Refunds & Cancellations

We understand that circumstances may change. Our refund policy is designed to be fair and transparent. Refunds are available in the following cases:

• Technical Failure: Payment was deducted but access was not provided
• Duplicate Payment: Same transaction was charged twice
• Service Unavailability: Platform was non-functional for more than 72 hours
• Unauthorized Transaction: Payment made without your consent (with proof)

Refunds will NOT be provided in the following situations:

• Change of mind after successful plan activation
• Failure to use the platform after purchasing the plan
• Loan application rejection by banks or NBFCs
• Violation of our Terms & Conditions (account suspended)
• Requests made after the 7-day window period
• Fraudulent or illegal activities detected on the account
• Payment method issues caused by the user's bank

You may cancel your plan or account under the following conditions:

• Before Payment: You can simply abandon the checkout — no charges apply
• Within 24 Hours: Full refund if cancellation requested within 24 hours and platform not used
• After 24 Hours: No refund; plan remains active until natural expiry
• Account Deletion: You may request account deletion anytime, but plan fee is non-refundable

To cancel, please contact our support team with your registered email and order ID.

To request a refund, follow these simple steps:

• Step 1: Email us at support@friendscredit.com
• Step 2: Include your Order ID and Payment ID
• Step 3: Attach proof of payment (screenshot or receipt)
• Step 4: Clearly state the reason for refund with details
• Step 5: Our team will review and respond within 3-5 business days

Once your refund is approved, the amount will be processed as follows:

Total processing time: 7-12 business days from the date of request. Refunds are credited back to the original payment method only.

Refunds are processed through the following methods only:

• Credit/Debit Card: Reflected in the same card within 5-7 business days
• Net Banking: Credited to the same bank account within 5-7 business days
• UPI/Wallet: Reflected in the same UPI/Wallet within 3-5 business days

The following applies to commission and payouts:

• Commission is credited only after loan disbursement is confirmed by the bank
• Cancelled or rejected loan applications do not qualify for commission
• Commission once credited to your account is final and non-refundable
• Payouts may be subject to minimum thresholds and TDS deductions
• Disputes regarding commission must be raised within 30 days of the transaction

We reserve the right to modify this Refund Policy at any time:

• Changes will be effective immediately upon posting on this page
• Continued use of our services constitutes acceptance of changes
• All disputes are governed by the laws of India
• Exclusive jurisdiction lies with Indian courts only
• For any legal matters, contact us at support@friendscredit.com