Refund Policy

1 Introduction

This Refund Policy applies to services provided by KKGIF Services Private Limited, including loan assistance, financial service assistance, multi services, digital services, documentation support, online application support, customer assistance services and other related service support.

By using our website, submitting a service request, making any payment or taking any paid assistance from KKGIF Services Private Limited, the customer agrees to this Refund Policy.

2 Services Covered Under this Policy

This policy is common for loan services, financial services and multi services, including but not limited to:

3 Refund Eligibility

A refund request may be considered only after verification and only in genuine cases such as:

• Duplicate payment made by the customer for the same service.
• Excess amount received by mistake.
• Payment received but service request was not generated due to a technical issue.
• Payment made for a service that was not started by our team.
• Service could not be provided due to company-side issue.
• Wrong payment received in company account and no service has been started.

4 Non-Refundable Conditions

Refund will not be applicable in the following situations:

• After service work has been started by our team.
• After consultation, guidance, eligibility check, document checking, profile review or file preparation has started.
• After loan file, application, form, request or service application has been submitted to any Bank, NBFC, lender, portal, vendor or third-party platform.
• If loan, application, document, certificate, request or service is rejected, delayed, held or cancelled by any third-party authority or service provider.
• If final approval, amount, rate, charges, timeline or service result is not as per customer expectation.
• If the customer provides incorrect, incomplete, fake, invalid or misleading details/documents.
• If the customer does not provide required documents or does not respond on time.
• If the customer voluntarily cancels the service after work has started.
• If the issue is due to CIBIL/credit score, income profile, employer category, location restriction, KYC, verification failure, technical rejection or policy decision.
• Government fee, portal fee, bank/NBFC charges, lender charges, payment gateway charges, vendor charges, credit report fee, stamp duty or third-party charges are non-refundable.

5 Stage-wise Refund Rules

6 Loan Services Disclaimer

For loan and financial services, KKGIF Services Private Limited may assist customers in consultation, eligibility checking, document checking, file preparation and application submission. However, approval, rejection, loan amount, interest rate, processing fee, insurance, collateral, guarantor, tenure and disbursement are decided only by the concerned Bank, NBFC, financial institution or lender.

Therefore, service fee will not become refundable only because the loan is rejected, delayed, sanctioned for lower amount, sanctioned at higher rate of interest or not accepted by the customer after approval.

7 Multi Services Disclaimer

For multi services, digital services, online application services and documentation services, our role may be limited to assistance, form filling, documentation, submission support, guidance or coordination. Final approval, delivery, correction, issuance, rejection or timeline depends on the concerned government department, portal, vendor, agency, payment gateway or third-party service provider.

Service fee will not be refundable only because the third-party portal is delayed, application is rejected, customer details are incorrect, required documents are missing, OTP/KYC fails, server/portal is down or the customer does not complete required steps.

8 Third-Party Charges

The following charges are non-refundable by KKGIF Services Private Limited:

• Bank/NBFC/lender processing fee or charges.
• Credit report, CIBIL or verification charges.
• Government fee, portal fee, challan fee, stamp duty or registration fee.
• Payment gateway, UPI, bank transaction or convenience charges.
• Vendor, agency, courier, valuation, legal, technical, field investigation or verification charges.
• Insurance premium or any other third-party product/service charges.

Any refund of third-party charges will be governed by the policy of that respective third-party provider.

9 Refund Request Process

To raise a refund request, the customer must contact us with complete payment and service details. Incomplete refund requests may remain pending until required information is provided.

Required Details

• Customer full name.
• Registered mobile number.
• Email ID.
• Service name: Loan Service / Financial Service / Multi Service.
• Payment date and payment amount.
• Transaction ID / UTR number / receipt.
• Reason for refund request.
• Bank account details or original payment mode details, if required.

10 Refund Verification and Timeline

After receiving the refund request, our team may verify payment status, transaction record, service status, work already completed, communication record, application status and third-party submission status.

Once refund is approved, it will generally be processed within 7 to 10 working days. Actual credit time may depend on bank, UPI, payment gateway or payment partner.

Refund will generally be issued to the original payment mode. If refund to original payment mode is not possible, customer may be asked to provide alternate bank account details.

11 Partial Refund

Partial refund may be considered where only part of the service was completed and the remaining service could not be provided due to company-side reason. Deduction may be made for work already completed, administrative cost, payment gateway charges and third-party charges.

12 Cancellation Policy

Customer may request cancellation before service starts. If work has not started, refund may be considered after verification. If work has already started, cancellation may be accepted but paid service fee may remain non-refundable.

If the customer stops responding, does not provide documents, provides incorrect information or withdraws after the process starts, service fee will generally not be refundable.

13 Chargeback and Payment Dispute

If the customer raises a chargeback or payment dispute directly with the bank/payment gateway without first contacting us, we may submit service records, communication records, invoice/payment proof, application status and work status to the concerned bank/payment partner.

14 Jurisdiction

Any dispute, claim or legal proceeding arising out of or related to this Refund Policy, service payment, refund request, cancellation or service assistance shall be subject to the jurisdiction of competent courts/authorities at Bhopal, Madhya Pradesh only.

15 Policy Updates

KKGIF Services Private Limited may update or modify this Refund Policy from time to time. The updated policy will be effective from the date it is published on the website. Customers are advised to read the latest policy before making any payment or taking any service.