Last Updated: [Insert Date]
This Refund & Cancellation Policy (“Policy”) governs the terms under which Kreditfin(AS Fintech Private Limited) (“Kreditfin”, “we”, “us”, or “our”) processes refunds and cancellations for payments made through our platform.
By making a payment on Kreditfin, you agree to this Policy.
1. Nature of Service
Kreditfin provides users access to their credit report (CIBIL report) and related financial insights.
A service fee of ₹89 (Rupees Eighty-Nine only) is charged for generating the credit report.
2. Cancellation Policy
- The service offered by Kreditfin is digital and delivered instantly upon successful payment.
- Therefore, once a payment is completed, the transaction cannot be cancelled.
- Users are advised to review all details carefully before making the payment.
3. Refund Policy
Refunds will be processed only under the following conditions:
a) Duplicate Transactions
- If a user has made multiple payments for the same service for any reason, the excess amount will be refunded.
b) Failed Service Delivery
- If the payment is successfully debited, but:
- The credit report is not generated, or
- The service is not delivered due to a technical error.
The user will be eligible for a full refund of the amount paid.
4. Non-Refundable Cases
Refunds will not be provided in the following cases:
- Successful generation and delivery of the credit report
- Incorrect details entered by the user
- Change of mind after payment
- Any delay caused due to incorrect information provided by the user
5. Refund Processing Timeline
- All eligible refunds will be processed within 48 hours (2 working days) from the date of verification.
- The refund amount will be credited to the original payment method used during the transaction.
- The actual credit timeline may vary depending on the user’s bank or payment provider.
6. Refund Request Mechanism
To initiate a refund request, users must provide the following details:
- Registered mobile number
- Transaction ID / Payment reference number
- Date and time of transaction
Users can contact us through:
- Email: support@kreditfin.com
- WhatsApp: +919140933522
7. Dispute Resolution
In case of any disputes regarding payments or refunds, users are required to first contact Kreditfin support.
If the issue remains unresolved, users may escalate the matter by writing to support@kreditfin.com with complete transaction details.
8. Compliance & Rights
- Kreditfin reserves the right to verify all refund claims before processing.
- Kreditfin reserves the right to reject any refund request if found invalid, abusive, or fraudulent.
- This Policy is subject to change without prior notice and shall be updated on the website accordingly.
9. Contact Information
For any queries related to refunds or cancellations, please contact:
- Email: support@kreditfin.com
- WhatsApp: +919140933522
