For Advisory Clients: The refund and cancellation policy of Clovek Wealth shall be as per SEBI circular vide SEBI/HO/IMD/DF1/CIR/P/2020/182, dated: 23rd Sept 2020 and the terms of individual agreement entered into with clients of Clovek Wealth . For Distribution Clients: The refund and cancellation policy shall be as per guidelines, circulars issued by regulatory authorities.