Refund and Cancellation Policy

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Refund and Cancellation Policy

At UNIK FINANCE, we aim to provide clear communication and customer support throughout our service process. This Refund and Cancellation Policy explains the conditions under which service requests may be cancelled and refunds may be considered.

By using our website or requesting our services, you acknowledge that you have read and understood this policy.

1. Service Cancellation

Customers who wish to cancel a service request should contact our support team as early as possible.

  • Cancellation requests must be communicated through our official contact channels.
  • Cancellation eligibility may depend on the current status of the service request.
  • Requests may be cancelled before the service has been initiated or completed, subject to applicable terms.
  • Once a service has been initiated, processed or completed, cancellation may not be possible.
  • Any applicable cancellation charges will be communicated to the customer before being applied.

2. Refund Eligibility

Refund requests may be considered under circumstances such as:

  • A duplicate payment made for the same service.
  • An incorrect payment received by us.
  • A service payment received where the requested service could not be provided.
  • A cancellation request accepted before the service was initiated.
  • Other circumstances where a refund is required under applicable law or the agreed service terms.

All refund requests will be reviewed based on the payment details, service status and circumstances of the request.

3. Non-Refundable Situations

Refunds may not be available in the following circumstances, subject to applicable law:

  • The requested service has already been completed.
  • The service has been initiated and the agreed work or assistance has been provided.
  • A customer cancels after the service has been completed.
  • Incorrect information supplied by the customer has affected the service.
  • The payment relates to a service that was clearly communicated and accepted by the customer and has already been provided.

Any non-refundable charges or deductions must be disclosed before the customer agrees to the service.

4. Transaction-Related Issues

Credit-card-related transactions may involve banks, card issuers and third-party payment service providers.

If a transaction is declined, delayed, reversed or unsuccessful, the resolution and refund process may depend on the relevant bank or payment provider.

Customers should contact their card issuer or payment provider regarding charges, interest, reversals or disputes appearing on their card or bank statement.

UNIK FINANCE cannot guarantee the processing time or outcome of a reversal or refund controlled by a third party.

5. Refund Request Procedure

To submit a refund request, customers should contact our support team and provide:

  • Full name
  • Registered mobile number
  • Payment date
  • Payment amount
  • Transaction reference or payment receipt, where available
  • Reason for requesting the refund

Our team may request additional information reasonably necessary to verify and review the request.

Customers should never share their card PIN, CVV, OTP or banking password when submitting a refund request.

6. Refund Processing Time

Once a refund request has been reviewed and approved, the refund will be processed through the applicable payment method, where possible.

The time taken for the refunded amount to appear in the customer’s account may depend on the bank, card issuer or payment service provider.

We will communicate relevant refund updates through our available contact channels.

7. Duplicate Payments

If a customer accidentally makes the same payment more than once for a single service, they should contact our support team with the relevant payment references.

After verification, eligible duplicate payments will be reviewed for refund.

8. Changes to Services

If UNIK FINANCE is unable to provide an agreed service, we will communicate the situation to the customer and explain the available resolution, which may include cancellation or a refund where applicable.

Any refund or alternative arrangement will be handled according to the agreed service terms and applicable law.

9. Policy Updates

UNIK FINANCE reserves the right to update or modify this Refund and Cancellation Policy to reflect changes in our business practices, services or applicable legal requirements.

Any revised version will be published on this page with an updated “Last Updated” date.

Customers are encouraged to review this policy periodically.

10. Contact Us

For cancellation requests, refund enquiries or payment-related concerns, please contact us:

Business Name: UNIK FINANCE

Website: https://www.cashagainstcreditcardchennai.in/

Mobile / WhatsApp: +91 72999 27000

Office Phone: 044 4204 1414

Please provide the relevant payment or service reference when contacting our team so that we can review your request.

UNIK FINANCE is committed to handling cancellation and refund requests with transparency and fairness.