Refund Policy

1. General Policy

E-SWAB is a digital savings habit-building platform. As a gateway focused on promoting disciplined financial consistency, balances accumulated in your savings plans represent physical custodian values. If you choose to terminate your profile, any verified and unsettled daily savings balances will be returned to you in accordance with our closure protocol.

2. Eligibility for Balance Return

To claim a balance settlement or return upon profile termination, you must satisfy the following parameters:

• Your account must have fully completed compliance and KYC verification.
• The requesting profile must not be flagged for fraudulent activities, multi-login violations, or AML warnings.
• All savings balance values must be fully cleared and matched in custodian ledger registers.

3. Processing Timeline

Once a closure and refund request is submitted through our administrative support portal, the compliance team will audit the transaction histories. This verification process takes between 5 to 7 business days. Upon approval, funds or equivalent gold custody balances are transferred back to your registered bank account via standard regulatory bank settlement paths.

4. Contact Support

If you have questions regarding a profile closure, balance discrepancy, or specific refund claims, please contact our support team. Submit a query via our contact page or email us directly at info@eswab.in.