Cancellation & Refund Policy

FNOLAB offers recurring subscription plans billed through Razorpay using UPI AutoPay or recurring card mandates. This policy sets out how cancellations work, when refunds are available, and how long refunds take to process.

• Every new account receives a 3-day free trial with full access to all paid features.
• No payment method is required to start the trial — we strongly recommend evaluating the Service during the trial period before subscribing.
• The trial ends automatically. You will not be charged unless you explicitly subscribe to a paid plan.

• Paid plans are recurring. When you subscribe, you authorise a payment mandate (UPI AutoPay or card-on-file) that permits Razorpay to auto-debit the subscription fee at the start of each billing cycle.
• All amounts are in Indian Rupees (INR) and, where applicable, inclusive of GST.
• If a scheduled charge fails, Razorpay will retry for a limited period. During retries, your access continues for a grace period (typically 3 days) before it is suspended.

• You may cancel your subscription at any time from the Profile page or by contacting support. Cancellation is free and requires no reason.
• Cancellation takes effect at the end of the current billing cycle. You retain full access until the paid period ends, and no further charges are debited.
• Partial / unused portions of the current billing cycle are not refunded pro rata — the service was available to you for the full period.
• After the cycle ends, your account automatically reverts to the free tier.

Refunds are processed in the following situations:

• Duplicate payment — a single billing cycle charged more than once due to a technical error, verified via Razorpay transaction records.
• Unauthorised charge — a charge made without your consent (for example, mandate reuse after valid cancellation). Subject to verification.
• Service failure — a confirmed platform outage of more than 72 continuous hours during your paid period, in which case a pro-rata credit or refund may be issued at our discretion.

Refunds are not issued for: change of mind after the free trial, unused subscription time after a voluntary cancellation, dissatisfaction with signal performance (past performance is not guaranteed — please refer to the Disclaimer), or circumstances outside our control (internet outages at user end, broker platform issues, regulatory halts).

• Email our support inbox (see /contact) within 7 days of the disputed charge.
• Include: your registered email, the Razorpay payment ID (found in the payment confirmation email), date of charge, and the reason for the request.
• We will acknowledge your request within 2 business days and respond with a decision within 7 business days.

• Approved refunds are initiated with Razorpay within 2 business days of approval.
• Once initiated, refunds are credited back to the same payment method used for the original charge (UPI, card, or netbanking).
• Credit to your account typically takes 5–7 business days depending on your bank or UPI app. Some banks may take up to 10 business days.
• Refund status can be tracked via the Razorpay refund reference ID we send to you.

If you believe a charge is incorrect, please contact us before raising a chargeback with your bank or payment provider. Direct chargebacks without prior contact may result in temporary suspension of your account pending investigation. We commit to resolving genuine disputes quickly — most are resolved within one business day.