CapitalBox – Comprehensive Refund Policy

1. General Policy Overview

   CapitalBox provides professional consultancy services in loan advisory, legal documentation, and government scheme assistance. Since these services involve expertise, time, and resource allocation from the moment of engagement, the fees charged are generally non-refundable. We ensure transparency in service scope, timelines, and deliverables before initiating any project. Our refund policy is designed to address only exceptional circumstances. By engaging with CapitalBox, you accept the terms listed herein. We reserve the right to modify this policy without prior notice for legal or operational reasons.

2. Non-Refundable Professional Services

   All payments made towards consultancy services—such as loan eligibility analysis, documentation support, legal advisory, and advocate referrals—are non-refundable once the service has been initiated. These services rely on skilled human input, and the value is delivered progressively. Even if the outcome does not meet a subjective expectation, once work starts, the fee cannot be returned. Clients are advised to ensure full understanding of the service scope before payment. Time spent on phone calls, research, and drafting is billable. Refunds are not applicable if the service was provided partially or wholly.

3. Refund Eligibility Conditions

   Refunds will be entertained only under strict, review-based conditions. A refund may be considered if a double payment is made or if the client cancels the service within 24 hours and before the commencement of work. The request must be submitted in writing via email with valid proof. Refunds are not issued for dissatisfaction caused due to incomplete information provided by the client. If the error in service delivery is from our side and work has not yet begun, we may issue a partial refund. All requests are reviewed by our compliance team.

4. Process to Raise a Refund Request

   Clients seeking a refund must send a detailed request to partnercare@capitalbox.in within 24 hours of payment. The request must include the full name, payment reference ID, description of the service taken, and the specific reason for the refund. Our support team will acknowledge the request and may contact you for clarification or supporting documents. The refund decision is made only after an internal review and approval by the accounts and legal compliance departments. No verbal or WhatsApp requests shall be accepted or considered valid for refund processing.

5. Refund Approval and Timeline

   If a refund is approved, the amount shall be credited to the original mode of payment within 7 to 10 working days. The actual duration may vary depending on banking channels, holidays, or payment gateway providers. We are not liable for delays caused by the client’s bank. In case of UPI or wallet-based payments, the refund may reflect faster. Once processed, the client will receive a confirmation email with refund transaction details. Any deduction of service charges by payment gateways will be borne by the client and may be deducted from the final amount.

6. Cases Not Eligible for Refund

   Refunds will not be applicable if the service has already started or if documents were shared for processing. If the client has failed to respond, delayed submission, or provided incomplete or incorrect information—leading to cancellation or delay—no refund shall be given. We are not responsible for external rejections by banks, legal entities, or government platforms once we’ve fulfilled our consulting role. Also, change of mind, incorrect expectations, or using the service elsewhere does not qualify for refund. Once progress begins on a case, fees are consumed and become non-recoverable.

7. Dispute & Jurisdiction Clause

   In case of disputes arising from refund claims, the matter will be subject to review under applicable laws of the Republic of India. The legal jurisdiction for any disputes, complaints, or claims shall be strictly limited to the courts of Surat, Gujarat. CapitalBox retains the right to take disciplinary or legal action against fraudulent claims or abusive conduct. The client agrees to this jurisdiction and dispute resolution method by engaging with our services. We also retain the right to involve external auditors for internal reviews if necessary. 
   
   Final Declaration & Acceptance

8. By proceeding with any service offered by CapitalBox, the client confirms that they have read, understood, and agreed to the terms mentioned in this Refund Policy. No verbal commitment or informal assurance shall override this documented policy. It is the client's responsibility to ask all questions and clear doubts prior to making payment. Once payment is made, these terms become binding on both parties. Any attempt to misuse the policy for unjust refunds will be considered a breach of trust. CapitalBox reserves full rights to deny services in the future to clients violating these conditions. This policy is a legally enforceable digital agreement.