Refund Policy

Overview
Digital Product Policy
When We Will Refund
When We Will Not Refund
How to Request a Refund
Refund Timeline
Chargebacks & Disputes
Cancellations
Force Majeure
Consumer Protection Rights
Contact

Our commitment: If something went wrong with your purchase or you genuinely couldn't access what you paid for — email us and we will make it right. We stand behind our product completely.

1. Overview

FindARisk sells digital inspection checklists delivered electronically and immediately upon payment. Because our products are digital and access is granted instantly, our refund policy is necessarily different from physical product returns.

This policy is designed to be fair to customers while protecting against abuse. It complies with the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, and applicable RBI guidelines for digital payment disputes.

We handle all refund requests on a case-by-case basis. When in doubt, we err on the side of the customer.

2. Digital Product Policy

All FindARisk products are:

Digital in nature — no physical delivery
Delivered instantly and permanently upon successful payment
Accessible 24/7 via your registered account at findarisk.com
Non-expiring — once purchased, access is permanent

Because digital access is granted immediately and the product cannot be "returned" in the traditional sense, refunds are governed by the specific circumstances below rather than a blanket return window.

      Note: The commencement of digital delivery begins the moment your payment is confirmed and access is granted to your account. By proceeding with payment, you acknowledge and consent to the immediate commencement of the digital service.
    

3. When We Will Issue a Full Refund

You are entitled to a full refund in the following situations:

Payment charged but no access granted: Your payment was deducted but the checklist did not unlock in your account
Duplicate charge: You were charged more than once for the same product
Technical failure: A confirmed bug or technical error on our platform prevented you from accessing or using the product
Wrong product delivered: You purchased one product but were given access to a different one
Unauthorised transaction: You did not authorise the payment and can demonstrate this credibly

Refund requests under this section must be raised within 30 days of the original transaction date.

4. When We Will Not Issue a Refund

Refunds will not be issued in the following circumstances:

You accessed and used the checklist and then decided you didn't need it
You purchased the product after already making a vehicle purchase decision
You claim the checklist "didn't work" but cannot identify a specific technical defect
You changed your mind about the vehicle inspection
You purchased the wrong product (e.g. New Car PDI instead of Used Car PDI) — please contact us before purchasing if you are unsure which is right for you
Your purchase was more than 30 days ago and no technical failure is evident
You are attempting to circumvent our purchase gate by claiming a refund after access

Fraudulent refund claims: Attempting to obtain a refund through false claims, including fraudulent chargebacks with your bank, while retaining access to our products constitutes fraud. We reserve the right to permanently ban accounts engaging in such activity and to pursue recovery through appropriate legal channels.

5. How to Request a Refund

To request a refund, email us at support@findarisk.com with the following information:

Subject line: "Refund Request — [Your registered email]"
Your registered email address
The product you purchased
Date of purchase (approximate is fine)
Razorpay payment ID if available (starts with "pay_")
A clear description of the issue you experienced

We will acknowledge your request within 2 business days and provide a resolution within 7 business days.

We may ask for additional information such as screenshots or screen recordings to verify technical issues. We appreciate your cooperation in providing these — it allows us to resolve your case faster and improve our platform.

6. Refund Timeline

Stage	Timeframe
Acknowledgement of refund request	Within 2 business days
Decision communicated to you	Within 7 business days
Refund initiated (if approved)	Within 2 business days of approval
Credit to original payment method	5–10 business days (depending on bank/payment provider)

Refunds are processed back to the original payment method (card, UPI, netbanking) used for the transaction. We cannot process refunds to a different payment method.

In some cases, Razorpay's processing timelines may affect when the refund appears in your account. If you do not see the refund after 10 business days from approval, please contact your bank before reaching out to us.

7. Chargebacks & Payment Disputes

A chargeback is when you dispute a transaction directly with your bank or card issuer rather than requesting a refund from us.

We strongly encourage you to contact us at support@findarisk.com before initiating a chargeback. In most cases, we can resolve the issue faster than a formal bank dispute process.

If you initiate a chargeback:

Your account access will be suspended immediately pending investigation
We will submit evidence of purchase and digital delivery to your bank or Razorpay
If the chargeback is found to be fraudulent or unjustified, your account will be permanently terminated
We reserve the right to recover chargeback fees and administrative costs in cases of unjustified disputes

Legitimate chargebacks (e.g. genuine unauthorised transactions) will be resolved in your favour and your account will not be penalised.

8. Cancellations

FindARisk does not offer subscriptions — all purchases are one-time payments. There is nothing to cancel once a purchase is made.

If you wish to close your account, email us at support@findarisk.com. Account closure does not entitle you to a refund for previous purchases. Your purchase records will be retained for the statutory period as required by Indian law.

9. Force Majeure

FindARisk shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to:

Acts of God, natural disasters, or pandemics
Government actions, regulations, or sanctions
Internet or infrastructure failures beyond our control
Third party service outages (Supabase, Razorpay, Netlify, etc.)
Cyberattacks or data breaches affecting third party services

In genuine force majeure situations affecting your access to a purchased product, we will extend your access period or provide an alternative remedy at our discretion.

10. Consumer Protection Rights

This Refund Policy does not limit or exclude any rights you have under the Consumer Protection Act, 2019 or other applicable Indian consumer protection legislation. If you believe your consumer rights have been violated, you may:

File a complaint with us directly at support@findarisk.com
File a complaint on the National Consumer Helpline at 1800-11-4000
File a complaint on the Consumer Online Resource and Empowerment Centre at consumerhelpline.gov.in
Approach a Consumer Disputes Redressal Commission (Consumer Forum) in your jurisdiction

We are committed to complying with all applicable consumer protection laws and will cooperate fully with any consumer forum or regulatory authority.

11. Contact Us

For all refund-related queries:

Email: support@findarisk.com
Subject line: "Refund Request — [Your email]"
Response time: Within 2 business days

We are a small team that genuinely cares about your experience. If something went wrong, tell us — we'll fix it.

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