Cancellation Policy

This Cancellation Policy governs all scenarios where a confirmed booking is terminated, whether at the Customer's initiative or due to external circumstances. Please read this section carefully as it directly impacts your financial liability.

1. Customer-Initiated Cancellation (Voluntary)

A voluntary cancellation occurs when the Customer requests to cancel a confirmed booking for any reason including but not limited to:

Personal reasons
Change of mind
Work commitments
Family emergency
Visa refusal
Medical reasons (where travel insurance is not applicable)
Any other discretionary decision

2. Governing Principle — You Pay, No Matter What

IMPORTANT NOTICE:

If you voluntarily cancel your trip, your EMI obligation to the finance partner continues in full. Or Ezy Pay and the finance partner bear absolutely no responsibility for your financial loss arising from voluntary cancellation.

3. Cancellation Charges — Travel Package Component

The following cancellation charge schedule applies to Or Ezy Pay's service fee and markup component. Travel supplier cancellation charges are additional and will be deducted separately.

Time of Cancellation Before Departure	Or Ezy Pay Service Fee Forfeited	Refundable Amount (if any) from Or Ezy Pay
More than 45 Days	25% of Or Ezy Pay Markup	Supplier refund minus Or Ezy Pay 25% markup fee
31 – 45 Days	50% of Or Ezy Pay Markup	Supplier refund minus Or Ezy Pay 50% markup fee
16 – 30 Days	75% of Or Ezy Pay Markup	Supplier refund minus Or Ezy Pay 75% markup fee
0 – 15 Days / No-Show	100% of Or Ezy Pay Markup	NIL from Or Ezy Pay (subject to supplier refund policy)

Note: The above schedule applies only to Or Ezy Pay’s own fees and markup. Travel supplier cancellation charges are governed entirely by the supplier’s own policy and are non-negotiable.

4. How Cancellation is Processed

Customer must submit a formal cancellation request via email or cancellation portal.
The request must include Full Name, Booking Reference Number, Registered Mobile Number, and Reason for Cancellation.
Or Ezy Pay will acknowledge the request within 2 business days.
Refunds, if applicable, will be processed within 15–30 business days after supplier refund receipt.
Refunds may be credited to the original payment source or adjusted against the loan balance.
Verbal cancellation requests are not accepted.

EMI Status During Cancellation Processing

Your EMIs will NOT be paused during the cancellation processing period. All scheduled EMI debits will continue uninterrupted.

5. Supplier-Initiated Cancellation (Involuntary)

Airline-Initiated Flight Cancellation

The airline is solely responsible for providing an alternative flight or refund.
Or Ezy Pay will assist in communication with airlines and suppliers.
If an alternative arrangement is accepted, no refund will be issued.
Refunds received from suppliers will be adjusted toward the outstanding loan balance.

Hotel or Package Operator Cancellation

Or Ezy Pay will attempt to arrange an equivalent alternative.
If no suitable alternative is available, refunds will be processed after supplier recovery.
Service fees are non-refundable where a comparable alternative is offered.

Natural Disasters / Force Majeure

In cases of natural disasters, pandemics, travel bans, war, civil unrest, or government restrictions:

Or Ezy Pay will attempt to obtain maximum possible refunds or travel credits.
Refunds depend entirely on supplier force majeure policies.
Your EMI obligations continue regardless of such events.

We strongly recommend purchasing comprehensive travel insurance to protect against unforeseen cancellations.

Visa Refusal or Denial

Visa approval is solely the decision of the respective embassy or foreign government.

IMPORTANT NOTICE:

Visa refusal does NOT entitle you to EMI cancellation or automatic loan cancellation.

Visa application fees are non-refundable.
Standard cancellation charges apply if you cancel after visa refusal.
Supplier refunds depend entirely on supplier policies.
Your EMI obligations continue regardless of visa status.

No-Show Policy

A no-show occurs when a customer fails to appear for departure without prior notice. No-show cases are treated as 100% cancellation with zero refund.

6. Modification and Rescheduling Policy

Rescheduling depends on supplier availability.
Supplier date-change penalties may apply.
Administrative rescheduling fee: INR 500 per person per request.
Any fare difference must be paid upfront before confirmation.
Date changes are subject to supplier approval.