Cancellation & Refund Policy
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:
- Advanced credit score tracking and monitoring
- Credit improvement tools and actionable insights
- AI-based personalised loan offers
- 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
All users are required to cancel their subscriptions before the next billing date to avoid being charged.
Key Terms:
- Once the payment is auto-debited (autopay successful), it will be considered as consent to continue the service.
- No cancellation requests will be entertained after a successful payment unless explicitly covered under the refund policy below.
- 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
As a policy, no refunds will be processed after a successful payment, except under the following condition:
Eligible for Refund
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
- Bureau fetch is successful (report fetched and/or shown on app/email).
- Subscription is auto-renewed and services are considered accessed.
Refund Process (if applicable)
- Will be processed to the original payment method within 7 working days from approval.
- Confirmation will be sent via email or WhatsApp.
4. Non-Refundable Scenarios
Refunds are not applicable in the following situations:
- Payment was auto-debited and subscription was not cancelled beforehand.
- Bureau report was successfully fetched.
- Premium features (like pre-approved offers, report access, score insights) were accessed.
- Issues due to user device, network, or external technical reasons.
- Duplicate payments (unless verified and confirmed by Razorpay and GoCredit team).
5. Disputes or Escalations
To raise a dispute, please email:
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.