Refund & Cancellation Policy

At Fintook, we want your experience with us to be transparent from day one. This policy explains how refunds and cancellations work across our card, subscription, and platform services.

1. General Overview

Fintook offers card issuance, digital payment tools, and optional premium subscription plans. Refund and cancellation terms can vary depending on the product or plan you've chosen, please refer to your specific plan details for exact terms.

• No Questions Asked Policy: Eligible subscription plans can be cancelled within a specified window for a full refund, no questions asked.
• Pro-rata Adjustments: For annual plans, refunds are calculated based on the unused portion of your subscription.
• Eligibility Requirements: Refund eligibility depends on account status, active subscription, and adherence to our terms of service.

2. Eligibility for Refund

• Subscription Plans: Premium plans can be refunded if cancelled within the first 7–30 days, depending on the plan.
• Card Issuance & Fees:Since Fintook cards carry zero joining and annual fees, most issuance-related charges don't apply — where a service fee is charged, refunds follow the terms below.
• Technical Issues:If a technical issue prevents you from using our services, we'll assess it and issue a full or partial refund if it can't be promptly resolved.
• Duplicate Payments: Duplicate charges are refunded in full once verified.

Note: Refunds are made only to the original payment method. Processing fees, if any, are non-refundable unless stated otherwise.

3. Cancellation Policy

3.1 Subscription-Based Services

• Before the Billing Date:Cancel before your next billing cycle and you won't be charged again — access continues till the cycle ends.
• Mid-Term Cancellations: No refund for the remaining period, but access continues until the current cycle ends.
• Annual Plans: Pro-rata refunds may apply for the remaining period, subject to a cancellation fee.

3.2 One-Time Services

One-time services can't be cancelled once delivered. If not yet initiated, a cancellation request may qualify for a partial refund, minus administrative fees.

3.3 Trial Periods and Promotional Offers

• Trial Cancellations: Cancel anytime during your trial period at no charge.
• Promotional Offers:Offers availed under a promotion may not be refund-eligible, per the specific offer's terms.

3.4 Pending Transactions

Pending, unprocessed transactions can be cancelled free of charge. Once processed, standard refund terms apply.

4. How to Request a Refund or Cancellation

• Contact Support: Reach out via our support portal, email, or phone with your transaction ID, registered email, and reason for the request.
• Verification: Our team verifies eligibility against your account and transaction history.
• Approval or Rejection:You'll be notified of the outcome. Approved refunds are processed within 7–14 business days.
• Confirmation: A confirmation email follows once your refund or cancellation is complete.

Note: Refund timelines may vary depending on your bank or payment gateway.

5. Exceptions and Non-Refundable Services

• Custom Services:Personalized advisory or custom financial recommendations can't be refunded once delivered.
• Digital Content:eBooks, reports, and proprietary tools aren't refundable once accessed or downloaded.
• Courses & Training: Refundable only if requested within the first 10% of content accessed.
• Third-Party Services:Governed by that provider's own refund and cancellation terms.

6. Special Considerations

We understand unique situations come up, medical emergencies, financial hardship, or system errors. Reach out to our support team, and we'll review your case for a partial refund, service credit, or deferred payment on a case-by-case basis.

7. Disputes and Chargebacks

We'd rather resolve issues directly, reach out before raising a chargeback with your bank. If unresolved through support, you can escalate to our management team. For invalid chargebacks, Fintook reserves the right to dispute and recover funds.

8. Changes to this Policy

Fintook may update this policy at any time, effective immediately upon posting. Continued use of our services after an update means you accept the revised terms.