Refund & Cancellation Policy

1. Digital Services

Cotton Global provides digital products and services including premium news, business directory access, market information, charts, calculators, events, offers and other digital features.

Because subscription benefits can be activated and accessed electronically, subscription fees are generally non-refundable once the subscription has been successfully activated or the subscriber has accessed premium content, except where a refund is required by applicable law.

2. Cancellation

Users may cancel their subscription or disable automatic renewal where such functionality is available.

Cancellation prevents future renewal but generally does not automatically result in a refund for the current subscription period.

After cancellation, users may continue to access their subscribed features until the end of the already-paid subscription period.

3. Eligible Refund Situations

Payment deducted but subscription not activated

If your payment was successfully deducted but your subscription was not activated because of a technical issue, please contact us.

Duplicate payment

If the same subscription payment was accidentally made more than once, the duplicate transaction may be eligible for a refund after verification.

Incorrect subscription

If a technical or processing error results in activation of a different subscription plan than the one selected, contact us immediately.

Technical failure

If a technical problem on Cotton Global's side prevents access to a purchased subscription and we are unable to reasonably resolve the issue, a refund may be considered.

Service discontinuation

If Cotton Global permanently discontinues a paid service before the end of your paid subscription period, we may provide an appropriate refund or alternative solution, subject to applicable law.

4. Non-Refundable Situations

Refunds will generally not be provided for:

• Change of mind after purchasing a subscription.
• Failure to use the subscription.
• Failure to read the subscription features before purchase.
• Failure to cancel before the renewal date.
• Partial use of a subscription.
• Lack of interest in premium content after purchase.
• Device, browser or internet connection problems on the user's side.
• Account suspension resulting from violation of our Terms & Conditions.
• Unauthorized sharing or misuse of subscription benefits.
• Information not meeting the user's individual business requirements.
• Market or financial losses resulting from information obtained from Cotton Global.

5. Refund Request Period

Refund requests should normally be submitted within 7 calendar days from the date of the relevant transaction.

Requests submitted after this period may be considered only in exceptional circumstances or where required by applicable law.

6. How to Request a Refund

To request a refund, contact Cotton Global through the official support or contact channel available on the Platform.

Please provide:

• Registered name
• Registered email address
• Transaction/payment ID
• Subscription plan
• Payment date
• Reason for the refund request
• Any relevant supporting information

7. Refund Review

All refund requests are subject to verification.

We may verify:

• Payment status
• Subscription status
• Account activity
• Premium content access
• Technical issues
• Duplicate transactions
• Payment records
• Other relevant information

Submitting a refund request does not guarantee approval.

8. Refund Processing

If a refund is approved, Cotton Global will initiate the refund through the applicable payment processor.

Where possible, refunds will be processed to the original payment method.

The time required for the refunded amount to appear in the customer's account depends on the payment provider, bank, card issuer, payment method and country.

9. International Payments

Cotton Global may accept payments from customers located outside India, subject to the payment methods and countries supported by our payment provider.

International customers should note that:

• The final amount charged may depend on the payment method and currency.
• Currency conversion may be performed by the payment provider or card network.
• Exchange rates may differ from rates displayed elsewhere.
• The customer's bank may apply foreign transaction or currency conversion charges.
• Such bank or card issuer charges are generally outside Cotton Global's control.

10. Taxes and Payment Processing Charges

Where a refund is approved, the refunded amount will be determined based on the applicable transaction and legal requirements.

Taxes, payment gateway charges, foreign exchange charges, bank charges or other third-party charges may be treated according to applicable law and the relevant payment provider's rules.

11. Fraudulent or Unauthorized Transactions

If a transaction is suspected to involve fraud, misuse, stolen payment credentials, unauthorized account access or other unlawful activity, Cotton Global may suspend the relevant account while the transaction is investigated.

Refunds for fraudulent transactions will be handled in accordance with applicable law, payment-provider procedures and the outcome of the investigation.

12. Chargebacks

Before initiating a payment dispute or chargeback with your bank or card issuer, customers are encouraged to contact Cotton Global so that we can investigate and resolve the issue.

This does not limit any rights the customer may have under applicable law or the rules of their payment provider or card issuer.

13. Subscription Renewal

If your subscription is set to renew automatically, you are responsible for cancelling the renewal before the next billing date if you do not wish to continue the subscription.

14. Changes to this Policy

Cotton Global may update this Refund & Cancellation Policy from time to time. The latest version will be published on the Platform with the applicable "Last Updated" date.

15. Contact Us