Refund Policy
This policy governs refunds for the ₹1 report unlock payment on MicroInvestments.in. Please read carefully before initiating payment.
1. Standard Refund Policy
The ₹1 report unlock fee is generally non-refundable once the report has been generated and made accessible to you.
The ₹1 payment unlocks access to a digitally generated, personalised financial health scorecard and investment roadmap. Because this is a digital product that is generated and delivered instantly upon payment, the right of withdrawal available for physical goods is not applicable.
By initiating and completing payment, you expressly consent to the immediate delivery of the digital service and acknowledge that your right to a refund under standard consumer protection principles is waived upon delivery.
2. When a Refund Will Be Issued
A full refund of ₹1 will be processed in the following circumstances:
- Double charge: You were charged ₹1 more than once for the same report session due to a payment gateway or technical error on our part.
- Payment success but report not delivered: Your payment was confirmed by Razorpay, but the report was not generated or made accessible to you within 24 hours.
- Technical failure on our side: A verifiable server-side or platform error prevented the report from generating correctly, and we are unable to remedy it within 48 hours.
3. When a Refund Will NOT Be Issued
Refunds are expressly not available in the following situations:
- You accessed the report and disagree with its algorithmic score or recommendations.
- You provided incorrect financial data and wish to regenerate the report.
- You changed your mind after the report was delivered.
- You claim the report did not meet your subjective expectations, where the report functioned as intended.
- The investment recommendations in the report did not lead to financial gain (all outputs are educational and no returns are guaranteed).
- Your payment was made on behalf of another person without our prior consent.
4. How to Request a Refund
To request a refund under a qualifying circumstance, email info@microstocks.in within 7 days of payment with:
- Your Razorpay Payment ID (found in your payment confirmation email)
- The email address used during payment
- A clear description of the qualifying issue
We will respond within 5 business days. Approved refunds will be credited to the original payment method within 7–10 business days, subject to your bank or card network's processing time.
5. Chargebacks & Disputes
We encourage you to contact us before initiating a chargeback with your bank or card issuer. For a transaction of ₹1, we will cooperate fully and process any legitimate refund without requiring you to raise a bank dispute.
If a chargeback is raised without prior communication, we reserve the right to provide evidence of service delivery to the payment processor.