Refund & Cancellation Policy

1. Overview

TrustivaSetu facilitates healthcare financing by connecting patients and healthcare providers with lending partners for elective and wellness treatments. This Refund & Cancellation Policy explains how cancellations and refunds are handled for loans facilitated through our platform.

2. Cancellation Before Loan Disbursement

You may cancel your loan application at any time before disbursement, free of charge. No cancellation fee applies, and no amount is payable to TrustivaSetu for cancellations made prior to disbursement.

3. Cancellation After Disbursement

If a treatment is cancelled after the loan has been disbursed, the refund is processed by the healthcare provider back into the relevant loan or settlement account. TrustivaSetu coordinates with the lending partner to ensure the refunded amount is correctly applied against your outstanding loan.

4. Refund Timelines

Refunds are typically processed within 2–7 working days of receiving a valid refund request along with the required documents, which include:

• Revised treatment estimate
• Final bill from the healthcare provider
• Cancellation confirmation

5. Right to Withhold or Delay

TrustivaSetu reserves the right to withhold or delay a refund in the following circumstances:

• Incomplete or inconsistent documentation
• Suspected fraud or misrepresentation
• Pending clarification from the patient, provider, or lending partner
• As required under applicable regulatory requirements

6. Role of the Healthcare Provider

The healthcare provider is solely responsible for the delivery and quality of treatment, and for refunding the cost of treatment where applicable. TrustivaSetu only facilitates the coordination of financing between patients, providers, and lending partners, and is not responsible for treatment outcomes or provider-issued refunds.

7. How to Request a Refund or Cancellation

Refund or cancellation requests can be raised through your healthcare provider, or by emailing us at info@trustivasetu.com with your transaction details.

8. Changes to This Policy

We may update this Refund & Cancellation Policy from time to time. The latest version will always be available on this page.