Return & Refund Policy

Introduction

This Return & Refund Policy (“Policy”) sets out the terms and conditions governing refunds in relation to the services provided by SOZO Advisory Private Limited, a company incorporated under the laws of India, having its registered office at Plot No. 487/A, Godhuli, Near Lendra Park, Shankar Nagar, Nagpur- 440010 (“Company”, “we”, “us”, “our”), through its AI-powered personalised payment platform (“Platform”).

The Platform is designed to maximize financial benefits for users by offering personalized credit card recommendations, seamless in-app card issuance (through partner banks/NBFCs/issuers), automated card selection, AI-powered guidance on optimizing rewards, cashback and payments, and simplified expense tracking, including for RuPay credit cards used for UPI payments (“Services”).

By accessing or using the Platform and Services, you (“User”, “you”, “your”) agree to be bound by this Policy.

1. Scope of this policy

1.1 This Policy governs:
a. Refunds relating to subscription fees, service charges or other fees paid by you directly to the Company through the Platform; and b. The process for raising disputes and refund requests for eligible transactions.

1.2 This Policy does not govern:
a. Refunds for purchases of goods and/or services made by you using any credit card, RuPay card, UPI, or any other payment instrument at third-party merchants (online or offline); b. Any charges, interest, penalties or fees levied by your issuing bank, card network, UPI app, or other financial service provider; and c. Any rewards, cashback or benefits offered solely by banks, card issuers, network partners, or merchants.

For such matters, you must directly approach the concerned bank, card issuer, payment service provider or merchant as per their respective policies.

2. Definitions

For the purposes of this Policy:

Platform: Means our mobile application, website, and any related interfaces through which the Services are offered.
Subscription Plan: Means any paid plan or tier that provides access to premium or enhanced features on the Platform.
Fees: Means any subscription charges, service fees, or other charges collected by the Company from Users in connection with the Services.
Transaction: Means any payment, purchase, transfer, or other financial operation initiated by you using a card, UPI, or other instrument, whether or not facilitated or tracked through the Platform.

3. General Principles

3.1 The Platform is an AI-powered decision-support and optimisation tool. It:

Provides recommendations for suitable credit cards based on your profile,
Automates card selection for specific transactions, and
Offers guidance on rewards, cashback and payments.

3.2 The Platform does not itself issue cards, extend credit, process payments or settle transactions. These activities are undertaken by banks, card issuers, payment aggregators, UPI apps and other regulated entities, as applicable.

3.3 As a result:

Refunds related to merchant disputes, failed or duplicate payments, or card billing issues are processed as per the policies of your bank/payment provider and not by the Company.
Company's refund obligations under this Policy are limited to Fees charged by the Company for its Services.