Cibilwala Cancellation Policy for Loan Settlement Services

1. Overview

This Cibilwala cancellation policy for loan settlement services applies to all clients who have engaged us for loan settlement, EMI bounce reduction, CIBIL score repair, or legal notice assistance. We believe in complete transparency, which is why we’ve laid out every detail you need to know about cancelling a service you’ve subscribed to.

2. When You Can Cancel

You have the right to cancel your engagement with Cibilwala at any time. However, the refund and fee structure depends on the stage of work completed:

• Within 24 hours of payment – Full refund of any success fee (if no work has commenced).
• After case analysis has started – The consultation fee is non‑refundable, but any unearned success fee is refundable proportionally.
• After settlement offer received – No refund of success fee, as we’ve already delivered the benefit.

3. Non‑Refundable Items

The one‑time consultation fee (₹499–₹999) is non‑refundable once paid, as it covers the initial case review, document verification, and preliminary negotiations. Similarly, any third‑party expenses incurred on your behalf (e.g., legal stamp paper, courier charges) are not refundable.

4. Cancellation Process

To initiate cancellation, simply reach out to us via WhatsApp, email, or phone. You’ll receive a cancellation confirmation within 12 hours. The timeline for refund processing (if applicable) is 5‑7 business days from the date of cancellation approval.

5. Refund Eligibility & Calculation

If you cancel after we have begun work but before a settlement offer is secured, we calculate the earned portion of the success fee based on the work completed. You will receive a refund of the unearned portion, less any non‑refundable consultation fee and expenses. For example, if 40% of the negotiation work is done and you cancel, we retain 40% of the success fee and refund 60%.

6. Service‑Specific Conditions

Different services have slightly different cancellation logic:

• Loan Settlement – The success fee is fully earned once we secure a written settlement/waiver confirmation from your lender.
• EMI Bounce Reducer – If we have successfully restructured your EMI dates or stopped auto‑debit bounces, the success fee is non‑refundable.
• CIBIL Score Repair – Once disputes are filed with CIBIL, the success fee (if any) becomes non‑refundable, as we cannot reverse the filing.

7. How to Cancel (Step‑by‑Step)

Cancelling is easy and doesn’t require any complicated paperwork:

• Step 1: WhatsApp us at +91 98398 14254 or email support@cibilwala.com with your case ID and reason for cancellation.
• Step 2: Our team will verify your identity and confirm the stage of your case.
• Step 3: You’ll receive a final statement showing any refund due (or confirmation that no refund is applicable).
• Step 4: Refund (if any) is processed to your original payment method within 5‑7 working days.

8. Late Cancellation & Abandonment

If you do not communicate with our team for more than 30 consecutive days without a valid reason, your case may be considered abandoned. In such cases, all fees paid are deemed earned, and no refund will be processed. We encourage you to stay in touch if you face any personal difficulties.

9. Force Majeure

In circumstances beyond our control (natural disasters, government actions, etc.), any pending work may be delayed. If such an event makes it impossible for us to deliver the service, you will receive a full refund of any unearned fees.

10. Changes to This Cancellation Policy

We may update this Cibilwala cancellation policy for loan settlement services from time to time. The latest version will always be posted on this page with a "Last Updated" date. Continued use of our services after changes implies acceptance.

11. Contact Us

If you have any doubts or wish to cancel, please don’t hesitate. We’re here to help.