Legal

Refund Policy

Last updated: August 30, 2026

Effective Date: March 25, 2026. Last updated: August 30, 2026 (AI-credit deduction capped at $5; Founder licence consequence; EU withdrawal note).

WealthMutant offers a straightforward two-tier refund policy designed to be fair to customers while accounting for our operational costs.

Two-Tier Refund Policy

Tier 1 — Direct Purchasers (No Prior Trial)

Eligible for refund: Yes — 7-day window

If you purchased WealthMutant without using a free trial first, you are eligible for a full refund within 7 days of your purchase date.

  • The 7-day window begins from the Razorpay payment timestamp
  • Refunds are issued to the original payment method
  • AI credits consumed during the refund window are deducted from your refund at cost, up to a maximum of $5 (the credits included with every licence). You will never receive less than the price minus $5. The exact amount is on your receipt.
  • Founder licence: a refund releases the Founder slot. The licence number is retired (never reissued) and the account, if it stays open, holds a Standard licence from then on.
  • EU / UK buyers: you have a statutory 14-day right of withdrawal for digital content, which you waive at checkout by asking us to start delivery immediately (the checkbox before payment). Our 7-day refund window above applies regardless of that waiver.
  • All other features used during the window do not reduce your refund amount

Tier 2 — Trial Users Who Upgraded

Eligible for refund: No

If you signed up for the 7-day free trial and subsequently upgraded to lifetime access, you are not eligible for a refund. The free trial exists specifically as your evaluation period — the opportunity to try everything before paying. By upgrading after trialing the product, you have confirmed it meets your needs.

This policy is disclosed:

  • On the registration page (trial confirmation screen)
  • At the point of upgrade (payment confirmation)
  • In these Terms

How to Request a Refund

To request a refund (Tier 1 only):

  1. Email support@wealthmutant.com with the subject line: "Refund Request — [Your Email]"
  2. Include your Razorpay Payment ID (found in your purchase confirmation email)
  3. Briefly describe your reason (optional — helps us improve)

We will process all eligible refund requests within 2 business days of receipt.

Processing Time

  • Refunds are initiated via Razorpay within 2 business days of approval
  • Credit card refunds: typically 5–10 business days to appear on your statement (dependent on your bank)
  • UPI refunds: typically 3–5 business days
  • Net banking refunds: typically 5–7 business days
  • Wallet refunds: typically 1–3 business days

Processing times are determined by Razorpay and your bank — we have no control over them once the refund is initiated.

Partial Refunds

Partial refunds apply only in one scenario: when a Tier 1 customer has consumed AI credits before requesting a refund. In this case, the cost of consumed AI credits, at most $5, is deducted from the refund. The remainder is refunded in full.

All other refunds for eligible customers are full refunds — no partial refunds for app usage, time elapsed within the window, or features accessed.

Chargebacks and Disputes

We take fraudulent chargebacks seriously. All WealthMutant purchases are protected by:

  • 3D Secure / OTP authentication — every transaction requires OTP or biometric confirmation
  • Usage logs — timestamped records of app activity tied to the account
  • Terms of Service acceptance — recorded at registration and at the trial-skip confirmation gate
  • Trial acknowledgment gate — users who skip the trial are shown an explicit confirmation screen before checkout that discloses the no-refund policy for trial users

All chargeback disputes will be contested with the above evidence. Customers who initiate fraudulent chargebacks will have their accounts permanently terminated.

If you have a legitimate billing concern, please contact us at support@wealthmutant.com before initiating a chargeback — we will resolve genuine issues promptly.

Contact

For refund requests or billing questions:

  • Email: support@wealthmutant.com
  • Subject line: Refund Request — [Your Email]
  • Response time: Within 24 hours on business days