Refund and Returns Policy
Last Updated: 27 August 2026
This policy applies to purchases of the Own Brand Loan Agency Program offered by Paisapaid.
The program is primarily a digital/software-based business solution involving technology setup, configuration, onboarding and support.
1. Program Price
The applicable program price will be displayed to the customer before payment.
The standard listed price may be:
₹75,000 + 18% GST
However, promotional pricing, special offers or other applicable commercial pricing may be offered from time to time. The final price displayed on the customer’s checkout page/order confirmation will be applicable to that transaction.
2. Refund Eligibility
A customer may become eligible for a 50% refund of the applicable base program price only if ALL of the following conditions are fulfilled:
Condition 1 — Minimum 100 Eligible Leads
The Admin must process at least 100 Personal Loan and Business Loan leads through the program.
The following will NOT be counted toward the 100-lead requirement:
- Instant Loan
- KYC Loan
- Home Loan
- Credit Card
- Demat Account
- Bank Account
- Other products not specifically classified as Personal Loan or Business Loan
Condition 2 — Minimum 25 Agents
The Admin must add at least 25 Loan Agents to their network through the applicable platform/system.
Condition 3 — Active Business Efforts
The Admin must make genuine and reasonable efforts to operate and develop the Own Brand Loan Agency business.
This may include activities such as:
- Working with agents
- Processing eligible leads
- Following up with customers
- Promoting the business
- Working on available loan opportunities
- Actively using the provided business systems
3. Refund Amount
If the customer successfully fulfills ALL three conditions, the customer may be eligible for a refund equal to:
50% of the applicable base program price
The maximum refund under this policy is 50% of the base program price.
4. No Refund for Failure to Meet Conditions
If the customer does not fulfill all the above conditions, a refund will not be applicable solely because:
- The customer did not generate sufficient business
- The customer did not generate expected commissions
- The customer did not use the platform sufficiently
- The customer did not add the required number of agents
- The customer did not process the required number of eligible leads
5. Loan Approval & Income Disclaimer
The refund policy does not constitute a guarantee of:
- Loan approvals
- Loan disbursements
- Leads
- Customers
- Agents
- Commission
- Revenue
- Profit or business income
Loan approvals and disbursements depend on customer eligibility, lender policies and other factors.
6. Refund After Service Delivery
Once the purchased service has been delivered, activated, configured or made available to the customer, the customer will not be eligible for a refund except where the customer has fulfilled all applicable refund conditions mentioned above or where otherwise required under applicable law.
7. Refund Request
Eligible refund requests must be submitted to:
Email: Support@paisapaid.com
The customer should provide:
- Name
- Registered mobile number
- Registered email
- Order/Transaction ID
- Details demonstrating fulfillment of the applicable refund conditions
Our team may verify the relevant account, CRM activity, lead-processing records and agent records before determining eligibility.
8. Refund Processing
Where a refund is approved, it will generally be processed through the applicable payment method/payment processing system, subject to applicable processing timelines.