Refund Policy
Effective Date: February 25, 2026
At Rupyaa, operated by Omnistack Innovation Private Limited ("we", "us", or "our"), we prioritize transparency, integrity, and customer satisfaction. This Refund Policy outlines our practices and conditions related to refunds for payments made via our platform in connection with the financial services we facilitate. Please read this policy carefully before making any payments through the Rupyaa platform.
Introduction
At Rupyaa, operated by Omnistack Innovation Private Limited, we prioritize transparency, integrity, and customer satisfaction. This Refund Policy outlines our practices and conditions related to refunds for payments made via our platform in connection with the financial services we facilitate.
Nature of Services
Rupyaa is a technology-driven platform that enables users to apply for and manage financial services, including loan applications, through partnerships with regulated financial institutions such as banks and NBFCs. We facilitate service delivery, processing, and user support, but do not directly disburse or collect loans.
Applicability
This Refund Policy applies to any service charges, fees, or payments made by users to Rupyaa or to any financial services facilitated through the platform. This includes application fees, technology usage charges, convenience fees, or third-party verification service charges paid via Rupyaa.
Non-Refundable Fees
Unless otherwise specified, the following payments are non-refundable:
- Loan application processing charges, once the application is submitted.
- Technology usage or convenience fees incurred for using the Rupyaa platform.
- Third-party KYC/verification costs once services are rendered.
- Service charges paid to partner institutions, unless those partners specify otherwise.
Exceptions to Non-Refundability
Refunds may be considered under exceptional circumstances, including:
- Duplicate payments due to a technical error or platform malfunction.
- Transaction failures where the amount was debited but service was not rendered.
- Unauthorised transactions due to platform error (not including cases of user negligence).
All refund requests must be submitted with proof of payment and valid reasoning. Each request will be reviewed on a case-by-case basis, and a decision will be communicated to the user within 10 working days.
Refund Request Procedure
To initiate a refund request, please email us at care@rupyaa.com with the following details:
- Full name and registered mobile number/email ID.
- Date and time of transaction.
- Payment reference number.
- Reason for refund.
- Supporting documents or screenshots (if applicable).
Processing of Approved Refunds
Approved refunds will be processed to the original mode of payment within 7–10 business days. In cases where the original payment method is no longer valid or active, alternate arrangements may be made with the consent of the user.
No Refund for Loan Repayments
Loan repayments made to lending partners through the Rupyaa platform are governed by the terms of the respective loan agreement. Rupyaa is not responsible for refunding EMIs or interest once paid. Any such concerns must be addressed directly to the respective lender.
Contact Information
For queries related to this Refund Policy or to track the status of a refund request, please contact:
Omnistack Innovation Private Limited
79, Ground Floor, World Trade Centre, Babar Lane, New Delhi - 110001, India
Email: care@rupyaa.com
Contact: 85-0309-0309
Policy Amendments
Rupyaa reserves the right to revise this Refund Policy from time to time to reflect changes in regulatory requirements, platform functionality, or user feedback. Updated versions will be published on our Platform with the effective date clearly mentioned.