Cancellation & Refund Policy

Introduction

At WizBiz Pvt. Ltd. ("WizBiz," "we," "our," or "us"), we are committed to delivering high-quality financial services with professionalism and integrity. This Cancellation & Refund Policy outlines the terms under which our services may be cancelled and the circumstances under which refunds may be considered.

Please read this policy carefully before availing any of our services. By engaging our services, you acknowledge and agree to the terms set forth in this policy.

Service Cancellation

Users may request cancellation of a service engagement before any work has commenced. A cancellation request must be submitted in writing via email to support@wizbiz.in or through our website's contact form.

If a cancellation request is received before the initiation of any work, document review, consultation, or application process, the user may be eligible for a full refund of the service fees paid, subject to deduction of any applicable processing charges, payment gateway fees, and administrative costs.

No Refund Policy

WizBiz generally does not provide refunds once work has commenced. Specifically, no refund shall be issued under the following circumstances:

• After the preparation of any tax return, GST filing, or compliance document has begun

• After documents submitted by the user have been reviewed, analysed, or processed by our team

• After consultations have been provided by our experts, whether in-person, over phone, or via video conferencing

• After applications have been submitted to banks, financial institutions, government portals, or any third party

• After any fee, charge, or payment has been made to a third party on your behalf

• If the service cannot be completed due to inaccurate, incomplete, or fraudulent information provided by the user

• If the user fails to provide required documents within the specified timeframe, resulting in missed deadlines or abandoned applications

Once our team has allocated resources, initiated processing, or commenced work on your engagement, the service fee becomes fully earned and non-refundable.

Government Fees

Government fees, taxes, stamp duties, filing charges, registration fees, and any other third-party charges paid on your behalf are strictly non-refundable under all circumstances. These include but are not limited to:

• Income tax filing fees paid to government portals

• GST registration and filing fees

• Stamp duty and registration charges for property transactions

• ROC and MCA filing fees

• Bank and NBFC processing fees

• Insurance premium payments

• Any other statutory levies or charges

These charges are remitted directly to the respective authorities or third parties and cannot be recovered once paid.

Loan Applications

Approval of loans depends entirely on banks, NBFCs, and financial institutions. The decision to approve or reject a loan application is at the sole discretion of the lending institution based on their internal credit policies, eligibility criteria, and assessment procedures.

Service fees paid to WizBiz for loan application facilitation are non-refundable regardless of the outcome of the loan application. This applies to all types of loans including home loans, personal loans, business loans, vehicle loans, and any other credit facilities.

We recommend that you review the eligibility criteria and terms of the respective lending institution before engaging our services for loan facilitation.

GST and Tax Filings

Fees for GST registration, GST return filing, income tax return preparation and filing, and other compliance services become non-refundable as soon as the preparation of the filing has commenced. This includes:

• Review and analysis of financial documents

• Preparation of tax computations

• Drafting of returns and statements

• Any communication with tax authorities initiated on your behalf

Once our team has begun working on your compliance engagement, the service fee is considered earned and non-refundable, even if the filing is not ultimately submitted due to your action or inaction.

Investment and Insurance Services

For investment services (mutual funds, SIPs, equity investments) and insurance services, any cancellation will be subject to the terms and conditions of the respective financial institution, asset management company, or insurance provider.

Service fees paid to WizBiz for advisory and facilitation of investments and insurance policies are non-refundable after the initial consultation and recommendation have been provided.

Any refunds from mutual funds, insurance policies, or other investment products will be governed by the exit load, surrender charges, and cancellation terms of the respective product and provider.

Duplicate Payments

In the event of a duplicate or excess payment made by the user due to technical error or oversight, the amount may be refunded after verification. To request a refund for duplicate payment:

• Email us at support@wizbiz.in with details of the duplicate transaction

• Provide transaction references, dates, and amounts

• Allow 7-15 business days for verification and processing

Refunds for duplicate payments will be processed to the original payment method used for the transaction.

Exceptional Circumstances

WizBiz reserves the right to consider refunds solely at its discretion in exceptional circumstances. Each case will be evaluated on its merits, and the decision of the management shall be final and binding.

Exceptional circumstances may include:

• Medical emergencies substantiated by appropriate documentation

• Death of the user or immediate family member

• Natural disasters or force majeure events affecting service delivery

• Clear error or omission on the part of WizBiz in service delivery

Requests for consideration under exceptional circumstances must be submitted in writing with supporting documentation within 7 days of the event.

Refund Processing

If a refund is approved under the applicable terms of this policy, the refund will be processed within 7-15 business days from the date of approval. Refunds will be credited to the original payment method used at the time of transaction.

Please note:

• Payment gateway charges and transaction fees are non-refundable

• International transaction fees, if applicable, are non-refundable

• Currency conversion charges, if any, will be borne by the user

• Refunds may take additional time depending on the processing timelines of banks and payment gateways

Cancellation Request Procedure

To request a cancellation or seek clarification regarding this policy, please follow these steps:

1. Send an email to support@wizbiz.in with the subject line "Cancellation Request - [Service Name] - [Your Name]"

2. Include your registered contact details and service reference number

3. Provide the reason for cancellation

4. Attach any supporting documents, if applicable

Our team will review your request and respond within 3-5 business days.

Contact Information

For any questions, concerns, or inquiries regarding this Cancellation & Refund Policy, please contact us:

WizBiz Pvt. Ltd.
Email: support@wizbiz.in
Phone: +91-XXX-XXX-XXXX
Address: [Registered Office Address], Srinagar, Jammu & Kashmir, India