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OGDC 316.23 ▼ 1.03% PPL 231.45 ▼ 0.59% POL 748.58 ▼ 0.03% MARI 637.43 ▼ 1.97% PSO 351.07 ▼ 0.42% APL 579.40 ▼ 0.76% SNGP 90.83 ▼ 2.33% SSGC 23.90 ▼ 2.29% ATRL 1,131.02 ▼ 3.64% NRL 546.90 ▼ 3.20% PRL 92.14 ▼ 3.90% CNERGY 13.47 ▼ 5.87% HBL 304.12 ▲ 0.27% MCB 387.99 ▼ 0.67% UBL 426.26 ▼ 1.48% MEBL 551.66 ▼ 0.69% BAHL 151.42 ▼ 0.92% NBP 165.14 ▼ 3.18% BOP 30.56 ▼ 0.84% BAFL 56.37 ▼ 0.56% AKBL 106.93 ▼ 0.51% FABL 93.99 ▼ 0.74% HMB 98.00 ▼ 0.99% SNBL 19.67 ▼ 1.01% OGDC 316.23 ▼ 1.03% PPL 231.45 ▼ 0.59% POL 748.58 ▼ 0.03% MARI 637.43 ▼ 1.97% PSO 351.07 ▼ 0.42% APL 579.40 ▼ 0.76% SNGP 90.83 ▼ 2.33% SSGC 23.90 ▼ 2.29% ATRL 1,131.02 ▼ 3.64% NRL 546.90 ▼ 3.20% PRL 92.14 ▼ 3.90% CNERGY 13.47 ▼ 5.87% HBL 304.12 ▲ 0.27% MCB 387.99 ▼ 0.67% UBL 426.26 ▼ 1.48% MEBL 551.66 ▼ 0.69% BAHL 151.42 ▼ 0.92% NBP 165.14 ▼ 3.18% BOP 30.56 ▼ 0.84% BAFL 56.37 ▼ 0.56% AKBL 106.93 ▼ 0.51% FABL 93.99 ▼ 0.74% HMB 98.00 ▼ 0.99% SNBL 19.67 ▼ 1.01%

Refund & Cancellation Policy

Last updated:

This policy explains how cancellations and refunds work for paid PSX Expert plans (Pro and Premium). It forms part of our Terms of Service. Our free plan, market data and AI signals cost nothing and are not covered here.

The short version

  • Plans never renew automatically. You pay for one month or one year at a time, by bank transfer or mobile wallet, and nothing is charged again unless you choose to pay.
  • Changed your mind? Ask within 7 days of activation and, if you have not used the paid features, we refund the full amount.
  • After that, monthly payments are not refundable; unused whole months of a yearly plan are refunded pro-rata on request.
  • Duplicate or mistaken payments are always refunded in full.
  • Approved refunds reach you within 7–10 business days.

1. Cancelling a plan

Because payments are made manually, there is no card on file and nothing to "stop". You can cancel at any time from Billing in your account: your plan stays active until the end of the period you paid for, we stop sending renewal reminders, and on the end date your account moves to the free plan. You can undo a cancellation any time before the end date.

When a plan ends, nothing you created is deleted or hidden. Portfolios, transactions and imported statements stay readable, and exporting your data works on every plan.

2. 7-day cooling-off refund

If you request a refund within 7 days of the date your plan was activated, we refund the full amount you paid, provided the paid features have not been used. "Used" means any of the following during the paid period: importing a statement (PDF, CSV or email), connecting a sync source, generating a tax report, or using the portfolio AI assistant. Simply browsing the site ad-free, or looking at reports, does not count as use.

The cooling-off refund applies to the first payment for a plan on an account. Renewals and repeat purchases are covered by section 3.

3. After the cooling-off period

  • Monthly plans are not refundable once the 7 days have passed or the paid features have been used. You keep access until the end of the month you paid for.
  • Yearly plans can be refunded pro-rata on request: we refund each whole unused month at one twelfth of the yearly amount you actually paid (after any discount). The month in which you ask is counted as used, and your plan ends on the day the refund is approved.
  • Upgrades do not create a cash balance: unused time on your old plan is converted into extra days on the new one when you upgrade. That credit is not refundable separately.
  • Downgrades take effect when your current period ends; the current period is not refunded.

4. Duplicate, mistaken and unmatched payments

We refund in full, whatever the date:

  • a payment made twice for the same order;
  • any amount sent above the order total (the difference is refunded);
  • a payment for an order that was cancelled or had expired before we received it, if you would rather not apply it to a new order;
  • a payment we could not verify and therefore did not activate, once you show us the transfer reached our account.

If you underpaid, we will ask you to send the difference or refund what you sent — your choice.

5. How to request a refund

Email support@psxexpert.com from the address on your account, or use the contact form, with:

  • your payment reference (it looks like PSX-7KQ2M9) or invoice number;
  • the transaction ID from your bank or wallet receipt;
  • the account or wallet the refund should go to, if it differs from the one you paid from; and
  • a line on why you are asking — it helps us fix what went wrong.

We reply within 2 business days to confirm whether the refund is approved and how much it will be.

6. Processing time and method

Approved refunds are sent within 7–10 business days, by bank transfer (IBFT or Raast) or to the same mobile wallet you paid from. Your bank or wallet may take a little longer to show it. Refunds are made in Pakistani rupees for the amount we received; we cover our own transfer charges, but we cannot refund charges your bank or wallet applied to the original payment. When a refund is issued, the related invoice is marked void and the plan it paid for ends.

7. When refunds do not apply

We do not refund periods for accounts suspended or terminated for a breach of our Terms of Service — for example scraping, reselling access or sharing an account. Nothing in this policy limits any right you have under the laws of Pakistan.

8. Not investment advice

Paid plans pay for portfolio tools, limits and an ad-free experience. They do not buy investment advice, and investment outcomes are never grounds for a refund. Our AI signals are free, automated and informational — see the Disclaimer.

9. Changes to this policy

If we change this policy we update the date at the top of this page. A change never applies to a payment made before it, which is always handled under the policy in force on the day you paid.