No Refund Policy

This No Refund Policy applies to subscription fees paid to Capora Fintech Private Limited ("Capora") for our credit score improvement platform. Capora does not disburse loans or issue insurance products — this policy therefore covers only Capora's own subscription charges. Subscription fees are non-refundable once charged. For charges related to any loan or insurance product obtained via a partner referral, please contact that partner directly.

You may cancel your Capora subscription at any time.

How to Cancel:

• Go to Account Settings → Subscription → Cancel Plan in the app, or
• Email support@capora.in from your registered email address with the subject line "Subscription Cancellation Request"

Effect of Cancellation:

• Your subscription will remain active until the end of the current billing period for which you have already paid
• No further charges will be made after the current billing period ends
• Access to subscription features (credit report, dashboard, recommendations) will continue until the end of the paid period
• After the billing period ends, your account will revert to a free/limited access state

Non-refundable charges include, without limitation:

• Cancellation after activation or during an active billing period
• Unused or partially used subscription time
• Subscription renewal charges after the billing date has passed
• Dissatisfaction with credit score outcomes, recommendations, or results
• Charges where the account is suspended or closed for a Terms of Service violation
• Taxes and payment gateway charges, to the extent permitted by applicable law

If you believe you have been charged incorrectly or twice for the same period:

• Notify us at support@capora.in within 30 days of the charge, with your transaction reference number and registered mobile number
• Our team will acknowledge your request within 2 business days
• Upon verification, confirmed erroneous charges will be reversed or adjusted within 7 business days to the original payment source

Capora's loan and insurance referral service is free of charge to you. We earn a referral fee from the respective partner upon successful conversion. Therefore:

• There is no fee paid by you to Capora for referral services, and no refund applies to the referral service itself
• If you have paid any processing fee, stamp duty, or insurance premium directly to a partner after being referred, those charges are governed by that partner's own refund policy — Capora has no authority over partner charges

1. Submit your billing dispute to support@capora.in with: registered name and mobile number, subscription / transaction ID, reason for dispute, and supporting evidence (screenshot, bank statement)
2. Acknowledgement within 2 business days
3. Review and decision within 5 business days of receiving all required information
4. If a duplicate or erroneous charge is confirmed, the charge will be reversed or adjusted to the original payment source within 7 business days
5. Additional 2–3 business days may be required for bank/payment gateway processing

Capora subscriptions auto-renew at the end of each billing cycle. You will receive a reminder notification 3 days before renewal. To prevent renewal, cancel your subscription before the billing date via the app or by emailing support@capora.in. Charges already processed are non-refundable.