Cancellation & Refund Policy

To ensure total transparency, all users must understand that transactions on the RAStage platform fall into two separate and distinct legal categories:

The following terms govern paid subscriptions purchased by Research Analysts to use RAStage SaaS:

• Billing Cycles: Platform licenses are billed on a recurring monthly, quarterly, or annual schedule as selected during plan activation.
• Immediate Resource Allocation: Upon paid activation, dedicated cloud resources (AWS Mumbai), database partitioning, official WhatsApp Cloud API throughput, and custom domain SSL certificates are provisioned immediately.
• General Non-Refundability: Once a paid billing cycle commences, subscription fees paid to RAStage are non-refundable for the elapsed period.
• Plan Upgrades: When upgrading to a higher tier (e.g. Pro or Enterprise), the unused portion of your existing plan is credited pro-rata toward the upgrade.

RAStage offers new Research Analysts a risk-free trial period (e.g., 14 days) to evaluate all features before financial commitment:

• No Surprise Charges: You can explore Recommendation Studio, WhatsApp test broadcasts, client CRM, and compliance inspection binders during the trial without automatic credit card deduction.
• Trial Expiration: At the conclusion of the trial period, access to broadcasting and client portals transitions to view-only mode until a paid plan is selected.
• Data Preservation: Drafted templates, custom domains, and client lists configured during the trial are preserved for 30 days to allow seamless activation.

Therefore, the following policies apply to end-client advisory payments:

• Analyst’s Stated Policy: The refund terms applicable to advisory services are defined by the respective SEBI Registered Research Analyst and displayed on their customized service checkout page.
• General Rule on Dispatched Advice: Because market recommendations cannot be returned once delivered, fees for research services are non-refundable once the subscription tenure has commenced and recommendations have been dispatched.
• Pre-Activation Cancellations: If a client subscribes to a future-dated research service package and cancels in writing prior to package commencement and prior to receiving any recommendations or research notes, the RA may grant a refund subject to applicable administrative processing fees.

The following matrix outlines circumstances under which refund requests are approved or denied across the platform:

All refunds approved in accordance with this policy are processed through our payment gateway partner, Razorpay Software Private Limited:

• Original Payment Method (Source Reversal): Refunds are credited strictly to the original payment instrument utilized during checkout (e.g., source UPI VPA, original debit/credit card, or netbanking bank account). We cannot issue refunds in cash or to third-party bank accounts.
• Banking TAT (Turnaround Time):
  • UPI Payments: Typically credited within 24 to 48 banking hours.
  • Credit / Debit Cards: Typically reflected in card statements within 5 to 7 business days, depending on the issuing bank's settlement cycle.
  • Netbanking: Typically credited within 3 to 7 working days.
• GST Treatment: In accordance with Indian Goods and Services Tax (GST) rules, tax credit notes are issued for refunded amounts where applicable.

7.1 Cancelling RAStage SaaS Subscriptions: Research Analysts can cancel their ongoing platform renewal at any time via the console billing panel. Upon cancellation:

• Your account remains fully active until the final day of your current paid billing period.
• No further automated renewal debits will be initiated.
• Your regulatory inspection data within the SEBI Audit Vault remains downloadable as tamper-evident PDF/Excel binders to ensure statutory record compliance.

7.2 Cancelling End-Client Advisory Subscriptions: End-clients who do not wish to renew their research packages can opt out of renewal alerts or turn off auto-renewals at any time through their client dashboard. Advisory access will terminate automatically at the end of the paid validity date.

No Guarantee of Capital or Returns: Clients expressly acknowledge that no Research Analyst, nor RAStage as a technology provider, can or does guarantee trading profits, capital preservation, or successful outcomes on recommendations. Market losses, missed entry targets, or stop-loss executions cannot under any circumstances constitute valid grounds for refund requests, fee clawbacks, or payment disputes.

Initiating a chargeback or payment reversal claim with your bank or credit card issuer without prior communication with RAStage or your Research Analyst causes operational disruption and violates our Terms of Service:

• Mandatory Pre-Dispute Communication: If you believe a billing error or duplicate charge has occurred, you must submit a ticket to our Billing Desk (billing@techthaastu.com) before initiating a banking dispute.
• Chargeback Evidence Submission: In response to any formal chargeback, RAStage and the Research Analyst will submit comprehensive audit records from the **SEBI Audit Vault**, including phone verification logs, OTP timestamps, IP addresses, WhatsApp read receipts, and delivery logs proving delivery of the contracted digital service.
• Suspension for Fraudulent Chargebacks: Accounts that file unfounded, deceptive, or bad-faith chargebacks post-consumption of recommendations will face immediate platform suspension and may be reported to appropriate regulatory bodies.

If you have experienced a duplicate debit, unresolved billing query, or require assistance with an approved refund, our dedicated Billing & Grievance Desk is at your service: