Refund & Cancellation Policy

Last updated: 26 October 2026

This policy applies to subscriptions to Invest Planner – Investment Unit Trust, Stock Tracker & Financial Planning purchased from SMART DISRUPTIVE SOLUTIONS (202103024532 (003229928-U)).

1. Free trial first

Every new account includes a 7-day free trial with full access and no payment required, so you can make sure the Service suits you before paying.

2. Cancellation

• You can cancel your subscription at any time in the app under Settings → My account → Cancel subscription, or by emailing smartdisruptivesolutions@gmail.com.
• After cancellation no further charges are made. You keep full access until the end of the billing period you have already paid for.
• Your data remains available for export after cancellation.

3. Refunds

• Monthly plan: monthly payments are not refundable once the billing period has started, except as stated below.
• Yearly plan: if you cancel within 7 days of your first yearly payment, you may request a full refund. After 7 days, yearly payments are not refundable, but access continues until the end of the paid year.
• Billing errors: duplicate charges, charges made after a confirmed cancellation, or charges of the wrong amount will be refunded in full.
• Service unavailability: if the Service is unavailable for more than 72 consecutive hours due to a fault on our side, you may request a pro-rated refund for the affected days.

4. How to request a refund

Email smartdisruptivesolutions@gmail.com (or WhatsApp 011-51366817) with your account email, payment date and reason. We will reply within 3 working days. Approved refunds are made to the original payment method through Razorpay Curlec and normally reach you within 7–14 working days, depending on your bank or card issuer.

5. Failed payments

If a renewal payment fails, access may be paused until payment succeeds. No late fees are charged.

6. Contact

SMART DISRUPTIVE SOLUTIONS (202103024532 (003229928-U)) · Email: smartdisruptivesolutions@gmail.com · Tel: 011-51366817