CYBERNAUTS TECHNOLOGIES PRIVATE LIMITED (operating as Fortunexa.io) is committed to customer satisfaction. This Refund & Cancellation Policy applies to all digital subscription services offered through our educational platform.

Important

We offer digital educational content and subscription-based access to our platform. All sales are for digital services only. This policy does not cover physical products, as we do not sell or ship any physical goods.

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• Community forums and discussions
• Regular updates and market observations

All subscriptions are for digital access only. There are no physical products, downloads requiring installation, or tangible goods involved.

2. Cancellation Policy Updated

2.1 How to Cancel Your Subscription

Cancellation is easy and can be done at any time. To cancel your subscription:

Option 1 - Self-Service (Recommended):

1. Log in to your Fortunexa.io account
2. Navigate to "Account Settings" or "My Subscriptions"
3. Locate your active subscription
4. Click "Cancel Subscription"
5. Confirm your cancellation
6. You will receive a confirmation email

Option 2 - Contact Support:

• Email: support@fortunexa.io
• Subject line: "Subscription Cancellation Request - [Your Name]"
• Include: Your account email address and subscription details
• We will process your request within 1-2 business days

2.2 What Happens When You Cancel

Access Continuation:

• Your subscription access continues until the end of your current billing period
• You will not be charged again after cancellation
• You can continue using all premium features until the subscription expires
• No partial refunds are provided for the remaining days in your billing period

Example: If you have a monthly subscription that renews on the 15th of each month and you cancel on the 5th, you will retain access until the 15th, but will not be charged for the next month.

After Cancellation:

• Your account remains active but switches to free access (if applicable)
• Your historical data and preferences are preserved
• You can reactivate your subscription at any time

2.3 Auto-Renewal Cancellation

• Cancel at least 24 hours before your next billing date to avoid being charged
• Cancellations made after the billing date may be subject to the refund policy below
• You will receive email reminders before each renewal

3. Refund Policy

3.1 General Refund Terms

We want you to be satisfied with your subscription. Refunds are available under specific circumstances depending on your subscription type and timing of cancellation.

Important Notes:

• All refund requests must be submitted within the eligible timeframe
• Refunds are processed to the original payment method only
• Processing time: 6-8 business days after approval
• Bank processing time may add 3-15 additional business days depending on your financial institution
• Partial period refunds are calculated on a pro-rata basis

3.2 Refund Eligibility by Subscription Type

Monthly Subscriptions

Timing of Cancellation	Refund Amount
Within 7 days of initial signup	Full refund minus processing fees (if applicable)
After 7 days of initial signup	No refund
Any renewal (2nd month onwards)	No refund

Policy Explanation:
First-time monthly subscribers have a 7-day satisfaction guarantee
After 7 days, no refunds are provided
Renewals are non-refundable at any time

Half-Yearly Subscriptions (6 Months)

Timing of Cancellation	Refund Amount
Within first 3 months	Refund = (Total Paid) - (3 × Monthly Subscription Price)
After first 3 months (months 4-6)	No refund

Example Calculation:
Half-yearly subscription cost: €30
Monthly subscription price: €6
If you cancel in month 2: Refund = €30 - (3 × €6) = €12

Policy Explanation:
Cancel within the first 3 months: You'll be charged for 3 months at the monthly rate, with the remainder refunded
Cancel after month 3: No refund is provided

Yearly Subscriptions (12 Months)

Timing of Cancellation	Refund Amount
Within first 6 months	Refund = (Total Paid) - (Half-Yearly Subscription Price)
After first 6 months (months 7-12)	No refund

Example Calculation:
Yearly subscription cost: €50
Half-yearly subscription price: €28
If you cancel in month 4: Refund = €50 - €28 = €22

Policy Explanation:
Cancel within the first 6 months: You'll be charged for the half-yearly rate, with the remainder refunded
Cancel after month 6: No refund is provided

3.3 Non-Refundable Circumstances

Refunds will NOT be provided in the following situations:

• Cancellations after the refund eligibility period has expired for your subscription type
• Renewal charges for any subscription type (2nd billing cycle onwards)
• Change of mind after using the service beyond the refund period
• Account violations - If your account is suspended or terminated for violating our Terms of Service
• Duplicate subscriptions - If you accidentally purchase multiple subscriptions, only the unused one may be refunded
• Promotional or discounted subscriptions - Special offers may have different refund terms specified at purchase
• Partial month usage - We do not provide pro-rated refunds for partial month usage after the refund window closes

3.4 Special Circumstances

Technical Issues:

• Contact support@fortunexa.io immediately
• We will work to resolve the issue within 48 hours
• If we cannot resolve it, we may extend your subscription or provide a refund at our discretion

Billing Errors:

• Contact support@fortunexa.io within 30 days of the charge
• Include transaction details and explanation
• We will investigate and correct any genuine billing errors
• Refunds for billing errors are processed immediately upon verification

Exceptional Cases:

In rare circumstances (medical emergencies, extended hospitalization, etc.), we may consider refunds outside the standard policy on a case-by-case basis. Contact us with documentation.

4. How to Request a Refund

4.1 Refund Request Process

To request a refund:

Step 1 - Submit Request:

• Email: support@fortunexa.io
• Subject line: "Refund Request - [Your Name] - [Subscription Type]"

Step 2 - Include Required Information:

• Your full name and account email address
• Subscription type (Monthly, Half-Yearly, Yearly)
• Subscription start date
• Reason for refund request
• Original payment receipt or transaction ID (if available)

Step 3 - Verification:

• We will verify your subscription details
• We may ask for additional information to confirm your identity

Step 4 - Review:

• Our team will review your request within 2-3 business days
• We will determine eligibility based on this policy
• You will receive an email notification of our decision

Step 5 - Processing:

• If approved, refunds are processed within 6-8 business days
• Refunds are issued to the original payment method
• You will receive a confirmation email once processed

4.2 Refund Processing Timeline

Stage	Timeline
Request review and approval	2-3 business days
Refund processing by Fortunexa	6-8 business days after approval
Bank/payment processor processing	3-15 business days (varies by institution)
Total time to receive refund	11-26 business days from request

Note: International transactions may take longer. Contact your bank if you don't see the refund after the expected timeframe.

5. Payment Cycles and Billing

5.1 Auto-Renewal Subscriptions

If you choose Auto-Renewal during signup:

How It Works:

• Your payment method is billed automatically at the end of each billing period
• You maintain uninterrupted access to premium features
• You receive an email reminder 7 days before each renewal
• You can cancel anytime before the renewal date to avoid being charged

Billing Frequency by Subscription Type:

• Monthly Subscriptions: Rebilled every 30 days from signup date
• Half-Yearly Subscriptions: Rebilled every 180 days (6 months) from signup date
• Yearly Subscriptions: Rebilled every 365 days (12 months) from signup date

Example: If you subscribe on January 15th with monthly auto-renewal, you'll be billed again on February 15th, March 15th, and so on.

Managing Auto-Renewal:

• You can disable auto-renewal at any time in your account settings
• Disabling auto-renewal does NOT cancel your current subscription
• Your access continues until the end of the current billing period
• You can manually renew later if desired

5.2 One-Time Payment Subscriptions

If you choose One-Time Payment during signup:

How It Works:

• Your payment method is billed once only
• You receive access for the full subscription duration
• Your subscription automatically expires at the end of the period
• You will not be charged again unless you manually renew

Example: If you purchase a one-time yearly subscription on January 15, 2025, your access ends on January 15, 2026, with no automatic renewal.

Renewal After Expiration:

• You will receive email reminders as your expiration date approaches
• You can manually renew your subscription anytime
• Renewal must be initiated by you; we do not auto-charge

5.3 Payment Methods Accepted

We accept the following payment methods:

• Credit cards (Visa, Mastercard, American Express)
• Debit cards
• PayPal

All payments are processed securely through our payment partners: Stripe and PayPal.

5.4 Currency and Pricing

• Prices are displayed in Euros (€) for most customers
• Prices may be displayed in USD ($) or other currencies based on your location
• Currency conversion rates (if applicable) are determined by your payment processor
• Applicable taxes (GST for India, VAT for EU) are added at checkout
• Subscription prices may change with 30 days' advance notice to existing subscribers

6. Failed Payments and Account Suspension

6.1 Payment Processing and Security

Important: Fortunexa does not store or have access to your payment information. All payment processing is handled securely by our trusted payment partners:

• Stripe - for credit/debit card payments
• PayPal - for PayPal account payments

Your payment details (card numbers, expiration dates, CVV codes) are never stored on our servers and are processed directly by these payment processors in compliance with PCI DSS (Payment Card Industry Data Security Standard).

6.2 What Happens if Payment Fails

If an auto-renewal payment fails, the process depends on your payment method:

For Stripe Payments (Credit/Debit Cards):

• Day 1: Stripe automatically attempts to process the payment
• Days 2-7: Stripe may retry the payment according to their retry logic (typically 3-4 attempts over a week)
• Day 1-7: You receive email notifications from Stripe about the failed payment
• Day 7-10: We receive notification from Stripe that payment has failed after all retry attempts
• Day 10-14: We send you an email notification that your subscription is at risk of cancellation
• Day 15: If payment is still unsuccessful, your subscription access may be suspended
• Day 21+: If the issue persists, your subscription is automatically cancelled

For PayPal Payments:

• Day 1: PayPal attempts to process the payment from your PayPal account or linked payment method
• Days 2-7: PayPal handles retry attempts according to their policies
• Day 1-7: You receive notifications from PayPal about the payment issue
• Day 10-14: We send you an email to resolve the payment issue with PayPal
• Day 15: Your subscription access may be suspended if payment remains unsuccessful
• Day 21+: Subscription is cancelled if not resolved

Common Reasons for Payment Failure:

• Insufficient funds in account
• Expired credit/debit card
• Card blocked by bank for security reasons
• Incorrect billing address
• Payment method removed from PayPal account
• Bank declined the transaction
• International transaction restrictions

6.3 Updating Payment Information

Since we don't store your payment information, you must update it directly with your payment processor:

If You Paid via Stripe (Credit/Debit Card):

You have two options:

Option 1 - Through Fortunexa (Recommended):

1. Log in to your Fortunexa account
2. Go to "Account Settings" > "Billing & Subscriptions"
3. Click "Update Payment Method"
4. You'll be redirected to Stripe's secure payment page
5. Enter your new payment information
6. Stripe will securely save this information for future renewals

Option 2 - Contact Stripe Support:

• Visit the Stripe customer portal link in the email they sent you
• Update your payment method directly through Stripe
• Contact Stripe support if you need assistance

If You Paid via PayPal: Option 1 - Through Your PayPal Account:

1. Log in to your PayPal account at paypal.com
2. Go to "Settings" > "Payments"
3. Find "Manage automatic payments"
4. Locate Fortunexa/CYBERNAUTS TECHNOLOGIES
5. Update your payment method or funding source
6. Ensure your PayPal account has sufficient balance or a valid payment method attached

Option 2 - Cancel and Resubscribe:

1. Cancel your current subscription in your Fortunexa account
2. Wait for the cancellation to process
3. Sign up again with a valid PayPal account or payment method

Need Help?

Contact us at support@fortunexa.io if you're having trouble updating your payment information. While we can't update payment details ourselves, we can:

• Extend your subscription temporarily while you resolve payment issues
• Provide guidance on updating payment methods
• Manually reactivate your subscription once payment is successful

6.4 Subscription Suspension and Grace Period

Grace Period:

• Days 1-14: Your subscription remains active while payment processors attempt retries
• Days 15-21: Your account enters "suspended" status with limited or no access
• Day 21+: Subscription is cancelled if payment issue is not resolved

During Suspension:

• You may lose access to premium content and features
• Your account data and preferences are preserved
• You can still log in to update payment information
• Community features may remain accessible (at our discretion)

Email Notifications:

• When payment initially fails (from Stripe/PayPal)
• After all automatic retries are exhausted (Day 7-10)
• Before suspension (Day 12-14)
• Upon suspension (Day 15)
• Before final cancellation (Day 18-20)

6.5 Reinstating Suspended Subscriptions

If your subscription was suspended due to failed payment:

Step 1 - Resolve Payment Issue:

• Update your payment method with Stripe or PayPal (see Section 6.3)
• Ensure sufficient funds are available
• Verify your bank hasn't blocked the transaction

Step 2 - Contact Us:

• Email: support@fortunexa.io
• Subject: "Reinstate Suspended Subscription - [Your Name]"
• Include: Your account email and confirmation that payment method is updated

Step 3 - Payment and Reactivation:

• We will process the outstanding payment through the updated payment method
• Your subscription will be reactivated within 24-48 hours
• You'll receive a confirmation email once reactivated
• Your original subscription end date will be extended by the suspension period (at our discretion)

Fees:

• No additional fees for reinstating suspended subscriptions
• You will be charged for the missed billing period
• If multiple billing periods were missed, you may be charged for all missed periods or offered a fresh subscription

6.6 Preventing Payment Failures

To avoid payment issues:

• Keep payment methods current – Update expiring cards before they expire
• Maintain sufficient funds – Ensure your account has enough balance on renewal dates
• Check email regularly – Respond promptly to payment failure notifications
• Whitelist our emails – Add notifications@fortunexa.io and emails from Stripe/PayPal to your contacts
• Update billing address – Ensure your address matches what's on file with your bank
• Check with your bank – Verify international/online transactions are enabled
• Monitor PayPal balance – Keep your PayPal account funded or linked to a valid payment method

Renewal Reminders:
We send email reminders 7 days before your subscription renews, giving you time to:

• Verify your payment method is valid
• Update payment information if needed
• Cancel if you no longer wish to continue

7. Subscription Downgrades and Upgrades

7.1 Upgrading Your Subscription

Mid-Cycle Upgrades:

• If you upgrade from a lower tier to a higher tier during your billing period
• You will be charged a pro-rated amount for the difference
• The upgrade takes effect immediately
• Your next billing date remains the same

Example: You have a monthly subscription for €6, and on day 15 you upgrade to a half-yearly subscription. You'll be charged the difference for the remaining 15 days at the new rate.

7.2 Downgrading Your Subscription

End-of-Cycle Downgrades:

• Downgrades take effect at the end of your current billing period
• You maintain your current access level until then
• You are charged at the lower rate on your next billing date
• No refunds are provided for the price difference in the current period

Mid-Cycle Downgrade Requests:

• We do not offer mid-cycle downgrades with refunds
• You can cancel and resubscribe at the lower tier, but will lose access until the new subscription starts

8. Educational Content and Service Expectations

8.1 Nature of Service

What You Receive:

• Access to educational content, guides, and resources
• Documentation of our personal investment journey
• Educational tools and frameworks
• Community discussion access
• Regular content updates

What You Do NOT Receive:

• Personalized investment advice or recommendations
• Guaranteed investment returns or outcomes
• One-on-one consultations or coaching
• Downloadable software or physical materials
• Performance guarantees

8.2 Content Changes

We reserve the right to:

• Update, modify, or remove content at any time
• Change the structure or format of educational materials
• Adjust community features or tools
• Discontinue certain features (with reasonable notice)

Refund Eligibility: Content changes do not automatically qualify for refunds unless they significantly diminish the core value of your subscription.

9. Free Trials and Promotional Offers

9.1 Free Trial Terms (If Applicable)

If we offer a free trial:

During the Trial:

• You have full access to premium features for the trial period
• No charges are applied during the trial
• You can cancel anytime during the trial without being charged
• We may require a payment method on file

After the Trial:

• If you don't cancel before the trial ends, your payment method is charged
• The regular subscription price applies
• Standard refund policy applies from the date of the first charge

9.2 Promotional Discounts

Special promotional offers may have modified terms:

• Discounted subscriptions may have different refund eligibility
• Terms specific to the promotion will be disclosed at the time of purchase
• Promotional pricing may not combine with other offers
• Standard policy applies unless explicitly stated otherwise

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10. Account Termination by Fortunexa

10.1 Termination for Policy Violations

We reserve the right to terminate your subscription and account if you:

• Violate our Terms of Service
• Engage in fraudulent activity or payment disputes
• Share your account credentials with others
• Attempt to circumvent subscription requirements
• Use our platform for illegal purposes

Refund Policy for Terminations:

• Terminations for policy violations are not eligible for refunds
• Any remaining subscription time is forfeited
• You will be notified via email before termination (except in cases of fraud)

10.2 Service Discontinuation

• We will provide at least 30 days' advance notice
• Pro-rated refunds will be issued for remaining subscription time
• You will receive a full refund calculation in the notice

11. Disputes and Chargebacks

11.1 Contact Us First

• Contact us first at support@fortunexa.io
• Most issues can be resolved quickly through customer support
• Chargebacks can result in account suspension and additional fees

11.2 Chargeback Consequences

• Your account will be immediately suspended pending investigation
• If the chargeback is deemed invalid, you may be charged for the chargeback fee
• Repeated chargebacks may result in permanent account termination
• We may report fraudulent chargebacks to payment processors

11.3 Dispute Resolution

1. Contact support@fortunexa.io with full details
2. We will investigate within 5 business days
3. We will provide a written response with our findings
4. If unresolved, the dispute will be handled according to our Terms of Service

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12. Contact Information

12.1 For Cancellations and Refunds

Email: support@fortunexa.io

Subject Line Formats:

• Cancellation: "Subscription Cancellation - [Your Name]"
• Refund: "Refund Request - [Your Name] - [Subscription Type]"

12.2 For General Inquiries

Company: CYBERNAUTS TECHNOLOGIES PRIVATE LIMITED

Email: support@fortunexa.io

Website: https://fortunexa.io

Mailing Address:
F-507 Tower F ACE Platinum Zeta 1
Greater Noida, Gautam Buddha Nagar
Uttar Pradesh 201306, India

12.3 Response Time

• Cancellation requests: Processed within 1-2 business days
• Refund requests: Reviewed within 2-3 business days
• General inquiries: Responded to within 1-3 business days
• Technical issues: Initial response within 24-48 hours

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13. Changes to This Policy

13.1 Policy Updates

We reserve the right to modify this Refund & Cancellation Policy at any time. When we make changes:

• The "Last Updated" date at the top will be changed
• Material changes will be communicated via email to active subscribers
• A notice may be posted on our website homepage

Effective Date:

• Changes take effect immediately for new subscriptions
• For existing subscribers, changes take effect on your next renewal date
• You will have the option to cancel before the changes apply if you disagree

13.2 Acceptance

Your continued use of our services after policy changes constitutes acceptance of the modified terms. If you do not agree with changes, you may cancel your subscription before they take effect.

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14. Legal and Governing Law

This Refund & Cancellation Policy is governed by the laws of India and should be read in conjunction with our Terms of Service and Privacy Policy.

For legal disputes, the exclusive jurisdiction shall be the courts of Greater Noida, Uttar Pradesh, India.

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15. Summary of Key Points

• Digital services only - No physical products or downloads
• Cancel anytime - Access continues until end of billing period
• 7-day guarantee - Monthly subscriptions have a 7-day refund window
• Longer-term refunds - Half-yearly and yearly subscriptions have proportional refund windows
• No renewal refunds - Second billing cycle onwards are non-refundable
• 6-8 day processing - Approved refunds processed within 6-8 business days
• Bank delays vary - Allow 3-15 additional days for bank processing
• Contact us first - Reach out before initiating chargebacks

Questions? Contact us at support@fortunexa.io