1. What Excoin provides
Excoin is operated by SANDEEP KUMAR. Business address: KURJO MORE GATE NO 66 OPPOSITE SIDE 1ST BLUE MAKAN. For these terms, “Excoin”, “we”, “us” and “our” refer to the service operated by this owner.
Excoin, available at excoin.online, is a digital information and guidance platform. Memberships provide access to the loan-provider information, eligibility guidance, document checklists and official application links described for the selected plan.
Excoin does not itself lend money, sanction loans, accept loan repayments or guarantee approval. A membership payment is a charge for Excoin’s information service; it is not a loan deposit, processing fee paid to a lender, investment or promise of credit.
2. Eligibility and your account
You must be at least 18 years old and legally able to enter into an agreement to purchase our services. Provide accurate registration and contact details, keep your password private and use only an account and payment method you are authorised to use.
You are responsible for activity you authorise on your account. Contact support promptly if you suspect unauthorised access. Never share a password, OTP, card PIN, CVV or UPI PIN with anyone claiming to be support.
3. Plans, prices and upgrades
The plan description and checkout show the available features and the amount payable in Indian rupees (INR). Review the total and any displayed charges before paying. Plans differ in provider access; buying a membership does not provide access to every provider on the platform.
Where an upgrade is offered, the checkout displays any eligible credit for an existing active membership and any discount before payment. Only the upgrade amount actually paid is a new payment. Upgrade availability, expiry and benefits are those displayed at checkout; an upgrade does not automatically extend an existing expiry date.
We do not automatically renew a one-time membership or charge a new recurring payment without separate authorisation. Future price changes do not change the amount already paid for a completed order.
4. Manual UPI payments and admin verification
New membership payments use the UPI ID shown on the payment page. The QR code includes the selected plan amount in INR. Check the recipient and amount in your UPI app before paying, then submit the UTR/transaction reference, payment date and screenshot.
Membership access starts only after an administrator checks receipt of funds and approves the payment. A QR scan, screenshot or submitted reference alone does not activate access. If your bank is debited but payment status is unclear, contact support before paying again.
Earlier Razorpay transactions remain subject to gateway verification and can be checked through their existing payment-status link. Razorpay does not provide Excoin membership benefits or guarantee a loan. Never give support your banking password, OTP or UPI PIN.
5. Digital access and availability
The service is delivered online through your Excoin account. There is no physical product or courier delivery. For new manual UPI payments, submit proof and wait for admin verification and approval. Bank or verification issues may delay access. See our Digital Delivery Policy.
Provider listings, eligibility rules, rates and availability can change. Check current details directly with the actual lender before applying. We may update guidance and correct errors; we do not promise continuous availability of a third-party app or an unchanged provider catalogue.
6. Cancellation and refunds
Our Refund & Cancellation Policy forms part of these terms. The voluntary refund request window is the payment date only, ending at 11:59 PM Indian Standard Time (IST). A new voluntary request on the following calendar day is outside this window. This is a same-day rule, not a rolling 24-hour period.
A timely eligible request is not rejected merely because verification or bank processing finishes on a later day. Statutory rights and genuine duplicate-charge, unauthorised-payment or service-not-provided complaints are not excluded by this voluntary deadline.
7. Acceptable use and content
Use the service lawfully and for its intended purpose. Do not impersonate another person, submit fraudulent payment proof, bypass access restrictions, share or resell account access, scrape restricted content, interfere with the service or upload malicious or unlawful material.
Excoin’s own site content and design may be used for your personal access to the service. Third-party names, logos and materials belong to their respective owners. A listing or link does not itself establish an endorsement, partnership or regulatory approval.
8. Privacy and account closure
The existing Privacy Policy explains the handling of personal information. You may manage your profile and use the account deletion option in your account. Deleting an account does not by itself submit a refund request; contact support within the applicable refund window if you want a refund.
Account closure does not remove records that must be retained for applicable legal, accounting, payment-dispute or fraud-prevention purposes as explained in the Privacy Policy.
9. Third-party services and responsibility
The actual lender independently decides approval, loan amount, interest, fees, repayment obligations and eligibility. Read the lender’s Key Facts Statement and agreement and verify its identity and official application channel. Excoin is not responsible for decisions made independently by a lender.
Information on the platform is general guidance and is not personalised financial advice. We take reasonable care with our service, but cannot guarantee the accuracy or availability of independently supplied third-party information. Nothing in these terms excludes a liability or consumer remedy that cannot lawfully be excluded.
10. Suspension and changes
We may restrict access where reasonably necessary to address fraud, security threats, unlawful activity or a material breach of these terms. Where appropriate, contact support to request a review. Any applicable refund or consumer rights remain available.
Updated terms will carry an updated date. Changes apply prospectively and do not retrospectively remove rights attached to a completed purchase. Material changes affecting paid benefits will be communicated through appropriate service channels.
11. Complaints and applicable law
For account, access, payment or refund complaints, call +91 8340160935 or email help@excoin.online. Include your registered mobile number and order/payment reference where relevant. We will investigate the records and communicate the outcome or any information needed.
These terms are governed by applicable Indian law. You retain the right to approach the appropriate consumer forum, regulator, payment provider or competent court available under that law. Contact details are on our Contact page.