Refund & Cancellation Policy
REFUND & CANCELLATION POLICY
KreditEase aims to provide transparent and reliable financial-service assistance.
This Refund & Cancellation Policy explains the circumstances in which service requests may be cancelled and when a refund may be applicable.
1. SERVICE REQUEST CANCELLATION
Customers may request cancellation of a service request before processing has commenced.
Once processing, verification or transaction execution has started, cancellation may not be possible.
Customers should contact KreditEase as soon as possible if they wish to cancel a request.
2. SERVICE AND PROCESSING FEES
Where a service has already been processed, completed or materially commenced, applicable service or processing charges may be non-refundable to the extent permitted by applicable law.
Any applicable non-refundable charge will be communicated before processing wherever reasonably practicable.
3. FAILED OR UNSUCCESSFUL TRANSACTIONS
If a transaction fails before the requested service is completed and an amount has been received by KreditEase for that transaction, the transaction will be reviewed and reconciled.
Where a refund is determined to be due, the eligible amount may be refunded through the applicable payment or banking channel.
Refund processing time may depend on the customer’s bank, card issuer or payment service provider.
4. DUPLICATE PAYMENTS
If a customer makes a duplicate payment for the same service or request, the customer should contact KreditEase immediately.
The customer may be required to provide proof of the duplicate payment.
After verification, an eligible duplicate amount may be refunded subject to applicable charges and applicable law.
5. INCORRECT BANK OR PAYMENT INFORMATION
KreditEase is not responsible for delays or losses caused by incorrect bank account, card or payment information provided by the customer.
If funds have already been transferred based on incorrect information provided by the customer, recovery may depend on the relevant bank or payment provider.
6. BANK OR PAYMENT PROCESSOR DELAYS
Refunds, reversals or transaction adjustments may be delayed due to:
Bank processing times
Card issuer processing
Payment gateway processing
Banking holidays
Technical issues
Reconciliation requirements
Compliance or verification procedures
Such delays do not automatically constitute a failure by KreditEase to process an eligible refund.
7. FRAUDULENT OR UNAUTHORIZED TRANSACTIONS
If a transaction appears fraudulent, unauthorized or suspicious, KreditEase may suspend processing and investigate the transaction.
Additional information or documents may be requested before a refund or reversal is processed.
Customers should immediately contact their bank or card issuer if they believe a transaction is unauthorized.
8. THIRD-PARTY CHARGES
Charges independently imposed by banks, card issuers, payment processors, government authorities or other third parties may not be refundable by KreditEase.
Treatment of such charges will depend on the relevant provider’s rules and applicable law.
9. HOW TO REQUEST A REFUND
To request a refund or cancellation, contact:
KreditEase
Phone: +91 96696 69866
Email: kreditease@gmail.com
Please provide:
Full name
Registered mobile number
Transaction/reference number, if available
Transaction date
Transaction amount
Reason for refund/cancellation
Supporting transaction proof, where applicable
Additional information may be requested for verification.
10. REFUND REVIEW
Refund requests will be reviewed based on:
Transaction status
Service status
Payment records
Applicable charges
Information provided by the customer
Bank/payment-provider records
Applicable law and regulatory requirements