REFUND & CANCELLATION POLICY.

1. Scope of the Policy

This policy applies to all services purchased or availed through BSP CONTINENTAL PRIVATE LIMITED, including services provided through our website, digital platforms, payment gateways, email, telephone, or other approved communication channels.

2. Service Confirmation

A service shall be considered confirmed once the Company receives the applicable payment and the Client has accepted the relevant service terms. Depending upon the nature of the service, work may commence immediately after payment confirmation.

3. Cancellation by Client

The Client may request cancellation of a service by submitting a written cancellation request through the Company’s official communication channel. Cancellation requests received before commencement of the service may be considered for a refund, subject to applicable administrative or processing charges. Once the Company has commenced the service, including consultation, document review, verification, analysis, report preparation, application assistance, or other professional work, the amount paid may become non-refundable, either fully or partially, depending upon the stage of work completed.

4. Refund Eligibility

A refund may be considered in the following circumstances:

• Payment has been received but the Company has not commenced the agreed service.
• The Company is unable to provide the service for reasons attributable solely to the Company.
• Duplicate payment has been made for the same service.
• Any other situation specifically approved by the Company after reviewing the circumstances.

Where a refund is approved, the refundable amount shall normally be processed through the original payment method.

5. Non-Refundable Services

Payments may not be refundable after the Company has commenced work involving any of the following:

• Financial or loan consultation;
• Credit report/CIBIL review or dispute assistance;
• Loan eligibility or loan-readiness assessment;
• Property title or document review;
• Property search, survey or compliance-related work;
• Preparation of reports, applications, proposals or documentation;
• Debt restructuring or consolidation advisory;
• Professional consultation already provided;
• Customized research, analysis or advisory work;
• Services involving third-party charges, government fees, professional fees or other external expenses.

6. Loan & Financial Consultancy Disclaimer

Payment for consultancy or loan-assistance services does not constitute a guarantee of loan approval, sanction, disbursement, credit-limit enhancement, restructuring approval or any other decision by a bank, NBFC, financial institution or third party. Any decision relating to loan sanction, credit assessment, interest rate, security, documentation or disbursement shall remain solely with the concerned financial institution. Therefore, rejection or non-approval of a loan by a bank, NBFC or other financial institution shall not, by itself, create an automatic right to a refund where the Company has already performed the agreed consultancy or advisory services.

7. Property Compliance Services

For property-related services, once the Company has commenced document verification, title review, search work, survey coordination, report preparation or related professional services, the applicable professional charges may become non-refundable. The Company does not guarantee the outcome of any property transaction, registration, mutation, title dispute, government record, court proceeding or third-party verification.

8. Credit Score & Dispute Services

For credit score management and dispute-related services, fees paid for professional review, analysis, documentation, dispute preparation, submission assistance or follow-up services may be non-refundable once the relevant work has commenced. The Company does not guarantee a particular CIBIL/credit score improvement or acceptance of a dispute by any credit information company, bank, NBFC or other institution.

9. Third-Party Charges

Government fees, statutory charges, registration charges, professional fees, survey charges, legal fees, search fees, banking charges, payment gateway charges or other third-party expenses, wherever applicable, may be non-refundable once incurred or paid to the concerned third party.

10. Refund Processing

Where a refund is approved, the Company will normally initiate the refund within 7–15 business days from the date of approval, subject to the processing time of the bank, payment gateway or financial institution. The Company may request reasonable transaction details required for processing the refund.

11. Cancellation by the Company

The Company reserves the right to cancel or discontinue a service where:

• The Client provides materially incorrect, incomplete or misleading information;
• Required documents or information are not provided;
• The requested service is outside the Company’s scope;
• The service cannot legally or practically be provided;
• The Client engages in fraudulent, unlawful or abusive activities; or
• Continuation of the engagement may expose the Company to legal, regulatory or reputational risk.

Where cancellation is initiated by the Company and the Client has paid for services that have not yet been performed, the Company may provide an appropriate refund after deducting any legitimate costs already incurred.

12. No Refund for Incorrect Information Provided by Client

The Client is responsible for providing complete, accurate and genuine information and documents. The Company shall not be responsible for any loss, delay, rejection or additional expense arising from incorrect, incomplete, misleading or concealed information provided by the Client or from decisions taken by banks, NBFCs, government authorities, credit bureaus, property owners or other third parties.

13. Force Majeure

The Company shall not be liable for delays or inability to provide services caused by circumstances beyond its reasonable control, including government restrictions, system failures, technical issues, natural disasters, regulatory changes, third-party platform failures or other force majeure events. Refunds in such circumstances, if applicable, shall be considered based on the service already performed and actual costs incurred.

14. Payment Gateway Charges

Where applicable, payment gateway, transaction or processing charges may be deducted from the refundable amount if such charges have actually been incurred and are non-recoverable by the Company.

15. Grievance & Refund Requests

For cancellation, refund or service-related complaints, the Client may contact BSP CONTINENTAL PRIVATE LIMITED through the Company’s official customer-support or grievance channel. The Client should provide:

• Full Name;
• Registered mobile number / email;
• Transaction / payment reference number;
• Service purchased;
• Date of payment; and
• Specific reason for cancellation / refund request.

The Company will review the request and communicate its decision within a reasonable period.

16. Governing Law

This policy shall be governed by and interpreted in accordance with the applicable laws of India. Any dispute shall be subject to the jurisdiction of the competent courts having jurisdiction over the Company’s registered office in Bilaspur (C.G.).