Refund Policy

1. Overview

This Refund Policy applies to all purchases made via our platform, including but not limited to digital research reports, subscriptions, educational content, and market insights. Our objective is to ensure transparency and protect the interests of all users. Please note that by purchasing any of our offerings, you agree to this Refund Policy in addition to our Terms & Conditions.

2. Refund Eligibility

Refunds shall be permitted only under the following limited circumstances:

• Duplicate Payments: If you are charged more than once for the same transaction.
• Technical Errors: When payment is deducted but the research report, subscription, or service is not delivered due to a verified technical issue.

Conditions for Refund Requests:

• A refund request must be submitted within seven (7) calendar days from the transaction date.
• The request must be supported with valid proof, such as a bank statement, UTR number, transaction ID, or payment gateway confirmation.
• Once a research report, digital content, or subscription has been delivered or accessed, refunds are not allowed.

3. Refund Process

To initiate a refund request, the customer must:

• Send a written request to help@krishnapathak.com within the 7-day period.
• Provide necessary proof of payment such as transaction ID, UTR, or bank statement.
• Allow 5–7 working days for compliance validation.
• If approved, refunds will be credited back to the original payment method within 7–10 business days, subject to standard banking timelines.

4. Exclusions

Refunds will not be provided in the following cases:

• Once digital research reports, subscriptions, or market insight content have been delivered or accessed.
• Subscription renewals after delivery or access of services.
• Requests based on dissatisfaction with content quality, interpretation, or market outcomes.
• Requests submitted beyond the 7-day window.