Refund & Cancellation Policy

This policy explains when Anshora LLP ("Northspread", "we", "us") issues refunds for paid ("Pro") access to the Service, and how to request one. It should be read alongside our Terms of Service. This is our complete and exhaustive refund policy — no refund will be issued on any ground other than those expressly described below.

Overview

Pro access is a digital entitlement — worked examples, mock exams, and dashboard analytics — that is considered fully delivered the moment it is activated on your account, regardless of how much of it you actually use afterward. Because delivery is complete at that point, Northspread does not offer refunds for change of mind, and refunds are available only in the three limited circumstances listed below. All refund decisions are made at Northspread's sole discretion based on the evidence provided.

Eligible for a Refund

• Failed activation: your payment was successful but Pro access was not activated on your account within 48 hours of payment confirmation.
• Duplicate charge: you were charged more than once for the same purchase due to a technical or payment-gateway error, evidenced by a bank/card statement or gateway transaction record showing both charges.
• Unauthorized transaction: a payment was made on your account without your authorization, verified to Northspread's sole satisfaction, which may include a request for a police complaint, bank confirmation, or other supporting documentation.

These three circumstances are the only grounds on which a refund will be considered. Refund requests must be raised within 7 days of the transaction date; requests raised after this window, however meritorious, will not be considered, and this window is not extended for any reason, including delayed discovery of an issue or delayed response from Northspread.

Not Eligible for a Refund

Refunds will not be issued for, without limitation:

• Change of mind after purchase, for any reason;
• Not using, or not fully using, the content you paid for;
• Dissatisfaction with exam results, question difficulty, explanation depth, or content/syllabus coverage;
• Personal circumstances preventing use of the Service, including illness, travel, change in exam date, exam postponement or cancellation by NISM/CFA Institute, or change in career or study plans;
• Technical issues caused by your device, browser, internet connection, or any third-party software or service not operated by Northspread;
• Account suspension or termination for violating our Terms of Service;
• Price changes, discounts, coupons, or promotional offers introduced after your purchase;
• Requests made after the applicable review window has passed;
• Requests not accompanied by a valid transaction reference and, where applicable, the supporting evidence described above.

No Partial Refunds

Where a refund is approved, it will be issued in full for the purchase in question. Northspread does not issue partial, pro-rated, or goodwill refunds under any circumstance — including for partial usage, early discontinuation, downgrade, or any reason not expressly listed under "Eligible for a Refund" above.

How to Request a Refund

To request a refund, email support@northspread.in with your registered email address, the transaction reference or receipt, and a description of the issue, along with any evidence required for the applicable ground above. Incomplete requests will not be processed and do not pause or extend the 7-day review window. We aim to acknowledge refund requests within 2 business days and resolve them within 7 business days; Northspread's decision on a refund request is final.

Refund Method & Timeline

Approved refunds are issued to the original payment method via our payment gateway, and may take 5–10 business days to reflect depending on your bank or card issuer. We do not issue refunds via any method other than the original payment instrument, including cash, bank transfer, or account credit, unless the original payment method is no longer available, in which case we will use a comparable method at our discretion.

Chargebacks & Payment Disputes

If you believe a charge is incorrect or unauthorized, you agree to contact us at support@northspread.in before initiating a chargeback or payment dispute with your bank or card issuer, so we can investigate and resolve the issue directly. Initiating a chargeback for a transaction that does not fall within "Eligible for a Refund" above is a breach of our Terms of Service and may result in immediate suspension or termination of your account and Pro access, in addition to any rights or remedies available to Northspread under applicable law, including contesting the chargeback with our payment gateway and providing evidence of service delivery.

Cancellation

Pro access is sold for a fixed plan duration and does not auto-renew unless explicitly stated at checkout. Because there is no recurring charge to cancel, there is nothing to "cancel" mid-plan — your access simply runs for the duration purchased, and does not entitle you to a refund for the unused portion. If we introduce an auto-renewing subscription in the future, this section will be updated to describe how to turn off auto-renewal before the next billing date.

Changes to This Policy

We may revise this policy from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page. Purchases made before a policy change remain governed by the policy in effect at the time of purchase, unless the change is required by law.

Contact Us

Questions about this policy can be sent to support@northspread.in.