Effective Date: 04/21/2026
Company: Credit Shield (“we,” “us,” “our”)

1. 15-Day Refund Window

Customers may request a refund within 15 days of the original purchase date.

Applies to:

• First-time subscription payments

• Initial plan purchases

2. Refund Eligibility

Refunds may be approved if:

• Request is made within 15 days

• Account has not been heavily used or abused

• No violation of Terms has occurred

3. Non-Refundable Cases

Refunds will not be issued if:

• Request is made after 15 days

• Service has been significantly used

• Fraud or misuse is detected

• Subscription has already renewed

4. Cancellation Policy

• You may cancel at any time

• Cancellation stops future billing

• Access continues until the end of the billing cycle

• No partial refunds outside the 15-day window

5. Refund Processing

• Approved refunds are processed within 5–10 business days

• Refunds are issued to the original payment method

• Processing time may vary depending on financial institutions

6. Refund Requests

Refund requests must include:

• Full name

• Account details

• Payment reference or transaction ID

7. Policy Updates

This policy may be updated at any time. Continued use of Credit Shield constitutes acceptance of any changes.