01 / CANCELLATION

Loan Application Cancellation

Users may cancel their loan application before approval without any charges. Once the loan is approved and disbursed, cancellation may not be possible.

Applicants should review the applicable loan terms carefully before submission. Cancellation requests should be sent through the registered email address or official support channel. Processing time may vary depending on the application status.

02 / DISBURSAL

Loan Cancellation After Disbursal

Once the loan amount has been disbursed to your bank account, cancellation is not allowed. You may choose to prepay the loan instead, subject to the applicable repayment policy.

Prepayment must include the applicable outstanding principal and charges before closure. Please contact support immediately if you believe the disbursal was made in error.

03 / FEES

Processing Fee Refund

Processing fees are non-refundable once the loan has been approved. If an application is rejected before approval, applicable fees may be refunded according to the relevant policy.

Refund timelines may depend on payment gateway processing. Refunds will be issued to the original payment method. Applicable taxes and third-party charges may not be refundable.

04 / DUPLICATE PAYMENT

Duplicate Payment Refund

In case of a duplicate repayment, users may request a refund by providing supporting payment proof.

The transaction will be verified before the refund is processed. Where applicable, the refund will be credited to the original bank account or payment source. Payment gateway charges may be deducted where applicable.

05 / FAILED TRANSACTION

Failed Transaction Refund

If a transaction fails but the amount is debited, it may be reversed automatically. Bank processing may take approximately 5–7 working days.

Users should check with their bank before raising a complaint. Please provide the applicable transaction ID when contacting support to assist with faster verification.

06 / PREPAYMENT

Early Repayment / Prepayment

Users may repay the loan before the due date without penalty where permitted under the applicable loan terms.

Prepayment must include the full applicable outstanding amount. Confirmation will be provided after successful closure. Specific offers or loan terms may contain different conditions.

07 / PARTIAL PAYMENT

Partial Payment

A partial payment may not close the loan unless the complete outstanding amount has been cleared. Applicable interest or charges may continue on the remaining balance.

Users should contact support before making a partial payment and verify the applicable outstanding amount before proceeding.

08 / REFUND METHOD

Refund Method

Refunds are processed to the original payment source. Bank transfers may take approximately 5–10 working days, while other payment methods may be subject to their respective provider timelines.

Banking or payment provider delays may affect the final credit timeline. Users should ensure that applicable account information is accurate.

09 / NON-REFUNDABLE

Non-Refundable Charges

Processing fees after approval, applicable GST, government charges, late payment penalties and charges for completed services may be non-refundable.

Users should review all applicable fees, charges and loan terms carefully before proceeding with their application or payment.

10 / PAYMENT ERROR

Incorrect Payment Handling

If an incorrect amount is paid, please contact HandyCash support immediately. An excess payment may be adjusted against the applicable outstanding amount or refunded after verification.

Verification time may depend on bank confirmation. Users should retain payment receipts and verify the applicable repayment amount before making a payment.

11 / COMPANY CANCELLATION

Cancellation by Company

Applications may be cancelled due to verification failure, inaccurate information, suspected fraudulent activity or other applicable reasons.

Where a payment has already been collected and is eligible for refund, it will be handled according to this policy. Applicable communication may be provided through email, SMS or other registered contact channels.

12 / TIMELINE

Refund Processing Time

Eligible refunds are generally processed within 7–10 working days. Actual bank processing time may vary.

Weekends, public holidays, banking delays or payment provider processing may affect the final timeline. Users may contact support if an eligible refund remains pending beyond the communicated timeline.

13 / DISPUTES

Dispute Resolution

Users may raise payment or refund disputes through the official HandyCash support channels.

Please provide relevant transaction information and supporting details to assist with the review. Resolution timelines may vary depending on the nature and complexity of the matter.

14 / CHARGEBACK

Chargeback Requests

Users are encouraged to contact HandyCash support before initiating a chargeback so that the transaction can first be reviewed.

Applicable transaction records or supporting information may be provided to the relevant bank or payment provider when a chargeback is raised. Misuse of the chargeback process may be handled in accordance with applicable policies and law.

15 / SERVICES

Cancellation of Services

Users may discontinue use of HandyCash services, subject to any existing loan or contractual obligations.

Service or account cancellation does not waive any outstanding repayment obligation. Account closure requests should be submitted through the official support channel and may require verification.

16 / POLICY UPDATES

Changes to Policy

HandyCash may update this Refund & Cancellation Policy periodically. Revised information will be made available on the website.

Users are encouraged to review this policy periodically. Updated provisions will apply as stated in the revised policy and subject to applicable terms and law.