Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy (“Policy”) governs the terms and conditions under which refunds, cancellations, reversals, or service credits may be granted for services offered on the WealthSure Platform operated by Rudrriv Solutions Private Limited.

This Policy applies to all users (“User”, “you”, or “your”) who purchase, subscribe to, or avail any services including income tax filing (self or assisted), financial products, insurance facilitation, loan facilitation, and other related services through wealthsure.in.

By accessing the Platform and/or making any payment for services, you acknowledge that you have read, understood, and agreed to be bound by this Policy, along with the Terms and Conditions, Privacy Policy, and any service-specific terms.

This Policy is designed to ensure transparency, fairness, and compliance with applicable laws in India, including the Information Technology Act, 2000 and other relevant regulations governing digital services and financial transactions.

WealthSure reserves the right to modify, amend, or update this Policy at any time. Any changes shall be effective upon publication on the Platform, and your continued use of the services shall constitute acceptance of such changes.

2. General Refund Principles

2.1. All refund requests shall be subject to the terms set out in this Policy and shall be evaluated on a case-by-case basis depending on the nature of the service and the stage of service delivery.

2.2. Refunds shall only be processed where the service has not been fully or substantially delivered, unless otherwise explicitly stated in this Policy.

2.3. Once a service has been initiated, partially delivered, or completed, the same shall be deemed as “consumed,” and refunds may be restricted or denied.

2.4. Any approved refund shall be processed to the original mode of payment used at the time of transaction, unless otherwise required under applicable law.

2.5. Refund processing timelines may vary depending on the payment gateway, banking institution, or financial intermediary, and may typically take between 5 to 10 business days from the date of approval.

2.6. WealthSure reserves the right to deduct applicable charges including, but not limited to, payment gateway fees, processing charges, administrative costs, and service charges for work already performed.

2.7. Refunds shall not be processed in cases involving fraudulent transactions, chargebacks initiated without valid grounds, misuse of services, or violation of the Terms and Conditions.

2.8. You acknowledge that delays caused by third-party service providers, government platforms, financial institutions, or external systems shall not automatically qualify for refunds.

3. Income Tax Filing – Self Filing Plans

3.1. This section applies to users who opt for self-service income tax filing plans, wherein the User independently prepares and files their income tax return using tools provided on the WealthSure Platform.

3.2. A refund shall be eligible only if the purchased filing credit or service has not been used in any manner.

• The user has not initiated return preparation;
• No computation or preview of return has been generated;
• No attempt has been made to file or submit the return;

3.3. Once the User has initiated the filing process, accessed computation, generated summaries, or attempted submission, the service shall be deemed as consumed and non-refundable.

3.4. No refund shall be provided after successful filing or submission attempt, irrespective of outcome, errors, or rejection by any government portal.

3.5. The User is solely responsible for verifying the accuracy, completeness, and correctness of all information before filing. WealthSure shall not be liable for any errors, omissions, or incorrect filings arising from user-provided data.

3.6. Any dissatisfaction arising from misunderstanding of service scope, user error, or incorrect data input shall not qualify for a refund.

4. Assisted Income Tax Filing Services

4.1. This section applies to assisted income tax filing services where WealthSure assigns a tax expert, consultant, or authorised representative to prepare, review, or assist in filing the User’s income tax return.

4.2. A full refund shall be eligible only if a cancellation request is raised and approved before any expert has been assigned to the User’s case.

4.3. Once an expert has been assigned or the service has commenced, the following conditions apply:

• Partial refunds may be granted at the sole discretion of WealthSure, depending on the stage of work completed;
• Applicable deductions may be made for consultation, document review, computation, or any work already performed;

4.4. No refund shall be provided once any of the following stages have been completed:

• Collection and verification of documents;
• Preparation or review of tax computation;
• Draft return preparation;
• Submission or initiation of filing process;

4.5. Any dissatisfaction arising from interpretation of tax laws, expected tax outcomes, refund expectations, or decisions taken based on user-provided data shall not qualify for a refund.

4.6. WealthSure shall not be liable for delays or outcomes dependent on third-party systems, including government portals, and such delays shall not be grounds for refund claims.

5. Refunds for Financial Products

5.1. WealthSure acts as a facilitator, distributor, or referral partner for various financial products and services, including but not limited to mutual funds, SIPs, insurance products, and loan services offered by third-party providers such as banks, NBFCs, insurers, and asset management companies.

5.2. WealthSure does not directly provide or underwrite such financial products and, accordingly, does not control refund, cancellation, reversal, or pricing decisions related to such products.

5.3. Any refund, cancellation, or reversal of financial products shall be governed solely by the terms, policies, and applicable regulations of the respective third-party service provider.

5.4. Without limitation:

• Mutual fund and investment transactions are subject to market risks and regulatory norms and cannot be reversed once executed;
• Insurance products may be eligible for refund only within the “free-look period” as defined by the insurer and applicable IRDAI regulations;
• Loan processing fees, documentation charges, and related costs may be non-refundable as per the lender’s policies;

5.5. WealthSure shall not be liable for any decision, delay, rejection, or outcome related to refunds, cancellations, or claims handled by third-party providers.

5.6. Users are advised to carefully review the terms and conditions, refund policies, and disclosures of the respective third-party provider before proceeding with any financial transaction.

6. Cancellation Policy

6.1. Users may request cancellation of services by submitting a written request to info@wealthsure.in, along with relevant transaction details, service information, and reason for cancellation.

6.2. Cancellation requests shall be considered valid only upon acknowledgement by WealthSure. Submission of a request does not automatically guarantee cancellation or refund.

6.3. Cancellation eligibility shall depend on the nature of the service and the stage of service delivery. Services that have already been initiated, partially delivered, or completed may not be eligible for cancellation.

6.4. In cases where cancellation is approved after partial service delivery, WealthSure reserves the right to deduct applicable service charges, administrative fees, and costs incurred up to the stage of cancellation.

6.5. For third-party financial products (including loans, insurance, and investments), cancellation shall be subject to the respective policies of the third-party provider, and WealthSure shall not be responsible for such cancellations.

6.6. Any delays in cancellation processing caused by incomplete information provided by the User or dependency on third-party systems shall not be attributable to WealthSure.

7. Non-Refundable Cases

7.1. Notwithstanding anything contained in this Policy, refunds shall not be provided under the following circumstances:

• Where the service has been fully or substantially delivered or consumed;
• Where incorrect, incomplete, or misleading information has been provided by the User;
• Where the User fails to provide required documents, data, or cooperation in a timely manner;
• Where delays or issues arise due to third-party service providers, including banks, insurers, lenders, payment gateways, or government portals;
• Where the User changes their mind after initiation of the service;
• Where the dissatisfaction arises from outcomes beyond WealthSure’s control, including tax liability, refund amount, investment performance, loan approval, or insurance approval;
• Where the service is impacted by technical issues outside WealthSure’s control, including network failures, system outages, or regulatory platform downtime;
• Where any fraud, misuse, or violation of Terms and Conditions is detected;
• Where refund requests are made after a reasonable period from the date of transaction without valid justification.

7.2. WealthSure’s decision regarding refund eligibility in such cases shall be final and binding, subject to applicable law.

8. Exceptional Cases

8.1. Notwithstanding the general refund rules, WealthSure may, at its sole discretion, consider refund requests in exceptional circumstances where the User demonstrates a valid and reasonable basis for such request.

8.2. Such exceptional cases may include, but are not limited to:

• Technical errors or system failures attributable to the WealthSure Platform;
• Duplicate or excess payment made by the User;
• Failure to deliver the agreed service due to internal operational issues;
• Incorrect service allocation due to a system or processing error;

8.3. In such cases, WealthSure may offer a full or partial refund, service credit, or alternative resolution, as deemed appropriate.

8.4. The decision to grant a refund under exceptional circumstances shall be made solely by WealthSure and shall be final and binding, subject to applicable law.

8.5. Users may be required to provide supporting documentation, transaction proof, and any additional information necessary for evaluation of such requests.

9. Dispute Resolution

9.1. Any dispute, claim, or disagreement arising out of or in connection with this Refund & Cancellation Policy, including eligibility, processing, rejection, or delay of refunds, shall be resolved in accordance with the Terms and Conditions of Use of the WealthSure Platform.

9.2. Users are encouraged to first contact WealthSure through the designated support channels to seek clarification or resolution of any refund-related concern.

9.3. WealthSure shall make reasonable efforts to resolve refund-related disputes in a fair, transparent, and time-bound manner, subject to internal review processes and applicable laws.

9.4. In the event that a dispute cannot be resolved amicably, the matter shall be governed by the applicable laws of India and subject to the jurisdiction and dispute resolution mechanism (including arbitration, if applicable) as set out in the Terms and Conditions of Use.

9.5. Nothing contained herein shall restrict either party from seeking appropriate legal remedies available under applicable law.

10. Contact for Refund Requests

10.1. All refund, cancellation, reversal, or service credit requests must be submitted in writing to WealthSure at:

Email: info@wealthsure.in
Contact Number: +91-7065000231

10.2. Your refund request must include the following details:

• Full name of the User;
• Registered mobile number and email address;
• Transaction ID or payment reference number;
• Date and amount of payment;
• Service purchased or availed;
• Reason for refund or cancellation request;
• Any supporting documents, screenshots, or communication records.

10.3. WealthSure may request additional information for verification before approving or rejecting any refund request.

10.4. Incomplete, unclear, unverifiable, or unsupported refund requests may be delayed, rejected, or closed without further processing.

10.5. Approved refunds shall be processed in accordance with this Policy and applicable payment gateway or banking timelines.

11. Grievance Redressal for Refund Matters

11.1. If you are not satisfied with the response received for your refund, cancellation, reversal, or service credit request, you may escalate the matter to WealthSure’s designated Grievance Officer.

11.2. The Grievance Officer shall review refund-related grievances in accordance with this Policy, the Terms and Conditions of Use, applicable service-specific terms, and applicable laws of India.

11.3. Contact details of the Grievance Officer are as follows:

Grievance Officer:
Name: Amit Sharma
Address: Tower B3, Spaze i-Tech Park, Sector 49, Gurugram, Haryana 122018
Email: info@wealthsure.in
Contact Number: +91-7065000231