Refund & Cancellation Policy

1 NATURE OF THE PURCHASE

OGStartups is a gamified stock-market simulation and startup discovery platform.

The Platform may provide users with virtual Coins or other digital units that may be used for specific Platform features. Coins are virtual, non-monetary digital units intended solely for use within the Platform.

Coins are not:

• real money;
• legal tender;
• bank deposits;
• investment capital;
• securities;
• shares;
• equity;
• cryptocurrency;
• financial instruments;
• a deposit held by OGStartups;
• a promise of financial return;
• redeemable cash, unless expressly required by applicable law or expressly stated by OGStartups.

Purchasing Coins does not constitute an investment in OGStartups or in any startup listed on the Platform.

2 COIN PURCHASES ARE OPTIONAL

Purchasing Coins is optional. Users are not required to purchase Coins merely to participate in the Platform's simulated market.

Where the Platform provides free Coins, promotional Coins, Welcome Coins, rewards, achievements, or other methods of earning Coins, users may use those mechanisms according to the applicable Platform rules. A user may be able to continue participating without purchasing additional Coins.

Purchasing Coins does not guarantee: winning, ranking higher, making simulated profits, receiving additional rewards, discovering a particular startup, or obtaining any real-world financial benefit.

3 GENERAL NO-REFUND POLICY

3.1 All Purchases Are Generally Final

Because Coins and other digital features are delivered electronically and may become available for immediate use after purchase, all purchases are generally final and non-refundable once the transaction has been successfully completed.

To the maximum extent permitted by applicable law, users cannot request a refund merely because:

• they changed their mind;
• they no longer want the Coins;
• they purchased more Coins than they intended;
• they did not use the Coins or did not use all of the Coins;
• they did not achieve the expected simulated result or lost a simulated transaction;
• they did not win a competition or their simulated portfolio decreased in value;
• they no longer use the Platform or stop playing;
• they expected a different game outcome or misunderstood the rules after completing the purchase.

4 NO REFUND FOR USED COINS

Once purchased Coins have been credited to an account, used, spent, transferred through an authorised Platform feature, applied to a transaction, used to access a paid feature, or consumed as part of a competition or challenge, they are generally non-refundable.

The fact that a user later changes their mind does not create a right to a refund.

5 NO CASH REDEMPTION

Coins cannot ordinarily be exchanged for: cash, bank transfers, UPI transfers, cryptocurrency, securities, startup equity, investment capital, physical goods, or other monetary instruments.

The purchase of Coins therefore does not create a refundable cash balance. Any exception to this rule must be expressly required by applicable law or expressly approved by OGStartups.

6 EXCEPTIONAL REFUND REQUESTS

Although purchases are generally non-refundable, OGStartups may, at its sole discretion and subject to applicable law, review exceptional refund requests.

A user who believes there is a genuine issue with a purchase may contact: support@ogstartups.com

Examples of circumstances that may be reviewed include:

• a confirmed technical failure resulting in payment being completed but Coins not being credited;
• a duplicate charge caused by a technical or payment-processing error;
• an amount being charged materially different from the displayed checkout price;
• a demonstrable Platform error that materially affected the purchase;
• an unauthorised transaction, subject to reasonable verification;
• a payment successfully deducted where digital service was not delivered;
• any other circumstance where a refund is required by applicable law.

Submitting a refund request does not guarantee that a refund will be approved.

7 PAYMENT COMPLETED BUT COINS NOT RECEIVED

If a user has been charged successfully but Coins have not appeared in the user's account, the user should first allow reasonable processing time and verify the transaction status. If Coins remain unavailable, contact: support@ogstartups.com.

The user may be asked to provide: registered email address, username, transaction date, transaction amount, payment reference/ID, receipt, and relevant screenshots.

8 DUPLICATE, UNAUTHORISED & ACCIDENTAL TRANSACTIONS

8. Duplicate Transactions: If accidentally charged more than once due to technical errors, contact support@ogstartups.com for verification and reversal.

9. Unauthorised Transactions: Report unauthorized activity immediately to support@ogstartups.com for investigation.

10. Accidental Purchases: Users are responsible for reviewing purchase details prior to confirmation. Accidental button clicks do not automatically qualify for refunds.

9 UNUSED COINS, ACCOUNT CLOSURE & SUSPENSIONS

11. Unused Coins: Unused Coins in an active account do not create a cash refund right.

12. Account Closure: Closing or deleting an account does not entitle the user to a cash refund for unused balances.

13. Violations: Accounts terminated for Terms violations, fraud, or market manipulation forfeit rights to refunds for purchased or used digital features.

10 PLATFORM OUTAGES, GAME OUTCOMES & PROMOTIONAL COINS

14. Outages: Temporary maintenance or server downtime does not create an automatic refund right.

15. Game Outcomes: Simulated trading losses, falling virtual share prices, or losing leaderboard positions are strictly non-refundable.

16. Rule Changes: Modifications to simulation rules prospective in nature do not trigger historical purchase refunds.

17. Promotional & Free Coins: Welcome Coins, referral bonuses, and free credits have no cash value and cannot be refunded.

11 TAXES, PAYMENT PROCESSORS & CHARGEBACKS

18. Taxes & Fees: Bank charges, foreign exchange fees, and taxes are non-refundable by OGStartups.

19. Payment Processors: Payments processed via third-party gateways are subject to relevant gateway verification.

20. Chargebacks: Users should contact support before initiating chargebacks. Fraudulent chargebacks result in immediate account suspension.

12 REFUND REQUEST PROCESS & REVIEW

To request review for an exceptional refund, email: support@ogstartups.com with subject line Refund Request – [Transaction ID].

Approved refunds are returned to the original payment method subject to banking processing timelines.

13 CONSUMER RIGHTS & GOVERNING LAW

Mandatory consumer protection rights under applicable law are preserved. This policy is governed by the laws applicable in India, with dispute jurisdiction in New Delhi, India.