Operator: AppStra (Zerostic — a sole proprietorship firm (Proprietor: Jayant Anand Jha)) Website: https://dashboard.appstra.zerostic.com Effective date: 15 July 2026

This Policy explains how cancellations and refunds work for subscriptions and payments made on https://dashboard.appstra.zerostic.com. It forms part of, and should be read with, our Terms & Conditions.

1. Subscriptions & cancellation

• Subscriptions are billed in advance for the selected period, in Indian Rupees (INR / ₹).
• You may cancel future renewals at any time from your account settings or by contacting us. Cancellation stops future billing; your access continues until the end of the current paid period.
• Cancelling a renewal does not, by itself, entitle you to a refund of fees already paid for the current period, except as set out below.

2. Refund eligibility

Because access to research/advisory communications is delivered digitally and often consumed immediately, fees are generally non-refundable once the subscription period has begun, except:

• Duplicate or erroneous charge — a verified duplicate or incorrect charge is refunded in full.
• Service not delivered — if a paid feature was not made available due to a fault attributable to the operator and cannot be remedied, a pro-rata refund may be issued.
• Discretionary / partial refund — the Analyst (or AppStra, where it is the operator) may, at its discretion and consistent with its stated policy and SEBI fairness norms, approve a full or partial refund. The refund amount may be set by the operator on a case-by-case basis.

Statutory rights that cannot be excluded under applicable law are unaffected by this Policy.

3. How to request a refund

Email support@zerostic.com (or use the in-app support/grievance option) with your registered account, order/reference ID, amount, and reason. We aim to acknowledge requests within 2–3 business days.

4. Approval & processing

• Refund requests are reviewed and, where an intermediary approval is required, are approved by the operator before processing.
• Approved refunds are executed through our payment gateway (Cashfree Payments) back to the original payment method. Refunds typically reflect within 5–7 business days of approval, though the exact timeline depends on the bank/gateway.
• You will be shown a breakdown before confirmation, including the refund amount, any payment-gateway charges, and the net amount payable to you.

5. Payment-gateway charges & deductions

• Payment-gateway (PG) charges on the original transaction and/or refund may be non-refundable and may be deducted from the refund amount. This will be disclosed in the refund breakdown.
• Where AppStra is the platform operator (AppStra): AppStra charges 0% commission and bears 0% of the PG refund charge; any PG refund charge is borne by the Analyst and/or client as disclosed. For the software seat fee component, AppStra's policy is to return 50% and retain 50% of the seat fee on an approved refund; this is applied only to the seat fee and never as a commission on the client's payment. On RA-org deployments, the Analyst sets its own refund terms consistent with SEBI fairness norms.

6. Partial refunds & pro-rata

Where a partial or pro-rata refund is approved, the amount is calculated on the unused portion of the paid period (or as otherwise stated by the operator) and shown in the breakdown before you confirm.

7. Chargebacks

If you have a concern, please contact us first — most issues are resolved quickly. Initiating a chargeback without contacting us may lead to suspension pending investigation.

8. Contact

• AppStra — support@zerostic.com · +91 80763 76175
• Grievance Officer: Jayant Anand Jha — jayant@zerostic.com