Refund & Cancellation Policy

1. What This Policy Covers

All calculators, tools, and blog content on Cloud Home are free and involve no payment, so nothing on this page applies to them. This policy covers only our paid features — the CIBIL Report Analysis subscription and any prepaid analysis credit packs, both billed through Razorpay.

2. Cancelling a Subscription

You can cancel your CIBIL Analysis subscription at any time before the next billing date — from your dashboard, or by writing to us through the Contact page. On cancellation:

• No further payments are taken from the next billing cycle onwards.
• Your access continues until the end of the period you have already paid for — cancelling does not cut off access immediately.
• Cancellation on its own is not a refund. Whether the current period is refundable is covered in Section 3.

3. When You Can Get a Refund

We will refund your payment in full in these cases:

• Duplicate or double charge — you were billed more than once for the same subscription period or credit pack.
• Payment succeeded but access was not granted — money left your account but your subscription or credits were never activated.
• The service failed on our side — your CIBIL report could not be analysed because of a fault in our system, and we are unable to fix it for you.
• Unused subscription — you cancel within 7 days of the charge and have not run a single CIBIL analysis in that billing period.

4. When a Refund Is Not Available

• Analyses that have already been generated and delivered to you. Each analysis costs us AI processing at the moment you run it, so a completed analysis cannot be refunded.
• Partly used credit packs — credits already consumed are not refundable, though unused credits may be considered under Section 3 within the 7-day window.
• Dissatisfaction with the content of an analysis. The summary is AI-generated educational guidance, not a promise of a particular CIBIL score, loan approval, or financial outcome.
• Accounts suspended or terminated for violating our Terms & Conditions, including fraudulent payment activity.

5. How to Request a Refund

Write to us through the Contact page using the email address registered on your account, and include the Razorpay payment ID or order ID, the date of the charge, and a short description of the problem. We aim to respond to every refund request within 2 working days.

6. How Refunds Are Processed

Approved refunds are issued through Razorpay to the original payment method — the same card, UPI ID, or bank account used at checkout. We cannot send a refund to a different account, and we do not issue refunds in cash.

Once approved, we initiate the refund immediately. It typically reaches your account in 5–7 working days, depending on your bank or payment provider. That final leg of the timeline is controlled by your bank, not by us.

7. Failed Payments & Money Debited Without Confirmation

If money was debited but the payment shows as failed, it is usually an authorisation that was never captured, and your bank reverses it automatically — generally within 5–7 working days. If it has not reversed after that, contact us with the payment details and we will take it up with Razorpay.

8. Changes to This Policy

We may update this policy as our paid features evolve. The terms that apply to your purchase are the ones published on this page at the time you paid. Material changes will be reflected by updating the “Last updated” date above.

9. Contact Us

Questions about a charge, a cancellation, or a refund? Reach out via our Contact page.