REFUND & CANCELLATION POLICY
Understand exactly when and how you can cancel our services and claim a refund. Our policy is stage-based: you only pay for the work we have actually completed. Read every term before making a payment.
Legally Binding Acknowledgment
Before accessing our Refund & Cancellation Policy, please confirm you have read and agree to the terms below.
- You have read and understood this Refund & Cancellation Policy in full.
- You agree to be legally bound by this policy under the Indian Contract Act, 1872.
- You acknowledge that refunds after work commences are calculated based on the stages of service completed, in accordance with this policy.
- You understand that refunds are calculated based on the stages of service completed at the time of cancellation, as detailed in Section 2 below.
This Refund & Cancellation Policy forms an integral part of our Terms & Conditions. By making any payment to Corvanta Financial Services, you expressly acknowledge and agree to be bound by this policy. No verbal or written representations outside this policy shall create any refund rights.
At Corvanta Financial Services ("Company", "we", "us", "our"), we are committed to transparency. This policy outlines the specific circumstances under which you may cancel services and request refunds. Please read carefully before making any payment.
The table below summarises all refund scenarios at a glance. Detailed conditions for each scenario follow in Section 2.
| Scenario | Refund Amount | Key Conditions |
|---|---|---|
| Before any work begins | 100% ✅ Full Refund |
Minus actual payment gateway charges (2–5%). No review, analysis, or drafting has commenced. |
| After Stage 1 (Report Review) — before Stage 2 (Drafting) | 75% ⚠️ Stage-Based |
We retain 25% for the completed review and analysis stage. The drafting, filing, and follow-up stages are refunded. |
| After Stage 2 (Drafting) — before Stage 3 (Filing) | 50% ⚠️ Stage-Based |
We retain 50% for the completed review and drafting stages. The filing and follow-up stages are refunded. |
| After Stage 3 (Filing) — before Stage 4 (Follow-up) | 25% ⚠️ Stage-Based |
We retain 75% for the completed review, drafting, and filing stages. The follow-up stage is refunded. |
| After Stage 4 (Follow-up) has commenced | 0% ❌ No Refund |
All four stages are underway or complete. Service is substantially delivered. |
| Our filing delay (no dispute filed within 60 days) | 50% max ⚠️ Capped |
Only if delay is solely our fault, excluding bureau delays or client non-cooperation. |
| Partial item non-resolution (120+ days) | 25% max ⚠️ Proportionate |
For identified disputable items we fail to resolve within 120 days. Per-item calculation only. |
Cancel before any substantive work begins and receive a full refund minus actual payment gateway charges (2–5%). "Work commenced" means document review, credit analysis, consultation delivery, or dispute letter preparation has started.
If you cancel after we have completed the review of your credit report and identified disputable items, but before drafting has started, you receive a 75% refund. We retain 25% for the forensic analysis work already performed. The drafting, filing, and follow-up stages are refunded.
If you cancel after we have prepared the dispute letters and supporting documentation, but before filing, you receive a 50% refund. We retain 50% for the review and drafting stages completed. The filing and follow-up stages are refunded.
If you cancel after we have submitted the dispute to the credit bureau(s), but before follow-up has commenced, you receive a 25% refund. We retain 75% for the completed review, drafting, and filing stages. The follow-up stage is refunded. This is the critical stage-based change — filing is not the end of our service.
Once follow-up work has commenced — monitoring bureau response timelines, analyzing responses, or preparing follow-up correspondence — the service is substantially delivered. No refund is issued at this stage.
Applies only if we fail to file any dispute within 60 calendar days of receiving complete documentation, the delay is solely our negligence, and you responded to all communications within 3 business days. Maximum 50% of service fee paid — total, not per dispute.
For identified disputable items we fail to resolve within 120 days, a proportionate 25% refund may apply, calculated per-item. This is not a guarantee of deletion — it reflects a refund for specific items not resolved within the stated timeframe.
For refund purposes under Sections 2.5 and 2.6, a "Valid Dispute" is a credit report entry that meets all of the following criteria:
- Factually inaccurate, incorrect, or belongs to another person entirely.
- Legally expired — beyond 7 years for negative accounts (except bankruptcy: 10 years).
- Not previously disputed by you or any other credit repair company.
- You have provided documented proof of inaccuracy (e.g., a payment receipt showing the account was closed).
These are NOT valid disputes for refund purposes: accurate late payments, accurate defaults, accurate written-off accounts, accurate settlements, credit inquiries, credit utilization, or any negative information that is factually correct — regardless of how it affects your score.
Refunds are calculated based on the stages of service completed at the time of cancellation. The four stages are:
- Stage 1 — Review: Analysis of your credit report and identification of disputable items.
- Stage 2 — Drafting: Preparation of dispute letters and supporting documentation.
- Stage 3 — Filing: Submission of disputes to the relevant credit bureau(s).
- Stage 4 — Follow-up: Monitoring bureau response timelines, analyzing responses, and preparing follow-up correspondence.
The fee is allocated equally across these four stages. Upon cancellation, we retain the portion corresponding to stages already delivered and refund the portion corresponding to stages not yet commenced.
Statutory Rights Preservation: This policy does not exclude or limit any statutory rights you have under the Consumer Protection Act, 2019. If our service is found to be deficient as defined under the Act, you retain the right to seek a refund or other remedy regardless of the terms above.
To request a cancellation or refund, you must follow this procedure exactly. Requests submitted any other way will not be considered.
Use the subject line exactly as: "REFUND REQUEST - [YOUR REGISTERED MOBILE NUMBER]". Emails with incorrect subject lines may be missed.
Your email must contain: full name as registered with us, registered mobile number and email, date of payment and transaction ID/receipt number, and a detailed reason for the cancellation with any supporting evidence.
Our team will acknowledge receipt within 3 business days and respond with a determination within 15 business days. Calls, WhatsApp messages, or SMS are not valid refund requests.
Email only: Calls, WhatsApp messages, or SMS will not be considered valid refund requests under any circumstances.
- Processing Timeline — Approved refunds are processed within 30 business days from the date of approval.
- Refund Method — Refunds are credited to the original payment method used at the time of the transaction.
- Gateway Fees Deducted — Payment gateway processing fees (typically 2–5%) are non-refundable and will be deducted from any refund amount, regardless of the refund percentage.
- Bank Processing Time — An additional 3–7 business days may be required by your bank to reflect the refund in your account.
- GST is Non-Refundable — All applicable taxes paid to the government cannot be refunded.
If you initiate a chargeback with your bank or payment provider without first requesting a refund through our designated email process:
- All ongoing services will be suspended immediately and automatically.
- You will forfeit eligibility for any refund under this policy.
- We reserve the right to pursue collection of valid fees through legal means.
- You agree to pay all collection costs, legal fees, and interest at 18% per annum if the chargeback is found unjustified.
- We may file a dispute with credit bureaus regarding the chargeback transaction.
Initiating a chargeback without following our refund process is a breach of these Terms and may result in dispute filing.
The following fees are non-refundable under all circumstances, including within the 7-day cooling-off period:
Any fee charged for document verification and authentication of your PAN, Aadhaar, and supporting documents.
Cost of obtaining your credit report(s) from Credit Report, Experian, Equifax, or CRIF High Mark on your behalf.
Any fee paid for initial or separate consultation services — non-refundable after consultation is delivered.
Fee for each dispute letter prepared and filed — non-refundable after the dispute has been filed.
Transaction fees, processing fees, and convenience charges levied by third-party payment processors.
All applicable GST and taxes paid to the Government of India. These are non-recoverable by law.
We shall not be liable for any delays or failure to perform our obligations caused by events beyond our reasonable control, including:
- Credit bureau processing times (typically documented process).
- Bank or financial institution response times.
- Postal, courier, or electronic transmission delays.
- Government orders, natural disasters, pandemics, or epidemics.
- Technical failures, internet outages, or cyber attacks.
No refunds are provided for delays caused by force majeure events. We will notify you promptly of any force majeure situation affecting your case.
If a dispute filed by us results in the removal of an item, but the same item reappears within 90 days due to no fault of yours, we will refile the dispute at no additional cost. This is our sole warranty and does not entitle you to any refund, partial or full.
This warranty applies only to items that reappear within 90 days and only when the reappearance is not caused by any action or inaction on your part.
- Governing Law — This policy is governed by the laws of India, including the Indian Contract Act, 1872 and the Consumer Protection Act.
- Mandatory Negotiation — Before initiating any legal proceedings, you agree to attempt good-faith negotiation by providing 30 days' written notice to us.
- Exclusive Jurisdiction — Any disputes shall be subject to the exclusive jurisdiction of the courts in Hirapur, Dhanbad, Jharkhand, India.
- No Class Action — You agree to resolve disputes on an individual basis and expressly waive the right to participate in any class action or representative proceeding.
In compliance with the Information Technology Act, 2000 and the Consumer Protection Act, we have designated a Grievance Officer to address your concerns regarding this policy:
For questions about this Refund & Cancellation Policy or to submit a refund request, reach out using the channels below. Remember: refund requests are only accepted via email.
A Refund Policy Built on Honesty
Every clause is designed to be fair, balanced, and compliant with Indian consumer protection law — so you always know exactly where you stand before you pay.
7-Day Full Refund Window
Cancel within 7 days with no work commenced for a Full refund — gateway fees only deducted.
Clear Request Process
A simple email-only process ensures every refund request is formally documented and traceable.
30-Day Processing Promise
All approved refunds are processed within 30 business days, credited to your original payment method.
No Hidden Clauses
Every condition is disclosed upfront. There are no surprise deductions beyond what is stated here.
90-Day Refile Warranty
If a removed item reappears within 90 days through no fault of yours, we refile at zero extra cost.
Consumer Law Compliant
This policy is drafted in compliance with the Consumer Protection Act and Indian Contract Act, 1872.
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