A. This Refund Policy governs all payment-related transactions made for Finagle Financial Services Private Limited , an RBI Registered non-deposit taking Non Systemically Important NBFC (“Company”, “we”, or “us”) by any individual (“User” or “You”) through the online platform operated by Pi Credit Services Private Limited, via its mobile application or website www.anytimerupee.com (collectively referred to as the “Platform”).
B. By using the Platform to make any payment, whether for processing fees, convenience charges, or other services provided directly by the Company you are deemed to have read, understood, and agreed to this Refund Policy in addition to our Terms and Conditions and Privacy Policy.
C. In the event of any genuine and eligible refund claim, including duplicate transactions or erroneous payments made directly to the Company (not including repayments to Lending Partners), You may submit a written request to care@anytimerupee.com / info@finagle.co.in within a reasonable time. The Company shall verify the transaction, and where a refund is found to be applicable, it will be processed within Twenty-One (21) working days, through the original payment method or any other method deemed appropriate by the Company, subject to applicable law and internal approval.
1. For Charge Back Transaction
1.1 In these Terms and Conditions, the term “Charge Back” shall mean, approved and or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider’s accounts, if any) by the acquiring bank for any reason whatsoever, together with the bank fees, penalties and other charges incidental there to.
1.2 In the event You raise a chargeback request through Your bank or card issuer, you are required to promptly notify the Company by writing to care@anytimerupee.com/ info@finagle.co.in, clearly stating:
a) Transaction ID
b) Date and mode of payment
c) Reason for the chargeback
d) Supporting documentation, (Proof of transaction, Identity/Ownership Proof like PAN, Aadhaar, Passport, etc.to prove account ownership)
1.3 Upon receiving such notification, the Company will Initiate a review of the transaction in coordination with the Payment Service Provider; Communicate with You regarding any additional details required and provide a resolution or clarification within Twenty One (21) working days of verification, wherever feasible.
1.4 Such refund (if any) shall be affected by Company via payment gateway or such other means as Company, deems it appropriate and the refund will be settled in within Twenty-One (21) working days. No claims for refund/ charge back shall be made by any User to the Payment Service Provider(s) and in the event such claim is made it shall not be entertained.
1.5 Users are advised not to raise duplicate or parallel refund claims directly with Payment Service Providers or issuing banks unless specifically required by law. The Company shall not be liable for any delays or denials resulting from parallel claims raised outside its internal process.
2. Refund for fraudulent/duplicate transaction(s)
2.1 The User is obligated to inform Company promptly regarding any fraudulent transaction(s) resulting from the misuse of their card/bank details by a fraudulent individual/party. The User must submit the following details:
a) Proof of transaction (Bank statement showing the disputed transaction or Credit/debit card statement with unauthorized charges highlighted or UPI/Net Banking transaction log from the bank’s mobile app or portal or Payment gateway receipt showing an unfamiliar merchant or payee)
b) Communication Records (Emails or SMS alerts from the bank/payment service confirming the transaction)
c) Dispute Documentation (Written complaint lodged with the bank (acknowledgement copy).
d) Supporting Identity/Ownership Proof (PAN, Aadhaar, Passport, etc.to prove account ownership)
Company will address such matters appropriately in accordance with its policies and regulations.
2.2 Users are advised to secure their account credentials, device, and payment information. The Company shall not be held liable for any loss arising out of negligence, phishing, or third-party compromise unless proven to be caused directly due to a failure on the part of the Platform or its authorized systems.
3. Server Slow Down/Session Timeout
3.1 In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slowdown’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment, ( This can be done by reviewing Your bank statement, SMS alert, UPI app, or email confirmation from the bank )check whether his/her bank account has been debited or not and accordingly resort to one of the following options:
a) In case the bank account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact the company via e-mail or any other mode of contact as provided by company to confirm payment.
b) In case the bank account is not debited, the User may initiate a fresh transaction to make payment.
3.2 The Company and its Payment Service Providers shall make all reasonable efforts to ensure uninterrupted payment processing. However, under no circumstances shall the Company not be liable for technical issues arising out of third-party infrastructure, including banking networks, internet connectivity, or device-level errors and hence no claims should be raised to Payment Service Provider(s). No communication received by the Payment Service Provider(s) in this regard shall be entertained by the Payment Service of Pi Credit Services Private Limited and/or the company. By making a payment through the Platform, you confirm that You have read, understood, and accepted the terms of this Refund Policy in conjunction with the applicable Terms & Conditions, Privacy Policy, and any specific product related agreements You may have executed.
4. Scope of Policy
4.1 This Refund Policy applies solely to transactions made for Finagle Financial Services Private Limited , an RBI Registered non-deposit taking Non Systemically Important NBFC (“Company”, “we”, or “us”) by any individual (“User” or “You”) through the online platform operated by Pi Credit Services Private Limited, via its mobile application or website www.anytimerupee.com (collectively referred to as the “Platform”).
5. Force Majeure
5.1 The Company shall not be held liable for any delay, failure, or disruption in processing payments, refunds, or providing any service under this Refund Policy if such delay or failure results from circumstances beyond the Company’s reasonable control, including but not limited to:
a) Acts of God (floods, earthquakes, storms, natural disasters)
b) Pandemic outbreaks, lockdowns, or public health emergencies
c) Fire, explosion, accidents, or sabotage
d) Strikes, labour disputes, or industrial action
e) Bank holidays, RBI circular-imposed moratoriums, or system-wide outages in payment or settlement infrastructure (e.g., UPI/NPCI, RTGS, IMPS)
f) Power failures, server breakdowns, or network disruptions at the Company, its Payment Service Providers (PSPs), or banking partners
g) Cybersecurity incidents including data breaches, denial of service (DoS) attacks, or malware infections
h) Governmental or judicial actions, embargoes, or regulatory directives affecting payment processing or refunds
In such events, the Company will make reasonable efforts to restore operations and resume processing of refunds as soon as practically possible. However, Users acknowledge and agree that delays caused by Force Majeure events shall not constitute a breach of this Refund Policy or give rise to any claim for damages, interest, or penalties.
6. Policy Updates and Modifications
6.1 This Refund Policy may be amended, updated, or revised from time to time at the sole discretion of the company in accordance with changes in legal, regulatory, or operational requirements.
6.2 Whenever any material change is made to this policy:
a) The revised version will be published on the official website and may be notified in-app or via email, if necessary.
b) The effective date of such changes will be clearly stated at the top of the updated policy document.
c) Continued access to or use of the Platform or its services after the effective date of such updates shall be deemed as Your acceptance of the revised Refund Policy.
6.3 Users are encouraged to periodically review this Refund Policy to stay informed about how refunds are handled and their associated rights and obligations.
7. Grievances
7.1 For any complaint you can also contact our Grievance Officer (Komal Bisht
+91 9026105409
Email: gro@anytimerupee.com, Phone: 9211752207 and/or Mr. Himanshu Gaur Phone: +91 9211752213, Email:grp.atr@finaglenbfc.com