This Return and Refund Policy outlines the terms applicable to user-initiated deposits, capital withdrawals, dividend earnings, and reward redemptions on the FINOVAX platform. By using the platform, you agree to this policy.

Deposits & Investment Policy

• All deposits made via bank transfer or UPI are considered investment transactions once the user confirms the request and attaches a valid proof of payment.
• Deposits are verified manually by the FINOVAX operations team and, once approved, are non-reversible.
• The platform does not accept any returns or cancellations once an investment is approved and credited.s

Capital Withdrawal Conditions (Subject to change periodically)

• Users may request to withdraw their invested capital at any time, subject to applicable deduction rules as per the investment holding period:
  • 0-12 Months :A deduction percentage is applicable on the invested amount.
  • After 12 months :Users are eligible to withdraw their capital without deduction.
• Withdrawals are processed via:
  • P2P
  • Bank transfer
  • Crypto wallets (e.g., BEP Wallet)
• Refunds are not issued via reversal of deposit transactions. All returns happen via the approved withdrawal methods

Dividend Withdrawal

• Daily dividends are balance which can be withdrawn once every 30 days from balance.
• Once withdrawn, dividend amounts cannot be returned or reversed.
• In case of discrepancies or failed settlements, users must contact support with transaction proof.
• Regular audits and security reviews are conducted to protect against breaches.

Product Points & DXN Points

• Product Points and DXN Points are reward-based and have defined validity periods:
  • Product Points expire after 6 months if unused.
  • DXN Points expire if not redeemed before the 10th day of the following month.
  • Crypto wallets (e.g., BEP Wallet)
• Once points are credited or redeemed, they cannot be returned, transferred, or exchanged for cash or capital.

Invalid or Mistaken Deposits

• FINOVAX is not responsible for incorrect or excess transfers made by users to the displayed bank account or UPI ID.
• Users must verify all transaction details before initiating deposits from external platforms.
• In such cases, refunds are not guaranteed, and recovery is subject to bank or UPI operator support.

Document Fee

• Document fees collected at the beginning are non-refundable in case of both approval and rejection.

Screenshot Requirement

• Deposits without a valid payment screenshot or incorrect/incomplete entries will be marked as incomplete or rejected.
• Users must ensure clarity and accuracy of screenshots before submitting the deposit request.

Abuse or Misuse of the Refund Mechanism

• Attempts to manipulate deposit logs, attach fake screenshots, or falsely claim refunds will result in permanent suspension of the account and possible forfeiture of funds.

Contact & Dispute Resolution

For refund-related queries or transaction support, contact:

• Email: support@finovax.com
• Response Time: 24–48 business hours

Policy Updates

FINOVAX reserves the right to update or revise this policy at any time. Any changes will be communicated via email or app notification.
Last Updated :- 08/08/2025