This Refund Policy document is an electronic record in terms of the Information Technology Act, 2000 and rules there under in force, and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000 from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations for access or usage of the internet resource as well as any other application or software run under the brand name “IRA India Reocery Agency” (hereinafter referred to as the “IRA”). This is to inform you about the terms and conditions of refunds that are applicable to internet resources as well as mobile application platforms and any other application or software owned by IRA Recovery Agency (India) Private Limited (“us”, “we”, or “IRA” or “Company”). PLEASE READ THIS REFUND POLICY (“REFUND POLICY”) CAREFULLY. BY ACCESSING THE OR USING IRA SERVICES (INCLUDING MOBILE APPLICATION), YOU AGREE TO BE BOUND BY IT. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS OR USE IRA SERVICE (INCLUDING MOBILE APPLICATIONS). THE HEADINGS CONTAINED IN THIS AGREEMENT ARE FOR REFERENCE PURPOSES ONLY. YOU MAY PRINT A COPY OF THIS REFUND POLICY FOR YOUR RECORDS.


IRA Services provides access to an online platform bringing together consumers, financial institutions, data partners and other partners. In the event You wish to avail any of the Service, you will be required to provide certain information and our representatives may contact You through phone or email to understand Your requirements. For the provision of our Services, we will be using and sharing the information of the User with multiple financial institutions and other parties, as may be required for the purpose of the products and IRA may also run multiple credit checks to be able to get the best available offers to suit the needs of the Users. The collection, storing, use and transfer of information shared by the User shall be governed in accordance with the Refund Policy.


IRA is a company registered under the Companies Act, 2013. Tel No.: 02268492974. IRA is not an organization registered with the Reserve Bank of India and does not hold any license to engage in any activities relating to lending or borrowing. IRA is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. IRA is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India. IRA is a service provider facilitating the access between financial institutes and non-banking finance companies (“Lending NBFC”) willing to lend and person in need of borrowing. The final decision as regards lending and borrowing is also subject to the choice of the respective Users in their respective capacities as lenders / borrowers / users of other financial products. “Lending NBFC” is responsible for the Loan and other facilities provided through our Services.


Due to the digital nature of the Services , we are unable to provide refunds. In most cases you have paid for services and seen the results of using them and received benefits from the efforts or deployment and usage of licensed, online tools or services. However, we DO suggest that if you ARE having issues, you let us try to help you – submit an email support ticket to or call 02268492974 before you decide to cancel. Often it’s a simple fix to get things up and running for you again, or to determine why something broke for you – we’re here to help. If you feel that you were inappropriately charged for a service or product, or would like to speak to someone about a refund for a different reason, please submit an email support ticket to or call 02268492974. Further, any refunds, if applicable within the purview of our refund policy, will be processed over a period of 2-4 weeks subject to the internal clearances and banking procedures. The refund policy is subject to change at the sole discretion of IRA. Suitable announcements will be made on the website and every client is assumed to have updated himself by going through the website periodically. If You continue to use the services after the date on which the change comes into effect, use of such services shall be assumed as your agreement to be bound by the new refund policy.

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