Policy

Refund & Cancellation Policy

Last updated: 24 July 2026

Stocktale (operated by Sagar U.S.) sells access to digital educational content — Arthashastra, Ranbhoomi, and Patha-Shala live sessions, delivered under the Stocktale membership (3, 6 or 12 months). This policy explains how refunds and cancellations work.

1. No refunds once access is granted

Because membership unlocks digital content immediately upon payment confirmation — content that cannot be "returned" once viewed — all membership payments are final and non-refundable once your account has been upgraded and Arthashastra / Ranbhoomi / Patha-Shala access has been activated.

This applies regardless of how much of the content you have actually read, watched, or attended.

2. Exceptions — when a refund IS considered

We will refund a payment, in full, if:

Duplicate payment — you were accidentally charged twice for the same plan.
Payment succeeded but access was never granted — money was deducted, Razorpay confirms the payment, but your account was never upgraded within 24 hours due to a technical or human error on our side.
Unauthorized payment — you can show the payment was made without your knowledge or consent (e.g. your payment method was used fraudulently).

These are the only situations where a refund applies. Change of mind, "I don't have time to read it," or dissatisfaction with the educational content itself are not grounds for a refund — please use the free Arthashastra, Ranbhoomi and Gyana editions to evaluate the content and teaching style before upgrading.

3. How to request a refund

Message Sagar directly on WhatsApp at +91 97311 99114 with your payment screenshot and the reason. Genuine cases under Section 2 are resolved within 5–7 business days, refunded to the original payment method via Razorpay.

4. Cancellation

Membership is a fixed-term plan (3, 6 or 12 months), not a recurring subscription — there is nothing to "cancel" mid-term, and no auto-renewal charge will ever occur without your explicit action to renew. Simply let access lapse at the end of your term if you don't wish to continue.

Questions

For anything not covered here, message Sagar directly on WhatsApp — every refund request is reviewed personally, not by a bot or a ticket queue.