Wanfair Micro Finance Private Limited (“we”, “us” or “our”) is committed to providing transparent and professional CIBIL/credit profile assistance services to its customers. This Refund Policy applies only to the amount paid by the customer for CIBIL/credit profile related services.

1. Scope of This Policy

This Refund Policy applies exclusively to fees paid for services such as:

• CIBIL/credit report assistance
• Credit profile review
• Credit score improvement assistance
• Credit report correction/dispute assistance
• Credit-related consultation and support

2. Refund Eligibility

A customer may request a refund of the CIBIL service amount if:

• The requested CIBIL service has not yet been initiated, and
• The refund request is made within the applicable refund period specified by the Foundation.

Once the service has been initiated, processed, or work has been performed on behalf of the customer, the CIBIL service fee may become non-refundable.

3. Non-Refundable Situations

The CIBIL service amount will generally not be refundable where:

• The customer has provided incorrect or incomplete information.
• The customer has voluntarily cancelled the service after processing has started.
• Documents or information required from the customer have not been provided.
• The service has already been completed or substantially performed.
• The customer expects a guaranteed increase in CIBIL/credit score.
• The customer expects removal of genuine or legally reported credit information.

4. Refund Request

For requesting a refund, the customer must contact us through our official customer support channel and provide:

• Customer Name
• Registered Mobile Number
• Transaction/Payment Reference
• Date of Payment
• Reason for Refund Request

The request will be reviewed according to the applicable service terms and this Refund Policy.

5. Refund Processing

If a refund is approved, the eligible amount will normally be processed through the original payment method used by the customer, subject to applicable payment gateway/banking procedures.

The processing time may vary depending on the payment service provider or bank.

6. Loan EMI – Important Clarification

7. No Guarantee of Credit Score

Credit scores are determined by the relevant credit information company based on credit history and other applicable factors. Our services are intended to provide assistance and guidance only.

We do not guarantee:

• A particular CIBIL score
• A fixed increase in credit score
• Loan approval
• Credit card approval
• Removal of genuine/default credit entries

8. Policy Changes

Wanfair Micro Finance Private Limited reserves the right to update or modify this Refund Policy from time to time. The updated policy will be published on the official website.

9. Contact Us

For CIBIL Service Refund Queries:

Please mention “CIBIL Refund Request” in the subject/message while contacting us.

Last Updated: 24-10-2024