Refund & Cancellation
Digital access plans
Financial Guidance sells digital learning access (Premium), which also includes all calculators and their report downloads. Current plans: Learner Monthly ₹59 (1 month), Learner Quarterly ₹149 (3 months), Learner Yearly ₹499 (12 months), Professional Monthly ₹199 (1 month), Professional Quarterly ₹499 (3 months), Professional Yearly ₹1499 (12 months). Premium is activated instantly after successful payment, so content is delivered immediately.
No refunds after activation
Once Premium has been activated on your account, the purchase is final and is not refundable or transferable, including for partial use or unused days.
Plans bought without auto-pay (including all Quarterly plans) are one-time payments that do not renew; access simply ends at the end of the period purchased.
Free trial & auto-pay: Monthly and Yearly plans can be started with a 3-day free trial (one per person) using Google Play auto-pay in the Android app, or UPI AutoPay or a card mandate through Razorpay. For Google Play subscriptions, cancel in the Google Play Store (Payments & subscriptions → Subscriptions); Google Play's refund terms apply. Nothing is charged during the trial; we email a reminder a day before it ends. Unless you cancel before the trial ends, the plan price (GST inclusive) is charged automatically and then renews every month or year. You can cancel auto-pay anytime in the app (Premium → Cancel auto-pay); you keep access until the end of the period already paid for. The first charge made after the free trial ends is final and is not refunded, including if you forgot to cancel; cancelling stops all future renewals. Later auto-pay renewal charges already made are also not refunded.
Google Play purchases (Android app): subscriptions bought through Google Play are billed by Google. Cancel them anytime in the Google Play Store → Payments & subscriptions → Subscriptions; you keep access until the end of the period paid for. Refund requests for Google Play purchases are handled by Google under the Google Play refund policy (play.google.com → Order history → Request a refund); if Google refunds a purchase, Premium from that purchase ends.
No refund on suspension: if your account is suspended because false or misleading information was entered in your profile (including Professional details such as company, designation, employee code, licence / agent code or official email), no refund is given for any Premium plan or payment.
When you will get a full refund
If you were charged twice for the same purchase, the duplicate payment is refunded in full.
If money was deducted but the payment failed or Premium was not activated, the amount is refunded in full (or Premium is activated, if you prefer).
Approved refunds are processed within 5–7 working days to the original payment method. Your bank may take a few additional days to show the credit.
How to request
Write to us within 7 days of the payment with your registered email, payment date, amount and the payment ID shown by Razorpay, Google Play (order number starting with GPA.) or your bank. You can also use Help & Support → “Report a problem” (choose “Payment”) inside the app.
Shipping
No physical goods are shipped. All products are digital and accessed inside the app.
Last updated: 27 October 2026.