Refund policy
Last updated 20 August 2026. Placeholder legal content prepared for design purposes; to be reviewed by qualified counsel before publication.
days from a new subscription to request a pro-rata refund
working days for an approved refund to reach your account
retention calls required to cancel — it is two clicks in your dashboard
The short version
If you subscribe and decide within seven days that the service is not for you, tell us and we will refund the unused portion of the period you paid for, subject to the conditions below. After seven days a subscription runs to the end of its billing period and is not refundable, but you can switch off auto-renewal at any time.
New subscriptions
A refund request made within seven calendar days of the first payment on a new subscription is eligible for a pro-rata refund of the unused period.
The pro-rata calculation deducts the days elapsed and the value of any research report or financial model downloaded during that window, since those files remain yours to keep.
Renewals
Renewal payments are not refundable once the new period has begun, because you were notified before the renewal and could have switched off auto-renewal.
If a renewal was charged after you had switched off auto-renewal, that is our error and we will refund it in full.
Upgrades and downgrades
On upgrade, the unused value of your current term is credited against the new plan rather than refunded. On downgrade, the change takes effect at the end of the current period and no refund is issued for the difference.
What is not refundable
- Commissioned research mandates once work has begun, as set out in the individual engagement letter
- Periods during which the account was suspended for breach of the terms
- Amounts already credited as referral, student or promotional credit, which are non-encashable
- Applicable taxes already remitted to the authorities, where recovery is not permitted
How to request a refund
Email support@skygrowthwealth.com from the address registered to your account, with your invoice number and a brief reason. A reason is genuinely useful to us and does not affect eligibility.
We acknowledge within one business day and decide within five. If we decline, we will tell you which condition applies and why.
How the money is returned
Approved refunds are returned to the original payment instrument. Bank processing usually takes five to seven working days after we release it, and occasionally longer for international cards. We cannot refund to a different instrument.
Failed or duplicate payments
Duplicate charges and failed transactions that were nonetheless debited are refunded in full as soon as they are identified, without a request from you. If you spot one before we do, tell us and we will prioritise it.
Disputes
If you disagree with a refund decision, escalate it through our grievance redressal process. Please raise it with us before initiating a chargeback — a chargeback typically suspends the account while it is investigated, which helps nobody.