Refund Policy - Stoicwealth

Refund & Cancellation Policy | Stoic Wealth

Entity Name: Stoic Wealth
SEBI Registration Number: INH000022224
Registered Office: A-101, 45 Paramount, Lalit Estate, Baner, Pune, Maharashtra, 411045

1.1. Transparency Mandate: At Stoic Wealth, we value the professional trust you place in our analytical expertise.
1.2. Basis of Policy: While we aim for excellence in every market insight and educational module, we understand that client circumstances can change. This policy is designed to be fully transparent, fair, compliant, and grounded in the inherent value of the proprietary research and time delivered.

2.1. Pro-Rata Eligibility: We offer structured, pro-rated refunds for our subscription-based advisory services based strictly on the unutilized or unused portion of your subscription term.
2.2. Administrative Retention: To cover fixed onboarding setups, data pipeline maintenance, and the immediate proprietary value of the premium insights shared upon sign-up, a processing fee equivalent to one (1) month of service will be retained upon voluntary premature cancellation.
2.3. Sample Refund Calculation Example:
- Subscription Term: 12-Month Plan
- Cancellation Request Event: Submitted at the exact end of Month 2
- Used Period: 2 Months
- Administrative Retention Fee: 1 Month
- Total Account Refund Credit: 9 Months (The remaining balance of the unexpired period)

Our purely educational offerings are governed by specific parameters based directly on their delivery format:

Service Type	Refund & Cancellation Terms
Live Cohort Courses	100% Refundable if explicitly requested in writing before the commencement of the very first session. Once the live course officially begins, the entire fee is strictly non-refundable.
Pre-recorded Courses	Absolutely Non-refundable due to the immediate, full digital download/streaming access nature of the educational content.
Private 1-on-1 Classes	Refunds are calculated and issued strictly for the unused portion of the remaining, unscheduled private sessions.

4.1. Standard Processing: Once a formal cancellation request is internally validated and approved, Stoic Wealth will initiate the banking credit path within 7 business days.
4.2. Maximum Settlement Window: In complex scenarios involving clearing network issues or intermediary payment gateway delays, the credit may take up to a maximum of 30 calendar days to reflect in your bank account (aligned with SEBI regulatory grievance resolution windows).

5.1. Communication Channels: To successfully initiate an early termination and request a refund, clients must contact the Stoic Wealth compliance desk directly through one of the following official nodes:
- Email Endpoint: mailto:contact@stoicwealth.in
- Web Portal: Submit a ticket via our official Contact Form.
5.2. Mandatory Submission Details: The written termination request must include the following verifiable data points:
- 5.2.1. Complete Date of original subscription payment and transaction reference ID.
- 5.2.2. Your preferred mode of refund credit (Direct Bank Transfer via NEFT/IMPS or original source payment gateway reversal).
- 5.2.3. A brief description of the reason for the request (utilized solely for our internal quality improvement and service optimization logs).

6.1. Verification Rights: Stoic Wealth reserves the right to comprehensively verify all cancellation claims to actively prevent policy misuse, data scrapers, intellectual property piracy, or bad-faith sign-ups.
6.2. Performance Disclaimer: As per SEBI mandates, past market performance or personal dissatisfaction with market-driven returns on recommendations does not constitute an operational deficiency and cannot be utilized as a sole ground for waiver or penalty-free disputes.