Refunds & Cancellation Policy

Last updated: 22 July 2026

Confirm before going live: the refund window and pro-rata stance below are a reasonable default, not a legal requirement. Adjust the highlighted periods to match the policy you intend to honour — Razorpay checks that your stated policy matches your actual practice.

Cancelling your subscription

You can cancel at any time from Plan → Cancel plan in the CreditSaathi app. No phone call or email is required.

Cancellation takes effect immediately for future billing: your UPI AutoPay mandate is stopped and no further amount is debited. You keep access to Premium features until the end of the period you have already paid for.

You can also revoke the AutoPay mandate directly in your UPI app. Doing so stops future debits but does not by itself close your CreditSaathi account.

Refunds

Situation	Outcome
Duplicate or repeated charge for the same period	Full refund of the duplicate amount
Charged after you cancelled	Full refund of that charge
Service not delivered due to a fault on our side	Full refund for the affected period
Request within 7 days of a first-time purchase	Full refund on request
Cancelling part-way through a paid period	No pro-rata refund; access continues until the period ends

How to request a refund

Email info@arhamfintech.ai or call +91 81048 65652 with your registered mobile number and the payment reference. We acknowledge refund requests within 2 business days. Full details are on our Contact page.

How refunds are paid

Approved refunds are issued to the original payment method through our payment partner. Once processed, the amount typically reaches your account within 5–7 business days, depending on your bank or UPI provider.

What is not refundable

We do not refund on the basis that your credit score did not improve. CreditSaathi is an educational service and, as stated in our Terms, we do not guarantee any change to your credit score — that outcome is decided by credit bureaus and lenders.