This policy explains cancellations and refunds for paid Finclara services. It is offered by Finclara Private Limited (CIN U68200MR2026PTC478128). Payments are processed by our payment gateway; Finclara never stores your card details.
5.1 Subscriptions (Plus and Pro)
Subscriptions are billed in advance for the stated period. You may cancel at any time; cancellation takes effect at the end of the current billing period, and you keep access until then. We do not charge a cancellation fee.
- First-time purchase: if you are dissatisfied, write to us within 7 days of your first payment and we will refund that payment in full, provided the plan's included allowances have not been substantially consumed (for example, most of a month's Index II download allowance).
- Renewals: renewal payments are not refundable once the new period has begun, because access is delivered immediately. Cancel before the renewal date to avoid the next charge.
- If we discontinue a paid feature mid-period, we refund the unused portion on a pro-rata basis.
5.2 Concierge sessions
A concierge session is booked as a 4-hour slot at ₹5,000.
- Free reschedule or cancellation if you notify us at least 24 hours before the slot — refunded in full or moved at your choice.
- Within 24 hours of the slot, the fee is non-refundable, because the time is reserved and the team member's day is committed. We will still try to reschedule where we reasonably can.
- If Finclara cancels for any reason, you receive a full refund or a rescheduled slot, at your choice.
- Credit-back: if a purchase completes with a Finclara partner developer during or arising from your concierge engagement, the ₹5,000 concierge fee is credited back to you, per the terms shown at booking.
5.3 Index II documents and other digital downloads
Individual documents are digital goods delivered immediately. Once a document has been downloaded, that download is not refundable. If a download fails, is corrupt, or does not match what was described, tell us within 7 days and we will re-deliver it or refund it.
5.4 Service failures and incorrect charges
If you were charged in error, charged twice, or a paid feature was unavailable for a material period, contact us and we will investigate and refund what is due. Nothing in this policy limits your rights under the Consumer Protection Act 2019.
5.5 How to request a refund
Email hello@finclara.co from the address on your account, with the payment reference and what went wrong.
- We acknowledge within 24 hours.
- We decide and communicate the outcome within 7 working days.
- Approved refunds are returned to the original payment method, typically within 5–7 working days of approval, subject to your bank or card issuer's timelines.
5.6 Contact for billing
Finclara Private Limited, N7, Flat No. 19, Siddhivinayak Garima, Koynavale, Panvel, Raigarh, Maharashtra – 410208 · hello@finclara.co