Shipping and Returns Policy:
Effective Date: 08 May 2026
Cherut Kapitals is a financial service facilitation company and does not sell, supply, dispatch, or deliver any physical goods, merchandise, equipment, or tangible products through this website. Accordingly, no physical shipping, courier dispatch, product delivery, return pickup, replacement shipment, or exchange logistics are applicable to any transaction made on this website.
All payments made on this website are collected only towards loan application form fees, documentation handling charges, administrative review, and preliminary verification support in connection with loan sourcing and related financial services. Since the nature of the service is application processing and document support, there is no sale of any physical item to the customer.
Shipping Policy:
No physical shipping is applicable to any service offered by Cherut Kapitals. Customers will not receive any parcel, package, box, physical product, or item shipment after making payment on this website because Cherut Kapitals provides only service-based assistance for loan applications and related financial service coordination.
Where required, communication regarding the customer’s application, next steps, document requirements, payment acknowledgement, or service updates may be shared electronically through email, phone call, SMS, WhatsApp, or other digital communication channels used by Cherut Kapitals. Delivery of service, to the extent applicable, is therefore treated as administrative and digital in nature rather than physical shipment.
No shipping charges, handling fees for goods dispatch, packaging fees, freight fees, or delivery-related costs apply to any payment made on this website because no physical goods are sold or transported.
Returns Policy:
As Cherut Kapitals does not sell any physical products, there is no return policy in the conventional retail or e-commerce sense. Customers cannot return any item, goods, or merchandise because no physical product is supplied by Cherut Kapitals at any stage of the transaction.
All payments made to Cherut Kapitals are for service-related application processing activities only. Therefore, no return, replacement, exchange, swap, or product substitution is permitted against the amount paid through the website. Policies for non-tangible or service-based transactions commonly state that such purchases are not returnable in the same manner as physical goods.
Exchange Policy:
Cherut Kapitals does not offer exchange of any kind because no physical or retail product is sold on the website. The fee paid by a customer cannot be exchanged for another product, another application, another customer, any future service, or any unrelated offering.
No request for product exchange, service substitution, credit conversion, or transfer of fee to a different application shall be accepted once payment has been successfully made. The payment is treated as a one-time fee for the specific application or service request selected by the customer.
Non-Returnable Nature of Service
The amount collected by Cherut Kapitals is a one-time application and processing fee for administrative handling, preliminary document review, and related support services. Since the transaction relates to a non-physical, service-based activity and not the purchase of goods, it is not eligible for product return or merchandise exchange. Non-refundable structures are commonly used for services and other non-tangible transactions when clearly disclosed to the customer before payment.
Once the customer submits the application and payment is received, the service is treated as initiated for the relevant processing purpose. For this reason, the payment cannot be treated as a refundable purchase of goods and cannot be reversed on the basis of product return or dissatisfaction with the lending outcome.
Limited exception
Only in the event of a duplicate payment or excess payment caused by a technical error may Cherut Kapitals review the transaction and, if found valid after internal verification, process a refund of the excess amount through the original payment method. This exception applies only to payment duplication or overcharge situations and does not create any right of return, exchange, or cancellation of the service fee.
Customer acknowledgement
By making payment on this website, the customer acknowledges and agrees that Cherut Kapitals does not sell physical products, no shipping is involved, no return or exchange is available, and the amount paid is only for application processing and documentation support services. The customer further agrees that the payment cannot be claimed back on the basis of non-delivery of goods, return of goods, or exchange of goods because no such goods form part of the transaction.