REFUND AND CANCELLATION POLICY 

Effective Date: October 24, 2025

TABLE OF CONTENTS

1. Preamble and User’s Affirmative Agreement
2. Legal Definitions within This Policy
3. The Nature of the Service: An Irrevocable Digital Process
4. The Service Fee: A Non-Refundable Processing Charge
5. Core Mandate: Absolute No-Refund, No-Cancellation Policy
6. Enumerated Scenarios of Non-Refundability (Exhaustive List)
7. Policy on Chargebacks and Dispute Resolution
8. Exception Protocol for Verified Technical Errors
9. Final User Acknowledgment and Legal Waiver
10. Contact and Queries

1. PREAMBLE AND USER’S AFFIRMATIVE AGREEMENT

1.1. Scope and Intent:

This Refund and Cancellation Policy (hereinafter referred to as “Policy”) is a legally binding component of the master Terms and Conditions governing the use of the services offered by Nexora Finance Group (“Firm,” “we,” “us,” “our”). This Policy is designed with the express intent of being fully transparent, unambiguous, and exhaustive regarding the non-refundable nature of our Service Fee.

1.2. Affirmative Agreement:

By proceeding to the payment stage and successful payment of the Service Fee, the Individual being the User (“you,” “your”), hereby declares and affirms that you have meticulously read, fully comprehended, and unconditionally accepted every clause of this Policy. This action constitutes an electronic signature and a binding agreement to these terms.

2. LEGAL DEFINITIONS WITHIN THIS POLICY

2.1. “Service”:

It shall mean the fully-automated, one-time, digital administrative process of (a) collecting the User’s Personal Information through our secure web portal, and (b) securely transmitting said information to our network of third-party Financial Partners.

2.2. “Service Fee”:

It shall mean the non-refundable payment of Rs. 360/- (Rupees Three Hundred and Sixty only) paid by the User to the Company for   availing the intended Service.

2.3. “Service Execution Point”:

It shall mean the precise moment in time that the User’s payment of the Service Fee is successfully confirmed by our payment gateway provider.

3. THE NATURE OF THE SERVICE: AN IRREVOCABLE DIGITAL PROCESS

3.1. Instantaneous and Automated:

The Service provided by the Company is a digital product that is both instantaneous and automated. At the Service Execution Point, our systems are automated to process and transmit your data.

3.2. Irrevocable Nature:

Due to this automated execution, the Service is irrevocable and non-cancellable once initiated. The resources (including server processing time, API calls, and data handling) are consumed at the moment of execution. Therefore, the Service, once paid for, cannot be “returned” or “cancelled” in the way a physical good can be.

4. THE SERVICE FEE: A NON-REFUNDABLE PROCESSING CHARGE

4.1. Fee for Process, Not Outcome:

The User must understand that the Service Fee is payment for the process of data collection and transmission, NOT for the outcome of the loan inquiry. The fee is earned by the Firm at the Service Execution Point, irrespective of any subsequent and / or future events.

4.2. Distinction from Loan Fees:

This Service Fee is neither a loan application fee, nor a security deposit, nor an advance payment on any loan and nor a fee contingent upon loan approval.

5. CORE MANDATE: NO REFUND AND NO-CANCELLATION POLICY

5.1. General Rule:

The Service Fee of Rs. 360 /- is ABSOLUTELY, STRICTLY, AND COMPLETELY NON-REFUNDABLE.

5.2. No Cancellations:

All sales are final. Once the Service Fee is paid, the order for the required Service CANNOT BE CANCELLED by the User for any reason whatsoever.

6. ENUMERATED SCENARIOS OF NON-REFUNDABILITY (EXHAUSTIVE LIST)

To eliminate any ambiguity, if at all, the User explicitly agrees that a refund (either partial or complete) shall not be issued under any of the following circumstances (this list is illustrative and not exhaustive):

• 6.1. Rejection by Financial Partners: If the User’s loan inquiry is declined.
• 6.2. Non-Receipt of Offers: If the User does not receive any communication from Financial Partners.
• 6.3. Unfavorable Loan Terms: If the User is dissatisfied with the terms of any loan offer received.
• 6.4. User’s Change of Mind (“Buyer’s Remorse”): If the User decides they no longer need or want the service after payment.
• 6.5. User Error or Inaccurate Data: If the service fails or the loan is rejected due to incorrect information (e.g., typographical error in PAN, name, or contact details) provided by the User.
• 6.6. Failure to Respond to Lenders: If the User fails to answer calls or respond to communications from Financial Partners.
• 6.7. Perceived Delay: If the User perceives a delay in receiving a response from Financial Partners.
• 6.8. Already Obtained Loan Elsewhere: If the User secures a loan from another source while waiting for a response.
• 6.9. Partial Service Use: The service is considered 100% complete at the Service Execution Point. There is no concept of “partial use” or pro-rata refund.

7. POLICY ON CHARGEBACKS AND DISPUTE RESOLUTION

7.1. Illegitimate Chargebacks:

Given the clear and upfront nature of this Policy, the User agrees that initiating a chargeback or payment dispute with their bank or payment provider for the Service Fee on the grounds of “service not rendered” or “service not as described” is an illegitimate action and a breach of this Agreement and the same does not make the Firm liable in any form whatsoever.

7.2. FIRM’S’s Right to Action:

In the event of an illegitimate and / or unlawful chargeback by the User, the Firm reserves the right to:

1. a) Vigorously defend the chargeback by providing the payment gateway with evidence of this Policy, the User’s IP address, timestamps, and proof of the User’s affirmative acceptance of these terms.
2. b) Report the incident to relevant credit bureaus or fraud prevention databases.

8. EXCEPTION PROTOCOL FOR VERIFIED TECHNICAL ERRORS

8.1. Scope of Exception:

The only circumstance under which a refund will be considered is a verified, acknowledged, demonstrable, and an unrectified technical failure originating solely from the Firm’s systems.

8.2. Double-Charging:

If the User is charged multiple times for the exact same single service instance due to a payment gateway error, the User must contact our support at [support@nexorafinancegroup.com] within 48 hours with transaction IDs for all charges. Upon verification and if found eligible, the duplicate charge(s), less any applicable gateway processing fees, will be refunded to the original payment source within 7-10 banking business days. This is the sole and exclusive exception to the no-refund and non-cancellation rule.

9. FINAL USER ACKNOWLEDGMENT AND LEGAL WAIVER

By making the payment, the User affirms, acknowledges, and legally binds oneself to the following:

“I, the User, have read and fully understood every section and its related provisions of this Refund and Cancellation Policy. I accept that the fee of INR 360/- is for an immediate, irreversible digital service and is entirely non-refundable. I waive any and all rights to contest, dispute, or chargeback this fee based on the outcome of my loan inquiry or any other reason not explicitly covered under Section 8 of he said Act (Exception Protocol).”

10. CONTACT AND QUERIES

For any further clarifications regarding this Refund and Cancellation Policy, , please contact us before making the payment. Making a payment towards the same constitutes your absolute and irreversible acceptance of this Policy.