Payment and Refund Policy

Effective Date: 31-03-2026

Welcome to Creadxmoney.

Creadxmoney is owned and operated by NEXT STOP ON TOP INDIA PRIVATE LIMITED (the “Company”). References to “Creadxmoney”, “we”, “us”, or “our” refer to NEXT STOP ON TOP INDIA PRIVATE LIMITED.

This Payment and Refund Policy explains the terms applicable to payments made by users for services provided through the Creadxmoney platform.

1. Payment Acceptance

By making any payment on Creadxmoney, you agree that:

• The payment is made voluntarily for the selected service.
• All payment details provided by you are accurate and complete.
• You authorize us and our authorized payment partners to process the transaction.

2. Nature of Payment

Creadxmoney provides financial service discovery and loan eligibility assistance services.

Payments made on the platform may include charges related to:

• Service fees
• Processing fees
• Platform charges
• Other applicable service-related charges

Payment does not guarantee loan approval, disbursement, or any financial product approval.

Loan approval decisions are solely made by respective lenders or financial institutions.

3. Non-Refundable Payments

All payments made towards any service provided by Creadxmoney are non-refundable.

Once a payment has been successfully completed:

• The amount cannot be cancelled or reversed.
• No refund will be issued due to loan rejection, delay, change of mind, or non-acceptance by any lender.
• Payments made for completed or initiated services shall not be eligible for refund.

4. Refund Exceptions

Refunds may only be considered in exceptional cases, such as:

• Duplicate payment due to technical error
• Payment deducted but service not activated due to system failure
• Any transaction issue verified by our team

Any approved refund will be processed after verification and may take reasonable time depending on the payment gateway and banking channels.

5. Payment Gateway Charges

Any charges, fees, or deductions applied by payment gateways, banks, or third-party providers may not be refundable.

6. Third-Party Services

Creadxmoney is not responsible for:

• Failures caused by banks, payment gateways, or third-party platforms
• Delays in payment processing
• Incorrect payment details provided by users

7. User Responsibility

Users are responsible for:

• Reviewing service details before making payment
• Ensuring correct information is provided
• Keeping payment confirmations and transaction details

8. Cancellation Policy

Requests for cancellation after successful payment cannot be accepted once the service process has started.

9. Changes to Policy

Creadxmoney reserves the right to update or modify this Payment and Refund Policy at any time without prior notice.

10. Governing Law

This Payment and Refund Policy shall be governed by the laws of India.

11. Contact Us

For any payment-related queries:

📧 developer@nsot.co.in

Operated by NEXT STOP ON TOP INDIA PRIVATE LIMITED