Refund & Cancellation Policy

1. Overview

CreditDoctor is operated by Revelosoft Technologies Pvt. Ltd. We offer a free tier and paid subscription plans (such as Premium and Pro). Because the Service is delivered digitally and access to paid features is granted immediately on payment, please read this policy before subscribing. Payments are processed by our payment partner, Razorpay.

2. Try before you pay

Our free tier lets you experience the core product — uploading a report and seeing an analysis — at no cost and with no card required. We strongly encourage you to use the free tier first to confirm the Service meets your needs before upgrading to a paid plan.

3. Cancellation

• You may cancel a paid subscription at any time from your account settings or by emailing us.
• On cancellation, your plan remains active until the end of the current billing period, and you will not be charged again. We do not auto-renew a cancelled plan.
• After the period ends, your account moves to the free tier. Your data is retained per our Privacy Policy unless you ask us to delete it.

4. Refunds

As a digital service that grants immediate access to paid features, subscription fees are generally non-refundable once the billing period has started. However, we will provide a refund in the following cases:

• Duplicate or erroneous charge — you were charged more than once, or charged in error, for the same period.
• Payment succeeded but access was not provided — your payment was deducted but the paid features were not unlocked, and we are unable to resolve it promptly.
• Cancellation within 48 hours — if you upgrade and then cancel within 48 hours and have not meaningfully used the paid features in that time, you may request a full refund of that charge.

Refunds are not provided for partially used billing periods, for failure to use the Service, or for dissatisfaction with analysis outputs (which are educational and not a guaranteed outcome — see our Terms of Service).

5. How to request a refund

Email support@creditdoctor.in from your registered email address with your registered phone number and the Razorpay payment reference. We will review eligible requests and, where approved, process the refund to your original payment method.

6. Processing time

• We acknowledge refund requests within 48 hours.
• Approved refunds are initiated within 5–7 business days.
• The amount typically reflects in your account within 5–10 business days after initiation, depending on your bank or card issuer.

7. Failed payments & pending charges

If a payment fails but an amount is debited from your account, it is usually an authorisation hold that is reversed automatically by your bank within a few business days. If it is not reversed, contact us with the payment reference and we will assist.

8. No physical goods

CreditDoctor delivers digital services only. There are no physical products, and therefore no shipping, delivery, or related charges.

9. Contact us