DIY Plan (Self-Service)
What the advisory fee covers
The DIY Plan fee is a one-time, non-refundable advisory fee. It covers:
- Credit report analysis
- AI-assisted summary and advisory insights
- Guidance on closure / One-Time Settlement (OTS), where applicable
The advisory service has been rendered · the report summary has been accessed or downloaded · SUS has contacted banks or credit providers on the customer's behalf · the customer has voluntarily discontinued the service after it began.
Guarantee Plan
SUS fails to deliver the agreed advisory service within the stipulated timeline, or the terms of the agreement are not met as per the guarantee plan.
The customer doesn't provide adequate time for delivery, misrepresents facts, documents, or agreed terms — or the outcome is affected by factors outside SUS's control, like bank or bureau decisions, DPD removal, or credit history changes.
Official payment channel
All payments for SUS services must be made only through the official SUS website or app. Any payment made outside the platform — to individuals, WhatsApp contacts, or unofficial links — is solely the customer's responsibility, and SUS won't recognize or refund such transactions.
Approved refunds are processed only to the same account or payment method used for the original transaction — never to third-party accounts or alternate methods.
Advisory-only disclaimer
SUS provides advisory guidance only. SUS cannot:
- Remove DPD (Delinquent Payment Days) entries
- Delete or alter credit history
- Increase or decrease a credit score on request
Credit score changes are determined by banks, credit bureaus, and RBI regulations — not by SUS. Refunds are not issued for unfavorable score outcomes, dissatisfaction with advisory recommendations, or delays in bank or bureau response.
Exceptional Cases for Refund
Refunds may be considered only in the cases below:
| Case | Condition |
|---|---|
| Failed KYC verification | SUS can't verify the customer's KYC details as agreed |
| Misrepresentation of T&Cs | Guarantee Plan only — SUS fails to deliver terms as agreed (exceptions apply) |
| Technical failure | SUS system fails to generate the report or summary despite payment |
| Duplicate payment | Customer pays twice for the same advisory request — at SUS's discretion, T&Cs apply |
| Cancellation before initiation | Customer requests cancellation before SUS starts processing |
Duplicate or Secondary File Uploads
Re-upload fee
A duplicate or second file uploaded within 30 days of the first is charged a re-upload fee of ₹250 + GST, which is non-refundable. Re-uploads must be requested by phone, via the backend telecaller.
If a customer uploads a file directly instead of calling in, the full advisory fee applies and no refund is issued.
Refund Process
- Submit a request Via the SUS support portal, email, or phone.
- SUS reviews the request A response is provided within 7 working days.
- Approved refunds are processed Sent to the original payment account within 15 working days.
Reach SUS support
Policy Updates
SUS may update this policy at any time. Updates are communicated through the SUS app or website and by email notification. Continued use of SUS services after an update means acceptance of the new policy.