How cancellations, renewals, duplicate charges, failed payments, service failures, and eligible refunds are handled for Cleverfind plans.
Current service status
Cleverfind currently provides early-stage access without a public payment checkout. There is therefore no recurring charge to cancel and ordinarily no payment to refund through the current service.
Do not send money to an individual or unofficial account claiming to sell Cleverfind access. Report any such request through the grievance channel.
When paid plans are offered
If Cleverfind introduces a direct paid plan, the checkout will disclose the price, currency, applicable taxes, billing period, included usage, renewal method, trial terms if any, and cancellation method before you confirm payment.
Service-specific order terms shown at checkout will apply in addition to this policy. If they conflict, the term more protective of a non-waivable consumer right will apply to that extent.
Cancelling a subscription
You may cancel a directly purchased recurring Cleverfind subscription through the account or support method made available for that plan. Cancellation stops future renewals after it is successfully recorded; it does not ordinarily reverse a charge for a billing period that has already started.
Unless the checkout states otherwise, access continues until the end of the paid billing period. Deleting the app, disconnecting a broker, or ceasing use does not by itself cancel a subscription.
When a refund may be available
We may request the transaction identifier, payment date, amount, account email or mobile number, and a description of the issue. Do not send full card numbers, CVV, UPI PINs, passwords, or one-time passwords.
- A duplicate charge for the same plan and billing period.
- A completed charge where Cleverfind did not activate the purchased access within the promised period and did not cure the failure within a reasonable time after notice.
- An unauthorised transaction reported promptly, subject to identity checks and the payment provider or bank investigation.
- A charge collected after a cancellation was validly completed before the stated renewal cutoff.
- Another circumstance where a refund, reversal, or remedy is required by applicable Indian consumer law.
Charges ordinarily not refundable
This section does not limit remedies for a deficient service, misleading representation, unfair contract term, or other right that cannot be waived under applicable law.
- A billing period already used or made available where the service materially matched the disclosed plan.
- Unused time after a mid-period cancellation, except where the checkout expressly promises a pro-rata refund or law requires one.
- Dissatisfaction based only on investment performance, market movement, or an investment decision; Cleverfind does not promise investment outcomes.
- Inability to use a feature caused by an unsupported device, user-side connectivity issue, breach of the Terms, or loss of access to a third-party broker account.
- Taxes, foreign-exchange differences, bank charges, or third-party fees that Cleverfind did not receive and cannot reverse.
Trials, discounts, and promotions
A trial or promotional offer may have additional eligibility, duration, usage, and renewal conditions disclosed when offered. Unless you are clearly told that a trial converts to a paid plan and you authorise the payment mandate, the trial will not create an undisclosed charge.
Promotional credits have no cash value, are not transferable, and may expire under the disclosed offer terms unless applicable law requires otherwise.
Failed, pending, and reversed payments
A bank or payment provider may show a debit while a transaction remains pending or failed. We will verify whether Cleverfind received a settled payment before granting a refund. An automatic reversal is controlled by the bank or payment provider and may take additional business days.
Do not retry repeatedly while a payment is pending. If multiple settled charges occur, submit one request listing each transaction identifier.
Refund method and timing
An approved refund will normally be sent to the original payment method. Processing time depends on the bank, card network, UPI provider, payment gateway, holidays, and any legally required verification. We will communicate the approval or rejection and, where available, a reference number.
A refund marked as processed may not appear immediately. Contact your bank or payment provider with the reference number if the normal processing period has passed.
Purchases through third parties
If access is purchased through an app store, reseller, enterprise contract, broker, or other third party, that party may control billing, cancellation, and refunds. Submit the request through the channel identified on the receipt, while retaining any statutory rights against the responsible seller or service provider.
How to request help
Email support@cleverfind.in with the subject 'Billing request'. Include the Cleverfind account identifier, transaction reference, date, amount, payment method type, and the remedy requested. We may ask for additional information needed to verify the claim.
If the first response does not resolve the issue, use the grievance process. Nothing in this policy prevents an eligible consumer from approaching a consumer commission or other forum available under Indian law.