Refund & Cancellation Policy

Last updated: 17 October 2026

This policy explains how subscriptions and credits work, and how you can withdraw unused credits. It applies to payments made to Track Finance (Nord Feron Labs) — not to loans between lenders and borrowers.

1. Credits

Credits are the platform’s fee currency (1 credit = ₹10, or as shown at purchase). They pay Track Finance fees only and are not money lent to borrowers. Credit purchases are generally non-refundable as a reversal of the purchase itself — instead, you can withdraw any unused balance (below).

2. Subscriptions

Paid subscriptions are charged from your credit balance. Subscriptions cannot be cancelled mid-term and are non-refundable once activated. Your plan simply runs to the end of its paid term.

3. Withdrawing unused credits

You can cash out your remaining credit balance at any time from Wallet → Request withdrawal in the app.

• Enter your UPI ID or bank account details and submit. Your balance is placed on hold (shown as held until processed).

• Track Finance verifies the request and pays the equivalent amount (credit balance × ₹10) to the payout details you provided.

• Once paid, your credit balance is set to zero. If a request is declined, the held credits are returned to your balance in full, with the reason shown.

• Payouts are typically completed within 5–7 business days of verification.

Credits consumed as platform fees before a withdrawal request (e.g. for loan creation, searches, or a subscription) are not recoverable — only the unused balance can be withdrawn.

4. Failed or duplicate payments

If you are charged in error, or a payment is debited but credits are not added, contact us and we will reconcile and refund any genuine duplicate/failed charge to the original payment method, typically within 5–7 business days.

5. How to reach us

Email support@trackfinance.online or call +91 9133 555 891. See the Contact page.