Refund & Cancellation

Refund & Cancellation Policy

Effective date: [4 July 2026]

This policy explains the terms that apply to the one-time ₹500 Profile Assessment & Consultancy Fee charged by Archon Finance. By paying this fee you confirm that you have read, understood, and agreed to this policy.

What the ₹500 fee is for

Archon Finance is an authorized Direct Selling Agent (DSA) and credit-profiling consultancy. The ₹500 fee is charged for a professional advisory service that we perform for you. It is not a loan fee, deposit, or payment toward any loan, and it does not purchase, secure, or guarantee a loan of any kind.

What you receive for the fee

Every client who pays the fee receives the following, regardless of whether any loan is ultimately approved by a lender:

  • A written review of your credit profile, identifying the strengths and gaps a lender will see.
  • A personalised, step-by-step plan to improve your credit score and eligibility — yours to keep and act on.
  • Structuring and formatting of your documentation, and submission of your file to the partner banks and NBFCs whose published criteria you meet.

When the fee becomes non-refundable

Because this is an advisory service that we begin performing shortly after payment, the fee becomes non-refundable once the assessment has begun.

The assessment is treated as begun once any one of the following has occurred:

  • our team has started reviewing your submitted profile or documents; or
  • your written assessment or credit-improvement plan has been prepared or shared with you; or
  • your file has been submitted to any partner lender.

In normal operation, work begins within a short time of payment.

When you are entitled to a refund

A fair policy protects both sides. You are entitled to a full refund of the ₹500 in any of these cases:

  • Duplicate or double payment — where you were charged more than once for the same assessment, we refund the extra charge.
  • Payment or technical error — where you were charged but, due to a fault on our side, no assessment was created or started.
  • Non-delivery by us — where we are unable to deliver your written assessment for reasons attributable to Archon Finance.
  • Cancellation before work begins — where you request cancellation in writing before our team has started reviewing your file (i.e. before the assessment has begun).

Where a refund applies, it is made to your original payment method, normally within [5–7] business days of the refund being approved. Timelines on the payment provider's or bank's side may vary.

What the fee does not guarantee

Payment of this fee does not guarantee that any loan will be approved, sanctioned, or disbursed. Archon Finance is not a lender. All loan decisions, amounts, interest rates, and terms rest solely with the partner banks and NBFCs.

A lender declining your application is not grounds for a refund, because the service you paid for — your written assessment, your improvement plan, and the structuring and submission of your file — has been delivered in full.

How to request a refund or cancellation

Email us at loans@archonfinance.xyz from your registered email address, including your full name, your payment or reference ID, and the reason for your request. We acknowledge refund requests within [2] business days and communicate our decision within [7] business days.

For any unresolved concern, you may contact our grievance contact, RITU, at [grievance@archonfinance.xyz].

Changes to this policy

We may update this policy from time to time. The version published on this page at the time of your payment is the one that applies to that payment.