Refund Policy

1. INTRODUCTION

This Refund and Cancellation Policy (“Policy”) sets out the terms and conditions relating to the cancellation of services and the refund of fees paid to STATURE CAPITAL (“Company,” “we,” “us,” or “our”).

STATURE CAPITAL provides financial consultancy, corporate finance advisory, debt financing assistance, loan facilitation, project finance consultancy, working capital advisory, financial documentation support, financial structuring assistance, and other related professional and consultancy services.

This Policy applies to clients, prospective clients, businesses, organizations, and other persons (“Client,” “you,” or “your”) who engage STATURE CAPITAL for any paid service.

By engaging our services, making a payment, accepting a proposal, issuing a mandate, submitting documents for processing, or otherwise authorizing STATURE CAPITAL to commence work, you acknowledge that you have read, understood, and agreed to this Refund and Cancellation Policy.

This Policy should be read together with our Terms and Conditions, Privacy Policy, and any applicable engagement letter, proposal, service agreement, mandate, invoice, quotation, authorization, or other written agreement entered into between the Client and STATURE CAPITAL.

Where a separate written agreement contains specific refund or cancellation terms, those specific terms shall apply to that particular engagement to the extent of any inconsistency with this general Policy and subject to applicable law.

2. NATURE OF OUR SERVICES

STATURE CAPITAL primarily provides professional consultancy, advisory, documentation, coordination, and financial facilitation services.

Depending upon the scope of a particular engagement, our work may include:

• Initial consultation and assessment of financial requirements

• Review of business and financial information

• Assessment of funding requirements

• Financial structuring and advisory

• Preparation or review of financial proposals

• Assistance with loan-related documentation

• Preparation and organization of application documents

• Project finance consultancy

• Working capital finance assistance

• Business loan assistance

• Machinery or equipment finance assistance

• Debt restructuring consultancy

• Coordination and communication with banks, NBFCs, HFCs, lenders, financial institutions, consultants, and other relevant parties

• Follow-up and transaction assistance

• Other professional services mutually agreed with the Client

Because our services involve the deployment of professional time, resources, expertise, personnel, documentation work, and coordination efforts, fees may become earned as work is performed.

Accordingly, a refund will not automatically be available merely because a Client decides not to continue with the transaction or because the desired financial outcome is not achieved.

3. PROFESSIONAL AND CONSULTANCY FEES

STATURE CAPITAL may charge one or more types of fees depending upon the nature and scope of the engagement, including:

• Consultation fees

• Professional fees

• Advisory fees

• Documentation charges

• Processing assistance fees

• Retainer fees

• Engagement fees

• Success-based fees

• Transaction-related professional fees

• Other mutually agreed charges

The applicable fees may be communicated through a quotation, proposal, invoice, engagement letter, service agreement, mandate, email, written communication, or another mutually accepted method.

The payment of a professional fee does not constitute a guarantee that any loan, finance facility, investment, credit facility, or other financial transaction will be approved, sanctioned, or disbursed.

4. CANCELLATION BY THE CLIENT

A Client may request cancellation of services by contacting STATURE CAPITAL through the contact information provided in this Policy.

All cancellation requests should preferably be submitted in writing and should include sufficient information to identify the relevant engagement or transaction.

A cancellation request does not automatically entitle the Client to a full or partial refund.

Any refund eligibility will depend upon factors including:

• The nature of the service purchased

• The stage at which the cancellation request is received

• Whether work has already commenced

• The amount of professional work already completed

• Whether documents have already been reviewed or prepared

• Whether an application or proposal has already been prepared or submitted

• Whether communication with third parties has already commenced

• Whether external costs have already been incurred

• The specific terms agreed with the Client

• Any other relevant circumstances

Each eligible refund request may therefore be assessed based on the specific engagement and applicable contractual terms.

5. CANCELLATION BEFORE COMMENCEMENT OF SERVICES

If a Client requests cancellation before STATURE CAPITAL has commenced any substantive work, the Client may request a refund of eligible fees paid.

Where no professional work has commenced and no third-party costs have been incurred, STATURE CAPITAL may, subject to the specific engagement terms and applicable law, approve a full or partial refund.

However, any clearly disclosed non-refundable onboarding, consultation, administrative, assessment, or engagement fee may be deducted where such work or service has already been provided.

Any payment gateway charges, banking charges, taxes that cannot lawfully be recovered, or other actual non-recoverable transaction costs may also be treated in accordance with applicable law and the terms disclosed to the Client.

6. CANCELLATION AFTER WORK HAS COMMENCED

Once STATURE CAPITAL has commenced substantive work on a Client’s engagement, fees attributable to services already performed may become non-refundable.

Work may be considered to have commenced when STATURE CAPITAL has undertaken activities including, but not limited to:

• Conducting detailed consultation or financial assessment

• Reviewing documents submitted by the Client

• Analyzing financial statements or business information

• Preparing financial proposals or documentation

• Structuring a proposed financial transaction

• Preparing or assisting with an application

• Identifying or approaching potential financial institutions

• Communicating with banks, NBFCs, HFCs, lenders, or other third parties

• Submitting an application, proposal, or documents

• Conducting follow-ups or coordination

• Engaging external professionals or service providers

• Performing other agreed professional work

If the Client cancels after such work has commenced, STATURE CAPITAL may deduct fees reasonably attributable to work already completed and costs already incurred.

Any remaining refundable amount, if applicable, will be determined according to the specific engagement terms and applicable law.

7. NON-REFUNDABLE FEES AND CHARGES

Subject to applicable law and any specific written agreement with the Client, the following amounts may generally be non-refundable once the corresponding service has been performed or cost incurred:

• Consultation fees for consultations already completed

• Professional fees for work already performed

• Documentation charges for documents already prepared or reviewed

• Financial assessment or analysis fees after the assessment has been conducted

• Administrative or onboarding charges where the relevant work has been completed

• Fees for services already delivered

• Third-party fees already paid or incurred

• Government or statutory charges

• Valuation fees

• Legal or technical verification charges

• Credit report or credit bureau charges

• Banking or financial institution charges

• Payment gateway or transaction charges where legally non-recoverable

• Taxes or statutory amounts that cannot lawfully be refunded

• Other actual expenses incurred specifically for the Client’s engagement

STATURE CAPITAL will not charge or retain amounts contrary to applicable law or any binding written commitment made to the Client.

8. LOAN OR FINANCE APPLICATION REJECTION

STATURE CAPITAL provides consultancy, advisory, documentation, and facilitation services and does not control the final lending or investment decisions of independent third parties.

The rejection of a loan, finance, credit facility, or funding application by a bank, NBFC, HFC, lender, investor, or financial institution does not automatically entitle the Client to a refund.

Financial institutions independently determine whether to approve or reject applications based on factors including:

• Creditworthiness

• Credit history

• Financial performance

• Eligibility criteria

• Business profile

• Repayment capacity

• Documentation

• Collateral or security

• Internal credit policies

• Risk assessment

• Regulatory requirements

• Market conditions

• Other factors determined by the relevant institution

If STATURE CAPITAL has already performed the agreed professional services, a subsequent rejection by a third-party financial institution will not, by itself, make fees for those completed services refundable.

Any specific written refund commitment linked to a particular outcome will be governed by the terms of that written commitment.

9. NO GUARANTEE OF SANCTION OR DISBURSEMENT

Payment of fees to STATURE CAPITAL does not guarantee:

• Approval of a loan

• Sanction of a requested amount

• Disbursement of funds

• Approval within a specific period

• A particular interest rate

• A specific repayment tenure

• Waiver of collateral requirements

• Acceptance of submitted documents

• Approval from any particular bank or financial institution

The final decision regarding any financial facility remains with the relevant independent financial institution.

Therefore, unless expressly agreed otherwise in writing, professional fees shall not automatically become refundable solely because the Client does not receive the desired sanction, amount, interest rate, terms, or disbursement.

10. CLIENT-CAUSED DELAYS, WITHDRAWAL, OR NON-COOPERATION

A refund may not be available for fees attributable to work already performed where an engagement cannot proceed because the Client:

• Fails to provide required documents

• Provides incomplete or inaccurate information

• Repeatedly delays responses

• Withdraws from the transaction after work has commenced

• Chooses not to proceed with an available financing option

• Does not satisfy the requirements of a financial institution

• Provides false, misleading, fabricated, or altered documents

• Fails to disclose material information

• Becomes unreachable for an unreasonable period

• Directly or indirectly prevents completion of the agreed services

Where appropriate, STATURE CAPITAL may first provide the Client with a reasonable opportunity to provide pending information or documents before treating an engagement as inactive or discontinued.

11. THIRD-PARTY FEES AND EXPENSES

During an engagement, certain fees or expenses may be payable to independent third parties, including:

• Banks

• NBFCs

• HFCs

• Financial institutions

• Valuers

• Lawyers

• Chartered accountants

• Technical consultants

• Credit agencies

• Government authorities

• Registration authorities

• Other professional service providers

Unless expressly agreed otherwise, STATURE CAPITAL does not control the refund policies of independent third parties.

Any refund of amounts paid directly to a third party will be governed by the terms and policies of that third party.

Where STATURE CAPITAL has paid a non-refundable third-party expense on behalf of a Client, such amount may be deducted from any otherwise refundable amount to the extent permitted under applicable law and the applicable agreement.

12. SUCCESS-BASED FEES

Where STATURE CAPITAL and the Client have agreed to a success-based or transaction-linked fee, the conditions governing when such fee becomes payable will be determined by the specific written agreement between the parties.

Depending upon the agreed terms, a success fee may become due upon an identified milestone, such as:

• Sanction

• Approval

• Execution of financing documents

• Disbursement

• Completion of a transaction

• Another mutually agreed milestone

Any refund relating to a success-based fee will be governed by the specific terms applicable to that engagement.

13. DUPLICATE OR INCORRECT PAYMENTS

If a Client accidentally makes a duplicate payment or pays an amount exceeding the amount actually due, the Client should contact STATURE CAPITAL as soon as reasonably possible.

After verification of the transaction, any confirmed excess or duplicate payment will be handled in accordance with applicable law and may be refunded through an appropriate payment method.

STATURE CAPITAL may request transaction details, payment proof, bank information, or other reasonable information required to verify and process the refund.

14. REFUND REQUEST PROCEDURE

To request an eligible refund, the Client should contact STATURE CAPITAL using the details provided below.

The refund request should preferably include:

• Client’s full name

• Registered mobile number

• Email address

• Details of the service purchased

• Date and amount of payment

• Transaction reference, where available

• Reason for requesting the refund

• Relevant supporting documents, if applicable

Refund requests may be sent to:

STATURE CAPITAL
B-2/195, Paschim Vihar
New Delhi – 110063

Email: staturecap.@gmail.com
Phone: +91 981977255

STATURE CAPITAL may request additional information where reasonably necessary to verify the identity of the Client, the relevant payment, and the circumstances of the refund request.

15. REVIEW OF REFUND REQUESTS

Upon receiving a complete refund request, STATURE CAPITAL will review the request based on:

• The services agreed upon

• The amount paid

• Work already completed

• Resources already deployed

• Third-party expenses incurred

• The stage of the engagement

• Communications and agreements with the Client

• Applicable written refund terms

• Applicable laws

Approval or rejection of a refund request will be based on the specific facts and contractual terms of the engagement.

Nothing in this Policy is intended to restrict any mandatory refund or consumer right available under applicable law.

16. REFUND PROCESSING TIME

Where a refund is approved, STATURE CAPITAL will endeavor to initiate the refund within a reasonable period after approval and completion of any required verification.

The time required for the refunded amount to appear in the Client’s account may depend upon:

• The original payment method

• The Client’s bank

• The payment gateway

• Banking holidays

• Technical processing timelines

• Other circumstances outside the reasonable control of STATURE CAPITAL

Where reasonably possible, approved refunds may be processed through the original payment method. An alternative method may be used where necessary and legally permissible.

17. PARTIAL REFUNDS

Where part of the agreed service has already been performed but a portion remains unperformed, STATURE CAPITAL may consider a partial refund where appropriate and required by the applicable engagement terms or law.

Any partial refund may take into account:

• Professional services already provided

• Time and resources already spent

• Documentation already completed

• Work already undertaken

• Third-party expenses

• Taxes and non-recoverable charges

• Other legitimate costs associated with the engagement

The calculation of any partial refund will depend upon the circumstances of the individual engagement.

18. CANCELLATION OR TERMINATION BY STATURE CAPITAL

STATURE CAPITAL may suspend or terminate an engagement where reasonably necessary, including where:

• The Client provides false or fraudulent information

• Illegal activity is suspected

• The Client fails to provide essential documentation

• The Client materially breaches the applicable Terms and Conditions

• Required professional fees remain unpaid

• Continuing the engagement would violate applicable law

• The Client engages in abusive, threatening, or unlawful conduct

• Continuing the engagement creates material legal, regulatory, or operational risk

Where STATURE CAPITAL terminates an engagement for reasons not caused by the Client and substantial prepaid services remain unperformed, any appropriate refund will be assessed based on the applicable agreement, work already performed, expenses incurred, and applicable law.

19. CHARGEBACKS AND PAYMENT DISPUTES

Clients are encouraged to contact STATURE CAPITAL directly regarding any genuine payment dispute before initiating a chargeback or payment reversal.

This allows us an opportunity to review transaction records, services performed, communications, and any potential billing error.

Nothing in this provision prevents a Client from exercising any lawful rights available through a bank, payment provider, court, consumer forum, or other competent authority.

Fraudulent or knowingly false payment disputes may be addressed in accordance with applicable law.

20. PRIVACY OF REFUND INFORMATION

Personal and financial information provided in connection with a refund or cancellation request will be handled in accordance with the STATURE CAPITAL Privacy Policy and applicable data protection laws.

We may process information relating to refund requests for purposes including:

• Identity verification

• Payment verification

• Processing approved refunds

• Fraud prevention

• Accounting and taxation

• Record keeping

• Legal and regulatory compliance

• Dispute resolution

We will endeavor to collect and use only information reasonably necessary for these purposes.

21. RELATIONSHIP WITH TERMS AND CONDITIONS AND PRIVACY POLICY

This Refund and Cancellation Policy forms part of the general terms governing the use of STATURE CAPITAL’s services.

This Policy should be read together with:

1. STATURE CAPITAL Terms and Conditions
These govern the general relationship between STATURE CAPITAL and its clients, including the nature of services, professional fees, client responsibilities, third-party financial institutions, limitations, and other applicable conditions.

2. STATURE CAPITAL Privacy Policy
This explains how personal, financial, and business-related information may be collected, processed, stored, protected, and disclosed.

3. Client-Specific Agreements
A specific engagement letter, service agreement, mandate, proposal, invoice, or other written agreement may contain additional or different refund provisions applicable to a particular service.

Where there is a conflict between this general Refund and Cancellation Policy and a specific written agreement, the specific agreement may prevail for that particular engagement to the extent legally permissible.

22. CHANGES TO THIS POLICY

STATURE CAPITAL reserves the right to review, update, or modify this Refund and Cancellation Policy from time to time to reflect changes in:

• Business practices

• Services offered

• Applicable laws

• Regulatory requirements

• Payment processes

• Internal policies

Any revised version may be published on our website with an updated effective date.

Changes will not be applied in a manner that unlawfully removes rights that have already accrued to a Client.

23. GOVERNING LAW AND JURISDICTION

This Refund and Cancellation Policy shall be governed by and interpreted in accordance with the applicable laws of India.

Subject to applicable law and any mandatory consumer dispute-resolution rights, disputes arising in connection with this Policy or refund and cancellation matters shall be subject to the jurisdiction of the competent courts in New Delhi, India.

24. CONTACT INFORMATION

For cancellation requests, refund requests, payment-related concerns, or questions regarding this Policy, please contact:

STATURE CAPITAL

Business Address:
B-2/195, Paschim Vihar
New Delhi – 110063
India

Email: staturecap.@gmail.com
Phone: +91 981977255

ACKNOWLEDGMENT

By engaging STATURE CAPITAL, making a payment, accepting a service proposal, authorizing us to commence work, or continuing to use our paid services, you acknowledge that you have had an opportunity to review this Refund and Cancellation Policy.

Your eligibility for any refund will be determined according to this Policy, the specific terms agreed for your engagement, the services already performed, expenses already incurred, and applicable law.

STATURE CAPITAL
B-2/195, Paschim Vihar, New Delhi – 110063
Email: staturecap.@gmail.com
Phone: +91 981977255