Refund and Cancellation Policy

01 Membership Subscription plans

WTF Circle membership is offered on the following plans:

• Monthly Membership — INR 999 — billed every 1 month.
• Annual Membership — INR 9,999 — billed every 12 months.

All fees are stated in Indian Rupees and are inclusive of applicable Goods and Services Tax (GST). The total amount payable is displayed to you at checkout before you confirm the transaction.

Payments are processed through Razorpay Software Private Limited (“Razorpay”), our third-party payment aggregator. We do not store your full card, bank, or UPI credentials on our systems.

02 The core rule

Your right to a refund depends on a single test: whether you have availed any Service under the Membership Subscription you paid for.

• If you have not availed any Service during the current Subscription Term, you are entitled to a 100% refund of the fee paid for that Term.
• If you have availed any Service during the current Subscription Term, no refund is available for that Term, in whole or in part.

This test is applied separately to each Subscription Term. If your membership renews and you avail no Service during the renewed Term, you are entitled to a full refund of that renewal payment, regardless of how you used the Platform in any earlier Term.

03 What counts as “availing a Service”

You are treated as having availed a Service the moment you take any of the following actions (“Qualifying Actions”), whichever occurs first:

• (1) Generating, redeeming, or requesting a Digital Signature for any Premium Perk or partner offer, including any Flash Perk.
• (2) Registering for, being confirmed for, or attending any Event, including a Speaker Series session, Masterclass, Private Dinner, Roundtable, or Retreat.
• (3) Being placed into, or accepting placement in, a Core Group.
• (4) Being admitted to, or joining, any WTF WhatsApp Community at any tier.
• (5) Placing a Commit, pledge, or expression of interest on any Collective Orderbook listing.
• (6) Sending, receiving, or accepting a Bridge connection request, or issuing or scanning a Digital Name Card.
• (7) Initiating any session or interaction with the WTF Bot.
• (8) Publishing a Thesis, or posting any Inline Analysis, on the Exchange.
• (9) Submitting any request to the Digital Concierge.
• (10) Accessing any member-only content in the Early Access Vault or equivalent gated archive.

What does NOT count as availing a Service

For clarity, the following do not exhaust your refund right:

• Creating an account, logging in, or completing identity or professional verification (KYC).
• Completing your Builder Profile, setting Intents, or selecting interests.
• Browsing the Platform, viewing shielded or blurred Perk listings, or reading the Exchange without posting.
• Viewing an Event listing or a Collective Orderbook listing without registering or committing.

04 How to request a refund

• (1) Email admin@allthingswtf.club from the email address registered on your WTF Circle account.
• (2) Use the subject line: “Refund Request — [Your Registered Mobile Number]”.
• (3) Include your registered name, the plan purchased, the date of payment, and the Razorpay Payment ID or Order ID from your payment confirmation.

We will acknowledge your request within 48 hours of receipt.

We will verify your account activity against the Qualifying Actions listed in Section 3 and confirm whether your request is approved or declined, with reasons, within 3 working days of acknowledgement.

05 Refund timeline and method

Where a refund is approved:

• We will initiate the refund within 7 (seven) working days of approving your request.
• The refund will be for 100% of the amount paid for the relevant Subscription Term, with no deduction for payment gateway charges, processing fees, or taxes.
• The refund will be credited to the original payment method used for the transaction, in line with Razorpay’s source-refund requirement. We cannot redirect a refund to a different card, account, or instrument.
• Once we initiate the refund, credit to your account depends on your bank, card issuer, or UPI provider and typically takes a further 5 to 10 working days. This period is outside our control.

“Working day” means a day other than a Saturday, Sunday, or a public holiday in Mumbai, Maharashtra.

06 Cancelling your membership

You may cancel your Membership Subscription at any time from your account settings, or by emailing admin@allthingswtf.club.

• Cancellation stops all future billing from the next renewal date onward.
• Cancellation is not by itself a refund request. If you want a refund for the current Term, you must also submit a request under Section 4.
• If you cancel and no refund is due (because you have availed a Service), your membership and all associated access remain active until the end of the Term you have already paid for. It will not renew after that.
• We do not offer pro-rata or partial refunds for the unused portion of a Term once a Service has been availed.

07 Automatic renewal

Membership Subscriptions renew automatically at the end of each Term at the then-current price for your plan, unless cancelled beforehand.

• Your payment instrument is debited under an e-mandate you authorise at the time of purchase, in accordance with the Reserve Bank of India’s Digital Payments – E-mandate Framework, 2026.
• Your card issuer or bank will send you a pre-debit notification at least 24 hours before each renewal charge, with an option to opt out of that specific debit.
• We will additionally send you an email reminder before each renewal.
• You may withdraw or modify the e-mandate at any time through your bank or card issuer, or by cancelling from your account settings.

08 Failed, duplicate, and erroneous payments

• If you are charged more than once for the same Subscription Term, the duplicate charge will be refunded in full. This is not affected by the Qualifying Actions test.
• If a payment is debited from your account but your membership is not activated, contact us at admin@allthingswtf.club with the Razorpay Payment ID. We will either activate your membership or refund the amount in full within 7 working days of confirming the failure.
• Where a payment is deducted but the transaction fails at the gateway, the amount is typically auto-reversed by your bank within 5 to 7 working days without any action by us.

09 Situations where no refund is payable

No refund is payable where:

• You have taken any Qualifying Action under Section 3 during the relevant Subscription Term.
• Your membership is suspended or terminated by us for breach of our Terms of Service, community conduct rules, or the three-strike Event attendance policy.
• You are removed from a Core Group, Community, or the Platform for conduct reasons.
• You are dissatisfied with the substance of member-generated content, the composition of a Core Group, the availability of specific Perks, or the outcome of a Bridge connection, having already availed those Services.
• The request relates to a Subscription Term that has already ended.

10 Amounts that are not covered by this Policy

This Policy governs Membership Subscription fees only. The following are separate transactions with their own terms, and are not refundable under this Policy:

• Collective Orderbook Commitment Fees. The 5% commitment fee is expressly forfeited if you withdraw from a batch after committing, as set out in our Terms of Service.
• Paid Event tickets, Retreat fees, and Roundtable fees, which are governed by the cancellation terms stated on the individual event listing.
• Payments made directly to partner brands for goods or services accessed through Premium Perks. Those transactions are between you and the partner, and any refund is governed by that partner’s own policy.

11 If we end your membership or the service

If we suspend or terminate your membership for any reason other than your breach of our Terms of Service, or if we permanently discontinue the Platform, we will refund the fee paid for the unexpired portion of your current Subscription Term on a pro-rata basis, calculated from the date access ends.

12 Chargebacks

If you believe a charge is incorrect, please contact us first at admin@allthingswtf.club. Most issues are resolved faster directly than through a bank dispute.

Where you raise a chargeback with your bank or card issuer for a charge that is validly payable under this Policy, we reserve the right to contest the chargeback with supporting evidence of your Qualifying Actions, and to suspend your membership pending resolution.

13 Grievance redressal

If you are not satisfied with the handling of a refund or cancellation request, you may escalate to our Grievance Officer.

Grievance Officer
WTF GLOBAL PRIVATE LIMITED
Email: admin@allthingswtf.club

In accordance with the Consumer Protection (E-Commerce) Rules, 2020, we will acknowledge your complaint within 48 hours and endeavour to resolve it within one month of receipt.

14 Changes to this Policy

We may update this Policy from time to time. Material changes will be notified to you in-app or by email at least 30 days before they take effect. The version of this Policy in force on the date you make a payment governs that payment.

15 Governing law

This Policy is governed by the laws of India. Subject to the arbitration provisions in our Terms of Service, the courts at Mumbai shall have exclusive jurisdiction.

16 Contact

WTF GLOBAL PRIVATE LIMITED
Email: admin@allthingswtf.club