🤝 Our Commitment
We strive to provide excellent service and want you to be satisfied with our educational technology platform. This refund policy outlines when and how refunds are processed to ensure transparency and fairness for all users.
1. 7-Day Money-Back Guarantee
✅ New Subscriber Guarantee
We offer a 7-day money-back guarantee for all new subscribers.
- Eligibility: First-time subscribers only
- Timeline: Must request refund within 7 days of initial subscription
- Coverage: Full refund of subscription fee (excluding payment processing fees)
- Process: No questions asked policy - simple and straightforward
- Service Access: Immediate termination upon refund processing
2. Refund Eligibility by Plan Type
| Subscription Plan |
Refund Period |
Refund Type |
Conditions |
| Monthly |
7 days |
Full refund |
New subscribers only |
| Quarterly |
14 days |
Pro-rated refund |
Based on unused period |
| Annual |
30 days |
Pro-rated refund |
Based on unused period |
3. Additional Refund Eligibility
You may be eligible for a refund beyond the standard guarantee under these specific conditions:
3.1 Technical Service Issues
- Extended Outages: Service unavailability for more than 48 consecutive hours
- Data Loss: Loss of educational portfolio data due to system failures
- Feature Malfunction: Critical premium features not functioning as advertised
- System Errors: Billing errors or system glitches affecting service delivery
3.2 Extraordinary Circumstances
- Medical Emergencies: Serious health issues preventing service utilization
- Financial Hardship: Sudden job loss or financial crisis (documentation required)
- Service Changes: Major changes to core service features or pricing structure
- Legal Requirements: As mandated by applicable consumer protection laws
4. Non-Refundable Situations
❌ Important: When Refunds Are NOT Available
Refunds will NOT be provided in these situations:
- Investment Performance: Poor investment returns or market losses
- Strategy Disagreement: Disagreement with algorithm recommendations or signals
- Market Conditions: Unfavorable market conditions affecting portfolio performance
- User Error: Mistakes in following educational guidance or signal execution
- Broker Issues: Problems with your broker, trading account, or execution delays
- Technical Knowledge: Lack of technical expertise or trading experience
- Change of Mind: Simply changing your mind after the refund period expires
- Partial Usage: Using the service for majority of the subscription period
- Auto-Renewal: Forgetting to cancel before automatic renewal
5. How to Request a Refund
5.1 Refund Request Process
- Contact Us: Email smartetfalgo@gmail.com or call +91-7597583636
- Provide Information: Include all required documentation
- Verification: Identity and account verification process
- Review: 2-3 business days for initial review
- Decision: Final decision communicated via email
- Processing: Approved refunds processed within 5-10 business days
📋 Required Information
- Account email address
- Subscription plan details
- Billing date and transaction ID
- Specific reason for refund
- Supporting documentation
6. Refund Processing Details
6.1 Processing Timeline
- Initial Review: 2-3 business days
- Final Decision: 1-2 business days
- Refund Processing: 3-5 business days to initiate
- Bank Processing: 5-10 business days for funds to appear in account
6.2 Refund Methods
Refunds are processed using the original payment method:
- Credit/Debit Cards: Refunded to the original card
- Digital Wallets: Refunded to the original wallet (PayTM, PhonePe, etc.)
- Bank Transfers: Refunded to the original bank account
- UPI: Refunded to the original UPI account
💡 Processing Fees Notice
Important: Payment processing fees (typically 2-3% of transaction) are non-refundable as these are charged by third-party payment processors and are not retained by SmartETF Algo.
7. Subscription Management
7.1 Understanding the Difference
| Action |
Effect on Billing |
Effect on Service |
Money Back |
| Cancellation |
Stops future billing |
Service continues until period ends |
No |
| Refund |
Stops all billing |
Immediate service termination |
Yes (if eligible) |
| Downgrade |
Pro-rated adjustment |
Reduced features immediately |
Credit applied |
7.2 Auto-Renewal Policy
🔄 Important Renewal Information
- All subscriptions automatically renew unless cancelled
- Cancel at least 24 hours before renewal date to avoid charges
- Renewal charges are subject to the same refund policy terms
- No refunds available for auto-renewals you forgot to cancel
8. Dispute Resolution
8.1 Internal Process
If you disagree with our refund decision:
- Escalation: Request escalation to senior management
- Additional Review: Management team conducts thorough review
- Mediation: Third-party mediation available if needed
- Final Decision: Management provides final determination
8.2 External Options
If internal resolution is unsuccessful:
- Consumer Forums: Approach local consumer dispute forums
- Payment Provider: Contact your bank or payment processor
- Legal Consultation: Seek independent legal advice
- Regulatory Bodies: Contact relevant regulatory authorities
9. Contact Information
10. Policy Updates
This refund policy may be updated to reflect changes in our services or legal requirements:
- Notification: Material changes communicated via email 30 days in advance
- Effective Date: Changes take effect 30 days after notification
- Grandfathering: Existing subscriptions may retain previous policy terms
- Acceptance: Continued service use constitutes acceptance of updated terms
🤝 Our Promise to You
We are committed to providing excellent service and handling all refund requests fairly, transparently, and promptly. Our goal is your complete satisfaction with our educational technology platform. We believe in building long-term relationships based on trust and mutual success.