Refund Policy

1. Consultation Fee (Non‑Refundable)

A nominal, one‑time Consultation Fee (₹499 – ₹999) is charged for initial case analysis, document review, and preliminary advice. This fee is non‑refundable under all circumstances, as it compensates the expert team for the time and resources already spent on your case, regardless of the final outcome.

2. Success Fee (Pay Only When You Save)

Our primary revenue is the Success Fee, which is a small percentage (10‑25%) of the total amount we save you (late fee waivers, penalty reductions, etc.). You pay this fee only after we have successfully achieved a saving. If we fail to save you any money, you owe us nothing beyond the initial Consultation Fee.

3. When a Refund of Success Fee is Possible

The Success Fee is generally non‑refundable once a settlement has been reached and the saving confirmed. However, we consider refunds on the Success Fee in the following rare cases:

• If the lender fails to honor the settlement within 30 days and we are unable to enforce it.
• If double‑payment is made by mistake (refund processed within 7 business days).
• If we explicitly guaranteed a waiver in writing and failed to deliver it.

4. No Refund in These Situations

We cannot offer refunds in the following scenarios, as they are beyond our direct control or involve client‑side actions:

• After you have approved the settlement offer and we have initiated the payment/closure process.
• If you change your mind or decide not to proceed after we have already begun negotiations.
• If the CIBIL score improvement takes longer than expected (credit bureaus operate on their own timelines).
• If you provided incorrect or incomplete information, leading to delays.
• For any service explicitly marked as “non‑refundable” in the agreement.

5. Cancellation Before Work Begins

If you wish to cancel our services before we have accessed your loan account or initiated any negotiation, you may do so by emailing support@cibilwala.com. The Consultation Fee will not be refunded, but you will not be charged any Success Fee.

6. How to Request a Refund

Send an email to support@cibilwala.com with your full name, registered phone number, and a brief explanation. Our team will review your request and respond within 3 business days. Approved refunds will be credited to the original payment source within 7‑10 business days.

7. Changes to This Policy

We reserve the right to update this refund policy. Any changes will be posted on this page with a revised "Last Updated" date. Your continued use of our services after changes indicates acceptance.

8. Contact Us

For any billing questions or refund requests, reach out anytime. We’re here to help.