No Refund Policy

You may cancel your Capora subscription at any time.

• Go to Account Settings → Subscription → Cancel Plan in the app, or
• Email support@capora.in from your registered email address with the subject line "Subscription Cancellation Request"

• Your subscription will remain active until the end of the current billing period for which you have already paid
• No further charges will be made after the current billing period ends
• Access to subscription features (credit report, dashboard, recommendations) will continue until the end of the paid period
• After the billing period ends, your account will revert to a free/limited access state

All subscription fees are final and non-refundable once charged. Cancellation stops future billing only; it does not create a refund entitlement for the current billing cycle.

Non-refundable charges include, without limitation:

• Cancellation after activation or during an active billing period
• Unused or partially used subscription time
• Subscription renewal charges after the billing date has passed
• Dissatisfaction with credit score outcomes, recommendations, or results
• Charges where the account is suspended or closed for a Terms of Service violation
• Taxes and payment gateway charges, to the extent permitted by applicable law

If you believe you have been charged incorrectly or twice for the same period:

• Notify us at support@capora.in within 30 days of the charge, with your transaction reference number and registered mobile number
• Our team will acknowledge your request within 2 business days
• Upon verification, confirmed erroneous charges will be reversed or adjusted within 7 business days to the original payment source

Capora's loan and insurance referral service is free of charge to you. We earn a referral fee from the respective partner upon successful conversion. Therefore:

• There is no fee paid by you to Capora for referral services, and no refund applies to the referral service itself
• If you have paid any processing fee, stamp duty, or insurance premium directly to a partner after being referred, those charges are governed by that partner's own refund policy — Capora has no authority over partner charges

1. Submit your billing dispute to support@capora.in with: registered name and mobile number, subscription / transaction ID, reason for dispute, and supporting evidence (screenshot, bank statement)
2. Acknowledgement within 2 business days
3. Review and decision within 5 business days of receiving all required information
4. If a duplicate or erroneous charge is confirmed, the charge will be reversed or adjusted to the original payment source within 7 business days
5. Additional 2–3 business days may be required for bank/payment gateway processing

Capora subscriptions auto-renew at the end of each billing cycle. You will receive a reminder notification 3 days before renewal. To prevent renewal, cancel your subscription before the billing date via the app or by emailing support@capora.in. Charges already processed are non-refundable.