Refund policy

The principle

We are paid for preparing documents, advising on structure and pursuing applications on your behalf. Once that work has been performed, the fee for it has been earned — regardless of whether the lender or authority ultimately sanctions the proposal.

Sanction decisions are made by third parties on their own criteria. A decline is not, by itself, a ground for refund.

When a refund applies

• If you cancel before any work has commenced, the amount paid is refunded in full
• If you cancel after work has commenced but before delivery, we refund the balance after deducting a fair charge for work already performed, calculated on the stage reached
• If we are unable to deliver the agreed service for a reason attributable to us, the amount paid for the undelivered portion is refunded in full
• If a duplicate or excess payment has been made, the excess is refunded in full

When a refund does not apply

• The application is declined, returned or kept pending by a lender, department or sanctioning authority
• A subsidy or guarantee claim is rejected on grounds outside our control, including conditions the client was required to meet directly
• Information or documents supplied to us were inaccurate, incomplete or not genuine
• The client discontinues the process, stops responding, or does not provide documents needed to proceed
• Statutory fees, portal charges, government fees or third-party charges have already been paid on your behalf — these are non-refundable in all cases
• The agreed deliverable has been provided

How to raise a request

Write to hello@finswitch.in with your name, business name, the service engaged, the payment reference and the reason for the request. We acknowledge requests within three working days and aim to conclude them within fifteen working days.

How refunds are paid

Approved refunds are made to the original payment method or bank account from which payment was received. Processing time depends on your bank and is typically seven to ten working days after approval.

Disputes

If you are not satisfied with the outcome of a refund request, write to us again marking the message for escalation. We would rather resolve it directly than have either side pursue it elsewhere.