Refund Policy
Effective date: 15 October 2026
1. Scope
This Refund Policy applies to payments made to Credfico Consultancy Pvt. Ltd. for Credfico Books and related SaaS Platform plans, subscription fees and eligible usage charges. It does not replace any non-waivable refund or consumer right provided by applicable law.
2. Seven-day request window
Please submit a refund request within 7 calendar days from the date of the relevant payment. Requests received after this period may be declined unless applicable law requires otherwise or Credfico approves an exception. The request window is measured from the payment date, not from when you later view an invoice or report.
3. How to request a refund
Email support@credfico.com within the 7-day period. Include your business/tenant name, Tenant ID if available, invoice or receipt number, payment reference, payment date, amount and reason for the request. We may request reasonable supporting information to verify the payment and investigate the issue.
4. When a refund may be considered
- A duplicate payment or payment collected in error that can be verified.
- A verified technical or service issue that prevented access to a paid service and could not reasonably be resolved.
- A paid service that was not provided as agreed, subject to the applicable plan and facts.
- Another situation in which a refund is required by law or specifically agreed in writing.
5. Usage-based charges and exclusions
Because some plans or services may charge by usage, bills, invoices, messages or other processed actions, charges attributable to usage already delivered or consumed may not be refundable, except where required by law or approved after review. Refunds are not automatic simply because a user stops using the Platform, changes a plan, enters incorrect data or cancels after using a paid feature. We will review each request against the plan, transaction records and applicable law.
6. Cancellation and subscription renewal
You may request cancellation through the available account controls or by contacting support. Cancellation will apply according to the plan terms and may prevent future renewals; it does not automatically refund past payments or cancel amounts already due. If a renewal payment is disputed, contact us within 7 calendar days of that payment.
7. Approval and processing
If a refund is approved, it will ordinarily be sent to the original payment method where supported. Processing time depends on the bank, payment gateway or payment provider. We will communicate the decision or request further details using the contact information supplied with the request. A refunded payment may result in the associated paid access or credits being adjusted where appropriate and lawful.
8. Contact
Refund requests and questions should be sent to support@credfico.com. Please retain your payment receipt and support correspondence.
Credfico Consultancy Pvt. Ltd.
Phone: +91 94296 92187
Website: www.credfico.com