1. Scope

This policy explains how cancellations and refunds are handled for services offered by Artha Terminal ("the Platform"). It applies only to amounts paid directly to us for access to the Platform. It does not apply to money you move through your broker or to investments you make in the securities markets.

2. Current Availability

The Platform is currently offered at no cost. We do not sell subscriptions, and we do not collect payment from users for access to any feature. As a result, there is at present nothing for which a refund would arise.

Where paid features are introduced in future, the terms set out below shall apply to them, and the pricing and billing period shall be disclosed clearly before any payment is taken.

3. Cancellation

• You may stop using the Platform at any time, and you may close your account at any time from your account settings or by writing to us.
• Where a paid plan exists, it may be cancelled at any time. Cancellation prevents further renewals; access continues until the end of the period already paid for.
• Closing your account does not by itself entitle you to a refund of amounts already paid for a period that has been used.

4. Refunds

Where a payment has been made to us, a refund shall be considered in the following cases:

• Duplicate payment: the same amount was charged more than once for the same period.
• Incorrect charge: an amount was charged in error, or an amount other than the disclosed price was charged.
• Non-delivery: a paid feature was not made available to you and we are unable to make it available.

Requests outside these cases are assessed individually and at our discretion. Refunds are not offered for dissatisfaction with market outcomes, for investment losses, or for periods of access already used.

5. How to Request a Refund

Write to us at team@arthaterminal.com from the email address registered on your account, with the date and amount of the payment and a short description of the issue. Requests should be raised within 7 days of the charge. We acknowledge requests within 3 business days.

6. Processing of Approved Refunds

Approved refunds are made to the original payment method used for the transaction. We initiate the refund within 7 business days of approval. The time taken for the amount to appear in your account thereafter depends on your bank or card issuer and is outside our control.

7. Brokerage and Third-Party Transactions

The Platform is an analytics and information service. When you place an order, funds and securities move through your broker, not through us. We do not hold client funds. Brokerage, exchange charges, statutory levies, and any failed or reversed transaction on a broker's platform are governed by that broker's own policies and must be raised with them directly. Nothing in this policy creates a right to a refund of amounts paid to a third party.

8. Digital Delivery

All services are delivered electronically through the Platform. There is no physical product, no shipment, and consequently no return, exchange, or shipping charge.

9. Changes to This Policy

We may update this policy from time to time, including when paid features are introduced. The updated policy shall be posted on this page with a revised "Last updated" date, and shall apply to payments made after that date.

10. Related Policies

• Terms of Service - Terms governing your use of the Platform
• Privacy Policy - How we collect and handle your data
• Risk Disclosure - Risks associated with securities markets

11. Contact Us

For any question about cancellations or refunds: