Refund Policy

CREDIZEN Financial Services provides professional credit repair and advisory services. Please read this Refund Policy carefully before purchasing. By completing a purchase, you acknowledge and agree to the terms below.

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1. Services Covered

This policy applies to all paid services purchased on credizen.in, including error correction packages, settlement assistance, written-off removal, NPA guidance, and consultation sessions.

2. Eligibility for Refund

A. Full Refund

You are eligible for a 100% refund (excluding payment gateway charges of ≤3%) if:

• You cancel within 48 hours of purchase, AND
• CREDIZEN has not yet opened your case file or assigned an expert.

B. 50% Refund

A 50% refund is available if:

• You cancel within 7 days of purchase, AND
• The case file has been opened and document review has started, but no bureau communication has been sent on your behalf.

C. No Refund

No refund is issued after:

• The first communication (letter, email, or online portal submission) has been sent to a credit bureau, lender, or bank on your behalf.
• More than 7 days have elapsed from the date of purchase.
• The case has been resolved and bureau updates confirmed.
• Service was terminated due to client-provided false information.

3. Consultation Sessions

Consultation bookings may be rescheduled up to 12 hours before the scheduled time at no charge. Cancellation within 12 hours of the session or no-shows are not eligible for refund. Rescheduling is allowed once without any additional fee.

4. How to Request a Refund

To request a refund:

1. Email refund@credizen.in with subject: "Refund Request – [Order Number]".
2. Include your full name, registered mobile number, and reason for cancellation.
3. We will acknowledge within 24 hours and respond with a decision within 3 business days.

5. Refund Processing

Approved refunds are processed to the original payment method within 7–10 business days. Depending on your bank, the amount may take an additional 3–5 days to reflect in your account. CREDIZEN is not responsible for delays caused by payment processors or banks.

6. GST on Refunds

GST amounts collected on services are subject to applicable tax rules. Refunded GST will be processed in compliance with the Goods and Services Tax Act, 2017. A credit note will be issued for the refunded amount.

7. Service Credit

At our discretion, and with your consent, refund amounts may be converted to a CREDIZEN service credit valid for 12 months from issuance. Credits are non-transferable and not redeemable for cash. For any queries, contact our support team at +91 91812 62303 or support@credizen.in.