top of page

Cancellation & Refund Policy

Effective Date: 18th April 2025
 

GoCredit, 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, and this Cancellation & Refund Policy outlines the rights and process for customers who wish to cancel their subscriptions and request a refund.
 

 

1. Subscription Model Overview
 

GoCredit is a subscription-based service, where users pay a monthly fee to access premium features, including:
 

  • Advanced credit score tracking and monitoring
     

  • Credit improvement tools and actionable insights
     

  • AI-based personalized loan offers
     

  • Real-time updates on credit activity
     

Subscription payments are collected via our secure payment gateway partner, Razorpay.
 

 

2. Cancellation Policy
 

We understand that sometimes users may change their minds. That’s why we offer a 24-Hours cancellation window from the time of payment.
 

Key Terms:
 

  • Cancellation requests must be made within 24 hours of successful payment.
     

  • Cancellations can be initiated by contacting our support team via:
     

  • Please include your registered mobile number, transaction ID, and reason for cancellation in your message to help us process your request quickly.
     

  • In case of successful bureau pull and data report shared with user over app and email (pdf copy), cancellation will remain invalid under any circumstances.
     

 

3. Refund Policy
 

If the cancellation request is made within the 24-Hours window, users are eligible for a full refund of the subscription amount paid.
 

Refund Details:
 

  • Refunds will be processed through the same payment method used during the transaction.
     

  • The refund will be initiated only after verifying the payment and confirming the eligibility.
     

  • Refunds will be credited within 7 working days from the date of approval.
     

  • You will receive an email or WhatsApp confirmation once the refund is successfully processed.
     

 

4. Non-Refundable Scenarios
 

To ensure fair use of our service, refunds will not be applicable in the following cases:
 

  • Cancellation requests made after 24 Hours of subscription payment.
     

  • Users who have utilized or accessed premium features, such as:
     

    • Viewing personalized loan offers
       

    • Accessing credit improvement tools
       

    • Downloading/refreshing credit reports
       

  • Duplicate payments (unless confirmed by Razorpay and verified by our team).
     

  • Issues arising from user device limitations, internet issues, or external technical constraints not attributable to GoCredit.
     

 

5. Disputes or Escalations
 

In case of any disagreement, users may escalate the matter by writing to our grievance team at:

📧 Email: support@gocredit.money

Subject line: Refund Escalation – [Your Registered Mobile Number]
 

Our team will respond within 3 working days and aim to resolve any disputes as fairly and transparently as possible.
 

 

6. Changes to This Policy
 

GoCredit reserves the right to amend or update this policy at any time. Any changes will be posted on this page with a revised effective date. We encourage users to review this policy periodically to stay informed.
 

 

Need Help?
 

We're here for you!

For questions related to subscriptions, payments, cancellations, or refunds, reach out to us anytime:

📧 Email: support@gocredit.money
📱 WhatsApp: +91-8792934270

bottom of page