Refund & Chargeback Policy

This Refund & Chargeback Policy applies to all fees paid to E-Square Financials for: • Platform subscription plans (Starter, Professional, Enterprise) • Tax filing and compliance services • Investment advisory and financial planning services • Real estate consultation services • Loan facilitation services

This Policy is in accordance with the Consumer Protection Act, 2019, the Information Technology Act, 2000, and applicable RBI guidelines on digital payment disputes.

2.1 Free Trial Period All subscription plans include a 14-day free trial. No payment is collected during the trial period. You may cancel before the trial ends at no charge.

2.2 Monthly Subscriptions Monthly subscriptions are billed in advance. Refunds are available within 7 days of the billing date if: • The service was not accessible due to a platform outage exceeding 24 cumulative hours in the billing period • You were incorrectly charged (billing error) • You cancel within 48 hours of the first charge after the free trial

No refunds are issued after 7 days from the billing date for monthly plans.

2.3 Annual Subscriptions For annual plans, a pro-rata refund for the unused full months may be requested within 30 days of the initial purchase. No refunds are issued after 30 days. Pro-rata calculations exclude the first month.

2.4 Downgrade vs Cancellation If you downgrade to a lower plan, you will receive credit toward future billing. No cash refund is issued for the price difference.

3.1 Tax Filing Services • Refund requests for ITR filing, GST filing, or TDS services must be raised before the return has been submitted to the Income Tax Department or GST portal. • Once a return is filed and an acknowledgement number is issued, no refund is applicable. • If a filing error is attributable solely to our team (not to incorrect information provided by you), we will refile at no additional charge.

3.2 Investment Advisory • Advisory fees for financial planning, portfolio review, and goal-based planning are non-refundable once the advisory session has been conducted. • If a scheduled session is cancelled by us with less than 24 hours' notice, a full refund or rescheduling will be offered.

3.3 Real Estate Consultation • Consultation fees are non-refundable once the property report or advisory has been delivered. • Property transaction facilitation fees are refundable only if the transaction does not proceed due to title defects discovered during our due diligence.

3.4 Loan Facilitation • Loan processing facilitation fees are non-refundable once the application has been submitted to the lender. • If a loan is rejected solely due to our documentation error (not your credit profile), a full refund of our facilitation fee will be processed.

To initiate a refund:

Step 1: Email [email protected] with subject: "Refund Request — [Your Name] — [Service/Plan]" Step 2: Include your registered email address, transaction ID or Razorpay payment ID, date of payment, amount, and reason for refund request. Step 3: We will acknowledge your request within 2 business days. Step 4: Eligible refunds will be processed within 7–10 business days of approval.

Refunds are credited back to the original payment instrument (credit/debit card, UPI, net banking) used at the time of purchase. Cash refunds are not available.

The following are explicitly non-refundable: • GST collected on service fees (as per GST law, once collected and remitted, GST cannot be refunded) • Convenience fees charged by payment gateways • Fees for services fully rendered and delivered • Subscriptions beyond the applicable refund window • Add-on services that have been consumed • Fees paid to third parties (banks, NBFCs, government portals) facilitated through our platform

6.1 We encourage you to contact us directly before initiating a chargeback with your bank or card issuer. Most disputes can be resolved faster and more efficiently through direct communication.

6.2 If you initiate a chargeback without first contacting us, and our records show the charge was legitimate and the service was delivered, we will provide evidence to your bank/card issuer to contest the chargeback.

6.3 Fraudulent chargebacks — where a chargeback is filed for a legitimate charge — may result in suspension of your account, reporting to relevant authorities, and recovery of the disputed amount plus applicable fees.

6.4 If you believe a payment was made fraudulently (i.e., your card or account was compromised), please contact us immediately at [email protected] and also notify your bank. We will cooperate fully with your bank's investigation.

You may cancel your subscription at any time from the Account Settings page (Settings → Billing → Cancel Subscription).

Upon cancellation: • Your subscription remains active until the end of the current paid period • No further charges will be made • Your data is retained as per our Privacy Policy and you may export it during the active period • Reactivation is available at any time at the then-current pricing

To cancel: Dashboard → Settings → Billing → Cancel Subscription, or email [email protected].

Failed Payments: If a payment fails but your account is debited, the amount will automatically be reversed by your bank within 5–7 business days. If not reversed, contact us with your bank statement and transaction reference.

Duplicate Charges: If you are charged twice for the same service, the duplicate charge will be fully refunded within 3 business days upon verification. Contact us immediately with both transaction IDs.

If your refund request is denied and you disagree with our decision:

Level 1: Reply to the refund denial email with additional supporting documents. We will review within 5 business days.

Level 2: If unresolved, email [email protected] directly for escalation to senior management.

Level 3: You may approach the Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or file a complaint with the Reserve Bank of India's Ombudsman (for payment disputes) or SEBI's SCORES portal (for investment service disputes).

This policy may be updated from time to time. Changes will be communicated via email to registered users and posted on this page. Continued use of the Platform after changes constitutes acceptance.

Last updated: 27 March 2026 For queries: [email protected] | +91 96522 19351