Return & Refund Policy

1. Nature of Services

Finonest provides financial advisory, loan facilitation, and related services. We act as an intermediary connecting customers with banks, NBFCs, and financial institutions. Our services are primarily digital and service-based in nature.

2. No Refund Policy for Service Fees

All fees paid to Finonest for services rendered — including but not limited to processing fees, advisory fees, documentation charges, and platform fees — are non-refundable once the service has been initiated or delivered.

This includes:

• •Loan application processing fees
• •Credit report or bureau access charges
• •KYC verification charges
• •Advisory or consultation fees
• •Any other service-related charges

3. Exceptional Refund Cases

A refund may be considered only in the following exceptional circumstances:

• •Duplicate payment made by the customer due to a technical error
• •Payment charged but service was not initiated or delivered
• •Erroneous deduction due to a system or gateway failure

Refund requests in such cases must be raised within 7 days of the transaction date.

4. Loan Disbursement

Finonest does not disburse loans directly. All loan disbursements are made by the respective bank or NBFC partner. Any refund or reversal related to loan amounts must be addressed directly with the concerned lender as per their policies.

5. How to Request a Refund

To raise a refund request, contact us with the following details:

• •Full name and registered mobile number
• •Transaction ID or payment reference number
• •Date and amount of transaction
• •Reason for refund request

6. Refund Processing Timeline

Approved refunds will be processed within 7–10 business days from the date of approval and credited to the original payment source. Finonest is not responsible for delays caused by banks or payment gateways.

7. Cancellation Policy

You may cancel a service request before processing has begun. Once the application or service has been submitted to a lender or partner, cancellation may not be possible and fees already incurred will not be refunded.

To request a cancellation, contact us immediately at support@finonest.com.

8. Governing Law

This policy is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts at Jaipur, Rajasthan.