Payment policy

1. What this covers

How money is taken for a Stockhub subscription, what each charge is for, and what happens when one fails. The terms and conditions and the user agreement cover everything else. This page does not state the prices themselves: a price in two places disagrees with itself the first time one of them changes, and the amount you are charged is shown to you before you pay.

2. The free trial

A new account starts with a free trial. It asks for no card and no mandate, and nothing is charged when it ends — there is no payment instrument on the account to charge. When it ends, the product stops opening and you are asked to choose a plan. If you do nothing, nothing happens.

One trial per account, ever. The length is shown on the pricing page and in the application.

3. Buying a plan: the first bill, then auto-pay

Subscribing is two steps, in this order:

• You pay the first bill as a single payment. The plan opens when that payment is captured.
• You then register auto-pay — an e-mandate with your bank or card issuer, for the plan’s amount, which is what renews the subscription.

The first bill, what each later one will be, and the ceiling your bank is asked to approve are all shown before you pay. A mandate authorises a recurring debit up to that ceiling; it is not a charge in itself.

If you buy a plan while a trial is still running, you keep the days you have left: the first paid period starts when the trial would have ended, so you are not charged for the same days twice.

4. Renewals

Each period is debited on its own date under the mandate you approved. A monthly plan renews every month and an annual plan every year, from the date the period started.

Auto-pay is required from the first day. A paid month with no mandate behind it does not continue indefinitely: access ends at the end of the period you paid for, plus the short grace period below, and you are asked to set auto-pay up or pay the next bill by hand.

5. A failed debit, and the grace period

A debit that fails does not close the product immediately. The subscription is marked as having a failed payment and stays open through a short grace period, during which you can pay by hand or fix the payment instrument. After the grace period, access is refused until a payment succeeds.

We may retry a failed debit. We do not retry a payment the gateway refused on its own terms — that will get the same answer — and we never take two payments for one period: a period with a payment already in flight is not debited again.

6. Cancelling, pausing or removing the mandate

Cancelling your subscription from the application keeps what you have paid for. The plan stays open to the end of the period you have already paid, and it is not renewed. This is the way to stop paying.

Removing or pausing the mandate at your bank is different, and it closes the product at once. Without a live mandate we cannot take the next payment, so the subscription stops from that moment whatever is left of the paid period, and the days between are not given back. If you want to keep what you have paid for, cancel in the application rather than withdrawing the mandate at your bank.

Registering a new mandate brings a subscription back: with paid days still left, access returns as soon as the approval is confirmed and the next debit stays on its original date; with the period over, access returns when the first debit under the new mandate is captured.

7. Changing plan

You may move to a more expensive plan on the same billing interval, online, at any time. You pay the difference in price for the days left in the current period, a new mandate is approved for the new amount, and your renewal date does not move.

Moving to a cheaper plan, or to a different billing interval, is not something the application does. Write to us and we will tell you what we can do; in most cases the answer is to let the current period run out and then subscribe to the plan you want.

8. Refunds

A subscription pays for access over a period, and cancelling keeps that access to the end of the period rather than refunding it (section 6).

Where a payment has bought nothing, it is not kept and not lost. A second payment for a period already paid, a payment of the wrong amount, and a payment for an upgrade that had already been replaced are each held for review and then either applied to your account or refunded. We decide those case by case rather than automatically, and you can ask us about any charge on your account.

A refund is paid back to the instrument it came from, through the same payment gateway, and raises a credit note against the original invoice. We cannot refund to a different card or account than the one that paid.

9. Taxes and invoices

Prices shown to you include taxes. Every successful payment raises a tax invoice, numbered in an unbroken series for the Indian financial year, which you can read and download from the billing page in the application. An invoice is final once issued: a correction is a credit note in its own series, never an edit.

Each charge also records what the payment gateway kept — its fee, the platform fee, the mandate charge and the GST on them. Where a gateway reports only a total, the total is theirs and the split shown is computed from our own rate card, and the page says so.

10. Who handles your card

Payments are taken through a payment gateway. Your card number, your UPI credentials and your bank login are entered on the gateway’s own pages and are never sent to or stored by Stockhub. What we keep is the gateway’s own reference for the payment and the mandate, what was charged and when, and the billing details you gave us.

11. Access granted without a payment

We may open the product for an account without taking money — for a trial extension, a pilot, or an apology. Such access always has an end date and nothing is ever debited for it. When it ends, the product stops opening and you are asked to choose a plan, exactly as at the end of a trial.

12. What you are paying for

A subscription pays for access to the research and the analytics. It does not pay for an outcome. Stockhub is not a SEBI-registered Investment Adviser. Investments in securities markets are subject to market risks. Read all the related documents carefully before investing. Any real trading you do is at your own broker, who charges their own brokerage, statutory levies and taxes; Stockhub models those costs and does not collect them.

13. Changes to this policy, and to prices

We may change this policy; this page carries a new version number and date when we do. We may change prices, and a price change never applies to a period you have already paid for. Where a change means a larger debit than your mandate allows, that mandate cannot be used for it and you will be asked to approve a new one.

14. Questions about a charge

Write to us with the invoice number or the payment reference and we will tell you what the charge was for.

admin@billixindia.com