Refund & Cancellation Policy
This Refund and Cancellation Policy applies to all services offered through Debtkart.in, operated by Settlend Legal Advisors LLP under the brand name “Debtkart”.
Debtkart provides legal support, debt advisory assistance, documentation support, settlement communication assistance, representation support, and related professional services. Since our services involve time, professional effort, consultation, drafting, case review, communication, and documentation work, refund requests shall be governed by the terms mentioned below.
1. Consultation and Service Fees
Fees paid towards consultation, case analysis, legal drafting, documentation, advisory support,
settlement assistance, or representation-related services are generally non-refundable once the service has commenced.
Service commencement includes, but is not limited to:
a. discussion of the matter with the client
b. collection or review of documents
c. preparation of draft letters, replies, complaints, notices, applications, or representations
d. communication with banks, NBFCs, recovery agents, arbitrators, mediators, advocates, or any third party
e. assignment of the matter to any legal or support team member
f. sharing of legal strategy, advice, or draft documents with the client
2. Cancellation Before Commencement of Service
A client may request cancellation before any work has commenced. In such cases, Debtkart may consider a refund after deducting payment gateway charges, administrative charges, consultation charges, and any other cost already incurred.
The decision regarding whether the service has commenced shall be based on the records maintained by Debtkart.
3. No Refund After Work Has Started
Once work has started on the client’s matter, no refund shall be applicable merely because:
a. the client changes his or her mind
b. the client does not wish to proceed further
c. the client fails to provide complete documents or information
d. the client directly settles or communicates with the bank/NBFC after engaging Debtkart
e. the bank, NBFC, recovery agency, arbitrator, mediator, or any third party does not provide the desired response
f. the expected settlement, moratorium, waiver, relief, or outcome is not achieved
Debtkart does not guarantee any assured settlement, waiver, moratorium, reduction of dues, deletion of credit bureau records, withdrawal of legal proceedings, or any specific result. All outcomes depend upon the facts of the case, documents, lender policy, applicable law, and the discretion of the concerned authority or institution.
4. Duplicate or Excess Payment
In case of duplicate payment, excess payment, or payment made due to a technical error, the client may raise a refund request by sharing payment proof, transaction ID, date of payment, amount paid, registered mobile number, and email ID.
Upon verification, eligible duplicate or excess payments shall be refunded to the original payment method, subject to applicable payment gateway and banking timelines.
5. Failed Transaction
If the amount is debited from the client’s account but not received by Debtkart due to a failed or pending transaction, the client should first check with the bank or payment gateway. If Debtkart receives the amount later, the same shall either be adjusted against the service fee or refunded after verification.
6. Partial Refund
In exceptional cases, Debtkart may, at its sole discretion, consider a partial refund where no substantial work has been done. Any such refund shall be decided after deducting consultation charges, administrative costs, payment gateway charges, tax implications, and the value of work already performed.
7. Refund Timeline
Approved refunds, if any, shall be processed within 7 to 10 working days from the date of approval. The actual credit to the client’s account may depend on the bank, payment gateway, or payment service provider.
8. Non-Refundable Charges
The following charges shall ordinarily be non-refundable:
a. consultation fees
b. drafting charges
c. documentation charges
d. case review charges
e. payment gateway charges
f. administrative charges
g. charges for work already performed
h. taxes, where applicable and already accounted for
9. How to Raise a Refund Request
For any refund or cancellation request, the client must contact Debtkart through the official contact details mentioned below:
Email:
info@debtkart.in
Phone: 6293629300 / 6293889388
The refund request must include the client’s full name, registered mobile number, email ID, payment proof, transaction ID, date of payment, amount paid, and reason for refund request.
10. Final Decision
Debtkart shall review every refund request fairly and reasonably. However, the final decision regarding approval, rejection, or partial approval of any refund request shall rest with Debtkart, subject to applicable law and the terms of engagement agreed with the client.
11. Policy Updates
Debtkart reserves the right to modify, update, or amend this Refund and Cancellation Policy at any time without prior notice. The updated policy shall be effective from the date it is published on Debtkart.in.
