Refund and Cancellation Policy

Birbal operates in two distinct capacities, and this Policy applies differently to each:

• Birbal’s own Services — the AI concierge features we directly provide (e.g., account access, comparisons, insights, and any premium/paid features we may offer).
• Third-Party Financial Products— home loans, business loans, personal loans, credit cards, and other financial products offered by banks, NBFCs, or other financial institutions (“Financial Partners”) that you discover or apply for through the Platform.

This Policy governs only Birbal’s own Services (Category 1). It does not govern, and Birbal has no control over, refunds, cancellations, foreclosure charges, processing fees, or any other charges levied by a Financial Partner (Category 2). Those are strictly governed by the Financial Partner’s own terms, sanction letter, loan agreement, or card terms, which you accept directly with them.

As of the date of this Policy, Birbal’s core features — including product discovery, execution, loan comparison, and optimization recommendations — are provided to users free of charge. Since no payment is collected by Birbal for these features, no refund is applicable or payable in relation to them.

If this changes, we will update this Policy and notify users before introducing any paid features.

If Birbal introduces any paid subscription, premium feature, or one-time paid service in the future, the following will apply unless stated otherwise at the time of purchase:

Cancellation

• You may cancel a paid subscription at any time from your account settings or by contacting us at info@finsagex.com.
• Cancellation will stop future billing but will not automatically entitle you to a refund for the current billing period already paid, except as described below.

Cooling-Off Period

• For any new paid subscription or one-time paid feature, you may request a full refund within 48 hours of purchase, provided you have not substantially used the paid feature (e.g., have not generated an AI report, initiated a loan application through a premium tool, etc.).
• Requests after this period, or after substantial use of the feature, will not be eligible for a refund except as required by law or at our sole discretion.

Non-Refundable Circumstances

No refund will be provided where:

• The paid service, report, or feature has already been fully delivered or used
• The subscription period has substantially lapsed
• The account was suspended or terminated due to your violation of our Terms and Conditions
• The request is made after the applicable cooling-off period

Auto-Renewal

• If a subscription includes auto-renewal, we will notify you in advance of the renewal date (as required by RBI's e-mandate / recurring payment guidelines).
• You may turn off auto-renewal at any time before the renewal date to avoid being charged for the next cycle.

If you are charged in error by Birbal (e.g., a duplicate charge, a technical error resulting in an incorrect amount, or a payment debited without successful activation of the paid feature):

• Please report it to us at info@finsagex.com within 15 days of the transaction, along with proof of payment (transaction ID, payment screenshot, bank statement excerpt).
• We will investigate and, where the error is confirmed, initiate a refund to your original payment method within 15 working days of confirming the error, in line with applicable RBI timelines for refund of failed or erroneous digital transactions.
• Refunds will be processed only to the original mode of payment, unless otherwise required by law.

Since Birbal does not issue loans, credit cards, or any financial product, and does not hold or process the funds disbursed or repaid under such products:

• Any cancellation of a loan or card application, cooling-off / free-look period, foreclosure, prepayment, or refund of processing fees, insurance premiums, or other charges is solely governed by the Financial Partner's own policy and agreement with you.
• You should refer to the sanction letter, loan agreement, key fact statement (KFS), or card terms provided directly by the Financial Partner for details on their cancellation and refund process.
• Birbal will, where possible, assist by directing you to the relevant Financial Partner's grievance or support channel, but we do not control, guarantee, or take responsibility for the outcome, timeline, or amount of any such refund.

If Birbal offers you cashback, rewards, or incentives for exploring or availing a Financial Partner’s product through the Platform:

• Such rewards are contingent on the successful completion of the relevant action (e.g., disbursal of a loan, activation of a card) as confirmed by the Financial Partner.
• If the underlying financial product is later cancelled, reversed, foreclosed within a clawback period, or found to involve fraudulent information, Birbal reserves the right to reverse, deduct, or claw back any reward or cashback already credited to you.
• Specific eligibility conditions, if any, for a given reward or cashback offer will be communicated at the time the offer is made.

To request a cancellation or refund for any paid Birbal feature, or to report an erroneous charge:

• Email us at info@finsagex.com with your registered account details and transaction reference.
• Our team will acknowledge your request within 3 working days.
• We will investigate and communicate the outcome within 15 working days.
• If a refund is approved, it will be processed to your original payment method within 15 working days of approval, subject to your bank or payment provider's own processing timelines.

If you disagree with the outcome of a refund or cancellation request, you may escalate the matter to our Grievance Officer as detailed in our Terms and Conditions and Privacy Policy. Disputes that remain unresolved will be subject to the governing law and jurisdiction clause set out in our Terms and Conditions.

We may update this Policy from time to time, particularly as we introduce new paid features. Material changes will be notified to users through the Platform or via email, and the “Last updated” date above will reflect the most recent revision.

For any questions about this Policy, please contact:

Finsagex Technologies Pvt Ltd

By using Birbal’s paid or free features, you acknowledge that you have read and understood this Refund and Cancellation Policy.