1. The Short Version
Creddo believes in transparent, honest service. This policy sets out when cancellations and refunds apply to the services we provide — and because our services are free, the honest answer is: rarely. The sections below cover the specific situations that do come up.
2. Our Services Cost You Nothing
Consultation, product matching, and application assistance from Creddo are provided entirely free of charge. There are no consultation fees, service fees, or application processing fees on our side.
Because nothing is charged, there is normally nothing to refund. The scenarios below explain the exceptions and adjacent cases.
3. Cancelling An Application
You can ask us to cancel a financial product application any time before the bank or NBFC has processed it. To do so:
- Email info@creddo.com or call +91 78878 02772
- Share your application reference number and details
- Our team will take up the cancellation with the bank or NBFC
Please note: once the institution has processed or approved the application, Creddo may no longer be able to cancel it on your behalf — you would need to approach the bank directly.
4. Charges Levied By Banks
Some banks and NBFCs charge processing or other fees directly to you. Those charges belong to the institution, not to Creddo, and any refund of them must be pursued with that institution under its own refund policy.
Creddo cannot refund amounts charged by a bank or financial institution.
5. Promotional Gifts
For complimentary items offered in our campaigns (such as premium wireless earbuds or a leather bag set on credit card approval):
- Gifts are dispatched only after the financial product is successfully approved and activated
- No gift is provided if the application is declined
- A defective gift will be replaced, or a suitable alternative offered
- Gifts are non-refundable and cannot be exchanged for cash
- Gifts must be claimed within 30 days of the approval notification
6. Having Your Data Removed
If you decide to withdraw your application and want your personal data deleted from our records, email info@creddo.com. We complete deletion requests within 30 business days, except where law or regulation requires us to retain certain records.
7. Complaints & Grievances
If something hasn't gone the way it should, tell us — we aim to resolve every grievance within 7 working days:
- Email: info@creddo.com
- Phone: +91 78878 02772
- Address: Creddo, Near SP Infocity, Phursungi, Pune, Maharashtra 412308
8. Changes To This Policy
Creddo may amend this policy at any time. Amendments are published on this page with a refreshed date — please glance over it occasionally.
Last updated: July 3, 2026