Refund Policy

Effective Date: January 1, 2026

At Failed Cibli Consulting Private Limited, we strive to deliver professional, accurate credit report analysis and strategic consulting to all our clients. Because we offer professional consulting, the guidelines below govern cancellations and refund requests.

1. Scope of Refund Policy

This policy applies to all consulting retainer fees, report audit charges, and advisory service fees collected by Failed Cibli Consulting Private Limited. By engaging our services, you agree to these refund terms.

2. Report Analysis Fees

Fees charged for initial credit report retrieval, manual audit, or structural analysis are **strictly non-refundable** once the analysis report has been generated or delivered to the client. This fee covers our consultants' dedicated time, evaluation systems, and diagnostic work.

3. Dispute Assistance and Consulting Retainers

For ongoing consultation and dispute guidance services, clients may cancel their service agreements under the following guidelines:

• Before Service Inception: If a cancellation request is received within 24 hours of payment and before our team has begun drafting disputes or auditing files, a **full refund (less processing fees)** will be granted.
• After Service Inception: No refunds are provided once our consultants have initiated formal files creation, drafted dispute documents, or contacted lenders/credit bureaus on your behalf.

4. No Refunds Based on Credit Score Outcomes

As clearly detailed in our Terms & Conditions, credit scores are calculated independently by bureaus (CIBIL, Equifax, Experian, CRIF) under regulatory rules. We cannot control bureau operations, and we make no guarantees about specific score changes or loan approvals. Therefore, **refund requests based on the outcome of disputes, score values, or lender rejections will not be entertained**.

5. Requesting a Refund

To request a cancellation or refund under eligible terms, please follow these steps:

• Send an email to info@failedcibli.com with the subject line "Refund Request - [Your Name]".
• Include your transaction receipt, booking reference, date of payment, and specific reasons for the refund request.

Our finance department will review your ticket within 5-7 business days. Eligible refunds will be processed back to the original payment source within 10 working days of approval.

6. Policy Modifications

Failed Cibli Consulting Private Limited reserves the right to modify these cancellation and refund guidelines at its discretion without prior notice. The refund policy in place at the time of your payment transaction will apply to that specific purchase.