Cancellation & Refund Policy

This Cancellation & Refund Policy (“Policy”) governs cancellations, usage plans, or other paid services offered by TommyAndFurry Insurance Broking Private Limited is the brand of Novacred Insurance Broking Private Limited (“TommyandFurry”, “we”, “us”, “our”) through the TommyandFurry (“Services”).

1.1 Cancellation by User

• Cancellation takes effect at the end of the current billing cycle.
• After cancellation, access to the Services will continue until the end of the paid period, unless otherwise specified.

2. Refund Policy

2.1 General Rule

Except as expressly stated below, all fees and payments are non-refundable, including renewals, unused periods, or voluntary cancellations. This is because the Services are delivered immediately and continuously upon payment.

2.2 Refund Eligibility

Refunds may be issued only in the following limited circumstances:

• Duplicate Payment: Identical payments received for the same service.
• Billing Errors: Confirmed technical or billing errors attributable to TommyAndFurry.

2.3 No Refunds For

• Partial use of Services or unused periods.
• Dissatisfaction with the Services after use.
• Failure to cancel before the next billing cycle.
• downgrades or plan changes during a paid period.

3. Cancellation by TommyAndFurry

• TommyAndFurry reserves the right to suspend or terminate access to the Services for violations of terms or misuse.
• If termination occurs due to breach of the Terms of Use, no refund will be issued.
• Where applicable, TommyAndFurry may, at its sole discretion, issue partial refunds for cancellations initiated by TommyAndFurry, calculated on a prorated basis.

4. Method & Timing of Refunds

• Approved refunds will be credited to the original payment method used.
• Refund timelines may vary based on payment provider policies.

5. Amendments to this Policy

TommyAndFurry reserves the right to update or modify this Policy at any time. Revised policies will be published on the TommyAndFurry website with an updated “Last Updated” date.

The updated Policy will apply to all customers, including existing and previous users. Continued use of the Services constitutes acceptance of the revised terms.