Clartha - Refund and Cancellation Policy
Last Updated: July 17, 2026
This Refund and Cancellation Policy explains how subscriptions, credits, trials, cancellations, and refunds work on Clartha, an AI investment research and portfolio intelligence platform operated by Smartneev Innovations Private Limited, operating as "Clartha" ("we", "us", or "our").
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support@clartha.comIt forms part of, and should be read together with, our Terms and Conditions and Privacy Policy. By purchasing a paid plan, credit pack, or starting a paid trial, you agree to this Policy along with the plan terms shown to you at checkout.
Subscription plans
Recurring plans, currently Pro and Edge, billed monthly or yearly. A free Basic plan is also available at no cost.
Add-on credit packs
One-time purchases of research credits, such as Starter, Research, and Power packs, that are added to your balance and do not expire.
Free trials
Where offered, a time-limited trial of a paid plan that converts into a paid subscription unless cancelled before the trial ends.
All prices are shown in Indian Rupees (₹) and are inclusive or exclusive of applicable taxes as indicated at checkout. Payments and subscriptions are processed and managed by our third-party providers, Razorpay for payments and Chargebee for subscription billing. Their terms may also apply to your transaction.
Free plan and trial
The Basic plan is free and lets you try core research features at no cost.
Where a free trial is offered, you are not charged during the trial period. Your saved payment method is charged automatically only when the trial ends, at the plan's then-current price, unless you cancel before the trial ends.
To avoid being charged, cancel before your trial ends from Billing → Manage plan or Billing → Cancel.
Because a free plan and free trial are available, paid subscription fees are generally non-refundable except as set out in this Policy or as required by applicable law.
Cancellation
You can cancel a paid subscription at any time. There is no cancellation fee and no minimum lock-in beyond the term you have already paid for.
Cancellation takes effect at the end of your current billing term. You keep full paid access until then, and your plan then moves to the free Basic plan.
Cancelling does not automatically trigger a refund for the current term. You retain access for the period you have paid for instead of receiving a prorated refund.
If you change your mind before the term ends, you can Resume your subscription so it continues without interruption.
Monthly credits are tied to your billing cycle and do not carry over after cancellation. Add-on credits you have already purchased remain available and do not expire.
Subscription renewals, upgrades, and downgrades
Subscriptions renew automatically at the end of each billing cycle, monthly or yearly, using your saved payment method until cancelled.
The renewal price is the plan's price in effect at the time of renewal. We will notify you in advance of any price change that affects your renewal.
It is your responsibility to cancel before a renewal date if you do not wish to be charged for the next cycle.
Upgrades take effect immediately, and billing is adjusted proportionally for the remainder of your current cycle.
Downgrades to a lower paid plan or to Basic are scheduled for the end of your current billing term. Downgrades do not generate a refund for the current term.
Refunds
Subscription fees and add-on credit purchases are non-refundable, including for partially used billing periods, unused credits, or periods of non-use. This reflects the fact that Clartha is a digital service delivered immediately, and that a free plan and free trial let you evaluate it before paying.
Add-on credit packs are consumable digital goods and are non-refundable once purchased, except in the case of a duplicate charge, a billing error, or credits that were not delivered to your balance. Credits that have already been used cannot be refunded.
No charge is made during a free trial, so no refund arises for the trial itself. If you were charged because you did not cancel before the trial ended, you can request a review.
Situations where we will issue a refund
Duplicate or accidental charges: you were charged more than once for the same subscription or purchase.
Billing errors: you were charged an incorrect amount, or charged after a valid and timely cancellation.
Failed access: a confirmed technical fault on our side prevented you from accessing the paid features for a material part of your billing period, and we were unable to resolve it within a reasonable time after you reported it.
Unauthorized transactions: a charge you can demonstrate was not authorized by you, subject to verification.
How to request a refund
To request a refund or raise a billing issue, email support@clartha.com from your registered email address within 7 days of the charge, including:
- Your account email
- The transaction date and amount
- The reason for the request and any relevant details, such as screenshots
We aim to acknowledge requests within 2 business days and to resolve them within 7 business days. We may ask for additional information to verify the transaction and prevent fraud.
How refunds are processed
Approved refunds are issued to your original payment method through Razorpay.
Refunds typically appear within 5 to 7 days of approval, though the exact timing depends on your bank or card issuer.
Refunds are made in the original currency of the transaction. We are not responsible for exchange-rate differences or bank fees applied by your provider.
Where a refund is approved, we may revoke the corresponding subscription access or credits associated with the refunded amount.
Chargebacks, policy changes, and contact
If you believe a charge is incorrect, please contact us first at support@clartha.com. We can usually resolve issues faster than a bank dispute. Initiating a chargeback without contacting us may result in suspension of your account pending resolution.
We may update this Policy as our plans, providers, or legal obligations change. The "Last Updated" date above reflects the current version. Continued use of paid features after an update means you accept the revised Policy. Requests are handled under the version of this Policy in effect at the time of your transaction.
This Policy is issued by Smartneev Innovations Private Limited, operating as Clartha, and is governed by the laws of India, consistent with our Terms and Conditions.