Refund & Cancellation Policy

TCI Journal is a digital software subscription (SaaS) that provides access to a private trade journaling, analytics and AI review platform. No physical products are shipped. This page explains how refunds and cancellations work.

1. Nature of the Service

Access is delivered digitally to your registered account immediately after successful online payment and account activation. There is nothing to ship, deliver or exchange physically.

2. Refund Eligibility

• Refund requests must be submitted within 7 days of the payment date via tradercircleindia@gmail.com from the same registered email address, along with the order ID.
• Because TCI is digital software, refunds are reviewed on a case-by-case basis and are not automatic. Reasonable requests (accidental purchase, duplicate charge, or a persistent platform issue we could not resolve for you) are eligible for review.
• Refunds are typically not issued when a significant portion of the subscription period has already been used, when a paid AI Coach feature has been consumed, or when the request is outside the 7-day window.
• Approved refunds are processed back to the original payment method within 5–10 business days, depending on your bank or card issuer. Our payment processor's timelines may add a small buffer.

3. Cancellation

• TCI plans are auto-renewing subscriptions: Monthly renews every 30 days and Annual renews every 365 days. Recurring billing is authorized by you during checkout.
• You can cancel auto-renewal anytime from the Account page (“Cancel auto-renewal”). Cancellation stops future charges.
• Cancelling does not end your current access immediately and does not erase already-paid subscription time — you keep full access until the end of the current paid period.
• Cancellation, on its own, does not automatically trigger a refund. To request a refund of the current period, use the refund process in Section 2 above.

4. What Happens After Cancellation or Expiry

• Your account is preserved. You do not lose access to the trades and notes you have already recorded.
• Premium and AI Coach features become unavailable once the paid period ends.
• You can subscribe again at any time to restore full access.

5. How to Request a Refund

Email tradercircleindia@gmail.com from your registered email address with:

• Your order ID (visible on the Account page and in your payment confirmation email).
• The date of payment.
• A short reason for the request.

We aim to respond within 2 business days. Approved refunds are processed to your original payment method.

6. Chargebacks

Please contact us first before initiating a chargeback with your card issuer or bank. In most cases we can resolve the issue faster than a chargeback dispute.

7. Changes to This Policy

We may update this policy from time to time. Material changes will be reflected on this page with a new “Last updated” date.