Cancellation, Refund & Return Policy

1. Overview

This Cancellation, Refund & Return Policy ("Policy") explains how cancellation, refunds, returns, and the short cooling-off window work for paid plans sold by Silvermax Capitals("we", "us", or "our") through silvermaxcapitals.com and related communications. By completing a purchase, you agree to this Policy together with our Terms & Conditions.

In short: you may request a full refund within 48 hours of successful payment if we have not yet started delivering the plan. Once the cooling-off window ends, or once service has started, whichever happens first, fees are non-refundable. Physical returns do not apply because this is a digital advisory service.

2. Nature of what you are buying

Our offerings are prepaid digital research and trading advisory services for a fixed plan period. Depending on the plan, this may include trade ideas, research notes, strategy coverage, WhatsApp or similar messaging access, webinars, and related communications. They are not physical goods, software boxes, or downloadable products that can be packed and sent back.

Because the value of research is delivered as soon as access or content is provided, refund eligibility is tied to whether delivery has started, not only to the calendar clock. Please read Section 3 carefully before you pay.

You should evaluate our approach using any free trade calls or public information we make available before purchasing. Market outcomes, profits, and losses are not a basis for refund under this Policy.

3. Short cooling-off refund

We offer a short cooling-off window so that a genuine change of mind can be honoured before any plan delivery begins.

You are eligible for a full refund of the plan fee you paid (including GST collected on that payment, processed in accordance with applicable tax rules) only if all of the following are true:

• Your payment for the plan was successfully captured; and
• We receive your written refund request at info@silvermax.capital within 48 hours of the payment timestamp (see how time is calculated below); and
• Service has not commenced for that purchase, as defined in Section 4.

If any one of these conditions is not met, the cooling-off refund is not available. There is no partial or pro-rata cooling-off refund.

How the 48 hours are counted

• The window starts at the time your payment is successfully captured by our payment provider (for example, Razorpay) or, for bank transfer, when the amount is credited to our account.
• Time is counted in Indian Standard Time (IST), continuously, including nights, weekends, and public holidays.
• The request is treated as received when our email system records it, not when you intended to send it. Please keep a copy of your sent mail and payment receipt.
• A request sent after 48 hours cannot be accepted under this cooling-off section, even if service has not started.

What a cooling-off refund covers

An approved cooling-off refund is a full reversal of the amount paid for that plan purchase. We do not deduct an administration fee for a valid cooling-off request. Payment gateway charges billed to us by the provider, if any, are absorbed by us for this window.

A cooling-off refund does not include trading profits you hoped to make, compensation for market movement, or any amount beyond the fee actually paid to us for that plan.

4. When service is treated as started

Service has commenced, and the cooling-off refund is then closed, if any one of the following has occurred for that purchase, even if the 48 hours have not yet elapsed:

• You are added to a paid WhatsApp group, broadcast list, Telegram channel, email list, portal, or similar access used to deliver the plan.
• We send you a trade idea, research note, entry/exit level, watchlist, webinar link, onboarding pack, login, or other plan content.
• A member of our team begins one-to-one onboarding, suitability discussion, or plan-specific advisory for that purchase (including by call, WhatsApp, or email).
• You acknowledge receipt of access or content, or you use, forward, or act on any paid-plan material we sent.

Free trade calls or public website content that you received before this purchase do not, by themselves, count as commencement of the paid plan. Content delivered after payment as part of that plan does.

If you request a cooling-off refund, do not use any access we may have prepared. Using access after requesting a refund may be treated as commencement and can make the request ineligible.

5. Refunds after the cooling-off window

After the 48-hour window ends, or after service has started (whichever is earlier), plan fees are non-refundable. We do not offer refunds, exchanges, store credit, or pro-rata refunds for unused days, unused calls, unused strategies, change of mind, dissatisfaction with market outcomes, or a decision to stop using the service before the plan period ends.

This is because the service is time-bound research coverage. Once delivery begins, the research cannot be taken back, and unused capacity in a plan is not a separate product we can restock.

6. Cancellation

Cancellation and refund are different. Cancellation means you no longer want continuing communications for a plan. A refund is a return of money. Cancelling does not automatically create a refund right.

Cancelling during the cooling-off window

If you cancel in writing within 48 hours of payment and service has not commenced, that cancellation is also treated as a cooling-off refund request under Section 3, provided you include the details listed in Section 10.

Cancelling after service has started or after 48 hours

You may still ask us to stop further communications at any time by writing to info@silvermax.capital. We will end ongoing plan messages where reasonably practicable. That cancellation does not entitle you to a refund of fees already paid, including for any unused portion of the plan period, unused call limits, or unused add-on strategies.

We are not required to pause a plan, freeze remaining days, transfer the plan to another person, or convert unused time into a later enrolment, unless we agree in writing.

Plan duration and renewal

Plans are sold for a stated duration (for example, 15 days, 1 month, 3 months, or 6 / 12 months) and are not automatically renewed unless we expressly agree otherwise in writing. If a renewal is offered and you do not want it, decline before the next payment is collected. A renewal payment is a new purchase and has its own 48-hour cooling-off window, again only if delivery of that renewal period has not started.

7. Returns

Returns do not apply to our services. We do not sell physical products, packaged goods, or items that can be shipped back, inspected, and restocked.

Research notes, trade ideas, webinars, chat access, and similar materials are intangible digital content. Once access is granted or content is delivered, it cannot be "returned" in unused condition. There is therefore no return window, no reverse pickup, and no replacement-of-goods process.

If your situation is a request for money back, it is a refund request under Sections 3, 5, or 9, not a return of goods. If your situation is that you no longer want messages, it is a cancellation under Section 6.

8. What is not a ground for refund

Except for a valid cooling-off request under Section 3 or an exception in Section 9, we will not refund fees because, without limitation:

• You did not make a profit, incurred a trading loss, or were dissatisfied with market performance or with a particular trade idea.
• You changed your mind after service started, purchased the wrong plan, or no longer wish to trade.
• You did not use all calls, strategies, webinars, or materials included in the plan.
• You missed communications, or your email, phone, or messaging details were incorrect, incomplete, or later changed without timely notice to us.
• Markets were closed, volatile, or offered fewer setups than you expected during the plan period.
• You disagree with our research view, risk limits, or the number of ideas issued.
• You requested cancellation after the cooling-off conditions were no longer met.

Past performance is not indicative of future results. We do not guarantee returns. Trading involves substantial risk of loss.

9. Other limited exceptions

Separate from cooling-off, we may process a refund at our discretion or where required by law in these limited cases:

• Duplicate payment: the same purchase was charged more than once in error. We refund the duplicate amount, not the valid plan fee, unless you also qualify under Section 3.
• Payment captured without service: we received payment but were unable to commence the plan due to a confirmed failure on our side, and we cannot reasonably start delivery within a short time after you notify us.
• Statutory rights: a refund is mandated under applicable Indian law, including for a proven deficiency of service that we are unable to remedy.

These exceptions are not a general money-back guarantee and do not extend the cooling-off window.

10. How to request a cooling-off refund or raise a dispute

Email info@silvermax.capital with the subject line "Cooling-off refund request" (or "Duplicate payment" / "Service not started" as applicable). Include:

• Full name as used at checkout
• Registered mobile / WhatsApp number
• Email address, if any
• Plan name and duration
• Payment reference, Razorpay payment ID, UTR, or transaction ID
• Date and approximate time of payment (IST)
• A clear statement that you want a cooling-off refund and that you have not used any paid-plan access or content

We may ask for additional verification (for example, a payment screenshot). We aim to confirm whether the request qualifies within 3 business days of receiving complete information.

Approved refunds are typically returned to the original payment method within 7–14 business days after we confirm eligibility, subject to the payment provider's timelines. GST treatment of any refund will follow applicable tax rules, including any credit note we are required to issue.

Chargebacks or payment disputes filed without first contacting us may delay resolution. Please write to us first so we can check the transaction against this Policy.

11. Changes to this Policy

We may update this Policy from time to time. The "Last updated" date will reflect revisions. The version in force when you complete a purchase applies to that transaction, unless a change is required by law.

12. Contact

Questions about this Policy: info@silvermax.capital