Refund & Cancellation Policy

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Overview

D.S. Integrated Finsec Pvt Ltd (DSIFPL) is a Non-banking Finance Company. DSIFPL does not provide general refunds or cancellations because payments are received via payment gateways for EMI and other transactions. This policy describes the limited circumstances and process under which refunds may be issued.

When Refunds May Be Issued

Amount once paid through the payment gateway shall not be refunded other than in the following circumstances:

• Duplicate / Multiple Debits: If a customer’s card/bank account is debited multiple times for the same transaction due to a technical error, excess amount (excluding payment gateway charges) will be refunded.
• Charged but Transaction Failed: If payment is charged on the customer’s card/bank account but the transaction is unsuccessful due to a technical error, the charged amount will be refunded.

Procedure for Applying for Refund

1. The customer must submit an application for refund containing the transaction number and original payment receipt (if any).
2. The application should be sent to: info@dsifpl.com.
3. Applications will be processed manually. After verification, if the claim is found valid, the excess amount will be refunded electronically to the borrower within 7 calendar days of acceptance of the claim.
4. It may take 3–7 business days for the refunded amount to appear in the customer’s bank account depending on bank settlement timelines.

Circumstances Where Refunds May Not Be Possible / Delays

The Company assumes no responsibility and shall incur no liability if it is unable to process a payment or refund due to the following (including but not limited to):

• Incomplete, inaccurate, invalid or delayed payment instructions by the customer.
• Insufficient funds or limits in the payment account.
• Funds in the payment account are under encumbrance or charge.
• Bank refusing or delaying to honour the payment instruction.
• Force majeure events (fire, flood, natural disaster, power failure, system failure, or other unforeseeable causes).
• If payment is not effected, an email notification will be sent to the customer.
• If a repayment installment is wrongly credited to an incorrect account, the GSD will appropriate it to the relevant account after notice; the Company is not responsible for loss until such notice is received.

Account Suspension / Termination

The user agrees that the Company, at its sole discretion and without penalty, may suspend or terminate an account or access to services and remove associated profiles and data at any time. The Company may discontinue providing access with or without notice and shall not be liable for such termination. Suspected fraudulent, abusive, or illegal activity may be referred to law enforcement authorities.

Right to Amend

DSIFPL reserves the right to change, amend, add, or cancel any or all rules or terms in this policy at its sole discretion without prior notice.

Dispute Resolution

The Company may elect to resolve disputes by binding arbitration under the Indian Arbitration & Conciliation Act, 1996. Any dispute or claim shall be arbitrated on an individual basis and not consolidated with any other party.

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