Shipping & Delivery Policy

Last updated: 20 September 2026

Draft notice: This is placeholder legal copy. Cloud Home sells no physical products, so this page exists to state that plainly — it is a standard requirement for Indian payment gateway onboarding (Razorpay). It has not been reviewed by a lawyer — Minhaz should have this checked before public launch.

Cloud Home (operated under the Financial Taalim brand) is an online financial education platform. Everything we offer is delivered digitally through this website.

1. No Physical Shipping

We do not sell, ship, or courier any physical goods. There is nothing to deliver to a postal address, so no shipping address is collected at checkout, no tracking number is issued, and no shipping or handling charges are ever applied to your payment.

2. What We Deliver

Free tools and content — all calculators and blog posts are available immediately on this website, with no payment and no sign-up required.
CIBIL Analysis subscription — access to the paid CIBIL Report Analysis tool, unlocked on your account.
Analysis results — the AI-generated summary of a CIBIL report you upload, shown on screen and saved to your dashboard if you choose to save it.

3. Delivery Timeline

Paid access is activated as soon as Razorpay confirms your payment — normally within a few seconds, and in no case later than 24 hours if a payment confirmation is delayed at the bank’s end. You do not need to wait for an email before using the tool; simply refresh your dashboard.

An individual CIBIL report analysis is generated on demand once you upload your report, and typically appears on screen within a couple of minutes.

4. How Delivery Happens

Delivery is entirely through your Cloud Home account. Log in with the email address you used at checkout, and your subscription status, available credits, and saved analyses appear in your dashboard. Payment receipts are sent to that same email address.

5. If You Have Paid But Cannot Access the Service

First, make sure you are logged in with the same email address used for the payment — access is tied to the account, not to the payment method. If it is still not available 24 hours after paying, contact us through the Contact page with your Razorpay payment ID, and we will either activate your access or refund you under our Refund & Cancellation Policy.

6. Where We Deliver

Our content and tools are built for the Indian market and priced in Indian Rupees (₹). The website is accessible from anywhere with an internet connection, but payments are processed through Razorpay and may be restricted to Indian payment methods.

7. Changes to This Policy

We may update this policy as the product evolves. Material changes will be reflected by updating the “Last updated” date above.

8. Contact Us

Questions about delivery or access? Reach out via our Contact page.