Advisory Services Refund Policy

Fees paid towards SEBI-registered research analyst services, market research services, or advisory-related subscriptions may be eligible for cancellation and refund strictly on a pro-rata basis subject to applicable SEBI regulations, circulars, compliance policies, and the duration of services already utilized.

The refundable amount, if applicable, shall be calculated proportionately based on:

• The subscription period already utilized
• Research services already delivered
• Access is provided to premium research or advisory resources

Refund requests shall be reviewed internally and processed within a reasonable time frame after verification.

Non-Refundable Services

Fees paid towards the following services are strictly non-refundable under any circumstances:

• Educational Programs
• Trading Workshops
• Training Courses
• Webinars
• Mentorship Programs
• Recorded Sessions
• Digital Educational Content
• Institutional Trading Training Programs
• Any Educational or Skill Development Services

Once access is granted to any educational product, webinar, training material, digital course, or mentorship service, no cancellation or refund request shall be entertained.

No Guarantee of Returns or Success

Universal Financial Labs does not provide any assurance, guarantee, warranty, or commitment regarding:

• Profits or returns
• Trading success
• Financial performance
• Accuracy of market movements
• Individual learning outcomes

All research, educational content, and market-related discussions are provided solely for informational and educational purposes Participation in educational or advisory services does not guarantee any specific financial result or market performance.

Client Responsibility

Before making any payment, clients are strongly advised to:

• Review all service-related information carefully
• Read and understand the Terms & Conditions
• Review the Disclaimer, Privacy Policy, and Refund Policy
• Understand the risks associated with financial markets
• Evaluate their own financial objectives and risk tolerance

By subscribing to any service offered by Universal Financial Labs, the client acknowledges and agrees to the terms mentioned in this Refund & Cancellation Policy.

No Claim for Market Losses

There is no provision for claiming compensation, damages, or reimbursement for trading or investment losses incurred based on research reports, market commentary, educational discussions, trading ideas, or recommendations shared by Universal Financial Labs.

Market participation is subject to inherent financial risks, and clients are solely responsible for their investment and trading decisions.

Support & Compliance

For support, compliance-related matters, or refund-related queries, clients may contact the following:

Compliance Officer: Santosh Balkrishna Nikam

Support & Compliance Email:

universalfinanciallabs@gmail.com

Website:

www.universalfinanciallabs.com

Regulatory Information

Entity Name: Universal Financial Labs

Brands: UFL Capital Markets | UFL Institute of Capital Markets

SEBI Research Analyst Registration No.: INH000026761