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Refund Policy

What we charge for, when you can get your money back, and how to ask.

Last updated: 8 September 2026

Summary

Using Dymora to find and apply for a loan is free. We sell two paid products alongside it: a one-time Personalised Debt Plan at ₹99, and the Tark AI Assistant at ₹149 a month. Both prices include GST. This page explains the refund terms for those two products. It does not cover fees charged by a lender, which are governed by your agreement with that lender.

What we charge for

  • Personalised Debt Plan: ₹99 one-time, inclusive of 18% GST
  • Tark AI Assistant: ₹149 per month, inclusive of 18% GST, billed on a recurring mandate
  • The Tark subscription can only be started after you have purchased the Personalised Debt Plan
  • Loan facilitation itself is free to borrowers. We are paid a commission by partner banks on successful disbursement
  • We never ask for an upfront fee to process, approve or release a loan. If anyone asks you for one, it is not us

Personalised Debt Plan refunds

  • The ₹99 charge buys a credit bureau pull and an analysis generated from it
  • If we are unable to retrieve your credit report, or the plan is not delivered to your account, you are entitled to a full refund
  • Once the plan has been generated and made available in your account, the service has been delivered and the fee is non-refundable, because the bureau pull it paid for cannot be undone
  • If you were charged more than once for the same plan, the duplicate charge is refunded in full
  • A fresh plan can only be purchased after 30 days. Lenders report to the bureaus on roughly a monthly cycle, so an earlier pull would largely repeat the data you already have

Tark subscription and cancellation

  • ₹149 is charged every month against a UPI Autopay or card mandate until you cancel
  • You can cancel at any time from Settings in your Dymora profile. No phone call or email is required
  • Cancellation takes effect at the end of the billing period you have already paid for. You keep access until then
  • Once cancelled, the mandate stops and no further amount is collected
  • Part-months are not refunded, because access continues for the remainder of the period you paid for
  • If a payment is collected after you cancelled, that amount is refunded in full

How to request a refund

  • Email support@dymora.co.in from the address on your account, with the payment reference and what went wrong
  • We acknowledge refund requests within 2 business days
  • Approved refunds are initiated within 7 business days of approval
  • Refunds are returned to the original payment method only. We cannot redirect a refund to a different account
  • Your bank or card issuer may take a further 5 to 7 working days to credit the amount

What is not refundable

  • A Personalised Debt Plan that has already been generated and delivered
  • Subscription months that have already elapsed
  • Any charge levied by a lender, which is governed by your agreement with that lender and not by this policy
  • Dissatisfaction with a lending decision. We do not control approvals, interest rates or disbursal

What we do not guarantee

  • We do not guarantee loan approval, a particular interest rate, or a disbursal timeline
  • We are a loan facilitator, not a lender or an NBFC. Final decisions rest with the partner bank
  • Paying for a Personalised Debt Plan or a Tark subscription does not improve your chances of loan approval and is not connected to it
  • Your credit score is reported by the bureau. We display and interpret it, we do not set it

Disputes

  • Raise any billing dispute with support@dymora.co.in first, and we will investigate within 7 business days
  • If you are not satisfied with the outcome, escalate to our Grievance Officer, whose details are published on the Privacy Policy page
  • Raising a chargeback with your bank before contacting us usually makes the matter slower to resolve, not faster
  • This policy is governed by Indian law

Contact Information

For any question about a charge or a refund:

Email: support@dymora.co.in

Phone: +91 93108 81366

Address: 4E/9, Jhandewalan Extension, New Delhi, Delhi 110055, India

Policy Updates

We may update this policy. Any change is published on this page with a new revision date at the top. Material changes to the terms of a subscription you already hold will be notified to you before they take effect.