REFUND POLICY

1. OVERVIEW

This Refund Policy explains the circumstances under which NIDEE Credit Solutions Pvt Ltd ("NIDEE", "we", "us", or "our") may provide refunds for services purchased from us.

This Refund Policy applies to fees paid for credit consultation, credit report assistance, credit dispute facilitation, grievance assistance and other related services provided by NIDEE.

This Policy should be read together with our Terms of Service, Privacy Policy and any other applicable terms published on our Website.

2. SERVICE FEES AND NON-REFUNDABLE CHARGES

NIDEE's service fees may cover activities including:

• Credit report analysis and related consultation.
• Credit dispute preparation and submission assistance.
• Assistance with disputes involving Credit Information Companies such as TransUnion CIBIL, Equifax, Experian and CRIF High Mark.
• Grievance submission assistance to relevant financial institutions.
• Financial advisory and credit consultation services.
• Documentation, processing and administrative support.

Service fees are generally non-refundable once the applicable service has commenced or work has been performed, except where a refund is expressly permitted under this Policy or required under applicable law.

2.1 Charges Not Included in NIDEE Service Fees

The following charges, where applicable, are separate from NIDEE's service fees:

• Credit report subscription charges or fees imposed directly by Credit Information Companies.
• Outstanding dues payable to banks, NBFCs, lenders or other financial institutions.
• Legal notices, legal consultations, arbitration, litigation or other formal legal proceedings.
• Government, statutory or third-party charges.

3. WHEN REFUNDS WILL NOT BE PROVIDED

Subject to applicable law, a refund will generally not be provided in the following circumstances.

3.1 Service Denial or Withdrawal by Client

If a client decides not to proceed with the service after payment has been made or after work has commenced, the service fee will generally not be refundable.

This may include:

• Client withdrawing from the service process midway.
• Client requesting discontinuation after payment.
• Client refusing or failing to provide required documents.
• Client becoming unresponsive during the service process.
• Client failing to provide required authorisations or information.

3.2 Non-Achievement of Desired Outcome

NIDEE does not guarantee any specific credit score, loan approval, credit facility, dispute outcome or correction of credit information.

Therefore, a refund will generally not be available solely because the desired outcome was not achieved.

This includes circumstances where:

• Your credit score does not improve as desired.
• A loan or credit application is not approved.
• Negative entries remain on your credit report following verification by the relevant institution.
• Dispute resolution takes longer than initially expected.
• A financial institution rejects or does not accept a requested correction.

3.3 Charges Already Paid or Submitted

Fees relating to work that has already been performed, processed, submitted or committed to third parties are generally non-refundable.

This may include:

• Dispute filing fees after submission.
• Grievance submission fees after filing.
• Processing charges.
• Administrative charges.
• Third-party charges already incurred on behalf of the client.

4. WHEN REFUNDS MAY BE PROVIDED

Subject to verification and applicable law, NIDEE may consider a refund in circumstances where the issue is attributable to NIDEE's failure to properly deliver an agreed service.

Refund requests should generally be submitted within 30 days from the date of payment, unless a different period is required by applicable law.

4.1 Defects or Faults from NIDEE's End

A refund may be considered where NIDEE has committed a material error, fault or service-delivery failure attributable to NIDEE.

This may include:

• Failure to submit an agreed dispute or grievance due to NIDEE's confirmed error.
• Submission of materially incorrect or incomplete information caused by NIDEE's negligence.
• Loss of client documents or information due to NIDEE's confirmed mishandling.
• Material failure to provide the agreed service.
• Unauthorised disclosure of confidential client information attributable to NIDEE.

Any refund under this section will be determined after reviewing the circumstances, service records and supporting evidence.

4.2 Duplicate Payment

If the same service payment is accidentally processed more than once, the verified duplicate payment may be refunded.

5. REFUND REQUEST PROCEDURE

If you believe you are eligible for a refund, please submit your request using the following procedure:

1. Submit your refund request within 30 days from the payment date, unless otherwise required by applicable law.
2. Provide your full name and client ID, if available.
3. Provide the payment transaction ID or receipt number.
4. Clearly explain the reason for the refund request.
5. Provide relevant supporting documents or evidence, where applicable.
6. NIDEE will review the request and may contact you for additional information or verification.
7. NIDEE will generally communicate its decision within 15 business days, subject to the complexity of the request and availability of required information.

6. REFUND PROCESSING TIME

If a refund is approved, it will generally be processed using the original payment method wherever reasonably possible.

• Refund processing generally takes 7–10 business days after approval.
• Additional processing time may be required by banks, payment gateways or financial institutions.
• The actual time taken for the amount to reflect in your account may vary depending on the payment provider.
• Confirmation of the refund may be provided through email or another appropriate communication channel.

7. PARTIAL REFUNDS

Depending on the circumstances, NIDEE may determine that a partial refund is appropriate where only part of the contracted service remains undelivered.

A partial refund may be considered where:

• A portion of the service has already been successfully delivered.
• A dispute has been partially filed or processed.
• Third-party charges have already been incurred.
• Administrative or processing work has already been completed.

The refundable amount, if any, will be determined after reviewing the services already delivered, work completed and applicable third-party charges.

8. DISPUTE RESOLUTION TIMELINE AND DISCLAIMER

Credit disputes and grievance matters are dependent on the response and verification process of the relevant Credit Information Company, bank, NBFC, lender or financial institution.

8.1 Initial Resolution

NIDEE may assist with the submission and follow-up of applicable disputes or grievances. Resolution timelines may vary depending on the relevant institution's response, verification requirements and applicable regulatory timelines.

8.2 Regulatory or Ombudsman Escalation

Where applicable, unresolved matters may be escalated through appropriate regulatory or grievance mechanisms, subject to the eligibility requirements and procedures of the relevant authority.

Any applicable regulatory processing timeline is determined by the relevant authority and is outside NIDEE's direct control.

8.3 Legal Proceedings

If a matter requires legal intervention, legal notices, litigation, arbitration or other formal legal proceedings, such services and associated costs may be separate from NIDEE's standard service fees.

8.4 Outstanding Dues

Any outstanding amount payable by the client to a bank, NBFC, lender or other financial institution remains the client's responsibility.

NIDEE's service fees do not include repayment or settlement of the client's outstanding financial obligations unless expressly agreed in writing.

9. SPECIAL CIRCUMSTANCES

NIDEE may consider refunds or alternative remedies in exceptional circumstances after reviewing the specific facts of the case.

Such circumstances may include:

• Severe service disruption caused by a technical issue within NIDEE's reasonable control.
• Duplicate payments.
• Material service failure attributable to NIDEE.
• Force majeure events or other exceptional circumstances, where appropriate.
• Any other circumstance where a refund is considered appropriate by NIDEE, subject to applicable law.

10. REFUND EXCLUSIONS AND THIRD-PARTY DECISIONS

NIDEE provides facilitation, advisory and documentation support. Certain outcomes depend entirely on third-party institutions.

Accordingly, NIDEE shall generally not be responsible for refunding fees merely because a third party:

• Does not approve a credit application.
• Does not accept a requested correction.
• Does not modify a credit report.
• Takes longer than expected to respond.
• Determines that the reported information is accurate.
• Takes an independent decision regarding a client's credit profile.

11. GOVERNING LAW AND JURISDICTION

This Refund Policy shall be governed by and construed in accordance with the applicable laws of India.

Subject to applicable law and regulatory jurisdiction, disputes concerning refunds shall be subject to the jurisdiction of the competent courts in Bangalore, Karnataka, India.

Nothing in this Refund Policy is intended to exclude or restrict any mandatory rights or remedies available to consumers under applicable law.

12. POLICY CHANGES

NIDEE reserves the right to update or modify this Refund Policy from time to time to reflect changes in our Services, business practices, technology or applicable legal and regulatory requirements.

Updated versions of this Policy will be published on our Website with the revised "Last Updated" date.

Refund requests will generally be evaluated based on the policy applicable at the time the relevant payment or transaction was made, subject to applicable law.

13. CONTACT INFORMATION

For refund-related enquiries or to submit a refund request, please contact NIDEE using the information below.