Cancellation & Refunds Policy

Last Updated: January 2025

Effective Date: January 2025

1. About Donations

Capital Friends is a completely free and open-source project. There are:

• ❌ No subscription fees
• ❌ No paid premium features
• ❌ No charges of any kind
• ❌ No trial periods that require cancellation

The only payments accepted are optional voluntary donations to help maintain the website required for Google verification.

2. Donation Policy

If you choose to make a donation:

• Voluntary: All donations are 100% voluntary and optional
• One-Time: Donations are one-time payments, not recurring subscriptions
• No Benefits: Donations do NOT unlock any premium features (there are none)
• No Obligations: You can use Capital Friends fully without ever donating

3. No Cancellation Needed

Since there are no subscriptions or recurring charges:

• There is nothing to cancel
• No need to contact us to stop payments
• You will never be charged automatically

If you previously donated: It was a one-time payment. You will not be charged again.

4. Refund Policy

All donations are non-refundable.

Here's why:

• Donations are voluntary contributions, not purchases
• They do not entitle you to any products or services
• Funds go toward minimal website maintenance costs
• Processing refunds would consume the donation amount in transaction fees

4.1 Exception: Payment Errors

If you were charged by mistake (e.g., double charge, wrong amount), please contact us immediately:

• Email: jagadeeshi.k.manne@gmail.com
• Subject: "Donation Payment Error"
• Include: Transaction ID, date, amount, payment method

We will investigate genuine payment errors and issue refunds where appropriate.

4.2 Disputed Charges

If you believe a charge is unauthorized:

1. Contact us first at jagadeeshi.k.manne@gmail.com
2. Provide transaction details
3. We will work with you to resolve the issue

Please contact us BEFORE disputing with your bank or payment provider. Chargebacks without prior contact may result in being blocked from making future donations.

5. What Donations Support

Your donations help with:

• Website hosting costs (capitalfriends.in domain)
• Google Apps Script verification requirements
• Maintaining master databases (mutual fund NAV updates)

Transparency: Costs are minimal (₹500-1000/year for domain + GitHub Pages hosting is free).

6. Tax Receipts

We do NOT provide tax receipts for donations.

Capital Friends is an individual open-source project, not a registered non-profit or charity. Donations are not tax-deductible.

7. Contact for Questions

For questions about donations, refunds, or payment issues, email jagadeeshi.k.manne@gmail.com with "Donation Query" in the subject line.

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Summary