Effective Date: February 25, 2026
This Cancellation Policy (“Policy”) explains the terms and conditions applicable to cancellation requests for services accessed through Rupyaa, operated by Uptime Innovation Private Limited (“we”, “us”, or “our”).
By accessing the Rupyaa platform or initiating any transaction through it, you acknowledge and agree to the terms of this Policy, including any updates made to it from time to time.
Rupyaa operates as a technology platform that enables users to access credit and other financial products offered by regulated financial institutions, including banks and Non-Banking Financial Companies (“Lending Partners”).
Rupyaa does not independently approve, sanction, or disburse loans. All decisions regarding loan eligibility, approval, disbursement, interest rates, charges, and other loan terms are determined solely by the applicable Lending Partner in accordance with its policies and applicable law.
You may request cancellation of a loan application submitted through Rupyaa at any time before the loan receives final approval or is disbursed by the applicable Lending Partner.
Cancellation requests may be submitted through your registered account or by contacting our customer support team at care@rupyaa.com.
If your loan application has already been forwarded to or is being processed by a Lending Partner, cancellation will be governed by that Lending Partner’s internal policies and procedures.
Rupyaa cannot guarantee that an application can be cancelled once it has entered the Lending Partner’s review or approval process.
Once the approved loan amount has been credited to your bank account, the loan transaction cannot ordinarily be cancelled.
If you no longer wish to use the disbursed amount, you may repay the outstanding loan amount together with any applicable interest, fees, or charges in accordance with the loan agreement entered into with the Lending Partner.
Any early repayment, prepayment, or foreclosure may be subject to conditions, fees, or charges specified by the applicable Lending Partner.
If you have opted for any additional or ancillary services through the Rupyaa platform, such as insurance products, value-added financial tools, verification services, or other third-party offerings, cancellation of those services will be governed by the terms and conditions of the respective service provider.
Where reasonably possible, Rupyaa may assist you in coordinating with the relevant third-party provider regarding your cancellation request.
Processing fees, administrative charges, verification fees, or other non-refundable charges already incurred or paid may not be refundable in the event of cancellation.
Where a fee or charge has been collected directly by a Lending Partner or third-party service provider, you may be required to contact the relevant entity directly for clarification, cancellation, or refund-related assistance.
If you are eligible for a refund, the approved amount will generally be processed to the original payment method within 7 to 10 business days, subject to the processing timelines of the relevant bank, payment gateway, or financial institution.
Refunds will generally not be available for services that have already been fully provided or partially completed before the cancellation request was received.
Any refund will also remain subject to the applicable terms of the relevant Lending Partner or third-party service provider.
Rupyaa is not a lender.
Our role is limited to providing a technology platform that facilitates communication, application processing, and access to financial services offered by Lending Partners.
Rupyaa is not responsible for independent decisions made by Lending Partners regarding loan approval, rejection, disbursement, servicing, or cancellation.
Once an application or loan has been transferred to or processed within a Lending Partner’s systems, the applicable Lending Partner’s policies and terms will govern the relevant transaction.
Rupyaa may amend, revise, or update this Cancellation Policy from time to time to reflect changes in applicable laws, regulatory requirements, business practices, operational processes, or the Services.
The updated version of this Policy will be published on the Rupyaa platform together with the applicable effective date.
Your continued use of Rupyaa Services after an updated Policy becomes effective will constitute acceptance of the revised terms.
For assistance regarding cancellation requests, please contact:
Uptime Innovation Private Limited
79, Ground Floor, World Trade Centre,
Babar Lane, New Delhi – 110001, India
Email: care@rupyaa.com
Contact: 85-0309-0309