Refund & Cancellation Policy

1. What you are buying

FinShield360 sells one-time digital products — currently the Clarity Snapshot (₹199) — that generate a personalised, instantly-delivered report based on the answers you provide. These are educational diagnostics and are not investment, insurance, tax or legal advice.

2. Digital delivery and cancellation

Your purchase is fulfilled the moment your assessment is submitted and your report is generated and made available in your dashboard and by email. Because the product is delivered digitally and immediately, an order cannot be cancelled once the report has been generated.

If you have paid but have not yet started or completed the assessment, you may cancel and request a full refund within 7 days of payment.

3. When you are eligible for a refund

A full refund is issued if: (a) you were charged more than once for the same order; (b) payment was deducted but no order or report was created; (c) the report could not be generated or delivered due to a technical fault on our side and we are unable to fix it within 7 working days; or (d) you paid but have not yet generated your report and request cancellation within 7 days.

4. When a refund is not available

Refunds are not available once your report has been generated and delivered, if the request is based on the outcome of the report (for example the score, gaps or figures shown), if incorrect information was entered by you, or if the request is made more than 7 days after payment.

5. How to raise a request

Email info@finshield360.com from the email address used for the purchase, with your payment ID or order ID and a short description of the issue. We acknowledge every request within 2 working days.

6. Refund timelines

Approved refunds are processed to the original payment method within 5–7 working days. Depending on your bank or card issuer, it may take an additional 3–5 working days for the amount to reflect in your account. Payment gateway charges, where non-recoverable, are borne by FinShield360.

7. Chargebacks

Please contact us before raising a chargeback with your bank. Most issues are resolved faster directly, and a chargeback may temporarily restrict access to your FinShield360 account until it is settled.

8. Consent

Before completing a paid checkout, you are asked to review and explicitly accept this Refund & Cancellation Policy. Your consent — with the policy version, date and time — is recorded against your purchase. Payment cannot proceed without it.