Refund & Cancellation Policy

1. General policy

We provide research reports, market insights and subscription-based informational services. Due to the immediate digital nature of our deliverables and intellectual content, subscription purchases are generally non-refundable except as explicitly set out in this policy and in the Most Important Terms and Conditions (MITC).

2. Statutory pro-rata refund on termination

Nothing in this policy limits your rights under the SEBI (Research Analysts) Regulations. Where either party terminates the engagement prematurely:

• Client-initiated: give 15 days’ written notice to our compliance contact. You receive a pro-rata refund for the unexpired period measured from the end of the notice period, with no breakage fee retained by us.
• RA-initiated (our registration suspended for more than 60 days, or cancelled): pro-rata refund from the effective date of suspension or cancellation to the end of the subscription period.
• Exclusion: statutory charges such as GST already paid are not part of the refundable service fee.

3. Cancellation & refund eligibility

• Digital & subscription services: once access to proprietary research reports, online portals or digital communication channels is granted, subscriptions cannot be cancelled mid-term for a discretionary refund beyond the statutory pro-rata entitlement above.
• Duplicate charges: in the event of an accidental double charge or technical billing error, a full refund of the duplicate amount is processed on verification. Notify us within 7 business days of the transaction.
• Failed transactions: if your account is debited but the subscription fails to activate due to a technical error, the debited amount is either automatically credited by your bank or refunded manually on receipt of proof of transaction.

4. How to request a refund

1. Email support@asanresearch.com with the subject line: “Refund Request – [Your Subscription ID / Email]”.
2. Include payment proof — a bank statement excerpt, payment ID or transaction receipt. Your invoice number is on every invoice in your account.
3. Our team reviews the request within 5 business days and notifies you of the approval or rejection status.

5. Processing timeline

If approved, refunds are credited back to the original method of payment within 7 to 10 working days, depending on your bank or payment gateway provider.

6. Regulatory & performance disclaimer

Subscribing to research reports does not guarantee stock market returns. Service dissatisfaction based on market performance or personal investment decisions does not constitute grounds for a refund. Investments in the securities market are subject to market risks.