Refund & Cancellation Policy

1. Overview & Scope

This Refund & Cancellation Policy ("Policy") governs your use of the services offered by FinRight Solutions Pvt. Ltd. ("FinRight", "we", "us" or "our") through our website and associated channels. It describes when a service request may be cancelled, the limited circumstances in which a fee paid to us may be refunded, and how charges levied by third-party financial institutions are treated.

By submitting a request, application or enquiry through FinRight, you acknowledge that you have read and understood this Policy. It should be read together with our Terms & Conditions, Privacy Policy and Disclaimer.

2. Nature of Our Services

FinRight is a financial-assistance facilitation platform. We help individuals and businesses across India discover, compare and apply for financial products such as credit cards, general insurance and EMI-based solutions offered by our partner banks, insurers and Non-Banking Financial Companies (NBFCs). We are not a bank, NBFC or insurer, and we do not lend, underwrite or issue any financial product ourselves.

• Most facilitation is free of cost. For the majority of customers, our core assistance — guidance, eligibility checks and application support — is provided at no charge.
• Because we generally do not collect money from customers for basic facilitation, in most cases there is simply no payment to refund.
• Where any optional, value-added or processing service does carry a fee, that fee is disclosed to you in advance before you choose to proceed.

3. Service / Processing Fees (If Any)

In certain limited situations we may charge a service or processing fee — for example, for a specific premium assistance package or documentation/processing support that you expressly opt into. Where such a fee applies:

• The amount, what it covers, and whether it is refundable will be clearly communicated to you before you make the payment.
• A fee is only collected after you have given your informed consent to proceed.
• You will receive a confirmation or receipt for any amount paid to FinRight.
• A service or processing fee, where charged, is separate and distinct from any charges, premiums, interest or fees levied directly by a bank, insurer or NBFC for the underlying product.

4. Cancellation of a Service Request

You may request the cancellation of a service request initiated through FinRight, subject to its current stage:

• Before processing begins: If you contact us before we have started processing your request or forwarded your application to a partner institution, you may cancel it at no cost, and any eligible fee already paid will generally be refunded in full.
• After processing has begun: Once work has commenced or your application has been submitted to a partner, cancellation may be limited, and any fee covering services already rendered up to that point may be non-refundable.
• After product issuance: Once a product (such as a credit card or insurance policy) has been issued or activated by the partner institution, cancellation of that product is governed by the institution's own terms — see Section 7 below.

To request a cancellation, email us at help@finrightsolutions.com with your name, registered contact details and a reference to the request you wish to cancel.

5. Refund Eligibility

Where a fee has been paid to FinRight, a refund may be considered in circumstances such as:

• Duplicate or excess payment: If you were accidentally charged more than once, or charged an amount greater than the disclosed fee, the duplicate or excess amount will be refunded.
• Service not rendered: If a paid service could not be delivered by FinRight for reasons attributable to us, the corresponding fee will be refunded.
• Cancellation before processing: If you cancel an eligible request before we begin processing it, any fee paid will be returned, as set out in Section 4.

Non-Refundable Items

The following amounts are generally not refundable:

• Fees for facilitation or processing services that have already been substantially or fully rendered.
• Charges, premiums, interest, processing fees or other amounts levied directly by a bank, insurer or NBFC, which are outside FinRight's control.
• Third-party payment gateway charges, taxes or statutory levies, where applicable and non-recoverable.
• Requests cancelled after a partner institution has acted upon a submitted application.

6. Refund Process & Timelines

To request a refund, please email help@finrightsolutions.com with the following details so we can locate and verify your payment quickly:

• Your full name and registered mobile number / email.
• Payment reference or transaction ID and the date of payment.
• A brief description of the reason for the refund request.

Once we receive your request, we will review it and confirm eligibility. Approved refunds are typically processed within 7–10 working days and credited back to the original payment method used for the transaction. The time taken for the amount to reflect in your account may vary depending on your bank or payment provider. We will keep you informed if any additional information is required to complete the refund.

7. Third-Party Products

Refunds, cancellations, free-look periods, foreclosure and similar matters for products issued by banks, insurers or NBFCs are governed entirely by those institutions' own policies, terms and regulatory requirements — not by FinRight. For example, an insurer's free-look cancellation or a card issuer's annual-fee reversal is decided and processed by that institution.

For any such request, you should contact the relevant institution directly using the details in your product documents. We are happy to guide you on the right point of contact, but FinRight cannot approve, process or guarantee refunds or cancellations of third-party products.

8. Changes to this Policy

We may update or revise this Policy from time to time to reflect changes in our services, partner arrangements, business practices or applicable law. The "Last Updated" date at the top of this page indicates when it was most recently revised. We encourage you to review this page periodically. Continued use of our services after any update constitutes acceptance of the revised Policy.

9. Contact Us

If you have any questions about this Refund & Cancellation Policy or a specific payment, please reach out to us:

• Email: help@finrightsolutions.com
• Phone: +91 98727 27349
• Address: Registered Office, Punjab, India