1. Refund Policy

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   A. This Refund Policy governs all payment-related transactions made for Finagle  Financial Services Private Limited , an RBI Registered non-deposit taking Non  Systemically Important NBFC (“Company”, “we”, or “us”) by any individual (“User”  or “You”) through the online platform operated by Pi Credit Services Private Limited,  via its mobile application or website www.anytimerupee.com (collectively referred to  as the “Platform”).
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3. B. By using the Platform to make any payment, whether for processing fees, convenience  charges, or other services provided directly by the Company you are deemed to have  read, understood, and agreed to this Refund Policy in addition to our Terms and  Conditions and Privacy Policy.

1. C. In the event of any genuine and eligible refund claim, including duplicate transactions  or erroneous payments made directly to the Company (not including repayments to  Lending Partners), You may submit a written request to care@anytimerupee.com /  info@finagle.co.in within a reasonable time. The Company shall verify the  transaction, and where a refund is found to be applicable, it will be processed within  Twenty-One (21) working days, through the original payment method or any other  method deemed appropriate by the Company, subject to applicable law and internal  approval.
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3. 1. For Charge Back Transaction
   

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1.1 In these Terms and Conditions, the term “Charge Back” shall mean, approved and or  net banking purchase transaction(s) which are at any time refused, debited or charged  back to merchant account (and shall also include similar debits to Payment Service  Provider’s accounts, if any) by the acquiring bank for any reason whatsoever, together  with the bank fees, penalties and other charges incidental there to. 

1.2 In the event You raise a chargeback request through Your bank or card issuer, you are  required to promptly notify the Company by writing to care@anytimerupee.com/  info@finagle.co.in, clearly stating: 

1. a) Transaction ID 
2. b) Date and mode of payment 
3. c) Reason for the chargeback 
4. d) Supporting documentation, (Proof of transaction, Identity/Ownership Proof  like PAN, Aadhaar, Passport, etc.to prove account ownership)

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1.3 Upon receiving such notification, the Company will Initiate a review of the transaction  in coordination with the Payment Service Provider; Communicate with You regarding  any additional details required and provide a resolution or clarification within Twenty One (21) working days of verification, wherever feasible.

1.4 Such refund (if any) shall be affected by Company via payment gateway or such other  means as Company, deems it appropriate and the refund will be settled in within  Twenty-One (21) working days. No claims for refund/ charge back shall be made by  any User to the Payment Service Provider(s) and in the event such claim is made it  shall not be entertained. 

1.5 Users are advised not to raise duplicate or parallel refund claims directly with Payment  Service Providers or issuing banks unless specifically required by law. The Company  shall not be liable for any delays or denials resulting from parallel claims raised  outside its internal process. 

2. 2. Refund for fraudulent/duplicate transaction(s) 

2.1 The User is obligated to inform Company promptly regarding any fraudulent  transaction(s) resulting from the misuse of their card/bank details by a fraudulent  individual/party. The User must submit the following details: 

1. a) Proof of transaction (Bank statement showing the disputed transaction or  Credit/debit card statement with unauthorized charges highlighted or UPI/Net  Banking transaction log from the bank’s mobile app or portal or Payment  gateway receipt showing an unfamiliar merchant or payee) 
2. b) Communication Records (Emails or SMS alerts from the bank/payment service  confirming the transaction) 
3. c) Dispute Documentation (Written complaint lodged with the bank  (acknowledgement copy). 
4. d) Supporting Identity/Ownership Proof (PAN, Aadhaar, Passport, etc.to prove  account ownership) 

Company will address such matters appropriately in accordance with its policies  and regulations.

 

2.2 Users are advised to secure their account credentials, device, and payment  information. The Company shall not be held liable for any loss arising out of  negligence, phishing, or third-party compromise unless proven to be caused directly  due to a failure on the part of the Platform or its authorized systems.

3. 3. Server Slow Down/Session Timeout 

3.1 In case the Website or Payment Service Provider’s webpage, that is linked to the  Website, is experiencing any server related issues like ‘slowdown’ or ‘failure’ or  ‘session timeout’, the User shall, before initiating the second payment, ( This can be  done by reviewing Your bank statement, SMS alert, UPI app, or email confirmation  from the bank )check whether his/her bank account has been debited or not and  accordingly resort to one of the following options: 

1. a) In case the bank account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact the company via  e-mail or any other mode of contact as provided by company to confirm  payment. 

1. b) In case the bank account is not debited, the User may initiate a fresh  transaction to make payment. 

3.2 The Company and its Payment Service Providers shall make all reasonable efforts  to ensure uninterrupted payment processing. However, under no circumstances  shall the Company not be liable for technical issues arising out of third-party  infrastructure, including banking networks, internet connectivity, or device-level  errors and hence no claims should be raised to Payment Service Provider(s). No  communication received by the Payment Service Provider(s) in this regard shall be  entertained by the Payment Service of Pi Credit Services Private Limited and/or the  company. By making a payment through the Platform, you confirm that You have  read, understood, and accepted the terms of this Refund Policy in conjunction with  the applicable Terms & Conditions, Privacy Policy, and any specific product related agreements You may have executed. 

4. 4. Scope of Policy 

4.1 This Refund Policy applies solely to transactions made for Finagle Financial  Services Private Limited , an RBI Registered non-deposit taking Non Systemically  Important NBFC (“Company”, “we”, or “us”) by any individual (“User” or “You”)  through the online platform operated by Pi Credit Services Private Limited, via its  mobile application or website www.anytimerupee.com (collectively referred to as  the “Platform”). 

5. 5. Force Majeure 

5.1 The Company shall not be held liable for any delay, failure, or disruption in  processing payments, refunds, or providing any service under this Refund Policy if  such delay or failure results from circumstances beyond the Company’s reasonable  control, including but not limited to: 

1. a) Acts of God (floods, earthquakes, storms, natural disasters) 
2. b) Pandemic outbreaks, lockdowns, or public health emergencies 
3. c) Fire, explosion, accidents, or sabotage 
4. d) Strikes, labour disputes, or industrial action 
5. e) Bank holidays, RBI circular-imposed moratoriums, or system-wide outages in  payment or settlement infrastructure (e.g., UPI/NPCI, RTGS, IMPS) f) Power failures, server breakdowns, or network disruptions at the Company, its  Payment Service Providers (PSPs), or banking partners 
6. g) Cybersecurity incidents including data breaches, denial of service (DoS)  attacks, or malware infections

1. h) Governmental or judicial actions, embargoes, or regulatory directives affecting  payment processing or refunds 

In such events, the Company will make reasonable efforts to restore operations and  resume processing of refunds as soon as practically possible. However, Users  acknowledge and agree that delays caused by Force Majeure events shall not constitute a  breach of this Refund Policy or give rise to any claim for damages, interest, or penalties. 

6. 6. Policy Updates and Modifications 

6.1 This Refund Policy may be amended, updated, or revised from time to time at the  sole discretion of the company in accordance with changes in legal, regulatory, or  operational requirements. 

6.2 Whenever any material change is made to this policy: 

1. a) The revised version will be published on the official website and may be  notified in-app or via email, if necessary. 
2. b) The effective date of such changes will be clearly stated at the top of the  updated policy document. 
3. c) Continued access to or use of the Platform or its services after the effective  date of such updates shall be deemed as Your acceptance of the revised Refund  Policy. 

6.3 Users are encouraged to periodically review this Refund Policy to stay informed  about how refunds are handled and their associated rights and obligations. 

7. 7. Grievances
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7.1 For any complaint you can also contact our Grievance Officer (Komal Bisht  +91 9026105409) 

Email: gro@anytimerupee.com, Phone: 9211752207 and/or Mr. Himanshu Gaur  Phone: +91 9211752213, Email:grp.atr@finaglenbfc.com