Refund Policy

Refund Policy

At Moxpal Finance Loan Management system, we are committed to maintaining transparency, trust and fairness in all our financial services. This Refund Policy explains the conditions under which refund requests may be processed and the applicable procedures.

1. Introduction

This policy applies to all payments related to loan processing fees, service fees, membership fees, digital services, documentation charges and other applicable charges collected by Moxpal Finance. By availing our services, you acknowledge and agree to the terms outlined in this policy.

2. Eligibility for Refund

Refund requests may be considered under the following valid conditions:

• Payment made twice accidentally or duplicate transaction error
• Technical or system failure caused by Moxpal Finance resulting in incorrect deduction
• Administrative billing errors made from our side
• Service not initiated due to operational inability from our end

3. Non-Refundable Charges

The following charges are strictly non-refundable:

• Loan processing fees for processed applications
• Interest on approved or disbursed loans
• Delayed payment penalties and late fees
• Administrative service charges once service is initiated
• Charges for services that have already been delivered

4. Refund Process

To request a refund, customers are required to follow the steps below:

1. Submit a Refund Request: Contact customer support within 30 days of the transaction date
2. Provide Required Details: Loan reference number, payment receipt and reason for request
3. Verification: Request review may take 5–7 business days
4. Approval & Processing: If approved, refund will be processed within 10–15 business days
5. Confirmation: Notification via SMS / Email after refund completion

5. Refund Timeframe

• UPI: 2–5 business days
• Bank Transfer / NEFT: 5–10 business days
• Debit / Credit Cards: 7–14 business days
• Wallet Payments: 2–5 business days

6. Special Circumstances

• Natural disaster or emergency related banking suspension
• Government regulatory changes
• Technical service failure from Moxpal side

Refund approval in such cases is solely at the discretion of management.

7. Required Documents

• Loan application reference ID
• Payment receipt or screenshot
• Bank account details for refund
• Valid identity proof
• Written refund reason

8. Policy Modifications

Moxpal Finance reserves the right to update or revise the refund policy at any time. Changes will be published on our official website. Continuing the use of services indicates acceptance of updated terms.