As customer satisfaction is a primary concern, in certain exceptional circumstances, we (defined below) may at our sole discretion refund to you (defined below), as per the following policy.
1. Terms and Conditions
1.1.1 Borderless Investing Inc., and its affiliates, the owner of the Stockal platform/Licensed service (“we” or “us” or “our”);
1.1.2 Customers who paid for and opened a subscription account on Stockal (“you” or “your”);
1.1.3 Words shall have the same meaning regardless of whether they appear in singular or in plural.
1.2. Whether the refund application will be approved or declined shall be at our sole discretion and is final and binding.
1.3. All terms and conditions of this Refund Policy shall be subject to the terms and conditions of the User License Agreement and other disclosures on Stockal.
1.4. If more than fifteen  days have lapsed since the purchase was made, any refund will not be possible.
1.5. We shall refund any funds in the same manner of deposited payment or in a manner as may be decided by us, subject to all regulatory and compliance norms.
1.6. The refunded amount will be subject to additional or separate handling charges and taxes if applicable according to the refund method.
1.7. Processing of refund requests may take up to fifteen  business days.
1.8. Factors that we will take into consideration shall include but not be limited to:
1.8.1. Whether or not there are active investments/orders placed and/or has a third -party lien of any kind.
1.8.2. There are no investigations underway associated with any of the terms of the current User License Agreement.
2. Standard Policy
2.1. No refunds are applicable on any accounts which are funded.
2.2. If your account has been suspended due to any violation of the current User License Agreement or due to any other abuse or fraudulent activities detected, no refund is provided under any circumstances.
2.3. We will not provide any refund to you due to losses for any reasons, whether foreseen or unforeseen.
2.4 In the event you wish to close your account (and subject to clause 1.4 herein), a request for a refund must clearly be raised in the accompanying account closure request. Please note, that the submission of an account closure request does not imply nor guarantee that a refund shall also be initiated and processed. Such refund on account closure shall be subject to deductions as applicable.
3.1. Once a refund request is received and assessed, we will send an email to notify you that we have received the request.
3.2. Our support team will contact you to confirm the request or to ask for additional information, if needed.
3.3. We shall notify you of the approval or rejection.
3.4. Refunds shall be made after deducting a cancellation fee for services already rendered.
3.5. If the refund request is approved, the refund will be processed and a credit will automatically be applied to the original payment method, within five  business days. Thereafter your all logins and memberships will be deactivated.
3.6. If you have not received a refund yet, you are requested to check your bank account again and then contact your bank or card issuer. It may take some time before the funds are available in the account, as there are often certain processing periods before a refund is applied.
3.7. If you have followed all the instructions given, and have not received the refund, please contact us at email@example.com.
4.1. We act as a facilitator in India on your behalf. We cannot be held responsible for bureaucratic delays when dealing with government bodies/regulatory institutions /external agencies. All tasks are undertaken on a best effort basis only.
4.2. Time lines for actual refunds to take place and for the credit to reach your account would depend on the speed of banking channels and the credit card companies involved in the transaction (as may be applicable).
4.3. We will not be liable to refund any amounts that has been utilised/lost by you in investments/trading or any other purpose, and is not held by us.
If you have any questions about this Policy do not hesitate to contact us by E-mail: firstname.lastname@example.org