Refund & Cancellation Policy

1. Scope

This Refund & Cancellation Policy is published by Devesh Varshney (sole proprietor of TruePrice) and forms part of our Terms of Use. It is published in compliance with the Consumer Protection (E-Commerce) Rules, 2020 and the RBI Master Directions on Regulation of Payment Aggregators. It governs all paid features on the Platform including Subscriptions, Per-Stock Credits, Portfolio Review, and any other paid product offered from time to time.

2. Pricing & Tax

All prices are quoted in Indian Rupees (INR) and are shown inclusive of applicable Goods and Services Tax (GST). The total amount payable, along with the tax breakup, is conspicuously displayed on the checkout page before you confirm payment. Tax invoices are issued by our payment aggregator, Cashfree Payments India Pvt. Ltd.

3. Cancellation

• Subscriptions: you may cancel a Subscription at any time from your account settings. Cancellation stops future renewals; access continues until the end of the current billing period.
• Auto-renewal: if a Subscription is auto-renewing, we will send a renewal reminder before the next charge. You can turn off auto-renewal at any time from account settings.
• Per-Stock Credits and Portfolio Review packs: are one-time purchases and there is nothing to cancel after purchase. See refund eligibility below.

4. Refund Eligibility

Because TruePrice delivers digital research that is consumed on access, refunds are limited to the situations below.

4.1 Full refunds

• Duplicate or accidental charge — we will refund any duplicate transaction in full.
• Failed delivery — if a successful payment does not result in the corresponding entitlement (Credit / Subscription / Portfolio Review pack) being granted to your account within 24 hours, we will refund in full.
• Service materially unavailable — if the Platform is materially unavailable for a continuous period of 7 days or more for reasons within our control, you may request a pro-rated refund of the affected period.
• Unauthorised transaction — we will cooperate with you and the issuing bank / aggregator to reverse any transaction that you did not authorise.

4.2 No refunds

• Used Credits. A Per-Stock Credit, once redeemed to unlock a Research Report, is non-refundable.
• Used Subscription term. Once the Subscription term has begun and the Platform has been substantially accessed, the prepaid amount is non-refundable, except as provided in Section 4.1.
• Dissatisfaction with research outputs or with the direction of the market. Research is informational and does not guarantee returns; an outcome you did not expect is not an eligible ground for a refund.
• Promotional / discounted purchases are non-refundable unless mandated by law.

5. How To Request A Refund

To raise a refund request:

1. Email support@trueprice.pro from your registered email or include your registered mobile number.
2. Include the order ID, the date of the transaction, the amount, the payment method used, and a brief description of the issue.
3. Attach any supporting evidence (e.g., the bank statement showing the duplicate charge).

We will acknowledge your request within 48 hours and make a decision within 7 working days of receiving complete information. Approved refunds are processed via Cashfree to the original method of payment within an additional 5 to 10 working days (banking timelines may extend this for international cards or certain wallets). Cash refunds are not provided.

6. Chargebacks

If you initiate a chargeback through your card issuer or bank, we ask that you first raise the issue with us so we can resolve it directly — this is faster than the chargeback process and avoids automated fraud-flag side-effects on your card. Where a chargeback is filed, we will respond to the issuer with the relevant evidence (transaction logs, entitlement-grant records, and our communication with you). Repeated unjustified chargebacks may result in account suspension.

7. Disputed Or Failed Transactions

For payment-side issues (failed transactions where the amount has been debited, transactions stuck in “processing” status, or transactions reflected differently between bank and order), please raise the issue with us at support@trueprice.pro. We will investigate jointly with Cashfree (our RBI-authorised Payment Aggregator) and the issuing bank, in line with the RBI Master Directions on Regulation of Payment Aggregators.

8. Escalation

If you are not satisfied with our resolution, you may escalate:

• SEBI SCORES for matters relating to research services, at scores.sebi.gov.in; and SEBI's Online Dispute Resolution platform at smartodr.in.
• Cashfree grievance redressal for payment-related issues, per Cashfree's Customer Grievance Redressal Policy.
• Reserve Bank of India — Ombudsman Scheme for Digital Transactions, 2019 for unresolved payment system disputes.
• National Consumer Helpline at 1915 or consumerhelpline.gov.in.
• The applicable Consumer Disputes Redressal Forum under the Consumer Protection Act, 2019.

9. Updates To This Policy

We may update this Policy. Changes apply to transactions completed on or after the effective date. The “Last updated” date reflects the most recent revision.

10. Contact

For any refund or payment-related question, write to support@trueprice.pro.