Refund & Cancellation Policy

At Jononi Creditcure Solutions Private Limited, we strive to deliver transparent and highly valuable advisory services. Due to the consultative nature of our work, our refund policy is strictly defined as follows:

1. Consultation Fees

Any fees paid for one-on-one credit counselling, initial report analysis, or advisory sessions are non-refundable once the session has been conducted. The fee compensates our experts for their time and the intellectual capital shared during the consultation.

2. Cancellation Before Service Commencement

If you have paid for a service package or consultation but wish to cancel before any work has commenced or before the consultation takes place, you may request a full refund within 48 hours of payment. "Work commenced" includes our team pulling your credit report or drafting dispute letters.

3. Partial Refunds for Ongoing Packages

For multi-month credit improvement packages, refund requests are evaluated on a case-by-case basis. If you choose to terminate the service early, we will calculate the pro-rated value of the work already completed (including setup, analysis, and disputes filed). Any remaining balance will be refunded. No refunds will be issued for months where service was actively rendered.

4. Non-Refundable Scenarios

Refunds will not be granted under the following circumstances:

• You are unsatisfied because a specific score increase was not achieved (as we do not guarantee exact score outcomes).
• Accurate negative information could not be removed from your report.
• You fail to follow the strategic advice provided by our consultants (e.g., you apply for new credit, max out cards, or miss payments during the program).
• You fail to provide required documents (KYC, NDC, etc.) necessary for us to render our services.

5. How to Request a Refund

All refund or cancellation requests must be submitted in writing via email to info@jononicreditcure.com. Please include your full name, phone number, date of payment, and the reason for the request.

6. Processing Timeline

Approved refunds will be processed and credited back to the original method of payment within 7 to 10 business days from the date of approval.