Refund Policy

1. Introduction

This Refund, Cancellation & Customer Agreement (“Policy”) governs the use of services offered by Maxfincare.

By subscribing to our services, you agree to this Policy along with our Terms & Conditions, Disclaimer, and FLCC Agreement.

This Policy is designed in accordance with applicable laws, including the Consumer Protection Act, 2019.

2. Nature of Services

Maxfincare provides credit education and advisory services only.

We are not a bank, NBFC, or credit bureau
We do not guarantee:
- Credit score improvement
- Loan approval
- Any specific financial outcome

All services are advisory in nature and depend on multiple external factors.

3. Independent Service Disclosure

Maxfincare operates as an independent service provider.

We do not require any tie-up or partnership with banks, NBFCs, or credit bureaus
We are not affiliated with or endorsed by any financial institution

We do not:

Access or modify credit bureau records
Influence lending decisions

All credit-related decisions are made solely by financial institutions and credit bureaus such as TransUnion CIBIL.

4. Subscription & Payment Terms

Services are offered on a subscription or package basis
Payments are collected in advance
An invoice will be issued for every successful transaction
Subscription is voluntary and based on informed consent

5. Cancellation Policy

You may request cancellation at any time by emailing services@maxfincare.com
Cancellation will be effective:
- From the next billing cycle, or
- After completion of the current service period

Cancellation requests must be submitted in writing.

6. Refund Policy

6.1 General Principle

Refunds are not automatic and are evaluated based on service delivery status, not outcomes.

6.2 Eligible Refund Cases

Refund requests may be considered in the following cases:

Non-delivery of service within 7–10 working days
Duplicate payment due to technical error
Incorrect or excess billing
Verified service deficiency after escalation

6.3 Non-Eligible Cases

Refunds will not be provided in the following situations:

Change of mind after subscription
Non-achievement of expected results
Delay due to customer non-response or incomplete information
Services already delivered (fully or partially)
Failure to read or understand policies

7. Pro-Rata Refund

If applicable, approved refunds will be processed on a pro-rata basis, after deducting:

Charges for services already delivered
Administrative and processing fees

8. Refund Request Process

To request a refund, please email:

services@maxfincare.com

Include:

Your name and registered contact details
Invoice or transaction ID
Reason for the request

9. Refund Processing Timeline

Review: 7–10 working days
Processing: 7–15 working days after approval
Refund will be credited to the original payment method

10. Escalation

If you do not receive a response within 7 working days, you may escalate your request via the same email.

11. Customer Acknowledgment

By proceeding with payment, you confirm that you have:

Read and accepted:
- Terms & Conditions
- Disclaimer
- FLCC Agreement
- This Refund Policy
Understood the advisory nature of services
Provided voluntary consent

If you do not agree, you should not proceed with payment.

12. Website Disclaimer

All content on this website is for informational purposes only and should not be considered financial or legal advice.

13. Data Protection

We are committed to protecting your data and do not share sensitive financial information such as card details or passwords with third parties.

14. Fair Usage

Only official written communication and documented policies shall be considered valid. Customers should not rely on unauthorized verbal commitments.

15. Fraud & Chargebacks

Any misuse of services, fraudulent refund claims, or unauthorized chargebacks may result in:

Suspension or termination of services
Legal action where applicable

16. Policy Updates

Maxfincare reserves the right to update this Policy at any time. Changes will be posted on this page.