Refund Policy.

Overview

We aim to provide clear information about the services, applicable fees and payment terms before a purchase or subscription is completed.

Refunds are considered according to the nature of the service purchased, the applicable terms communicated at the time of purchase and applicable laws and regulations.

Refund Eligibility

A refund may be considered in circumstances where the service has not been appropriately delivered due to an issue attributable to us, or where a refund is otherwise required under applicable law or the specific terms of the purchased service.

Where a service-specific refund condition has been communicated at the time of purchase, that condition will apply to the relevant transaction.

• Eligible service-related issues
• Incorrect or unauthorized charges
• Duplicate transactions
• Other legally required refunds

Non-Refundable Services

Unless specifically stated otherwise, payments may not be refundable merely because an investment outcome, market performance or research recommendation did not meet a user's expectations.

Investment and research services involve uncertainty and market risk. Market movements or financial losses do not by themselves create an entitlement to a refund.

Cancellation

Cancellation rights may vary depending on the type of service and subscription purchased.

If cancellation is available for a particular service, the applicable cancellation conditions will be communicated during the purchase process or in the relevant service terms.

Cancellation of a service does not automatically guarantee a refund for a period or service that has already been provided, except where applicable law or the specific service terms provide otherwise.

Refund Process

To request a refund, you may contact us using the contact information available on the Contact Us page.

Your request should include sufficient information to identify the transaction, such as your name, registered email address, transaction reference and a brief explanation of the request.

• Transaction reference
• Registered email address
• Customer name
• Reason for the request

We may request additional information where reasonably necessary to verify the transaction and assess the refund request.

Refund Processing Time

Once a refund has been approved, the refund will generally be initiated through the original payment method, unless another method is required or agreed upon.

The time required for the refunded amount to appear in your account may depend on the payment gateway, bank, card issuer or other financial institution involved in the transaction.

Failed Payments

If a payment is unsuccessful but the amount has nevertheless been debited from your bank account or payment method, the transaction may be subject to automatic reversal by the payment gateway or bank.

If the amount is not automatically reversed within the applicable payment-provider timeframe, please contact us with the relevant transaction details so that the payment can be investigated.

Duplicate Payments

If the same transaction is accidentally charged more than once for the same service, please contact us with the relevant transaction references.

After verification, duplicate charges may be refunded to the original payment method, subject to applicable payment-processing conditions.

Service-Related Issues

If you experience a technical or service issue that prevents you from accessing a purchased service, please contact us as soon as reasonably possible.

We may investigate the issue and, where appropriate, restore access, extend the applicable service period or provide another reasonable resolution.

The appropriate resolution will depend on the nature and circumstances of the issue.

Changes to This Refund Policy

We may update this Refund Policy from time to time to reflect changes in our services, pricing structure, payment systems or applicable legal and regulatory requirements.

Any updated version will be published on this website with a revised update date.

Unless otherwise required by law, the policy applicable to a transaction will be determined based on the terms applicable at the time of that transaction.