Refund & Cancellation Policy

This Refund & Cancellation Policy ("Policy") applies to all payments and subscriptions made on the DIGI-LOANS platform ("DIGI-LOANS", "we", "us"). It governs: • DSA Partner subscription fees (SaaS plans, FLDG deposits, and registration charges) • Service charges and processing fees collected by DIGI-LOANS • Training, certification, and other digital services purchased on the platform Important: DIGI-LOANS operates as a Direct Selling Agent (DSA) and lead-aggregation platform. We do NOT sanction or disburse loans directly. Any refund, foreclosure, or cancellation related to a sanctioned loan is governed by the policy of the respective lending institution (Bank / NBFC) and falls outside the scope of this Policy.

Subscription fees paid by DSA Partners (monthly / quarterly / annual plans) are non-refundable once the subscription is activated and access is provisioned. • Cooling-off window: A partner may request a refund within seven (7) calendar days of payment, provided NO leads have been pushed, no FLDG deposit has been utilised, and no training certification has been issued. • Pro-rata refunds: For annual plans cancelled after the cooling-off window, an admin-discretionary pro-rata refund (minus a 15% administrative charge) may be considered, provided the partner has not violated any platform terms. • Auto-renewal: Where auto-renewal is enabled, partners may cancel from the Partner Portal → Billing tab at least 48 hours before the next renewal date to avoid the next billing cycle. No refund will be issued for an unintended renewal where cancellation occurred after the renewal trigger.

The FLDG deposit (currently ₹25,000 = ₹25 Lakhs credit limit) is a refundable security deposit and is governed by the FLDG Pool Management terms. • Refundable on de-onboarding: When a partner chooses to exit the platform, the FLDG deposit balance is refundable after a 90-day settlement window, during which all open loan applications are closed, NPA / default obligations are reconciled, and any pending payouts are cleared. • Adjustment against defaults: DIGI-LOANS reserves the right to adjust the FLDG balance against any partner default, NPA contribution, or chargeback as per the FLDG Pool agreement signed at onboarding. • Refund timeline: Once the settlement is complete, the residual FLDG balance is credited to the partner's registered bank account within 7-15 business days.

Processing fees, login fees, technology charges, and any service-specific fees collected by DIGI-LOANS (separate from those collected by the lender) are non-refundable once the corresponding service has been rendered. • Pre-disbursement cancellation: If a loan application is withdrawn by the customer BEFORE the lender has commenced processing (e.g., before document verification), the technology / processing fee paid to DIGI-LOANS may be refunded at the platform's discretion within 14 business days. • Post-disbursement: No refund of platform charges is available once the loan has been sanctioned and disbursed by the lender. Lender-side foreclosure or part-payment is governed by the lender's policy. • Failed transactions: For payments where money was debited from your account but the transaction did NOT succeed on DIGI-LOANS, the amount is auto-reversed to the source account within 5-7 business days by the payment gateway. If not received within this window, please contact us.

Charges paid for training sessions, certifications, or webinars are governed as follows: • Pre-session cancellation (≥24 hours before scheduled time): 100% refund or one-time reschedule to a future batch. • Late cancellation (<24 hours before scheduled time): 50% refund OR free reschedule, at partner's choice. • No-show: No refund is available for a session missed without prior intimation. The session may be rescheduled at the platform's discretion with a 25% administrative fee. • Completed certifications: Certifications issued after course completion are non-refundable.

To raise a refund or cancellation request, please follow these steps: 1. Email us at operation@digi-loan.com from your registered email address with the subject line: "Refund Request – [Partner Code / Application ID]". 2. Include the following in your request: • Full name and registered mobile number • Partner code / application ID • Transaction reference / payment ID • Reason for the refund / cancellation • Bank account details for refund credit (account holder name, bank, account number, IFSC) 3. Acknowledgement: We will acknowledge your request within 2 business days and provide a ticket number. 4. Resolution: Eligible refund requests are processed within 7-14 business days from acknowledgement. The refund will be credited to the original payment source wherever feasible; otherwise to the registered bank account. 5. You may also raise a grievance via our Grievance Redressal Officer if you are unsatisfied with the resolution.

The following are strictly non-refundable: • KYC verification charges (PAN, Aadhaar, CIBIL pull) – paid to third-party verification services and consumed at the time of request. • Bureau pull / credit-score check charges (CIBIL, Experian, CRIF Highmark, Equifax) – levied per pull by the bureau. • Stamp duty, statutory levies, and government charges collected on behalf of regulators. • Charges for completed loan disbursals where the lender's policy applies. • Promotional credits, complimentary subscriptions, or gifted plans – have no cash-equivalent value.

If you believe a transaction is unauthorised, please contact us within 30 days of the transaction date. We work directly with the payment gateway (Stripe / Razorpay) to investigate. • Frivolous chargebacks raised without first contacting our support team may result in suspension of the partner account pending investigation. • If a chargeback is decided in our favour, the disputed amount along with chargeback fees may be debited from the partner's FLDG balance or future payouts. • Genuine fraud or unauthorised access: Refunds are issued in full once the gateway confirms the dispute.

Foreclosure of a sanctioned loan, part-payment, EMI rescheduling, loan account closure, or related refunds are NOT governed by this Policy. They are governed entirely by the policy of the respective Bank / NBFC that has sanctioned the loan. To raise such a request, please contact the lender's customer care directly. DIGI-LOANS' support team can assist by providing the lender's grievance contact details on request.

DIGI-LOANS reserves the right to amend this Refund & Cancellation Policy at any time. Material changes will be notified via: • Email to all registered partners • Dashboard banner on next login • Update of the "Last updated" date at the bottom of this page Continued use of the platform after the effective date of any update constitutes acceptance of the revised Policy.