Cancellation & Refund Policy

1. Digital Products Nature

CMASetu provides digital financial compilation services (PDF generation of CMA Reports, Balance Sheets, etc.). Due to the immediate delivery and digital nature of our products, all sales are considered final once the report has been successfully generated and accessed by the user.

2. Refund Eligibility

Refunds are only granted under the following exceptional circumstances:

• Technical Failure: If a payment was successfully deducted from your account, but the system failed to generate or deliver the PDF report due to a server error on our end.
• Duplicate Payment: If you were charged multiple times for the same transaction due to a payment gateway glitch.

3. Non-Refundable Scenarios

We do not issue refunds for the following:

• Incorrect financial data entered by the user resulting in an undesired report. (Users are advised to review inputs before payment).
• Rejection of a loan application by a bank or financial institution, as we only provide the mathematical compilation of the data provided to us.
• Change of mind after the report has been successfully downloaded.

4. Subscription Cancellations (For Professionals)

If you are on a monthly or yearly "Professional Pro" subscription, you may cancel your subscription at any time from your account dashboard. Cancellation will prevent future billing, but we do not provide pro-rated refunds for the remainder of the current billing cycle. You will continue to have access to the platform until the current cycle ends.

5. How to Request a Refund

If you believe you are eligible for a refund based on the criteria above, please email us at billing@cmasetu.com within 7 days of the transaction. Include your transaction ID, registered email, and proof of the technical failure or duplicate charge. Approved refunds will be credited back to the original payment method within 5-7 business days.