Refund Policy

Last Updated: 01 January, 2026

At Smart Wealth Hub, we are committed to providing transparent and client-centric financial and insurance advisory services. This Refund Policy outlines the circumstances under which refunds may or may not be applicable.

Nature of Services

Smart Wealth Hub primarily offers professional advisory, consultation, documentation assistance, and facilitation services related to insurance and financial products. Fees charged are for advisory expertise, time, and service effort, and not for the financial products themselves.

Refund Eligibility

Refunds may be considered only under the following circumstances:

A payment has been made in error (duplicate payment or incorrect amount), and the request is raised within 7 working days of the transaction.
A service has been paid for but not initiated or rendered due to reasons solely attributable to Smart Wealth Hub.
A refund is required due to a technical error on the website or payment gateway.

All refund requests must be supported with valid transaction details and proof of payment.

Non-Refundable Cases

Refunds shall not be applicable in the following situations:

Services already rendered, partially or fully, including consultations, documentation support, or advisory discussions.
Client dissatisfaction arising from personal expectations, change of mind, or decision not to proceed after availing advisory services.
Rejection, delay, modification, or cancellation of insurance or financial products by insurers, AMCs, banks, or regulatory authorities.
Market-linked products where performance is subject to market risks.
Any third-party charges, taxes, or statutory fees once paid.

Cancellation Policy

Service cancellation requests must be submitted in writing before the service has commenced. Once service delivery has started, cancellations will not be eligible for a refund.

Refund Processing

Approved refunds will be processed within 7–10 working days from the date of approval.
Refunds will be credited to the original mode of payment only.
Smart Wealth Hub shall not be responsible for delays caused by banks, payment gateways, or third-party service providers.

Regulatory Disclaimer

Smart Wealth Hub does not guarantee approval, performance, returns, or outcomes of any insurance or financial product. All products are subject to the terms, conditions, and approval of the respective insurers, financial institutions, and regulatory bodies.

Changes to This Refund Policy

Smart Wealth Hub reserves the right to modify or update this Refund Policy at any time without prior notice. Any changes will be effective immediately upon posting on the website.

Contact Us

For refund-related queries or requests, please contact us at:

Email: smartwealthhub2025@gmail.com

Website: http://smartwealthhub.page.gd/