FAQ
Questions, answered straight.
What's the difference between the tiers?+
Blueprint (₹499) is a one-time full financial audit with 90 days of access — CIBIL read, debt forensics, and an actionable plan. Stabilize (₹299), Momentum (₹599) and Horizon (₹999) are 30-day access packages — Stabilize covers the essentials to steady your finances, Momentum adds deeper guidance to accelerate progress, and Horizon is the complete Floating Capital protocol with negotiation scripts and the Settlement vs Restructure simulator.
Is my PAN safe with you?+
Yes. We use the PAN only to fetch your CIBIL report via the official RBI-licensed bureau API. Documents are processed in-session and deleted within 24 hours. We never store, resell, or index PAN-level data.
One-time fee or subscription?+
Every tier is a one-time payment. No subscriptions, no auto-renewal. Each tier grants access for a fixed validity window (Blueprint: 90 days; Stabilize / Momentum / Horizon: 30 days). You repurchase manually whenever you want to extend.
Are there hidden tokens or per-message charges?+
No. The tier price is the whole price — we manage the compute cost on the back-end so you never see a token meter. Panda counsellor chat stays free for everyone.
Are prices inclusive of GST?+
Yes. The ₹299 / ₹499 / ₹599 / ₹999 prices include 18% GST. You'll get a proper GST invoice.
What's the refund policy?+
Full refund within 24 hours if the report wasn't generated or contained material errors. We don't refund for outcomes (banks may still refuse a dispute even with a valid letter).
How accurate is the report?+
Every high-stakes report runs through a 4-agent compliance pipeline: router, specialist, compliance critic, and synthesizer. Pass rate on the critic gate is published in our public scorecard. Nothing ships if the critic flags it.
Do you pull my CIBIL without my consent?+
Never. We trigger a soft-pull only after you OTP-verify your phone with the bureau. Soft pulls do not impact your score.
Who is the grievance officer?+
Contact sovereignfinancial@trovavo.com for any complaint. We respond within 7 working days as per RBI Ombudsman rules.
Can I use this if I'm self-employed?+
Yes. All three tiers work for any individual with a PAN. The Financial Blueprint's CTC and salary-restructure scripts are most useful for salaried users, but the rest of the protocol applies equally to self-employed borrowers.