Refund Policy

01Nature of the Service

A Viksit Analyst subscription provides access to a digital platform — continuously researched strategies, automated execution infrastructure, and daily reporting — rather than a one-time purchase of goods. Because the onboarding fee covers account setup and verification work performed on your behalf, and the monthly fee covers ongoing platform access already made available to you from the start of each billing cycle, refunds are handled differently from a typical retail purchase, as set out below.

02Refund Eligibility

You may be eligible for a refund in the following circumstances:

• Duplicate payment. You were charged more than once for the same billing cycle due to a checkout or gateway error.
• Payment without service activation. Your payment was successfully captured by Razorpay, but your subscription was never activated on our end due to a technical or processing failure on our side, and the issue could not be resolved within a reasonable time.
• Verified prolonged outage. A confirmed, extended failure of core automated execution attributable to our platform — not to your broker, your internet connectivity, or market conditions — prevented service delivery for a material part of a billing cycle. Refunds in this case, where granted, are prorated to the affected period at our discretion.
• Cancellation before renewal. If you cancel before a renewal date but a renewal charge is nonetheless processed due to timing, the renewal charge is eligible for a full refund.

03Non-Refundable Situations

• The one-time onboarding fee, once account setup and verification have been completed and the subscription has been activated;
• Monthly subscription fees for a billing cycle in which the Platform operated normally, regardless of whether you actively used it, placed few or no trades, or changed your mind after subscribing;
• Trading losses or unfavorable results arising from market conditions, strategy performance, or your own trading decisions — these are governed by the risk disclosure in our Terms & Conditions, not this Refund Policy;
• Service disruption caused by your broker, your internet connection, incorrect account details you provided, or your failure to complete broker verification;
• Requests made outside the timeframes described in Section 6.

04Duplicate Payments

If a technical error results in more than one successful charge for the same onboarding fee or the same monthly billing cycle, the duplicate charge will be identified against your Razorpay payment and order identifiers and refunded in full to the original payment method, once verified.

05Technical Failures

If your payment was captured by Razorpay but your subscription record was not created due to a fault in our systems, contact support with your payment reference and we will either activate your subscription immediately upon verification or refund the payment in full — whichever you prefer — normally within the timelines in Section 7.

06How to Request a Refund

To request a refund, email support@viksitanalyst.com with:

1. The email address and phone number used at checkout;
2. The Razorpay payment ID or order ID (found in your payment confirmation email);
3. The date of the transaction and the amount charged;
4. A brief description of the reason for your refund request.

Refund requests relating to duplicate payments or activation failures should be raised within 7 days of the transaction. Requests relating to a verified prolonged outage should be raised within 15 days of the affected billing cycle ending.

07Processing Timelines

Approved refunds are issued to the original payment method used at checkout, in accordance with Razorpay's standard refund processing rules. We are unable to issue refunds to a different account or payment method.

08Chargebacks & Disputes

We encourage you to contact us directly before initiating a chargeback with your bank or card issuer, so that we have a fair opportunity to resolve the issue. Raising a chargeback for a charge that falls under Section 3 (Non-Refundable Situations) may result in suspension of your subscription pending resolution of the dispute.