Refund Policy

TradingLedger.in sells exclusively digital products — specifically the Institutional Playbook PDF. Digital products, by their nature, are instantaneously delivered and accessible upon payment confirmation. Once a digital file has been delivered or made accessible to a buyer, it cannot be "returned" in the way a physical product can.

For this reason, and consistent with standard industry practice for digital goods, all sales are treated as final from the moment delivery is initiated by our platform, Cosmofeed.

All sales of the Institutional Playbook PDF are final. No refunds are provided for digital products once delivery is initiated.

This policy applies unconditionally to all purchases made through TradingLedger.in. Specifically, no refund will be issued for any of the following reasons:

• Change of mind after purchase.
• Claiming the content did not meet expectations.
• Failure to read the product description, SEBI disclaimer, or these Terms prior to purchase.
• Inability to open or access the PDF due to device or software incompatibility.
• Accidental or duplicate purchases (please contact us immediately — see Section 06).
• Claiming the content is not suitable for your level of trading experience.
• Any dissatisfaction with the educational material after access has been granted.

Upon successful payment, your purchased PDF will be delivered electronically via Cosmofeed to the email address you provide at checkout. Delivery typically occurs within minutes of payment confirmation.

By proceeding through checkout, you:

• Expressly consent to the immediate execution of the digital delivery.
• Acknowledge that delivery will commence as soon as your payment is confirmed.
• Waive any right to cancel or claim a refund once delivery has been initiated.

Please ensure you provide a valid and accessible email address at checkout. TradingLedger.in is not responsible for non-delivery resulting from an incorrect or inaccessible email address provided by the buyer.

We strongly encourage all potential buyers to review the following before completing a purchase:

• The full product description and table of contents available on our homepage.
• The mandatory SEBI disclaimer confirming this is educational content, not investment advice.
• Our Terms of Service, which govern the use of purchased materials.
• Our Privacy Policy, which describes how your data is handled.

If you have any questions about the product before purchasing, please contact us at desk@tradingledger.in. We are happy to help you determine whether the Institutional Playbook is right for you before you commit to a purchase.

In the rare event of a verified technical failure on our end — where payment was successfully processed but the PDF was not delivered to you through no fault of your own — we will:

• Resend the PDF to your registered email address, or
• Provide you with an alternative secure download link.

This is not a refund — it is a re-delivery of your purchased product. To report a delivery failure, email us at desk@tradingledger.in with your order confirmation number within 48 hours of purchase.

The following exceptional circumstances may be considered on a strictly case-by-case basis:

• Verified duplicate charge: If your card or UPI was charged twice for the same order, we will work with Cosmofeed to reverse the duplicate transaction.
• Unauthorised transaction: If you did not authorise the transaction, please contact your bank immediately and also notify us so we can investigate.

For any such concerns, email desk@tradingledger.in with the subject line "Billing Issue — [Your Order ID]" within 48 hours of the transaction. We will respond within 2 business days. All decisions regarding exceptional circumstances remain at the sole discretion of TradingLedger.in.

This policy is designed to comply with applicable Indian consumer protection laws, including the Consumer Protection Act, 2019 and the Information Technology Act, 2000, as they apply to digital goods and services. Nothing in this Refund Policy limits any statutory consumer rights you may have under applicable law that cannot be contractually excluded.

By purchasing, you confirm that you are 18 years of age or older and have the legal capacity to enter into this agreement.