Refund Policy

When a refund applies

A refund applies in either of these situations:

• We are unable to resolve the case.
• The case is still unresolved after roughly 45 days and you choose not to continue.

No deadline to request one

There is no fixed deadline for requesting a refund. If your case has not been resolved, you may raise a refund request at any point.

Case handling charge and refund amounts

A case handling charge is retained to cover the work already carried out on your case. Everything beyond that charge is returned to you. The amounts are fixed and published in advance:

• Individual plan (Rs 7,999) — case not resolved: Rs 2,500 retained as case handling charge, Rs 5,499 refunded.
• Combo plan (Rs 12,999) — one report unresolved: Rs 2,500 retained on that report, Rs 4,000 refunded.
• Combo plan (Rs 12,999) — both reports unresolved: Rs 5,000 retained, Rs 8,000 refunded.
• Commercial plan (Rs 14,999) — case not resolved: Rs 7,000 retained as case handling charge, Rs 7,999 refunded.

Where a refund calculation produces a fraction of a rupee, the amount is rounded up to the next whole rupee in your favour.

How refunds are paid

Approved refunds are issued within 3 to 5 business days of approval.

• Money is returned only to the original source of payment — the same UPI ID or bank account the payment came from.
• We do not redirect refunds to a different account, UPI ID, or person.
• We accept online payments only. Cash is not accepted, and no cash refunds are issued.

How to request a refund

Email info@smartcreditgrow.com or use our contact page with your name, your plan, and your case reference. Your Relationship Manager will confirm the case status and the applicable refund amount before processing.

Questions about refunds

For refund questions, email info@smartcreditgrow.com or submit a message through our contact page. Include your name and the date you enrolled.