Refund and Cancellation Policy

1. Overview

At Fintop Loan, a brand operated by Fintop Financial Services, we aim to provide transparent and reliable financial services to our customers. This Refund and Cancellation Policy explains the circumstances under which applications, service requests, fees, and transactions may be cancelled or refunded. By using our website or services, you acknowledge and agree to the terms of this policy.

2. Cancellation of Loan/Application Requests

Customers may request cancellation of a loan application or service request by contacting us at [email protected].

• •If the application has not yet been processed, we will make reasonable efforts to cancel the request.
• •If processing has already commenced, cancellation may not be possible.
• •If a loan has already been approved, disbursed, or otherwise completed, the request may no longer be eligible for cancellation under this policy.
• •Cancellation requests must be made using the contact details associated with the application, where applicable.

3. Refunds

Any applicable refund will depend on the nature of the payment and the stage at which the relevant service has been provided. Where a payment is eligible for a refund:

• •The customer must contact us at [email protected] with the relevant transaction details.
• •We may verify the payment and circumstances of the refund request before processing it.
• •Approved refunds will generally be returned through the original payment method, subject to the applicable payment provider's processing timelines.
• •Certain fees or charges may be non-refundable where the associated service has already been provided, to the extent permitted by applicable law.

4. Incorrect or Duplicate Payments

If you believe that you have made an incorrect, duplicate, or otherwise unauthorized payment, please contact us as soon as possible at [email protected]. Please include your name, registered contact details, transaction/reference number, payment date and amount, and a brief description of the issue. We will review the matter and take appropriate action in accordance with applicable law and our internal procedures.

5. Processing of Approved Refunds

Once a refund is approved, the time required for the amount to appear in your account may depend on your bank, card issuer, payment gateway, or other payment service provider. Fintop Financial Services is not responsible for delays caused by third-party financial institutions or payment processors after a refund has been initiated.

6. Non-Refundable Charges

Where applicable, charges for services that have already been fully performed may not be refundable, subject to applicable law and the specific terms communicated to the customer before payment. Any applicable fees, charges, or deductions will be disclosed to the customer in accordance with applicable requirements.

7. Changes to Applications or Services

If you wish to modify or cancel a request after submitting it, please contact our support team promptly. We will consider the request based on the current status of the application or service and applicable terms.

8. How to Request a Cancellation or Refund

To submit a cancellation or refund request, email [email protected] with the subject line "Refund/Cancellation Request" and provide sufficient information for us to identify your application or transaction.

9. Policy Updates

Fintop Financial Services reserves the right to update or modify this policy from time to time. Any changes will be published on this page and will apply from the stated effective date.

10. Contact Us