Refund & Cancellation Policy

This Refund & Cancellation Policy applies to all paid subscriptions of the OsherVest platform operated by Desa Solutions India Pvt Ltd. By subscribing to a paid plan, you agree to this Policy.

1. Subscription Cancellation

1.1 How to Cancel

You may cancel your OsherVest subscription at any time by:

• Going to Account Settings → Subscription → Cancel Plan within the platform dashboard, or
• Emailing support@oshervest.com with the subject line "Cancel Subscription" from your registered email address.

1.2 When Cancellation Takes Effect

Cancellations are effective at the end of the current billing period. You will continue to have full access to all paid features until the period ends. After that, your account will revert to the free Starter plan.

Example: If you cancel on the 10th of the month and your billing cycle ends on the 25th, you will have access until the 25th.

1.3 Auto-Renewal

Subscriptions are set to auto-renew by default. If you do not wish to renew, you must cancel at least 24 hours before your next billing date to avoid being charged for the next period.

2. Refund Eligibility

2.1 Platform Subscription Fees

OsherVest offers a 7-day refund window for first-time subscribers on the Growth plan. If you are not satisfied within the first 7 days of your first paid subscription, you may request a full refund by emailing support@oshervest.com.

The following are NOT eligible for a refund:

• Refund requests received after 7 days of the first subscription date
• Renewal charges (i.e., second or subsequent billing cycles)
• Accounts suspended or terminated for Terms of Service violations
• Partial-month usage — we do not issue prorated refunds for unused days
• Annual plan subscriptions after 7 days from the purchase date

2.2 Wallet / WhatsApp Conversation Credits

WhatsApp conversation credits are charged and governed by Meta Platforms, Inc. These charges are passed directly to you at Meta's rate with no markup. OsherVest cannot issue refunds for Meta conversation charges as they are outside our control and governed by Meta's own billing and refund policies.

For Meta-related billing disputes, please contact Meta directly via your WhatsApp Business Manager account.

2.3 Enterprise Plans

Enterprise plan refunds are handled on a case-by-case basis as described in your individual service agreement. Please contact your account manager.

3. How to Request a Refund

To request a refund within the eligible window, please:

1. Email support@oshervest.com with the subject line "Refund Request"
2. Include your registered email address and your reason for requesting a refund
3. Our team will respond within 2 business days to verify eligibility

If the refund is approved, the amount will be credited back to your original payment method within 5–10 business days, depending on your bank or card issuer.

4. Platform Downtime / Service Issues

In the unlikely event of a significant platform outage (more than 24 cumulative hours in a billing period) directly attributable to our infrastructure failure, we will credit affected accounts with an equivalent number of days of free service. We do not offer monetary refunds for downtime unless specified in an Enterprise SLA agreement.

5. Taxes

All subscription fees shown are exclusive of GST (18%). GST paid on subscription fees is non-refundable as it is remitted to the Government of India.

6. Changes to This Policy

We may update this policy from time to time. We will notify active subscribers of material changes by email at least 14 days before the change takes effect.

7. Contact

For questions about this policy, please contact:

• Email: support@oshervest.com
• Company: Desa Solutions India Pvt Ltd, Sector-74, Noida, Uttar Pradesh, India
• Response Time: Within 2 business days