Payment and Refund Policy

The applicable fee for a technical verification Session is currently ₹1,999 (Indian Rupees One Thousand Nine Hundred and Ninety-Nine only) plus applicable Goods and Services Tax (“GST”), unless a different fee is expressly displayed on the Platform or communicated by Orcred at the time of booking.

The Verification Fee is a one-time payment applicable to the particular verification process and Session booked by the Candidate. It does not constitute a subscription, membership fee or recurring payment.

The Verification Fee covers the applicable verification process associated with the relevant project submission and scheduled Session. Any subsequent verification, resubmission or additional attempt, where permitted by Orcred, may require payment of the applicable Verification Fee again.

Orcred reserves the right to revise its Verification Fee from time to time. Any revised fee shall apply to bookings made after the revised fee becomes effective and shall not affect payments already successfully completed, except where otherwise required by Applicable Law.

Orcred may waive the Verification Fee in whole or in part, for example for an early group of Candidates or for a repeat Session after a failure on Orcred’s side. A Session for which the fee is waived is otherwise subject to this Policy in the same way as a paid Session.

Candidates may pay in either of two ways:

By making a payment through a third-party payment facility, the Candidate agrees to comply with the applicable terms, conditions and policies of such payment service provider.

Orcred does not store or directly process the Candidate's complete payment card, banking or other sensitive payment credentials where such information is processed by the applicable third-party payment provider.

The Candidate shall ensure that all payment information provided during the transaction is accurate and that the payment method used is lawfully available for the Candidate's use.

For a bank transfer, the Candidate enters the bank transaction reference (UTR) on the Platform and may upload a screenshot of the payment. Orcred confirms the payment after matching it against its bank statement, usually within one working day, or rejects it with a reason so that the Candidate can correct it.

A payment shall be considered successfully completed only upon confirmation of the transaction by Orcred or its designated payment service provider.

Successful payment confirms the Candidate's request to participate in the applicable technical verification process and enables Orcred to proceed with the scheduling and allocation of the Session, subject to availability and applicable verification requirements. A Reviewer is assigned only after the payment is confirmed.

Payment does not guarantee that the Candidate will pass the verification process, receive an Orcred Score or be issued an Orcred Credential.

Orcred may decline, suspend or cancel a verification process where the Candidate is found to be ineligible, has provided materially false or misleading information, has attempted to circumvent the verification process, or has otherwise violated the Terms of Use or applicable Platform requirements.

Orcred emails a receipt with a receipt number for each confirmed payment, and a GST invoice once Orcred is registered for GST.

If a payment fails, no amount is charged and the Candidate is emailed to try again.

A Candidate may request cancellation of a scheduled Session by notifying Orcred through Help in the dashboard or by emailing contact@orcred.com.

Where the Candidate cancels the Session more than forty-eight (48) hours before the scheduled Session, the Candidate shall be eligible for a fifty per cent (50%) refund of the Verification Fee, subject to the terms of this Policy.

Where the Candidate cancels the Session within forty-eight (48) hours of the scheduled Session, no refund shall ordinarily be available.

Notwithstanding the foregoing, Orcred may, at its discretion, permit rescheduling or provide an alternative remedy in exceptional circumstances, including circumstances beyond the reasonable control of the Candidate.

Before the booked time, a Candidate may ask for new times through the Platform at no extra cost. Asking for new times is not a cancellation under this Section.

A Candidate who has not joined the Session within fifteen (15) minutes after the booked time is treated as a no-show, and the Session is cancelled automatically.

A Candidate who is a no-show shall not be entitled to a refund of the Verification Fee.

Orcred may, at its discretion, rebook the Session at no cost. Otherwise, the Candidate may submit a new application, subject to payment of the full Verification Fee.

Where a Candidate is unable to complete identity verification requirements at the commencement of a Session, Orcred may, at its discretion, permit rescheduling of the Session or provide such alternative remedy as Orcred considers appropriate. No refund shall ordinarily be available where the inability to verify identity is attributable to the Candidate's own failure to produce valid identification.

Where an assigned Reviewer cancels a scheduled Session or is otherwise unavailable to conduct the Session, Orcred shall make reasonable efforts to reschedule the Session within five (5) Business Days, subject to Reviewer availability.

Where Orcred is unable to reschedule the Session within the applicable period due to Reviewer unavailability, the Candidate shall be entitled to either:

full refund of the Verification Fee; or

rescheduling of the Session at the Candidate's option, subject to availability.

No additional fee shall be charged to the Candidate for rescheduling necessitated solely by the unavailability of the assigned Reviewer.

If the Reviewer has not joined the Session within fifteen (15) minutes after the booked time, the Session is cancelled automatically and treated as a Reviewer cancellation under this Section.

If no Reviewer is assigned within ten (10) Business Days after the payment is confirmed, the Candidate may choose a full refund of the Verification Fee.

Where a technical failure on Orcred’s side ends a Session or prevents it from taking place, Orcred will rebook the Session at no cost or refund the Verification Fee in full.

Where the inability to conduct a Session results from the Candidate's own internet connection, device, software, hardware, power supply or other technical infrastructure, the Candidate shall ordinarily not be entitled to a refund.

The Verification Fee is payable for the technical verification process and not for a guaranteed outcome.

Accordingly, no refund shall be issued merely because a Candidate does not satisfy Orcred's assessment criteria, receives a non-passing result or does not receive an Orcred Credential.

A Candidate who is permitted by Orcred to undergo a subsequent verification or resubmission shall be required to pay the applicable Verification Fee for such subsequent attempt, unless otherwise expressly stated by Orcred.

No refund shall be available where Orcred determines that the Candidate has:

provided materially false, misleading or fraudulent information;

submitted work that does not belong to the Candidate or materially misrepresented the Candidate's contribution to a project;

permitted another person to participate in the Session on the Candidate's behalf;

attempted to manipulate, circumvent or compromise the verification process;

failed to comply with the identity verification requirements; or

otherwise engaged in conduct that constitutes a material violation of the Terms of Use or applicable Platform requirements.

Orcred reserves the right to suspend or permanently restrict the Candidate's access to the Platform in addition to any other rights or remedies available under Applicable Law.

Where a refund is approved under this Policy, payments made through Razorpay are refunded through Razorpay to the original payment method, and bank transfers are refunded by bank transfer to the account the payment came from, subject to the procedures and timelines of the relevant payment service provider and bank.

The time taken for the refunded amount to reflect in the Candidate's account may vary depending upon the payment method, issuing bank, payment gateway and other financial intermediaries involved in the transaction.

Where a transaction has failed but the amount has been debited from the Candidate's account, the Candidate may contact Orcred with the relevant transaction details. Orcred shall reasonably assist in verifying the status of the transaction and processing any refund that is due.

Where a Candidate initiates a chargeback or payment dispute through their bank or payment service provider, Orcred shall cooperate reasonably with the relevant payment service provider in investigating the disputed transaction and providing relevant documentation or information in accordance with Applicable Law.

If a Candidate pays more than once for the same application, the duplicate payment is refunded in full.

Applicable GST and other statutory taxes or charges shall be payable by the Candidate in addition to the Verification Fee wherever applicable.

Any refund, where applicable, shall be processed in accordance with the applicable tax and invoicing requirements.

Nothing contained in this Policy shall limit or exclude any rights or remedies available to a Candidate under Applicable Law.

Orcred may, at its discretion, consider exceptional refund or rescheduling requests on a case-by-case basis where circumstances reasonably justify such consideration. Any such decision shall not create a precedent or an entitlement to similar treatment in future cases.