Refund Policy — Settle
This Refund Policy explains when refunds, returns, and cancellations are allowed, and the process we follow to evaluate and process requests. Please read carefully before placing an order — especially for customised and furniture products.
Returns & Packaging
We accept returned products only when they are returned in their original packaging and in an unused condition. Return requests for such items must be raised within 14 days from the date on the invoice. Items that are used, altered, or missing original packaging may be rejected or incur deductions.
Furniture — Installed Items
For furniture goods, no returns or exchanges are accepted once the item has been delivered and installed. Installation is considered final acceptance; please inspect carefully at delivery and before any installation is completed.
Unpacked / Hygiene-sensitive Items
Certain items — for example, bath linen and mattresses — cannot be exchanged once unpacked for hygiene and safety reasons. Please ensure you verify these products at the time of delivery.
Promotional, Clearance & Special Price Items
Promotional items sold at special prices, including last-piece clearance items, are non-exchangeable and non-returnable under any circumstances. These items are sold “as-is” unless the product is found to be defective or damaged on delivery.
Customised Products
Customized products are manufactured specifically to your specifications. Once you place an order for a customized product, production is initiated immediately and the item is made-to-order. Therefore, cancellations or modifications are not possible after order placement. We strongly recommend reviewing all customization details carefully before confirming your order. If you have questions prior to ordering, contact our support team for guidance.
Cancellations & Damages
For some products, cancellations are permitted until the product has been shipped. Complaints related to damage or defective products must be raised within 7 days of delivery to be eligible for repair or replacement. Claims made after this period may be considered only at our discretion and require evidence.
Verification & Assessment
If you receive a product that you believe is eligible for return, please register a request immediately on the Settle platform. We will verify the claim to determine if: (a) the defects/damages or non-compliance are acceptable under this policy, and (b) whether they are attributable to Settle or the merchant. Verification may include a review of photographs, videos, or a technician visit. Based on the assessment report, we will, at our sole discretion, accept or reject the return request and propose an appropriate resolution.
No Refunds for Delivered & Installed Furniture
Refunds are not permitted for furniture that has been delivered and installed solely on the basis of change of mind or dissatisfaction with color/finish. Please confirm your selection before installation.
Refund Method & Timeline
We do not issue cash refunds. Refunds are credited to the original payment method or via bank transfer as applicable. Refunds are generally processed within 7 working days; however, the actual time for the amount to reflect in your account may depend on the payment provider or bank.
| Payment Mode | Typical Refund Time |
|---|---|
| Credit / Debit Card, Netbanking, UPI | 4–5 business days |
| Offline (NEFT) | 7–10 business days |
Note: Banks and intermediaries may take additional time to post the refund. If you do not receive a refund within the timeframe shown, contact our support and we will assist in tracking the transaction.
When Refunds Are Made
A refund for a product will be made only if payment for that product has been received by us. If a return is authorized, the refund amount will exclude shipping charges and any other non-refundable fees unless the product was received in a damaged or defective condition and we determine — after verification — that shipping charges should be refunded.
Right to Reject Requests
We reserve the right to reject a refund or return request if the returned product does not meet the quality conditions set out in this policy. Our assessment is carried out based on the evidence provided and any inspection conducted.
Cashback / Credits Adjustments
Any cashback or promo credits earned on the original order will be adjusted when processing the refund. If cashback was used (fully or partially) to place other orders, the cashback value will be deducted from the refund amount of the cancelled product.
EMI & Partial Refunds
If you have availed an EMI option: for full refunds, the credited amount will be routed back to the original payment method following the payment provider's flow. For partial refunds, to avoid causing issues with the active EMI schedule, the refund may be processed via NEFT to your bank account so that the remaining EMI schedule remains valid. Please provide valid bank details if a NEFT refund is required.
How to Raise a Refund / Return Request
To initiate a refund or return:
- Login to Settle → My Account → Orders, and locate the relevant order.
- Click "Raise a Return/Refund" and follow the prompts. Upload supporting images and a clear description of the issue.
General Terms
We may, from time to time, update this Refund Policy. The updated policy will be published on the Site with an updated "Last updated" date. All claims will be handled in accordance with the policy in force at the time the claim is raised.