Return Policy

CREDIZEN Financial Services provides intangible, professional credit repair and advisory services delivered entirely in digital form. Because our services involve professional time, expertise, and third-party filings that cannot be "returned" or "undone" once initiated, this Return Policy explains how we handle service cancellations, service failures, and client dissatisfaction.

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1. Cancellation Before Service Initiation

If you wish to cancel your order before CREDIZEN has initiated any work on your case (typically within 48 hours of purchase), you are entitled to a full refund less payment gateway charges. Please refer to our Refund Policy for the complete refund schedule.

2. Service Not Delivered as Described

If CREDIZEN fails to perform the agreed service in the manner described at the time of purchase, you may raise a service complaint. We will:

• Investigate your complaint within 5 business days.
• Re-perform the service at no additional cost if the original service was not delivered correctly.
• Offer a partial or full refund if re-performance is not possible, at our discretion.

3. Bureau or Lender Rejection

Credit bureaus and lenders may reject correction requests for various reasons, including insufficient supporting documentation or their internal policies. If a request is rejected:

• CREDIZEN will advise you on the rejection reason and available next steps.
• We will refile with stronger documentation at no additional charge (up to 2 refiling attempts per case).
• Bureau or lender rejection does not constitute a service failure on CREDIZEN's part and does not automatically entitle you to a refund.

4. Duplicate Orders

If you have accidentally placed a duplicate order for the same service, please contact us at support@credizen.in within 24 hours of the duplicate transaction. We will cancel the duplicate and issue a full refund for it.

5. Failed Transactions

If a payment is debited from your account but the order is not confirmed on our system, please contact us within 48 hours with your bank reference number. We will verify and either confirm the order or initiate a full refund within 5–7 business days.

6. How to Raise a Service Concern

1. Email support@credizen.in with subject: "Service Concern – [Order Number]".
2. Include your full name, registered mobile, order number, and a description of the issue.
3. Attach any supporting evidence (screenshots, letters, bureau responses).
4. Our team will acknowledge within 24 hours and aim to resolve within 7 business days.

7. Escalation

If your concern is not resolved to your satisfaction within 7 business days, you may escalate to our Grievance Officer at grievance@credizen.in. We are committed to fair resolution of all client concerns.