer Support. ChartWise Academy will make reasonable efforts to restore access or resolve the issue. Where the problem cannot reasonably be resolved, an alternative remedy, extension, transfer, credit, or refund may be considered depending on the circumstances and applicable law.

14. Internet and Device Compatibility

Customers are responsible for maintaining a suitable:

• Internet connection
• Computer
• Smartphone
• Tablet
• Browser
• Operating system
• Required software

— for accessing online educational services. A refund will not ordinarily be provided solely because a customer's personal device or internet connection does not support the service where the required technical requirements were reasonably disclosed before purchase.

However, genuine technical-access issues attributable to ChartWise Academy will be addressed appropriately.

15. Change of Mind

A customer may request cancellation because they have changed their mind.

Such requests will be evaluated according to:

• The applicable refund period
• Product type
• Course usage
• Course-specific terms
• Applicable law

A change-of-mind request does not automatically create an entitlement to a refund outside the stated refund period.

16. Course Transfer

Where appropriate, ChartWise Academy may offer a customer the option to transfer enrollment from one course, batch, or cohort to another.

A transfer may be considered where:

• The request is made within the applicable period
• The alternative course has available capacity
• The courses are reasonably comparable
• The transfer is operationally feasible

Transfer is discretionary unless expressly promised as part of the purchased product.

17. Course Deferral or Rescheduling

For selected live programs, ChartWise Academy may permit customers to defer their participation to a future batch.

Any deferral may be subject to:

• Availability
• A defined validity period
• Administrative conditions
• Course-specific terms
• Difference in course fees, where applicable

18. Promotional Offers and Discounts

Special promotional products may have specific refund conditions.

Where a promotional offer includes different cancellation or refund terms, those terms will be disclosed before purchase.

Discounts, coupons, promotional pricing, or bundled offers may affect the amount refundable where legally permissible.

19. Bundles and Combination Products

Where multiple courses or resources are sold together as a bundle, refund eligibility may be assessed based on the bundle as a whole.

If a customer has accessed or substantially consumed one or more components of the bundle, ChartWise Academy may take such usage into account when evaluating a refund request, subject to applicable law and the disclosed terms.

20. Downloadable Materials

Where a purchase provides downloadable:

• PDFs
• E-books
• Templates
• Worksheets
• Recordings
• Data files
• Other digital resources

— refund eligibility may be affected once substantial materials have been downloaded or accessed. This condition does not limit rights that cannot legally be excluded.

21. Misuse of Course Content

Refunds may be denied, to the extent permitted by applicable law, where a customer has:

• Shared login credentials
• Distributed course materials
• Uploaded course content publicly
• Resold course content
• Recorded classes without authorization
• Circumvented access controls
• Engaged in fraudulent activity
• Violated the Terms & Conditions

Any denial of a refund will not prevent ChartWise Academy from taking other lawful action where appropriate.

22. Fraudulent Transactions

ChartWise Academy may investigate transactions that appear:

• Fraudulent
• Unauthorized
• Abusive
• Duplicative
• Manipulated
• Inconsistent with normal purchasing behaviour

Where appropriate, transactions may be suspended or cancelled pending verification.

23. Refund Request Process

To request a refund, contact ChartWise Academy through the official support channels.

Please include:

• Full name
• Registered email address
• Course/product name
• Order or transaction ID
• Purchase date
• Amount paid
• Reason for the refund request
• Relevant supporting information

Providing complete information helps us process the request efficiently.

24. Refund Review

After receiving a refund request, ChartWise Academy may review:

• Purchase details
• Payment status
• Applicable refund period
• Course access records
• Content consumption
• Download activity
• Live-session attendance
• Course-specific terms
• Technical issues
• Any other relevant circumstances

We may contact the customer for additional information where necessary.

25. Refund Processing Time

Once a refund has been approved, ChartWise Academy will initiate the refund through the applicable payment method or payment provider, subject to the provider's processing procedures.

The time taken for the refunded amount to appear in the customer's account may depend on:

• Bank processing
• Card issuer
• Payment gateway
• UPI provider
• Payment method
• Other financial intermediary

ChartWise Academy does not control the processing time of external financial institutions.

26. Refund to Original Payment Method

Where technically and legally possible, refunds will generally be processed to the original payment method used for the transaction.

We may request additional information where necessary to verify the transaction and prevent fraud.

27. Taxes, Payment Fees and Other Charges

Where applicable, the refund amount may be calculated in accordance with:

• The original invoice
• Applicable taxes
• Payment-provider charges
• Transaction costs
• The terms disclosed at purchase

Any deduction will be made only to the extent permitted by applicable law and the applicable contractual terms.

28. Non-Refundable Items

Unless applicable law requires otherwise, certain items may not be eligible for refunds, including products clearly identified before purchase as:

• Non-refundable
• Final sale
• Promotional
• Special enrollment
• Event-based
• Already substantially consumed digital content

The applicable product page should clearly disclose such conditions before payment.

29. Third-Party Products and Services

ChartWise Academy may provide links to or integrate third-party services such as:

• Payment providers
• Video platforms
• Hosting services
• Communication platforms
• Software tools
• External educational resources

Where a third party independently charges the customer, its refund terms may apply to that transaction. ChartWise Academy is not responsible for refunds relating to services that were purchased directly from third parties.

30. Course Cancellation by ChartWise Academy

ChartWise Academy reserves the right to cancel, postpone, reschedule, or modify a course, workshop, cohort, or live program where reasonably necessary.

Reasons may include:

• Insufficient enrollment
• Instructor availability
• Technical problems
• Force majeure
• Regulatory developments
• Operational requirements
• Other circumstances beyond reasonable control

Where ChartWise Academy cancels a paid program and a refund is appropriate, eligible customers will be notified and the applicable refund or alternative arrangement will be communicated.

31. Force Majeure

ChartWise Academy will not be responsible for delays or inability to provide services caused by circumstances beyond reasonable control, including:

• Natural disasters
• Government actions
• Internet or infrastructure failures
• Cybersecurity incidents
• Power failures
• Pandemics or public emergencies
• War
• Civil disturbances
• Telecommunications failures
• Other extraordinary events

Where services are materially affected, ChartWise Academy will make reasonable efforts to provide an appropriate alternative, rescheduling arrangement, extension, credit, or refund where applicable.

32. No Refund Based on Financial Results

ChartWise Academy provides education and does not guarantee trading or investment results.

Refund requests cannot ordinarily be based solely on:

• Failure to make profits
• Trading losses
• Investment losses
• Failure of a strategy
• Market conditions
• Personal trading performance
• Failure to achieve a desired return
• Expectation of financial gain

Financial markets involve risk, and course completion does not guarantee financial success.

33. Educational Nature of Our Services

ChartWise Academy's courses are educational. Purchasing or completing a course does not guarantee:

• Trading profits
• Investment returns
• Employment
• Business success
• Trading-system performance
• Financial independence
• Any specific financial outcome

The educational value of a course should therefore not be assessed solely by financial results.

34. Consumer Rights

Nothing in this Policy is intended to remove, restrict, or override any statutory consumer right or legal remedy that cannot lawfully be excluded or restricted.

Where applicable, customers may have rights under India's consumer-protection laws and other applicable legislation.

ChartWise Academy aims to address legitimate customer complaints fairly and transparently.

35. Grievance Redressal

If you are dissatisfied with the handling of a refund or cancellation request, you may escalate the matter through our grievance channel.

You may provide:

• Name
• Contact details
• Order/transaction ID
• Course name
• Date of purchase
• Nature of the complaint
• Previous support correspondence
• Requested resolution

We will review the grievance and respond within a reasonable period.

36. Policy Against Abuse

ChartWise Academy seeks to maintain a fair refund system for all customers.

Refund procedures must not be used to:

• Obtain course materials without paying
• Consume substantial course content and then request a refund
• Share or distribute paid materials
• Repeatedly purchase and refund the same product
• Circumvent subscription charges
• Commit payment fraud

Where abuse is identified, appropriate action may be taken in accordance with applicable law.

37. Changes to This Policy

ChartWise Academy may update this Refund & Cancellation Policy from time to time to reflect:

• Changes in our services
• Changes in payment systems
• Changes in course delivery
• Changes in applicable laws
• Regulatory developments
• Operational requirements

The latest version will be published on this page. The "Last Updated" date will be revised whenever material changes are made.

38. Governing Law

This Policy shall be interpreted in accordance with the laws applicable in India, subject to applicable statutory rights and regulatory requirements.

Any dispute shall be handled in accordance with the dispute-resolution provisions contained in the ChartWise Academy Terms & Conditions.

39. Contact Us

For refund, cancellation, or payment-related questions:

40. Important Notice