Refund & Cancellation Policy

Effective Date: 06 September 2026 This Refund & Cancellation Policy applies to digital services, software, business solutions, and the Own Brand Loan Agency Program provided by Fivekcr Technologies Pvt. Ltd., operating under the brand name Paisapaid. By purchasing or registering for our services, you acknowledge and agree to the terms below. 1. Company Details Brand Name: Paisapaid Legal Company Name: Fivekcr Technologies Pvt. Ltd. Address: 18th Milestone, 1st Floor, Sector 15, Faridabad, Haryana – 121003, India Email: Support@paisapaid.com Phone / WhatsApp: +91 9910918290 2. Nature of the Service Paisapaid primarily provides digital and technology-based services, including, depending on the selected package: Own Brand Website Own Brand Mobile App CRM Admin Panel Agent/Advisor Panel Loan Agent Management Lead Management Loan Lead Machine Credit Report Business Tools Financial Product/Lender Ecosystem B2B & B2C Business Infrastructure Loan Management / Self-Funding CRM KYC & Document Management Reports & Analytics Business onboarding and support Since these are primarily digital services, there is generally no physical product or physical shipment involved. 3. Cancellation Before Service Activation A customer may contact Paisapaid regarding cancellation before substantial service delivery, configuration, development, onboarding, or activation has commenced. Cancellation requests will be reviewed based on the stage of service delivery and the applicable commercial terms. Submitting a cancellation request does not automatically guarantee a refund. 4. No-Refund After Service Delivery / Activation Once the purchased service has been: Delivered Activated Configured Developed Made available Onboarded Or substantial work has commenced the payment will generally be non-refundable, except where a refund is specifically available under the conditions mentioned in this Policy or where required by applicable law. 5. Special Refund Eligibility Paisapaid may provide a specific refund opportunity for eligible customers under the following conditions. A customer may become eligible for a refund only when ALL of the following conditions are fulfilled: Condition 1 — 100 Eligible Loan Leads The Admin must process at least 100 eligible Personal Loan + Business Loan leads through the applicable system/business process. Only Personal Loan and Business Loan leads will be counted for this condition. The following will NOT be counted toward the 100-lead requirement: Instant Loan KYC Loan Home Loan Credit Card Demat Account Bank Account Insurance Other financial products/services Condition 2 — Minimum 25 Agents The Admin must add at least 25 Loan Agents/Advisors to the applicable system and actively use the agent network. Condition 3 — Genuine Business Efforts The customer must demonstrate genuine and active efforts to operate and develop the business. This may include activities such as: Working on leads Following up with customers Managing agents Processing applications Marketing/business development Using the provided CRM and business tools Simply purchasing the program or creating an account does not qualify as active business effort. 6. Maximum Refund Amount If all applicable refund conditions are successfully fulfilled and the refund is approved, the maximum refund will be 50% of the applicable base program/service price. Applicable GST or other taxes will be treated according to applicable law and the original transaction structure. The refund amount will not exceed the maximum amount specified above. 7. Refund Verification Before approving a refund, Paisapaid may verify: Number of eligible leads processed Type of leads processed Agent count CRM activity Lead/application records Business activity Relevant system reports Other information reasonably required to verify compliance with the refund conditions The customer's claim must be supported by genuine and verifiable activity within the applicable Paisapaid systems/processes. 8. Lead Eligibility For the purpose of the refund condition, only genuine and eligible Personal Loan and Business Loan leads will be considered. Duplicate, fake, incomplete, test, spam, self-generated, manipulated, or otherwise invalid records may be excluded from the calculation. Paisapaid's system records and verification process may be used to determine eligibility. 9. Agent Eligibility The minimum requirement is 25 genuine Loan Agents/Advisors. Fake, duplicate, test, inactive, or artificially created accounts may not be considered valid agents for the purpose of the refund condition. Paisapaid may verify agent activity and account authenticity. 10. No Automatic Refund Meeting individual conditions does not automatically result in a refund. The customer must: Complete all applicable conditions. Submit a refund request. Provide any information reasonably required for verification. Successfully pass the eligibility verification process. Once verification is completed, Paisapaid will communicate the outcome of the refund request. 11. Refund Processing Where a refund is approved, it will generally be processed through the applicable payment method or another appropriate method permitted under applicable payment-processing requirements. Processing time may depend on: Internal verification Payment gateway/banking processes Customer's payment method Banking holidays Technical processing time 12. Cancellation Due to Misuse or Violation Paisapaid reserves the right to suspend or terminate access to its services where a customer is found to be involved in: Fraud Misrepresentation Unauthorized financial activities Data misuse Fake leads Fake agents Abuse of the platform Illegal activities Violation of Terms & Conditions Such suspension or termination may affect eligibility for any promotional refund program, subject to applicable law. 13. Third-Party Services Certain Paisapaid features may depend on third-party services, APIs, lenders, banks, NBFCs, payment providers, communication platforms, or other external systems. Failure, downtime, policy changes, rejection, suspension, or discontinuation by a third party does not automatically create a refund entitlement. 14. Loan Approval & Disbursement Refund eligibility is not based on the number or value of loans approved or disbursed. Paisapaid does not guarantee loan approvals, loan disbursements, commissions, income, or business revenue. The special refund condition is based on the specific requirements stated in this Policy. 15. Non-Refundable Situations Except where required by applicable law or where the customer qualifies under the specific refund conditions above, payments may not be refundable in circumstances including: Customer changes their mind after activation Customer does not use the software Customer does not generate sufficient business Customer does not obtain loan approvals Customer does not receive expected commissions Customer does not generate expected income Customer fails to recruit agents Customer fails to process the required eligible leads Customer provides incorrect information Customer does not complete onboarding requirements Customer stops using the service after activation 16. Customer Responsibility Before purchasing, customers are responsible for understanding the nature of the service, business model, applicable requirements, and refund conditions. Customers should not purchase the program based solely on expected income, commissions, testimonials, or business projections. Individual business results may vary. 17. How to Request Cancellation or Refund For cancellation or refund-related requests, contact: Email: Support@paisapaid.com Phone / WhatsApp: +91 9910918290 Please include: Full Name Registered Mobile Number Email Address Transaction/Payment Details Reason for Cancellation/Refund Relevant supporting information, where applicable 18. Policy Changes Paisapaid may update this Refund & Cancellation Policy from time to time to reflect changes in its services, business practices, payment processes, or applicable legal requirements. The updated version will be published on this page with a revised effective date. 19. Contact Us Fivekcr Technologies Pvt. Ltd. Brand: Paisapaid 18th Milestone, 1st Floor, Sector 15, Faridabad, Haryana – 121003, India Email: Support@paisapaid.com Phone / WhatsApp: +91 9910918290 Support Hours: Monday–Saturday, 10:00 AM–7:00 PM