Refund and Cancellation Policy

01 Membership Subscription plans

1.1 WTF Circle membership is offered on the following plans:

• (a) Quarterly Membership — INR 9000/- billed every 3 months.
• (b) Half Yearly Membership — INR 16,000/- billed every 6 months.

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

1.3 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

2.1 Your right to a refund depends on a single test, whether you have Availed a Service under the Membership Subscription you paid for.

• (a) If you have not interacted with our Platform in any manner whatsoever, you are entitled to refund of the Subscription Fees to the extent paid for that Term.
• (b) Where you have Availed a Service offered on the Platform during the then-current Subscription Term, and such Service is subsequently cancelled for any reason — whether by us, by a third-party provider of the Service, or due to circumstances beyond either party’s reasonable control — or such Service is not available or accessible to you (for any technical reasons) only then, corresponding number of Coins so utilized, shall be credited back to your Wallet.

For the avoidance of doubt: (i) no refund of Coins shall be made in respect of any Service that has been availed of and duly rendered without cancellation; (ii) this clause shall apply only to cancellations occurring within the Subscription Term during which the relevant Coins were utilized; (iii) any Coins so credited back to the Wallet shall remain subject to these Terms, including as to their use, expiration, and non-transferability; and (iv) the core rule as provided in Section 2.1(b) is not applicable to the Membership Subscription fees.

• (c) If you have Availed a Service during the current Subscription Term, no refund of the Subscription Fees is available for that Term, in whole or in part.

2.2 This test is applied separately to each Subscription Term.

03 What counts as “availing a Service”

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

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

04 What does NOT count as availing a Service

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

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

05 How to request a refund

• (a) Email support@allthingswtf.club from the email address registered on your WTF Circle account.
• (b) Use the subject line: “Refund Request — [Your Registered Mobile Number]”.
• (c) 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 7 working days of acknowledgement.

06 Refund timeline and method

6.1 The refund under the Terms is subject to our final approval. In the event where a refund is approved by us:

• (a) For refund under Section 2.1(a): The refund will be for the actual amount paid for the relevant Subscription Term, with no deduction for payment gateway charges, processing fees, or taxes if you have not Availed a Service. 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 this period is outside our control.
• (b) For refund under Section 2.1 (b): The refund shall be strictly limited to the number of Coins debited from your Wallet in respect of that particular cancelled service (or event) and shall not extend to Coins debited for any other Platform Offerings, or transaction, whether availed of during the same Subscription Term or otherwise.

07 Cancelling your membership

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

• (a) Cancellation stops all future billing from the next renewal date onward.
• (b) 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.
• (c) 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.
• (d) We do not offer pro-rata or partial refunds for the unused portion of a Term once a Service has been availed.

08 Automatic renewal

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

• (a) 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.
• (b) 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.
• (c) We will additionally send you an email reminder before each renewal.
• (d) You may withdraw or modify the e-mandate at any time through your bank or card issuer, or by cancelling from your account settings.

09 Failed, duplicate, and erroneous payments

• (a) 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.
• (b) If a payment is debited from your account but your membership is not activated, contact us at support@allthingswtf.club with the Razorpay Payment ID. We will either activate your membership or approve the refund of the paid amount within 14 working days of confirming the failure.
• (c) Where a payment is deducted but the transaction fails at the gateway, the amount is typically auto reversed by your bank.

10 Situations where no refund is payable

10.1 No refund is payable where:

• (a) You have taken any Qualifying Action under Section 3 during the relevant Subscription Term.
• (b) 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.
• (c) You are removed from a Core Group, Community, or the Platform for conduct reasons.
• (d) 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.
• (e) The request relates to a Subscription Term that has already ended.

11 If we end your membership or the service

11.1 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

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

12.2 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

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

Grievance Officer: Deepa Bhat

Email: support@allthingswtf.club

Postal Address: Plot No 65 A, 4th Floor and

5th Floor Ramee Emerald II, New Link Road CTS-G/571, Santacruz West, Mumbai 400054

14 Changes to this Policy

14.1 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

15.1 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

Contact Person: Deepa Bhat

Email: support@allthingswtf.club

Postal Address: Plot No 65 A, 4th Floor and

5th Floor Ramee Emerald II, New Link Road CTS-G/571, Santacruz West, Mumbai 400054