This refund and cancellation policy explains the terms and conditions of all digital payments made through our website. Read this notice carefully to understand your rights and our obligations.
In case your bank account or card is charged for a failed transaction, you must seek reversal directly from your bank or card issuer. We cannot initiate any kind of reversal in such instances. In the event of a rejected transaction, you are recommended to get in touch with your bank or card issuer for resolving the matter.
In case you commit excess payments towards a single transaction, we will be entitled to credit any excess amount against your loan account. The amount will thus be deducted from the loan balance owed by you.
If we determine through our internal audit process that an overpayment has occurred and that you are eligible for a refund, it will be issued via electronic transfer. Refunds generally take about a month to be processed after the claim for refund is filed.
Refunds are payable solely to the same bank account or card used to make the transaction.
To apply for a refund on excess payment or a failed transaction, you would need to submit an application formally. We accept this as an email in response, with details of the transaction, including the number of your transaction and any other necessary documents to validate the application. We would then take 7-10 working days to deliberate and process the refund once we have received your request.
If you have several loan accounts with us, we can, at our discretion, apply any surplus payments to one or more of your loan accounts. This means that excess funds stemming from overpayment or multiple transactions may be applied across your active loan accounts.
We are not responsible for not processing the payment in the following circumstances:
If any of your payments are declined, we will inform you of the same via an email. It is always your responsibility to verify the authenticity of the payment details and communicate the same with your bank, if required.
Credit4Sure grants you a limited license to access and use the Platform for availing the Services, but not to download any material from it or modify it, except with express written consent of Credit4Sure. Any unauthorized access to the Platform or any attempt to modify, adapt, translate, or reverse engineer any part of the Platform is not permitted.
We reserve our right to at any time suspend or terminate our online payments without notice for whatever reason. The reasons include technical problems, requirements of maintenance or other reasons which may impede the proper functioning of our payment facilities. You will be notified before such action where feasible, with alternative payment alternatives.
Credit4Sure may stop providing the Services and may terminate use of it at any time without giving notice of termination to you. Upon any termination, you must stop using the Platform. .
The ability to use our online payment services may be read to imply your acceptance of the following terms and conditions. You are herein required to observe strictly the correct procedure and provide all necessary details for smoother processing of your payments.
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