Refunds & Return Policy

Last updated: Oct 4, 2022

Thank you for using Credwise website and Credwise App.
If, for any reason, You are not completely satisfied with a purchase We invite You to review our policy on refunds or withdrawals.

1. Interpretation and Definitions

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Return and Refund Policy:

  • Application or App means the software program provided by the Company downloaded by You on any electronic device, named Credwise
  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Credwise Solutions Pvt. Ltd., HD-037, Wework Cinnabar Hills, Challaghatta, Domlur, Bangalore, Karnataka, India, 560071.
  • Deposit refer to the funds you have transferred into your Credwise account.
  • Service refers to the Application or the Website or both.
  • Website refers to Credwise website, accessible from
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. General returns /replacement policy

Under the Terms & Conditions that Sellers agree upon, products are returnable within the return window if a user receives a product that is physically damaged, has missing parts or accessories, defective or different from their description on the product detail page. All products listed under a particular category may have different returns policy. Users are required to check & verify the return policy before ordering a product.

CREDWISE is only responsible for arranging troubleshooting of the users' complaints and directing the users to the Sellers. The ultimate responsibility of the replacement or refund lies with the Sellers.

Return will only be processed if:

  • It is determined that the product was not damaged while in your possession;
  • The product is not different from what was shipped to you; and
  • The product is returned in condition that it was received including original box, MRP tag, user manual, warranty card and all accessories)

In case a user wants to return an electronic device that stores personal information, the user himself/herself shall be responsible for ensuring that all personal information stored in the device is deleted and the device is returned in factory settings. CREDWISE will not be liable in any manner for any misuse or usage of such information.

For all products, the returns/replacement policy provided on the product page shall prevail over the general returns policy. Do refer the respective item's applicable return/replacement policy on the product page for any exceptions to this returns policy. In certain cases, a product may be ‘non-returnable’. In such cases, the product page will specifically highlight this and the user cannot claim for a return/replacement at a later stage.

In case the Seller is unable to provide a replacement for the product, in that case a refund will be provided.

During a return/replacement pickup, the product will be checked for the following:

  • Correct & complete product: The same IMEI/Name/Brand/Serial number should be clearly visible along with all the accessories etc..
  • The product should be unused, unwashed, unsoiled, without any stains and with non-tampered quality checks/warranty seals (wherever applicable)
  • The product and packaging should not be damaged and should be in the condition that it was received.
  • The pick up executive is free to refuse to accept the product for pick-up in case the above conditions are not met.


You are entitled to seek a refund for any of your purchase (adhering to the above refund policy) through Credwise.
You can inform us for the same:
   By email:
   By phone number: +919079917048


If you have any questions about our Returns and Refunds Policy, please contact us:
By email:
By phone number: +919079917048