Refund Policy

1. 📋 General Refund Policy

At Sanwariya Capital, subscription fees are collected for providing SEBI compliant research and advisory services. Our general refund policy is as follows:

• All subscription fees are non-refundable once the service has been activated and research calls have been delivered to the subscriber.
• Refunds will NOT be provided based on trading losses incurred by the client from our recommendations. Market risks are clearly communicated upfront.
• Refunds will NOT be provided if the client is dissatisfied with the accuracy of calls, as research advisory involves inherent market uncertainty.
• Refunds will NOT be provided if the client changes their mind about subscribing after the service has been activated.
• Refunds will NOT be provided for partial unused periods of a subscription.

2. ✅ Eligible Refund Scenarios

A refund may be considered only in the following genuine circumstances:

• Duplicate Payment: If you have made a payment twice for the same subscription due to a technical glitch, the duplicate amount will be refunded in full within 7 working days.
• Payment Before Service Start: If service activation has not yet commenced (no calls delivered) and you request cancellation within 24 hours of payment, a refund may be considered after deduction of payment gateway charges.
• Technical Non-Delivery: If Sanwariya Capital is unable to deliver any research calls for 7 consecutive trading days due to technical issues solely on our end (and not due to client's mobile/network issues), a prorated refund for the affected period may be considered.
• Death of Subscriber: In the unfortunate event of a subscriber's death, a prorated refund of the remaining subscription period may be processed upon request from the legal heir with supporting documentation.

3. ❌ Non-Eligible Refund Scenarios

Refunds will NOT be processed in the following cases under any circumstances:

• Trading losses incurred from following or not following our research recommendations
• Dissatisfaction with recommendation accuracy, frequency or style
• Change of mind after service activation
• Broker, connectivity or technical issues on the client's end causing missed calls
• Calls received but not executed by the client
• Losses due to market events such as circuit breakers, trading halts, black swan events
• Client voluntarily unregistering from our WhatsApp/SMS service
• Client found to have violated our Terms & Conditions
• Payments made to unauthorized personal accounts (the company is not responsible)

4. 📝 How to Request a Refund

If you believe you are eligible for a refund based on the eligible scenarios above, follow these steps:

• Step 1: Email your refund request to refund@sanwariyacapital.com with subject line "Refund Request — [Your Name] — [Date of Payment]"
• Step 2: Include your registered mobile number, payment UTR/transaction ID, amount paid, date of payment and reason for refund request with supporting evidence.
• Step 3: Our team will acknowledge your request within 3 working days.
• Step 4: After verification and investigation, we will communicate the refund decision within 15 working days.
• Step 5: Approved refunds will be processed to the original payment source within 7–10 working days after approval.

5. 🔄 Cancellation Policy

• Clients may cancel their subscription at any time by contacting our team.
• Cancellation will take effect at the end of the current billing period — no partial period refunds are provided.
• After cancellation, you will continue to receive services until the end of your paid subscription period.
• Cancelled subscriptions will not be automatically renewed.
• To cancel, email cancellation@sanwariyacapital.com or call +91 98934-46393.

6. 📞 Refund Contact Information

• Refund Email: refund@sanwariyacapital.com
• Support Phone: +91 98934-46393 (Mon–Sat, 9 AM–6 PM)
• WhatsApp: +91 98934-46393
• Processing Time: 7–10 working days after approval
• Refund Mode: To original payment source only (bank account / UPI ID used for payment)

Sanwariya Capital reserves the right to amend this Refund Policy at any time. Changes will be posted on this page. Last Updated: January 2025.