Effective Date: July 28, 2026 Last Updated: July 28, 2026
1. Introduction
This Refund & Cancellation Policy explains the terms governing cancellations, refunds, and payments for products and services offered through BenchIndex (“BenchIndex”, “we”, “our”, or “us”).
By purchasing or using any paid product or service available on www.benchindex.in (“Website”), you acknowledge that you have read, understood, and agreed to this Refund & Cancellation Policy.
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2. Digital Products
Digital products, including but not limited to research reports, educational materials, downloadable resources, e-books, templates, recorded videos, subscriptions, or other digital content, are generally non-refundable once access has been granted, the product has been downloaded, or delivery has been completed.
Once a digital product has been accessed, downloaded, or delivered, it shall be deemed accepted by the customer and shall generally not be eligible for cancellation or refund.
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3. Consultation & Professional Services
Where BenchIndex provides consultations, research analyst services (where applicable), financial guidance, mutual fund distribution support, loan assistance and referral services through authorised banks, NBFCs, or financial institution partners (where applicable), or other professional services:
– Cancellation requests should be submitted before the scheduled service begins. – Refund eligibility shall be determined by BenchIndex after reviewing the specific circumstances of each request and in accordance with this Policy. – Once a consultation or professional service has been fully delivered or substantially completed, no refund will ordinarily be provided.
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4. Cancellation by BenchIndex
BenchIndex reserves the right to cancel, postpone, or reschedule any product or service due to technical, operational, legal, regulatory, or unforeseen circumstances.
Where appropriate, BenchIndex may:
– Reschedule the service; or – Provide a full or partial refund at its sole discretion.
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5. Duplicate or Incorrect Payments
If a customer is charged more than once for the same transaction due to a technical or payment processing error, the duplicate amount will be reviewed and, where verified, refunded through the original payment method.
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6. Refund Processing
Approved refunds will normally be processed within 7–15 business days through the original payment method.
Actual processing time may vary depending on the payment gateway, bank, financial institution, or payment service provider.
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7. Non-Refundable Situations
Refunds will generally not be provided in the following circumstances:
– Change of mind after purchase. – Failure to read the product or service description before purchase. – Failure to use or access a purchased product or service. – Services already rendered or substantially completed. – Investment losses or financial decisions made by the customer. – Loan approval or rejection by any bank, NBFC, or financial institution. – Market fluctuations or changes in financial conditions.
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8. Right to Refuse Refund
BenchIndex reserves the right to refuse any refund request where misuse, abuse, fraudulent activity, chargeback abuse, false claims, or violation of our Terms & Conditions is identified.
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9. Payment Terms
All payments made through the Website are subject to successful payment authorisation and verification.
BenchIndex reserves the right to refuse, suspend, or cancel any order, payment, or transaction suspected to involve fraud, unauthorised activity, payment disputes, or violation of applicable laws or these Terms.
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10. Changes to this Policy
BenchIndex reserves the right to modify, amend, or update this Refund & Cancellation Policy at any time without prior notice.
Any changes shall become effective immediately upon publication on this Website.
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11. Contact Us
If you have any questions regarding this Refund & Cancellation Policy, please contact us through the official Contact Us page available on www.benchindex.in.
