Refund Policy

This Refund Policy explains the circumstances under which Netgrawl Limited, operating FinXclusive, will provide refunds for subscriptions and purchases. This policy applies to all users of FinXclusive services, including web-based subscriptions and in-app purchases.

By using FinXclusive, you acknowledge that you have read, understood, and agree to this Refund Policy. This policy should be read in conjunction with our Terms of Service.

Refunds may be granted in the following circumstances:

• Billing Errors: If you were charged incorrectly due to a technical error on our part
• Duplicate Charges: If you were charged multiple times for the same subscription
• Service Unavailability: If the service was unavailable for an extended period (more than 48 hours) due to our technical issues
• Unauthorized Charges: If your account was charged without your authorization
• Legal Requirements: As required by applicable consumer protection laws in your jurisdiction
• Subscription Cancellation Within Grace Period: If you cancel within 7 days of initial subscription and have not used the service extensively

Refunds are generally not available for:

• Change of mind after using the service
• Failure to cancel before automatic renewal
• Dissatisfaction with service features (unless service was misrepresented)
• User error (e.g., accidental subscription)
• Expired or completed subscription periods

Web-based subscriptions for Pro and Enterprise plans are managed directly by FinXclusive. The following refund policies apply:

Cancellation: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. No refunds are provided for the remaining period of an active subscription unless you meet the eligibility criteria above.

Automatic Renewal: If your subscription automatically renews and you did not intend to continue, you must contact us within 7 days of the renewal date to request a refund. Refunds for automatic renewals are subject to review and approval.

The Advanced Smart Wallet upgrade is purchased through Google Play Store (Android) or Apple App Store (iOS) as an in-app purchase. All billing, payment processing, and refund requests for in-app purchases are handled by the respective app store.

Important: FinXclusive cannot process refunds for in-app purchases directly. All refund requests must be submitted through the respective app store. We do not have access to or control over app store refund decisions.

Subscription Management: To cancel or manage your Advanced Smart Wallet subscription, you must do so through your Google Play Store or Apple App Store account settings. The minimum subscription period is 3 months, and cancellations will take effect at the end of the current billing period.

To request a refund for a web-based subscription (Pro/Enterprise), please follow these steps:

1. Contact our support team at support@finxclusive.com with the subject line "Refund Request"
2. Include the following information in your email:
   • Your account email address
   • Subscription plan (Pro or Enterprise)
   • Date of purchase
   • Transaction ID or receipt number
   • Reason for refund request
   • Any supporting documentation (screenshots, error messages, etc.)
3. Our support team will review your request and respond within 5-7 business days
4. If approved, the refund will be processed to your original payment method within 10-14 business days

For In-App Purchases: Follow the refund process provided by Google Play Store or Apple App Store as outlined in the "In-App Purchases" section above.

The following timelines apply to refund processing:

• Request Review: 5-7 business days from receipt of your refund request
• Refund Processing: 10-14 business days from approval date
• Payment Method Credit: Additional 3-5 business days depending on your bank or payment provider

Note: Refund processing times may vary based on:

• Complexity of the refund request
• Payment method used (credit card, bank transfer, etc.)
• Bank or payment processor processing times
• Public holidays or weekends

You will receive email notifications at each stage of the refund process: when your request is received, when it's approved or denied, and when the refund is processed.

We understand that exceptional circumstances may arise. The following situations may be considered for refunds on a case-by-case basis:

• Medical Emergencies: If you are unable to use the service due to a medical emergency
• Service Misrepresentation: If the service was significantly misrepresented and does not meet advertised features
• Extended Service Outages: If the service was unavailable for more than 7 consecutive days due to our technical issues
• Account Compromise: If your account was compromised and unauthorized charges were made
• Legal Compliance: As required by consumer protection laws in your jurisdiction

To request a refund under special circumstances, please contact us at support@finxclusive.comwith detailed information about your situation. We will review each case individually and respond within 10 business days.

The following items are generally non-refundable:

• Free tier services (no payment made)
• Subscription periods that have already been used or expired
• Add-on features that have been actively used
• Refunds requested more than 30 days after the original purchase date (except as required by law)
• Refunds for subscriptions cancelled after the billing period has ended
• Refunds for promotional or discounted subscriptions unless explicitly stated

Exception: Even if an item is listed as non-refundable, we may still provide a refund if required by applicable consumer protection laws or in exceptional circumstances at our discretion.

If you have questions about this Refund Policy or need to request a refund, please contact us:

Response Time: We aim to respond to all refund requests within 5-7 business days. For urgent matters, please indicate "URGENT" in your email subject line.