Refund policy

Effective for orders placed from 26 September 2026.

CreditCart is operated by Shivendra Agarwal, sole proprietor trading as Excel Edge Solutions. GSTIN: 23BDQPA1717A1ZA.

We do not offer voluntary refunds or cancellations for change of mind, choosing the wrong pack, deciding not to use a download, or expecting features that were not advertised. Review the card list, formats, edition, device requirements and single-buyer licence before purchasing.

This does not exclude refunds or other remedies required by applicable law, including for defective or deficient products, products materially different from their description, or failure to deliver as agreed. It does not prevent you from reporting an unauthorised or duplicate charge. A blanket “no refunds under any circumstances” rule does not apply.

Report a problem

Contact exceledgesolutions@gmail.com or +91 9301746230 with your order number, the pack name and a description of the issue. We may request reasonable information to investigate. We do not use a ZIP download count as proof of how many files you opened or read.

Where appropriate, we can help recover access or supply a working file. Troubleshooting does not remove a right to a refund or other remedy required by law. Confirmed duplicate charges for the same order will be corrected; valid separate purchases are not automatically duplicate charges.

Refund processing

Where a refund is due, we process it through the original payment route where supported and lawful. We confirm the outcome and transaction reference. The bank or payment provider controls the time for the credit to appear; no fixed bank-credit date is guaranteed. There are no physical return-shipping charges for these digital products.

Complaints and grievance contact

Grievance Officer: Shivendra Agarwal, Proprietor. Email and phone: exceledgesolutions@gmail.com or +91 9301746230. Correspondence: 66, Shree Golden City, Jatkhedi, Misrod, Bhopal, Madhya Pradesh 462026, India. Please identify your order, the issue and the resolution requested. Do not include passwords, PINs, CVVs or full card numbers.

We acknowledge consumer complaints within 48 hours and address them within one month of receipt. We provide a complaint reference for follow-up. These timelines do not shorten any rights or remedies available under applicable law.

These terms do not retrospectively remove a refund entitlement or other commitment attached to an earlier order.