Refund Policy

Current status — paid plans are live. Evenstocks offers a free tier plus two paid plans, Plus and Pro, billed monthly or yearly, and optional add-on Credits. See Plans & Pricing for current prices, all of which are the total amount payable; no tax is added at checkout. A yearly plan, and any monthly plan bought without auto-renew, is a one-time charge for the period you choose — nothing is debited again unless you buy another period yourself. A monthly plan bought with auto-renew is charged the same amount every month until you switch it off from My Profile → Plan & usage; Razorpay emails you at least 24 hours before each of those charges.

Who you are contracting with

These terms are between you and FTP Private Limited (CIN U66190TZ2026PTC040188), the company that operates Evenstocks. Registered office: 93-97, Dr. Rajarathinam Street, Ramnagar, Coimbatore South, Coimbatore, Tamil Nadu 641009, India. See About Us for full corporate details.

1. Overview

Evenstocks is a stock research platform offering data analytics, AI-powered research aggregation, and educational tools over publicly-available Indian stock market data. This policy describes when plan payments and Credit purchases are refundable, the timeline for refunds, and how to request one.

2. Payment Types

• Plan payments — Plus or Pro access for one month or one year, paid up front for that period. Access reverts to the Free plan when the period ends unless you choose to buy another period.
• Automatic renewals — if you switched auto-renew on, each monthly charge is a fresh plan payment for the month ahead, treated exactly like a plan payment you made by hand. Cancelling auto-renew stops all future charges but does not refund the month already paid for; you keep that month in full.
• Add-on Credits — an optional pre-paid balance used only after your plan's monthly quota is exhausted. Credited to your account immediately on successful payment and valid for 12 months from purchase.

3. What is Refundable

• Duplicate / accidental payments — if your card or UPI was charged twice for the same transaction in error, we will refund the duplicate amount in full.
• Failed transactions where amount was debited — if your bank/UPI debited the amount but the Credits or plan activation did not happen, the amount will be auto-reversed by the payment gateway within 5–7 business days. If it does not, write to us and we will manually reconcile.
• Unused Credits — if you have unconsumed Credits and wish to terminate your account, we will refund the unconsumed portion (less any payment gateway fees already deducted), provided no fraud or policy violation is observed on the account. Request must be made within 30 days of the most recent purchase.
• First purchase, barely used — within 7 days of your first paid plan, if you have used fewer than 20 Stocky questions and 2 Investment Committee runs on that plan, write to us and we will refund it in full. This applies once per account: it is there so you can try a plan properly, not as a way to use a month and hand it back.
• An automatic renewal you did not want — if an auto-renew charge goes through and you tell us within 7 days, having used fewer than 10 Stocky questions and 1 Investment Committee runin that new month, we will cancel the mandate and refund that charge in full.
• Service unavailability — if the platform was unavailable for an extended period (over 24 consecutive hours) attributable to us, we will extend your paid period by the affected days, or refund them pro-rata if you prefer.

4. What is Not Refundable

• Plan fees for a period that has already begun, once the service has been delivered and the first-purchase window above does not apply. Not renewing simply stops future charges; it does not refund the period you are in (see our Cancellation Policy).
• Credits that have been consumed against Stocky questions, Investment Committee runs, screenshot imports, or any other paid feature, and Credits that have expired 12 months after purchase.
• Charges arising from user error — e.g., buying the wrong Credit pack, choosing the wrong plan or billing period, or sharing account credentials.
• Any dispute raised more than 60 days after the original transaction date, except where required otherwise by law.

5. How to Request a Refund

Send an email to [email protected] from the email address registered with your Evenstocks account, with the following details:

• Your registered username and email
• The payment date and amount
• The Razorpay payment ID (visible in your payment receipt — starts with pay_)
• A brief reason for the refund request

6. Processing Timeline

• Review: we acknowledge refund requests within 2 business days and respond with a decision within 5 business days.
• Approved refunds: initiated via Razorpay back to the original payment method. Funds typically reflect in your account within 5–10 business days depending on your bank or UPI provider's processing time.
• Payment gateway fees charged by Razorpay on the original transaction are non-recoverable and may be deducted from the refund amount.

7. Disputes via Payment Gateway

If you are unable to reach resolution with us directly, you may raise a dispute through Razorpay's customer support at razorpay.com/support or through your card-issuing bank's chargeback mechanism. Evenstocks will cooperate fully with any such dispute investigation.

8. Important Note

Evenstocks is a data analytics and educational platform. We do not provide personalised investment advice, buy/sell recommendations, or guaranteed returns. Refunds will not be issued on the basis of investment outcomes (gains or losses) experienced by a user as a result of decisions made using information from the platform. All investment decisions are made independently by the user.

9. Contact

For refund-related queries, email [email protected].