Cancellation & Refund Policy
Here is the updated Cancellation & Refund Policy for GoCredit, revised to reflect the new rules effective 29th July 2025:
Effective Date: 29th July 2025
GoCredit is a fintech solution owned and operated by Vijayalakshmi Technology Infinity NKB Private Limited.
We offer a monthly subscription model through our mobile app, helping users manage their credit, boost their credit scores, and discover the best and most affordable loan offers — all in one place.
We strive to provide complete transparency. This Cancellation & Refund Policy outlines the terms, rights, and process for customers who wish to cancel their subscriptions or request a refund.
1. Subscription Model Overview
GoCredit operates on a monthly subscription basis. By subscribing, users get access to premium services, including:
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Advanced credit score tracking and monitoring
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Credit improvement tools and actionable insights
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AI-based personalised loan offers
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Real-time updates on credit activity
Payments are collected via our secure payment partner, Razorpay, through UPI Autopay or card-based recurring mandates.
2. Cancellation Policy (Updated)
All users are required to cancel their subscriptions before the next billing date to avoid being charged.
Key Terms:
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Once the payment is auto-debited (autopay successful), it will be considered as consent to continue the service.
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No cancellation requests will be entertained after a successful payment unless explicitly covered under the refund policy below.
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Users can cancel the subscription directly from their UPI app or Razorpay mandate dashboard.
For help with cancellation, contact us at:
📧 Email: support@gocredit.money
📱 WhatsApp: +91-8792934270
3. Refund Policy (Updated)
As a policy, no refunds will be processed after a successful payment, except under the following condition:
✅ Eligible for Refund:
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If the credit bureau fetch fails and no report is generated (as per GoCredit’s system logs), the user will be eligible for a full refund.
🚫 Not Eligible for Refund:
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If the bureau fetch is successful (report fetched and/or shown on app/email), refund will not be processed.
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Once the subscription is auto-renewed successfully, and services are considered accessed, refunds will not be entertained under any circumstances.
Refund Process (if applicable):
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Will be processed to the original payment method within 7 working days from approval.
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Confirmation will be sent via email or WhatsApp.
4. Non-Refundable Scenarios
Refunds are not applicable in the following situations:
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Payment was auto-debited and subscription was not cancelled beforehand.
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Bureau report was successfully fetched.
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Premium features (like pre-approved offers, report access, score insights) were accessed.
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Issues due to user device, network, or external technical reasons.
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Duplicate payments (unless verified and confirmed by Razorpay and GoCredit team).
5. Disputes or Escalations
To raise a dispute, please email:
📧 support@gocredit.money
Subject line: Refund Escalation – [Your Registered Mobile Number]
We aim to respond within 3 working days and will ensure a fair and transparent resolution.
6. Policy Updates
GoCredit reserves the right to amend this policy at any time. Updated versions will carry a new effective date and will be posted on our platform.
Need Help?
We're here to support you:
📧 Email: support@gocredit.money
📱 WhatsApp: +91-8792934270