Refund And Cancellation Policy

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Refund And Cancellation Policy

This Refund & Cancellation Policy governs payments made for services provided through INVIQ Wealth (“INVIQ”, “we”, “us”, or “our”), including subscriptions, digital services, reports, advisory-support services, and other services offered through our website or application.

1. Subscription Cancellation
  • Users may cancel their subscription at any time through the available account settings or by contacting INVIQ customer support.
  • Cancellation will normally prevent the next renewal payment.
  • Unless otherwise stated at the time of purchase, cancellation does not automatically entitle the user to a refund for the current subscription period.
  • Access to paid features may continue until the end of the applicable paid period.
2. Refund Eligibility

Refunds may be considered in the following circumstances:

  • Duplicate payment made for the same service or subscription.
  • Payment deducted but service/subscription was not activated due to a technical issue attributable to INVIQ.
  • Incorrect or unauthorized charge, subject to verification.
  • Where a refund is required under applicable law or regulatory requirements.
  • Any specific refund entitlement expressly mentioned on the relevant product/service purchase page.
3. Non-Refundable Situations

Unless required by applicable law, refunds generally will not be provided for:

  • Change of mind after purchasing a digital service.
  • Partial or non-use of an active subscription.
  • Failure to use the service during the subscription period.
  • Cancellation after a renewal has been successfully processed, except where INVIQ determines that a refund is appropriate.
  • Services or reports that have already been generated or substantially delivered.
  • Incorrect information, documents, nominee details, or other information submitted by the user.
  • Third-party services, applications, banks, financial institutions, insurers, mutual fund platforms, or other external service providers.
4. Automatic Renewal
  • Where a subscription has an automatic renewal facility, the subscription may renew according to the billing frequency selected by the user.
  • Users are responsible for cancelling the subscription before the next renewal date if they do not wish to continue.
  • Where permitted, INVIQ may send a renewal notification before charging the applicable renewal amount.
5. Refund Request Process

To request a refund, the user should contact:

INVIQ Wealth

Email: info@inviq.in

Website: www.inviq.in

The request should include:

  • Registered name
  • Registered email/mobile number
  • Transaction/order ID
  • Date of payment
  • Amount paid
  • Reason for refund
  • Relevant payment/transaction proof, if required
  • INVIQ may request additional information to verify the transaction.
6. Refund Processing
  • After approval, eligible refunds will normally be processed to the original payment method used for the transaction.
  • The time taken for the amount to appear in the user's account may depend on the payment gateway, bank, card issuer, or other payment service provider.
  • INVIQ is not responsible for delays caused by such third-party payment providers.
7. Failed Transactions

If money has been debited from the user's bank account/card but the transaction has failed and the INVIQ service has not been activated, the amount will generally be reconciled and refunded through the applicable payment mechanism, subject to confirmation of the transaction.

8. Third-Party Services
  • INVIQ may integrate with or provide links to third-party applications, financial institutions, payment gateways, insurers, mutual fund platforms, banks, Account Aggregator services, or other external service providers.
  • INVIQ does not guarantee the availability, processing time, approval, settlement, or refund policies of such third parties.
  • Any refund relating to a third-party service may be subject to that third party's applicable terms and policies.
9. Service Discontinuation

If INVIQ permanently discontinues a paid service before the expiry of a prepaid subscription period, INVIQ may, at its discretion and subject to applicable law, provide a pro-rata refund or alternative service/credit for the unused portion.

10. No Guarantee of Financial Outcome

Payment for an INVIQ service does not constitute a guarantee of any financial return, investment performance, claim settlement, nomination acceptance, inheritance outcome, or approval by any bank, insurer, mutual fund, government authority, or other third party.

11. Changes to this Policy

INVIQ may update this Refund & Cancellation Policy from time to time. The updated version will be published on the INVIQ website/application with the revised effective date.

12. Contact Us

For refund, cancellation, or billing-related queries: INVIQ Wealth