Refund Policy

This Refund Policy explains when you are entitled to a refund for a paid Subscription to Oalgo, operated by Kshonee Private Limited ("Company," "we," "us," or "our"). It should be read together with our Terms of Service, Section 10 (Fees, Subscriptions, and Payment).

Refunds are of the full amount you paid, inclusive of GST, since all prices on the Website are displayed GST-inclusive.

You have the right to withdraw from your first paid Subscription to a given tier and receive a full refund, if you request it within 14 days of the date you successfully subscribed. No reason is required.

Example: You subscribe to a paid tier on August 1. You may request a full refund any time up to and including August 15, no questions asked. From August 16 onward, this cooling-off right no longer applies, and the standard non-refundable position in Section 3 below governs instead.

This right applies once per User per Subscription tier. It does not reset each time you resubscribe to the same tier after cancelling, and it does not apply to renewals (see Section 3).

Outside the 14-day window described in Section 2, all Subscription Fees are non-refundable. This includes:

Automatic renewals of an existing Subscription;

A second or later purchase of the same Subscription tier after a prior cancellation;

Any unused portion of a billing period following cancellation — your Subscription remains active until the end of the current billing period, after which no further charges are made and access is revoked, but no partial or pro-rata refund is provided for the remaining unused time.

If the Company terminates your Account without cause, you will receive a pro-rata refund of prepaid Fees for the remaining unused period of your current Subscription. This is unaffected by whether your 14-day cooling-off window (Section 2) has already passed.

Refund requests within the 14-day window (Section 2) can be made through your Account settings or by emailing support@oalgo.trade.

How quickly you get your money back. Once a refund request is approved, we will initiate the refund within 5 (five) to 7 (seven) business days, and in any event within the period prescribed by the Reserve Bank of India for the relevant payment instrument. In no case will we take longer than 14 (fourteen) days from approval to initiate the refund. This is consistent with Rule 5(3) of the Consumer Protection (E-Commerce) Rules, 2020.

The time it then takes for the money to appear in your account depends on your bank, card issuer, or payment provider, and is outside our control — see Section 6.

If your payment was processed by a payment processor acting as merchant of record for your purchase, the refund itself will be issued by that processor, and your relationship with them for that purpose is governed by their own buyer terms. If your payment was processed by a different payment processor, the refund will be issued to your original payment method through that processor.

Processing time for a refund varies by payment method and by your bank or card issuer; we are not responsible for delays caused by your payment provider or financial institution.

You may use the 14-day cooling-off right under Section 2 once per Subscription tier. If a refund has already been issued under that right, you may not separately dispute or chargeback the same payment with your bank, card issuer, or payment processor.

Refunds are issued in the same currency and to the same payment method used for the original payment, where technically possible.

We are not responsible for any fees your payment provider or bank applies when processing a refund.

We may update this Refund Policy to reflect changes in our practices or applicable law. When we do, we'll post the updated version here and update the "Effective Date" at the top. Continuing to use the Platform after a change takes effect means you accept the update.

If you have questions about this Refund Policy, contact us at support@oalgo.trade, or reach our Grievance Officer using the details in our Terms of Service, Section 31.