Refund Policy
Transparent and Fair Refund Terms for Our Research Services
SEBI Registered Research Analyst
Refund Policy Overview
At PredictRAM, we are committed to providing quality research services to our subscribers. This refund policy outlines the terms and conditions under which refunds may be granted for our subscription services.
Our Commitment
We believe in transparency and fair dealing. If you are not satisfied with our services, we have a structured refund process to address your concerns as per SEBI guidelines.
Refund Eligibility
| Scenario | Refund Eligibility | Refund Amount |
|---|---|---|
| Within 7 days of subscription (No services used) | ✓ Eligible | 100% (Less processing charges) |
| Within 7 days of subscription (Services used) | ✓ Eligible | Pro-rata refund (unused portion) |
| After 7 days but before 50% of subscription period | ◐ Partial | Pro-rata refund minus 20% service charge |
| After 50% of subscription period | ✗ Not Eligible | No refund |
| Technical failure on our end | ✓ Eligible | Pro-rata or extension of service |
| Duplicate payment | ✓ Eligible | 100% of duplicate amount |
Non-Refundable Scenarios
Refunds will NOT be granted in the following cases:
- Dissatisfaction with investment returns: Research recommendations are advisory in nature. Investment outcomes depend on market conditions and cannot be guaranteed.
- Change of mind after using services: If you have accessed research reports or used our platform services beyond the cooling-off period.
- Violation of terms: If your account was suspended due to violation of our terms of service.
- Non-usage by choice: If you chose not to use the services during the subscription period.
- Third-party issues: Technical issues arising from your internet connection, device, or third-party services.
- Promotional/discounted plans: Special promotional offers may have different refund terms as specified at the time of purchase.
Important Note
Investment in securities market is subject to market risks. Our research recommendations are based on analysis and should not be considered as guaranteed returns. Non-performance of investments is NOT a valid ground for refund.
Refund Request Process
To request a refund, please follow these steps:
Submit Refund Request
Email your refund request to support@predictram.com with subject line "Refund Request - [Your Name] - [Subscription ID]"
Provide Required Details
Include: Full Name, Registered Email, Phone Number, Subscription ID, Payment Date, Reason for Refund, Bank Account Details (for refund credit)
Request Review
Our team will review your request within 3-5 business days and communicate the decision via email.
Refund Processing
If approved, refund will be processed within 7-10 business days to your original payment method or bank account.
Refund Timeline
| Stage | Timeline |
|---|---|
| Acknowledgment of refund request | Within 24-48 hours |
| Review and decision communication | 3-5 business days |
| Refund processing (if approved) | 7-10 business days |
| Bank credit (depends on bank) | 3-7 additional business days |
| Total estimated time | 15-25 business days |
Subscription Cancellation
How to Cancel
You may cancel your subscription at any time by:
- Emailing support@predictram.com with subject "Cancellation Request"
- Providing your registered email and subscription ID
- Stating your reason for cancellation (optional but helpful)
Cancellation Terms
- Cancellation will be effective from the end of the current billing cycle
- No pro-rata refund for partial month usage unless within cooling-off period
- Access to services will continue until the end of paid period
- All downloaded research reports remain accessible
- Account data will be retained for 6 months post-cancellation
Reactivation
You can reactivate your subscription at any time by making a new payment. Your account history and preferences will be retained for 6 months after cancellation.
Dispute Resolution
If you are not satisfied with our refund decision, you may escalate through the following channels:
| Level | Contact | Timeline |
|---|---|---|
| Level 1: Refund Team | support@predictram.com | 3-5 business days |
| Level 2: Compliance Officer | subir@predictram.com | 7 business days |
| Level 3: SEBI SCORES | scores.sebi.gov.in | 30 days |
| Level 4: ODR Portal | smartodr.in | As per ODR process |
Contact for Refunds
Refund Support
Email: support@predictram.com
Subject Line: Refund Request - [Your Name] - [Subscription ID]
Response Time: Within 24-48 business hours
Registered Office:
PredictRAM Params Data Provider Pvt Ltd
B1/639 A, Janakpuri, New Delhi, Delhi 110058, India
Policy Updates
This refund policy may be updated from time to time. We will notify subscribers of any material changes via email or through our platform. The version date below indicates when the policy was last updated.
| Policy Version | 1.0 |
|---|---|
| Effective Date | December 28, 2024 |
| Last Updated | December 28, 2024 |