Refund policy

1. Legal Nature & Applicability

This Cancellation & Withdrawal Policy (“Policy”) shall apply to the services available on the RAJMONEY digital platform, loan applications, offers, acceptance, disbursement and all related processes.
This policy:

• One contractual document Is, is subject to Indian laws, and On all Users/Borrowers Binding Will happen.

Using RAJMONEY is a guarantee of this policy. Voluntary, complete and unconditional acceptance Will be considered.

2. Company Regulatory Clarification

It is clarified that:

• Rajmoney Private Limited Only Ministry of Corporate Affairs (MCA) is registered with ;
• Company Reserve Bank of India (RBI) is not registered with ;
• Company Non-Banking Financial Company (NBFC) Not there ;
• All loans are for the company only. own funds are given on a private and selective basis.

3. Pre-disbursement Cancellation

Borrower Loan Application Before Disbursement may request cancellation, provided that:

• Loan amount credited to the borrower's bank account has not been credited, and
• No irreversible services (KYC, verification, risk assessment, technology processes) It may not have been completed.

Important: Once any type of digital/processing service is launched , the related Any fees will not be refundable.

4. Disbursement Cancellation

Once the loan amount is credited to the borrower's bank account If successfully credited, then:

• To the loan Cannot be cancelled or withdrawn ;

The Borrower must only:

• As per the applicable conditions repayment, or
• Foreclosure/prepayment option will be available.

will the loan be considered “cancelled” after disbursement.

5. Cooling-off / Free Look

To the extent permitted by applicable law, the Company Sole Discretion Can provide limited cooling-off facility.

This feature:

• Borrower's No rights,
• Rather, the company's policy flexibility Will happen.

Under Cooling-Off, the Borrower must:

• The entire loan amount
• Applicable interest, And all the fees have to be paid within the stipulated time.

6. User Withdrawal From Platform

The Borrower/ User may request withdrawal from the Platform, but:

• If any loan account is Active/Outstanding, then The account will not be closed;
• Withdrawal will not be valid without clearing all dues .

Data retention will continue in accordance with applicable laws.

7. Company's Right To Cancel / Reject

The Company reserves the right to:

• For any loan application,
• At any stage,
• Without reason

Cancel or reject the application on the following grounds:

• False or misleading information,
• Incomplete documentation,
• Fraud or risk signals,
• Internal policy or legal reasons.

8. No Cash Cancellation / No Cash Refund

RAJMONEY A 100% digital platform Is.

• Any kind of Cash cancellation,
• Or Cash refund is strictly prohibited.

All processes will be done through authorized digital medium only.

9. Fraud, Abuse & Misuse

If it is found that:

• Cancellation/Withdrawal Request is done for the purpose of fraud, coercion, or abuse of the system ,So:
• The request may be rejected, and
• To the company civil and/or criminal action Will have the right to.

10. Effect Of Cancellation / Withdrawal

Any cancellation or withdrawal:

• Legal rights of the company,
• Record Retention,
• Recovery rights,
• Or amounts payable will not affect the.

11. Governing Law & Jurisdiction

This policy will be governed by the laws of India. Jaipur, Rajasthan The courts of will have exclusive jurisdiction over it.

Final Acknowledgement

By using the RAJMONEY Platform, the Borrower acknowledges that:

• Has read and understood this Cancellation & Withdrawal Policy;
• Is fully aware of the MCA-only, Non-RBI, Non-NBFC status of the Company;
• Has accepted these conditions voluntarily, without any pressure.