Refund & Cancellation Policy

1. Prepaid Subscription Model

All StoXify subscription plans (weekly, monthly, quarterly, or yearly) are prepaid. The full plan price is charged upfront at the time of purchase, in one payment, via Razorpay. StoXify does not offer installment or pay-later billing.

2. No Refunds

Subscription payments are non-refundable. Once a subscription plan is purchased and payment is successfully processed, StoXify does not issue refunds for any reason, including but not limited to:

• Partial use or non-use of the subscription
• Dissatisfaction with an Analyst's trade calls or performance
• Change of mind after purchase
• Early discontinuation of use by the User

3. No Mid-Term Cancellations

Subscriptions cannot be cancelled mid-term. A subscription remains ACTIVE for the full duration purchased (based on plan days) and automatically becomes EXPIRED at the end of that period. There is no mechanism to terminate an active subscription early in exchange for a partial refund.

4. No Proration

StoXify does not prorate charges for upgrades, downgrades, or plan switches taken mid-subscription. If you wish to change plans, you may set a different plan as your "queued" (next) plan - see Section 5 - which will take effect only when your current subscription expires.

5. Queue-Next Plan Changes (Free, Anytime)

While your subscription is ACTIVE, you may set, change, or remove a queued plan at any time, free of charge. The queued plan is charged and activated automatically only when your current subscription reaches its end date. This allows you to switch Analysts or plans for your next billing cycle without disrupting your current one.

6. Exceptions - Technical or Billing Errors

The sole exceptions to the no-refund policy are:

• Duplicate charge for the same subscription due to a payment gateway or Platform error
• Charge processed for a plan that was not successfully activated due to a verified technical failure on StoXify's end

In such cases, please contact support within 7 days of the transaction with your transaction ID. Verified erroneous charges will be reversed to the original payment method within 7–10 business days of confirmation.

7. Analyst Discontinuation

If a subscribed Analyst is suspended, blocked, or otherwise discontinued from the Platform by StoXify (e.g. for regulatory or compliance reasons) during your active subscription term, StoXify will notify you and, at its sole discretion, may offer a plan-value credit redeemable against another Analyst's plan. This is offered as a goodwill measure and does not constitute a right to a cash refund unless required by law.

8. How to Raise a Concern

For billing queries or to report a suspected technical/billing error, contact:

Email: [SUPPORT EMAIL]Grievance Officer: Ritish Jaiswal, Founder & CEO

We aim to acknowledge billing queries within 48 hours.

9. Changes to This Policy

StoXify may update this Policy from time to time. The "Last Updated" date at the top of this document reflects the most recent revision. Continued use of the Platform after such updates constitutes acceptance of the revised Policy.