Refund & Cancellation Policy

This Refund & Cancellation Policy explains when you can cancel a payment on CreditSphere and how refunds work. It applies to the CreditSphere website (https://www.creditsphere.in) and app, operated by SERVSHIELD TECHNOLOGY PRIVATE LIMITED (GSTIN 07ABPCS3016B1ZL), and forms part of our Terms & Conditions.

1. Your credit score is free

Checking your credit score on CreditSphere is free. Only the full credit report is a paid, optional purchase.

2. Cancelling before you pay

You can cancel the full report purchase before you complete the payment by closing the payment screen. No money is taken.

3. After the full report is unlocked

The full credit report is a digital product. It is unlocked as soon as your payment succeeds, so it cannot be cancelled or refunded after it is unlocked. Each purchase unlocks one report; a refreshed report is a new purchase.

4. Charged but not unlocked

If you were charged but the report did not unlock, contact us and we will unlock it or refund you in full to your original payment method. Refunds usually show in your bank or UPI app within 5 to 7 working days after we start them.

5. Purchases on iPhone

Purchases made with Apple In-App Purchase on iPhone are refunded by Apple under its own policy. You can request one at reportaproblem.apple.com.

6. How to ask for help

Raise a support ticket from the Support section of the app or website, or email support@servshield.in. Please include the order ID shown on your receipt. If you are not satisfied with our reply, you can contact our Grievance Officer through the details in our Privacy Policy.