Cancellation & Refund Policy

EazyMoney is owned and operated by Chavda Visa And Immigration Consultants. We operate strictly as an authorized Direct Selling Agent (DSA) and Referral Partner (RA) connecting prospective borrowers with Reserve Bank of India (RBI) regulated Banks and Non-Banking Financial Companies (NBFCs). 1. Free Services: All loan search tools, eligibility estimators, EMI calculators, educational content, loan comparisons, and referrals to partner lending institutions are provided completely FREE of charge. EazyMoney NEVER charges or solicits any upfront fee, commission, deposit, or processing fee for loan sanction, approval, or disbursement. 2. Paid Digital Advisory Product: The only commercial service offered on this platform is the optional Credit Improvement Plan (standard fee of ₹199, inclusive of all applicable taxes). This is an educational, customized digital report comprising debt inventory worksheets, repayment optimization algorithms, and statutory bureau dispute templates. This policy applies exclusively to payments made for this digital advisory service.

We are committed to delivering immediate, reliable value to every customer who requests our Credit Improvement Plan: • Instant Digital Access: Upon successful payment verification through our authorized payment gateway (Razorpay), your customized 90-day plan is generated immediately and made accessible directly within your browser for online viewing and PDF download. • Automated Email Delivery: A high-resolution copy of your Credit Improvement Plan PDF, along with a secure personalized access link and tax invoice, is dispatched to your verified email address simultaneously. • Our 100% Delivery Guarantee: If we fail to deliver your Credit Improvement Plan to your verified email or make it accessible on the platform within 24 hours of verified payment due to any technical fault or system error on our part, we will issue an unconditional 100% full refund of ₹199.

A customer is eligible for a full refund under the following verifiable conditions: 1. Non-Delivery of Digital Plan: Your payment was captured and debited, but the Credit Improvement Plan was neither received via email nor accessible through the digital download portal within 24 hours of payment, and our support desk was unable to manually fulfill the document upon notification. 2. Duplicate or Multiple Charges: Due to network instability, payment gateway latency, or inadvertent repeated submissions, your account was debited more than once for the same order reference or enquiry ID. All duplicate transactions will be verified and refunded in full. 3. Payment Debited for a Failed Transaction: Your bank or UPI account was debited, but the transaction was flagged as 'failed' or 'pending' by the payment gateway and no order confirmation or plan was generated. While such debits are usually auto-reversed by your issuing bank within standard clearing cycles, EazyMoney will coordinate with the payment aggregator to ensure full reconciliation and reversal upon notice. 4. Defective or Corrupt Digital Asset: In the rare event that the generated PDF document is damaged, blank, unreadable, or corrupted due to server-side compilation errors, and our technical support team is unable to provide a functional, corrected replacement within 24 hours of receiving your support ticket.

Due to the immediate consumption nature of digital informational goods and automated software services, refunds CANNOT be granted in the following circumstances: 1. Successful Plan Delivery & Access: Once the customized Credit Improvement Plan has been successfully generated, emailed to the customer, and made available for viewing/downloading, the service is deemed completely fulfilled. Because digital PDF downloads and proprietary advisory roadmaps cannot be 'returned' or unread, standard change-of-mind refund requests cannot be entertained post-fulfillment. 2. Loan Application Decisions by Lenders: EazyMoney is an intermediary (DSA / RA), NOT a lender. The ₹199 fee is strictly an educational assistance fee for credit wellness analysis and dispute guidance. It is NOT a loan approval charge, guarantee, or security deposit. Any loan rejection, sanction denial, interest rate variation, processing fee assessment, or turnaround delay by an independent Bank or NBFC does NOT entitle the customer to a refund of the credit plan fee. 3. Inaccurate Information Submitted by the User: Your personalized roadmap is synthesized automatically from self-reported data (credit score band, active accounts, card usage ratio, debt objectives). If you provided incorrect or fictional inputs during the guided assessment, a refund will not be granted. However, you may contact contact@eazymoney.space to request a one-time corrected regeneration with accurate details at no extra charge. 4. Untraceable or Unsubstantiated Claims: Refund claims where the claimant cannot provide a valid Razorpay Payment ID, transaction reference, or registered email address matching our verified transaction records cannot be processed.

To initiate a refund request under an eligible condition, follow these straightforward steps: 1. Initiate Request: Send an email from your registered email address to contact@eazymoney.space. 2. Subject Line Format: Use the subject: 'Refund Request - [Your Order Reference / Provider Order ID] - [Registered Email]'. 3. Required Information: Please include the following details in your email: • Full Name of the Customer • Registered Email Address and Mobile Number • Razorpay Payment ID (starts with 'pay_') or Order Reference Number • Date and approximate time of the transaction • Clear explanation of the issue (e.g., non-delivery after 24 hours, duplicate debit screenshot) • Bank statement excerpt or UPI debit reference showing the deduction (in case of double charges) Do NOT include confidential passwords, internet banking credentials, or card CVVs in your correspondence.

We handle all refund requests with utmost speed and fairness: • Acknowledgment: Our customer support desk will acknowledge your refund request within 24 to 48 business hours of receipt. • Verification & Review: Our compliance and accounts desk will examine payment gateway logs, delivery server records, and database timestamps. We aim to complete this review within 3 to 5 business days. • Approval & Initiation: Once approved, the refund instruction is initiated immediately through our PCI-DSS compliant payment gateway (Razorpay). • Mode of Reversal: In compliance with banking regulations and RBI guidelines, refunds are strictly credited back to the original payment source (same UPI handle, bank account, debit card, or credit card from which the payment originated). We do not issue cash refunds or third-party bank transfers. • Bank Settlement Time: Depending on your financial institution and the payment mode utilized, the refunded amount will reflect in your account within 5 to 7 business days from initiation: • UPI Payments: Typically 1 to 2 business days. • Net Banking: 2 to 4 business days. • Debit / Credit Cards: 5 to 7 business days, subject to your card issuer's billing cycle.

• Pre-Payment Cancellation: If you decide not to proceed with the Credit Improvement Plan prior to entering payment details, you may simply exit the checkout window. No fee is levied, and your loan enquiry remains completely accessible. • Post-Payment Cancellation: Because our digital generation engine automatically processes your profile and compiles your personalized PDF roadmap within seconds of payment capture, cancellations cannot be processed once payment has been authorized and document generation has begun.

We urge customers to contact our support team at contact@eazymoney.space before initiating an external payment dispute, bank chargeback, or UPI grievance. We take customer satisfaction seriously and will swiftly resolve any genuine non-delivery or duplicate charge without the need for cumbersome bank interventions. Please note that initiating fraudulent chargebacks or filing false claims for services that have been demonstrably delivered and downloaded may result in the suspension of platform access, and all relevant delivery logs, cryptographic signatures, and IP audit trails will be submitted to the acquiring bank and payment network during dispute arbitration.

If your refund request has not been addressed within the committed timelines, or if you are dissatisfied with our resolution, you may escalate your matter directly to our Nodal Grievance Officer: Entity: Chavda Visa And Immigration Consultants (EazyMoney) Designation: Nodal Grievance & Compliance Officer Jurisdiction: Operational Head Office, Gujarat, India Email: contact@eazymoney.space (Mark Attention: 'Grievance Officer - Refund Escalation') Working Hours: Monday to Friday, 10:00 AM to 6:00 PM IST (Excluding Bank & Gazetted Holidays) We commit to acknowledging all escalations within 48 hours and furnishing a final written resolution within 15 working days.