REFUND & CANCELLATION POLICY

The table below summarises all refund scenarios at a glance. Detailed conditions for each scenario follow in Section 2.

For refund purposes under Sections 2.5 and 2.6, a "Valid Dispute" is a credit report entry that meets all of the following criteria:

• Factually inaccurate, incorrect, or belongs to another person entirely.
• Legally expired — beyond 7 years for negative accounts (except bankruptcy: 10 years).
• Not previously disputed by you or any other credit repair company.
• You have provided documented proof of inaccuracy (e.g., a payment receipt showing the account was closed).

No refund shall be issued under any of the following circumstances:

• Cancellation requested after the 7-day cooling-off period (except as provided in Sections 2.5 and 2.6).
• Cancellation requested after any dispute has been filed with any credit bureau or bank.
• Results are unfavorable due to accurate negative information on your credit report.
• Credit bureaus or banks take longer than estimated to respond (30–60 days is typical).
• You provided false, incomplete, or misleading information at any time during our engagement.
• You fail to cooperate, respond to requests, or provide documents within 15 days of request.
• You withdraw consent or cancel authorizations after services begin.
• You directly contact credit bureaus or banks regarding disputes filed by us without our written consent.
• Any service that has been partially or fully performed beyond the 7-day cooling-off window.
• Change of mind, dissatisfaction with credit score outcome, or unmet expectations.
• Loan rejection, credit denial, or interest rate increase by any lender based on your report.
• Credit score decrease during our engagement — scores can and do fluctuate.
• Force majeure events: credit bureau system failures, pandemics, natural disasters, government actions.

To request a cancellation or refund, you must follow this procedure exactly. Requests submitted any other way will not be considered.

• Processing Timeline — Approved refunds are processed within 30 business days from the date of approval.
• Refund Method — Refunds are credited to the original payment method used at the time of the transaction.
• Gateway Fees Deducted — Payment gateway processing fees (typically 2–5%) are non-refundable and will be deducted from any refund amount, regardless of the refund percentage.
• Bank Processing Time — An additional 3–7 business days may be required by your bank to reflect the refund in your account.
• GST is Non-Refundable — All applicable taxes paid to the government cannot be refunded.

If you initiate a chargeback with your bank or payment provider without first requesting a refund through our designated email process:

• All ongoing services will be suspended immediately and automatically.
• You will forfeit eligibility for any refund under this policy.
• We reserve the right to pursue collection of valid fees through legal means.
• You agree to pay all collection costs, legal fees, and interest at 18% per annum if the chargeback is found unjustified.
• We may file a dispute with credit bureaus regarding the chargeback transaction.

The following fees are non-refundable under all circumstances, including within the 7-day cooling-off period:

We shall not be liable for any delays or failure to perform our obligations caused by events beyond our reasonable control, including:

• Credit bureau processing times (typically 30–45 days).
• Bank or financial institution response times.
• Postal, courier, or electronic transmission delays.
• Government orders, natural disasters, pandemics, or epidemics.
• Technical failures, internet outages, or cyber attacks.

If a dispute filed by us results in the removal of an item, but the same item reappears within 90 days due to no fault of yours, we will refile the dispute at no additional cost. This is our sole warranty and does not entitle you to any refund, partial or full.

• Governing Law — This policy is governed by the laws of India, including the Indian Contract Act, 1872 and the Consumer Protection Act.
• Mandatory Negotiation — Before initiating any legal proceedings, you agree to attempt good-faith negotiation by providing 30 days' written notice to us.
• Exclusive Jurisdiction — Any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi NCR, India.
• No Class Action — You agree to resolve disputes on an individual basis and expressly waive the right to participate in any class action or representative proceeding.

In compliance with the Information Technology Act, 2000 and the Consumer Protection Act, we have designated a Grievance Officer to address your concerns regarding this policy:

For questions about this Refund & Cancellation Policy or to submit a refund request, reach out using the channels below. Remember: refund requests are only accepted via email.