This Refund and Cancellation Policy outlines the conditions under which cancellations and refunds may be processed for FXPRESS Standard subscriptions and related services provided by IBRLive India Private Limited through ibrlive.com. By subscribing to FXPRESS Standard, you agree to the terms set out below.

1. Overview

FXPRESS Standard is a subscription-based Forward Rate Portal that gives you access to live interbank reference rates, real-time forward premiums, the forward rate calculator, rate alerts, and digital forward-contract tracking. Subscriptions are offered on a monthly, 90-day, or annual basis.

FXPRESS Standard provides reference rates and intelligence only. It is not a trading or dealing platform — you cannot book, buy, or sell currency on the portal, and we do not execute transactions or hold client funds. This policy therefore relates to your subscription, not to any currency transaction.

2. Subscription cancellations

2.1. Pre-confirmation cancellations

You may cancel a subscription request without any penalty before the subscription has been confirmed and activated by IBRLive. Once a subscription is confirmed and activated, it cannot be cancelled for a refund except as described in Section 3.

2.2. Post-confirmation cancellations

After a subscription has been confirmed and activated, it is final and binding for the chosen billing term. No cancellations for a refund will be permitted, except in cases where IBRLive determines that our platform has caused a significant error or issue.

If, after confirmation, you still wish to cancel your subscription, you may do so at any time. However, please note the following:

Once you confirm the cancellation, your access to FXPRESS Standard — including live rates, forward premiums, the calculator, and your saved forward-contract records for the remaining (unused) portion of your plan — will be revoked and can no longer be retrieved. If you wish to use or keep this data, we recommend that you continue using the Services and export or download anything you need before confirming cancellation. You may choose to cancel at a later time once you have finished using your data.

Cancelling your subscription stops future renewals; it does not, by itself, entitle you to a refund of fees already paid for the current term, except as set out in Section 3.

3. Refunds

3.1. Non-refundable subscriptions

All Exchange Rate API and FXPRESS Standard subscription fees are final once the subscription is activated. Refunds are not available for activated or completed subscription terms unless there is a verifiable error or technical issue on the part of IBRLive that prevents you from accessing or using the Services.

3.2. Refund eligibility

If a refund is deemed necessary due to an error on our part, we will process the refund within 7 business days of determining the eligibility of the refund.

3.3. Refund method

Refunds will be processed using the original payment method used for the transaction, unless otherwise agreed upon.

4. Errors & disputes

4.1. If you believe there has been an error with your subscription or payment, please contact us immediately at [email protected]. We will investigate the issue and determine whether a refund is warranted.

4.2. Any disputes regarding a subscription or payment must be reported within 14 business days of the transaction date.

5. Contact us

If you have any questions about our Refund and Cancellation Policy, please contact us:

Company

IBRLive India Private Limited

Phone

+91-9991622344

[email protected]