Refund & Cancellation Policy

1. Free tier — no charges, no refunds

Most of IPOpulse — IPO calendar, GMP, subscription tracking, allotment status, 20+ calculators, sector and super-investor pages — is and will remain free for individual retail investors. There is nothing to refund for the free tier.

2. Paid features (when launched)

IPOpulse is rolling out a Pro tier (DRHP AI search, push alerts, advanced screener) in 2026. The terms in this section apply only once you subscribe to a paid plan.

• Subscription cancellation: cancel anytime from your account settings. Cancellation takes effect at the end of the current billing period — you keep access until then.
• 14-day money-back guarantee on first-time monthly subscriptions if you cancel within 14 days of initial purchase.
• Annual plans: pro-rata refund within 30 days of purchase, minus any usage already consumed.
• No refunds for partial months or after the eligibility window.

3. Service downtime credits

If a paid feature is unavailable for more than 24 consecutive hours due to our fault, you may request service credits equal to the affected period. Free-tier outages are best-effort only; no credits apply.

4. How to request a refund

Email hello@ipopulse.talkytools.com with:

• Your account email
• Order / transaction ID
• Reason for the refund

We process refunds within 5–7 business days to the original payment method. International payments may take 10–14 days.

5. Non-refundable items

• One-time setup or configuration fees
• Custom development hours already delivered
• Third-party processing fees (Razorpay / Stripe)
• Lifetime / pre-paid multi-year deals after the first 30 days

6. Chargebacks

Please contact us first before initiating a chargeback — almost all issues can be resolved directly within 7 days. Unjustified chargebacks may result in account suspension.

7. Contact

Questions or refund requests: hello@ipopulse.talkytools.com

Operated by TalkyTools (IPOpulse) — refunds are issued by the same legal entity that received your payment.