All payments are processed via Razorpay on behalf of FinWorkar.
2. General Principles
FinWorkar sells digital services. Once credits or membership benefits are consumed, the corresponding payment becomes non‑refundable.
If a payment is deducted from your bank/UPI card but credits are not reflected in your wallet, you are eligible for restoration or refund (see Section 5).
Refund requests must be raised within 24 hours of the original transaction.
3. Refund Eligibility Matrix
Payment Type
Refund Window
Eligible?
Notes
Wallet Top‑up
Within 24 h
Yes*
*Only if unused balance and full Order ID provided.
Membership Purchase
Within 24 h
Yes*
*Refundable if no membership benefit (extra calls etc.) has been consumed.
Used Call Minutes / Partial Credits
—
No
Consumed digital service cannot be reversed.
4. Non‑Refundable Scenarios
Any portion of wallet balance or membership benefits already utilised