This Policy explains your rights to cancel a paid subscription and to request a refund. It is designed to comply with the Punjab Consumer Protection Act 2005, the Sindh Consumer Protection Act 2014, the Khyber Pakhtunkhwa Consumer Protection Act 1997, and applicable distance-selling principles.
1. Free trials
Polymath offers a fourteen (14) day free trial for new B2C subscribers. During the trial:
- (a) no charges are made to your payment method, except where required to verify the card;
- (b) you may cancel at any time without explanation by visiting Account Settings or by writing to
support@polymath.feerasta.ai; - (c) at the end of the trial, your subscription will automatically renew at the published rate unless you cancel before the trial ends. We will email you a reminder forty-eight (48) hours before automatic renewal.
2. Cancellation by you
You may cancel a paid subscription at any time by visiting Account Settings or by writing to support@polymath.feerasta.ai.
- Monthly subscriptions: cancellation takes effect at the end of the current billing period. You will retain access until that date and will not be billed again.
- Annual subscriptions: cancellation within the first thirty (30) days entitles you to a pro-rated refund of the unused portion (see Section 3). Cancellation after thirty (30) days takes effect at the end of the annual period; we do not refund partial unused months.
3. Refunds
Refunds are issued in the following circumstances:
| Scenario | Refund |
|---|---|
| Cancellation within fourteen (14) days of first payment, no material use of the Service | Full refund |
| Cancellation within thirty (30) days of an annual subscription | Pro-rated refund of unused months |
| Polymath terminates the Service or removes a feature you paid for | Pro-rated refund of unused period |
| Repeated, prolonged, and undisputed downtime (more than 72 cumulative hours in a calendar month) | Service credit equal to the percentage of unavailability |
| Duplicate or accidental charge | Full refund of the duplicated amount |
| Unauthorised charge (including fraud) | Full refund subject to investigation and any required law-enforcement reporting |
Refunds will be issued to the original payment method within ten (10) working days of approval, subject to the processing time of the payment provider and the relevant card scheme.
4. Refunds we do not issue
The following circumstances do not, by themselves, give rise to a refund:
- (a) you forgot to cancel before the next billing cycle and have used the Service in that cycle;
- (b) you no longer wish to use the Service after using it for an extended period;
- (c) the curriculum or features of the Service do not match your subjective expectations, where they are accurately described in our public materials;
- (d) downtime caused by force majeure, your internet connection, or third-party services outside our control.
This Policy does not limit any non-excludable rights you may have under the Punjab Consumer Protection Act 2005 or other applicable consumer protection legislation.
5. Gift subscriptions
Gift subscriptions are pre-paid and non-refundable to the buyer once the redeem code has been delivered to the recipient. If the recipient does not redeem the gift within twelve (12) months, the buyer may request reissuance of the redeem code or a refund of the unredeemed amount. Once redeemed, the recipient cannot transfer the gift, but may cancel as set out in Section 2.
6. Institutional and donor subscriptions
Institutional licences and donor sponsorships are governed by the master service agreement signed with the institution or donor. In the absence of such an agreement, the terms of this Policy apply.
7. Tax and invoicing
All fees are exclusive of applicable taxes, including sales tax under the Sales Tax Act 1990 and provincial sales-tax laws. Polymath shall be entitled to add such taxes to invoices as required by law. Refunds are net of any taxes already remitted to the Federal Board of Revenue or provincial tax authorities; we will adjust the refund amount accordingly.
8. Foreign-currency transactions
Where you have paid in a foreign currency through an international payment gateway, refunds will be issued in the same currency to the same payment method. Currency-conversion losses, gains, and fees levied by your card issuer or bank are not refundable.
9. Disputes
If you are unsatisfied with our handling of a refund request:
- (a) email us at
support@polymath.feerasta.ai; - (b) you may escalate to the relevant provincial Consumer Protection Council (Punjab Consumer Protection Council, Sindh Consumer Protection Council, or Khyber Pakhtunkhwa Consumer Protection Council);
- (c) you may file a chargeback with your card issuer.
We commit to acknowledge any complaint within forty-eight (48) hours and to issue a substantive response within fifteen (15) working days.
10. Changes
We may update this Policy from time to time. Material changes will be announced on our website and notified to active subscribers by email at least thirty (30) days before they take effect.