ZeroGoldLoan Refund Policy
At ZeroGoldLoan, we strive to ensure a transparent and customer-centric approach in all our financial transactions. Please familiarize yourself with our refund policy to understand the terms and conditions associated with refunds for our gold loan services:
1. Interest Refund:
– ZeroGoldLoan operates on a unique model where we do not charge any interest on our gold loans. Therefore, there are no interest-related refunds.
2. Storage Charges:
– We charge minimal storage fees during the loan period, covering the safekeeping of your gold assets. In the event of a premature closure or early repayment of the loan, the storage charges for the unused period may be refunded.
3. Loan Repayment Refunds:
– If you have made an excess payment or have overpaid your outstanding loan amount, the surplus amount will be promptly refunded to you. Please ensure to provide accurate details for a smooth refund process.
4. Refund Processing Time:
– Refunds, if applicable, will be processed within 60 business days from the date of the refund request. The actual time for the refund to reflect in your account may vary depending on your bank’s processing times.
5. Refund Request Procedure:
– To request a refund, please contact our customer support team at info@zerogoldloan.com. Provide relevant details, including your loan account number, the reason for the refund, and any supporting documents.
6. Refund Eligibility:
– Refunds will be considered in accordance with the terms and conditions outlined in your loan agreement. Any deviation from these terms may affect refund eligibility.
7. Non-Refundable Items:
– Certain fees and charges, such as processing fees and appraisal charges, are non-refundable. Please refer to your loan agreement for a comprehensive list of non-refundable items.
8. Cancellation of Loan Application:
– If you choose to cancel your loan application before disbursement, any applicable fees will be communicated, and the remaining amount, if any, will be refunded.
9. Policy Updates:
– ZeroGoldLoan reserves the right to update or modify the refund policy at any time. Customers will be notified of any changes through our official communication channels.
For further clarification or assistance regarding our refund policy, please reach out to our customer support team. We are committed to providing excellent service and ensuring a seamless experience for all our customers.
Thank you for choosing ZeroGoldLoan.
