1. Overview
This policy governs refunds and cancellations for all payments processed through Kredo Lens, operated by Kredo Analytics Private Limited.
2. Payment Lifecycle
Every payment follows: Initiated → Payment Captured → Cooling Period → Invoice Generated.
3. Cancellation During Cooling Period
After payment capture there is a cooling period before the invoice is generated. If you cancel during this window:
- Full refund is issued automatically
- No invoice is generated
- No GST implications
4. Refund After Invoice Generation
If the invoice has been generated, a refund is still possible:
- Email support@kredo.in with your payment ID
- Our team reviews within 2 business days
- If approved, a credit note is issued for GST compliance
- Refund processed via Razorpay to original payment method
5. Refund Eligibility
Eligible: duplicate payment, service not activated, billing error, cancellation within policy. Not eligible: service substantially used, request after 30 days, items marked non-refundable at checkout.
6. Processing Time
- Refund initiation: within 3 business days of approval
- UPI: 1-3 business days
- Cards: 5-7 business days
- Net banking: 5-10 business days
Refunds are always credited to the original payment method.
7. Failed Payments
If a payment fails, no charge is made. Temporary holds are released by your bank within 3-5 business days automatically.
8. Contact
Email: support@kredo.in
Subject: "Refund Request — [Your Payment ID]"