Refund Policy

Overview

At Fixed Income Tracker, we want you to be completely satisfied with your subscription. This Refund Policy explains our refund and cancellation procedures for our paid subscription plans.

Subscription Plans Covered

This policy applies to:

• Pro Monthly Plan: ₹99 per month (recurring)
• Pro Lifetime Plan: ₹999 one-time payment

Note: Free tier users do not require refunds as no payment is made.

7-Day Money-Back Guarantee

Eligibility

You are eligible for a full refund if:

• Your refund request is made within 7 days of purchase
• This is your first subscription purchase (not renewal)
• You have not previously received a refund for the same plan

What Happens After Refund

• Your Pro subscription is immediately downgraded to Free tier
• Access to Pro features is removed
• Your investment data is retained (subject to free tier limits)
• You can re-subscribe at any time

Cancellation Policy

Monthly Subscriptions

For Pro Monthly (₹99/month) subscriptions:

• Cancel anytime: No cancellation fees
• Access continues: You retain Pro access until the end of your current billing period
• No automatic refund: Already paid fees for the current month are not refunded (unless within 7-day guarantee)
• No renewal: Your subscription will not renew for the next month
• Automatic downgrade: Account reverts to Free tier after billing period ends

Lifetime Subscriptions

For Pro Lifetime (₹999 one-time) subscriptions:

• No expiry: Lifetime access with no recurring charges
• 7-day refund: Full refund available within 7 days of purchase
• After 7 days: No refunds, but access continues for lifetime
• No cancellation needed: No recurring billing to cancel

How to Request a Refund

Refund Processing Timeline

Total timeline: 5-7 business days from approval

Non-Refundable Situations

Refunds will NOT be provided in the following cases:

• Requests made after the 7-day guarantee period
• Subscription renewals (monthly auto-renewals)
• Account violations or Terms of Service breaches
• Duplicate purchases (contact us for resolution)
• Change of mind after 7 days

Note: We may make exceptions on a case-by-case basis for extenuating circumstances.

Refund Payment Method

All refunds are processed to your original payment method:

• Credit/Debit Card: Refunded to the same card
• UPI: Refunded to your linked bank account
• Net Banking: Refunded to your bank account
• Wallet: Refunded to your wallet (Paytm, PhonePe, etc.)

We cannot process refunds to a different payment method or account.

Contact Us

For refund requests or questions about this policy:

Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our service after changes constitutes acceptance of the updated policy.