Refund & Cancellation Policy

Chapter 1 — INTRODUCTION, PURPOSE & SCOPE

1.1 Purpose

This Refund, Cancellation & Credits Policy ("Policy") explains the rules governing refunds, cancellations, Credits, Membership Plans, Premium Services, Contact Unlock, and other paid services offered through the FinDeals Platform.

This Policy forms an integral part of the FinDeals Terms & Conditions and should be read together with the Privacy Policy and other applicable Platform policies.

1.2 About FinDeals

FinDeals is an online Financial Classifieds Platform owned and operated by SMARTAXIS PRIVATE LIMITED.

The Platform enables Users and Business Members to access various paid services, including but not limited to:

• Membership Plans
• Credits
• Contact Unlock
• Premium Highlight
• Promotional Services
• Business Dashboard Features
• Other paid Platform Services introduced from time to time

FinDeals itself does not provide loans, arrange financing, guarantee transactions, or act as a lender, NBFC, or financial institution.

1.3 Scope

This Policy applies to:

• Individual Users
• Business Members
• Service Providers
• Companies
• Organizations
• Advertisers
• Premium Members
• Any person purchasing paid services through FinDeals

1.4 Services Covered

This Policy governs payments relating to:

• Membership Plans
• Credit Purchases
• Contact Unlock
• Premium Listing Highlight
• Featured Listings
• Advertising Services
• Subscription Plans
• Promotional Campaigns
• Business Dashboard Services
• Future paid Platform services
• unless separate written terms expressly apply.

1.5 Definitions

For this Policy:

Credits means virtual units purchased or otherwise made available for use within the FinDeals Platform.

• Membership means any paid subscription plan offered by FinDeals.

Premium Service means any paid feature that enhances visibility, functionality, or access within the Platform.

Contact Unlock means the paid feature allowing eligible Business Members to access contact information associated with eligible Financial Requirement Listings, subject to Platform rules.

• Refund means repayment of an eligible amount by the Company in accordance with this Policy.

1.6 Acceptance

By purchasing any paid service on the FinDeals Platform, the User acknowledges that they have:

• Read this Policy.
• Understood this Policy.
• Agreed to this Policy.
• Accepted the refund and cancellation rules described herein.

1.7 General Principles

The Company seeks to administer refunds and cancellations in a manner that is:

• Fair
• Transparent
• Consistent
• Legally compliant
• Operationally practical
• Protective against fraud and abuse
• Refunds are not automatic and are subject to eligibility criteria described in this Policy.

1.8 Relationship with Other Policies

This Policy should be read together with:

• Terms & Conditions
• Privacy Policy
• Membership Policy
• Credits Policy
• Community Guidelines
• Payment Terms
• Contact Unlock Rules

In the event of any inconsistency, the more specific policy relating to the purchased service shall apply unless applicable law provides otherwise.

1.9 Changes to this Policy

SMARTAXIS PRIVATE LIMITED may revise this Policy from time to time to reflect:

• Legal requirements
• Operational changes
• New paid services
• Payment methods
• Platform enhancements
• Fraud prevention measures
• Business requirements
• Material updates may be communicated through the FinDeals Platform or other appropriate channels.

1.10 Contact Information

Questions relating to refunds, cancellations, Credits, or paid services may be submitted through the Company's official customer support channels.

The Company may require reasonable verification before processing refund or cancellation requests.

1.11 Governing Principles

Unless otherwise required by applicable law:

• Refunds are governed exclusively by this Policy.
• No refund is guaranteed merely because a User requests one.
• Refund eligibility depends on the circumstances of the transaction.

The Company reserves the right to investigate refund requests to prevent fraud, abuse, or misuse, while exercising its rights reasonably and in accordance with applicable law.

1.12 Chapter Summary

This Chapter introduces the Refund, Cancellation & Credits Policy applicable to all paid services offered through the FinDeals Platform. It explains the scope of the Policy, the services covered, the relationship with other Platform policies, and the general principles governing refunds, cancellations, and Credits.

Chapter 2 — PAYMENT METHODS, BILLING & TRANSACTION PROCESSING

2.1 Purpose

This Chapter explains how payments are processed on the FinDeals Platform, the payment methods accepted, billing procedures, taxes, transaction verification, and related operational practices.

The objective of this Chapter is to ensure that all financial transactions conducted through the Platform are transparent, secure, and compliant with applicable law.

2.2 Accepted Payment Methods

The Company may accept payments through one or more authorized payment methods, including:

• UPI
• Credit Cards
• Debit Cards
• Net Banking
• Mobile Wallets
• Payment Links
• Bank Transfers (where supported)
• Other payment methods introduced from time to time

The availability of a particular payment method may vary depending on the User's location, financial institution, payment gateway capabilities, or technical requirements.

2.3 Authorized Payment Gateway Providers

Payments made through the FinDeals Platform may be processed by authorized third-party payment gateway providers.

Such providers are responsible for:

• Payment authentication.
• Payment authorization.
• Transaction processing.
• Security of payment credentials.
• Compliance with applicable payment regulations.

The Company does not store sensitive payment authentication information such as:

• Card PINs.
• CVV Numbers.
• UPI PINs.
• Internet Banking Passwords.
• Banking OTPs.

2.4 Currency

Unless otherwise specified, all prices displayed on the FinDeals Platform are quoted in Indian Rupees (₹ / INR).

If the Platform supports transactions in other currencies in the future, the applicable currency will be clearly displayed before payment.

The Company is not responsible for currency conversion charges or exchange rate differences imposed by financial institutions or payment providers.

2.5 Pricing

The Company may determine the prices for:

• Membership Plans.
• Credits.
• Contact Unlock.
• Premium Highlight.
• Featured Listings.
• Promotional Services.
• Business Dashboard Features.
• Other paid services.

Prices may vary based on:

• Subscription duration.
• Promotional campaigns.
• Geographic availability.
• Business category.
• Product updates.
• Platform offers.

All prices displayed at the time of purchase are subject to applicable taxes unless stated otherwise.

2.6 Taxes

Applicable taxes, including Goods and Services Tax (GST) or any other statutory levy, may be charged in accordance with applicable law.

Where required:

• GST will be displayed separately.
• Tax invoices may be generated.

Users are responsible for providing accurate billing details, including GST information where applicable.

The Company reserves the right to revise tax calculations to reflect changes in applicable tax laws.

2.7 Order Confirmation

A purchase is generally considered successful only after:

• Payment authorization is completed.
• Payment confirmation is received from the payment gateway.

The transaction is verified by the Company's systems.

The purchased service is activated, where applicable.

An order acknowledgement or payment initiation alone does not constitute confirmation of a successful purchase.

2.8 Transaction Receipts

Upon successful payment, the Company may provide:

• Transaction Confirmation.
• Payment Receipt.
• Invoice.
• Membership Activation Notice.
• Credit Purchase Confirmation.
• Contact Unlock Confirmation.

Receipts may be delivered through:

• Email.
• SMS.
• WhatsApp.
• In-App Notifications.
• User Dashboard.

Users should retain these records for future reference.

2.9 Failed Transactions

A transaction may fail for reasons including:

• Insufficient funds.
• Bank authorization failure.
• Payment gateway interruption.
• Network connectivity issues.
• Technical errors.
• Fraud prevention measures.
• Incorrect payment details.
• Expired payment instruments.
• If a transaction fails, no paid service will be activated unless payment is successfully completed.

2.10 Pending Transactions

Some payments may remain in a pending state while awaiting confirmation from the payment gateway or financial institution.

During this period:

The purchased service may not be activated.

The User may be requested to wait until confirmation is received.

• Duplicate payments should generally be avoided.

If a pending transaction is ultimately unsuccessful, the payment provider or issuing bank will generally process the reversal in accordance with its own policies and timelines.

2.11 Duplicate Payments

If the Company receives duplicate payments for the same transaction due to technical errors or payment processing issues, it may:

• Verify the duplicate payment.
• Reverse the duplicate amount.
• Credit the excess amount where appropriate.
• Process a refund in accordance with this Policy.

The Company may require reasonable evidence before processing duplicate payment claims.

2.12 Incorrect Payments

Users are responsible for reviewing all payment details before confirming a transaction.

Payments made due to:

• Incorrect plan selection.
• User misunderstanding.
• Accidental purchases.
• Wrong Membership selection.
• shall be governed by the refund provisions contained in this Policy.

2.13 Unauthorized Transactions

If a User believes that an unauthorized transaction has occurred, the User should immediately:

• Contact the Company.
• Notify the payment provider.
• Notify the issuing bank where appropriate.
• Secure the User's Account.
• Change Account credentials if necessary.

The Company may investigate the matter in cooperation with the payment service provider and competent authorities where appropriate.

2.14 Billing Information

Users are responsible for ensuring that billing information provided to the Company is:

• Accurate.
• Complete.
• Current.
• Lawfully provided.

Incorrect billing information may delay:

• Invoice generation.
• Refund processing.
• Membership activation.
• Tax compliance.

2.15 Invoices

Where applicable, the Company may issue invoices containing:

• Invoice Number.
• Transaction Reference.
• Date.
• Purchased Service.
• Amount Paid.
• Applicable Taxes.
• Billing Details.
• Company Information.

Users should review invoices promptly and report any material discrepancies within a reasonable time.

2.16 Subscription Renewals

Where Membership Plans include recurring billing, the renewal terms will be clearly disclosed before enrollment.

If automatic renewal is offered:

Users will be informed of the renewal mechanism.

Users may cancel future renewals before the next billing cycle, subject to the applicable Membership terms.

Cancellation of future renewals does not automatically entitle the User to a refund for the current billing period unless required by applicable law or expressly stated in this Policy.

2.17 Promotional Pricing

The Company may offer:

• Introductory Discounts.
• Coupon Codes.
• Promotional Pricing.
• Seasonal Offers.
• Business Campaign Discounts.
• Referral Benefits.

Such offers:

• May be time-limited.
• May have separate eligibility conditions.
• Cannot generally be combined unless expressly permitted.
• May be modified or withdrawn at any time before purchase.

2.18 Payment Verification

The Company reserves the right to verify transactions where reasonably necessary to:

• Prevent fraud.
• Detect duplicate payments.
• Confirm payment authenticity.
• Investigate suspicious activity.
• Comply with legal obligations.
• Verification may delay activation of certain paid services until the review is completed.

2.19 Pricing Changes

The Company may revise the pricing of paid services from time to time.

Unless otherwise stated:

• Pricing changes apply prospectively.
• Completed purchases will generally remain governed by the price paid at the time of purchase.
• Existing subscriptions will continue under their current billing cycle unless otherwise disclosed.

The Company will provide notice of material pricing changes where required by applicable law.

2.20 Billing Disputes

If a User believes that an incorrect charge has occurred, the User should contact the Company's Customer Support within a reasonable period after becoming aware of the issue.

The Company may:

• Review transaction records.
• Request supporting information.
• Coordinate with payment providers.
• Investigate billing discrepancies.
• Provide an appropriate resolution in accordance with this Policy and applicable law.

2.21 Payment Security

The Company is committed to facilitating secure payment processing by:

• Using authorized payment providers.
• Applying secure communication protocols.
• Monitoring suspicious payment activity.
• Implementing fraud prevention measures.
• Protecting transaction records.

Users should never share:

• OTPs.
• UPI PINs.
• Banking Passwords.
• Card PINs.
• CVV Numbers.
• with any person claiming to represent the Company.

2.22 Chapter Summary

This Chapter explains how payments are processed on the FinDeals Platform, including accepted payment methods, billing procedures, taxes, transaction confirmations, invoices, failed and duplicate payments, subscription renewals, payment verification, and billing dispute resolution. The Company aims to provide secure and transparent payment processing while working with authorized payment service providers and complying with applicable legal and regulatory requirements.

Chapter 3 — MEMBERSHIP PLANS, SUBSCRIPTION TERMS & CANCELLATION

3.1 Purpose

This Chapter explains the terms governing Membership Plans, subscriptions, renewals, upgrades, downgrades, cancellations, expirations, suspensions, and related rights and responsibilities applicable to paid Membership services offered through the FinDeals Platform.

3.2 Membership Plans

The Company may offer one or more Membership Plans for eligible Users and Business Members.

Membership Plans may differ based on:

• Features.
• Geographic Coverage.
• Credits Included.
• Contact Unlock Limits.
• Listing Visibility.
• Premium Benefits.
• Subscription Duration.
• Business Category.
• Other Platform features.

The Company may introduce, modify, suspend, or discontinue Membership Plans from time to time.

3.3 Membership Eligibility

Memberships are available only to Users who:

• Hold a valid FinDeals Account.
• Meet eligibility requirements.
• Complete applicable verification processes where required.
• Make successful payment.
• Comply with the Terms & Conditions and Platform Policies.

The Company may refuse Membership activation where reasonable grounds exist to believe that the Membership is being obtained fraudulently or unlawfully.

3.4 Membership Activation

A Membership generally becomes active only after:

• Successful payment confirmation.
• Transaction verification.
• Compliance checks where applicable.
• Activation by the Company's systems.
• Activation times may vary depending on payment verification and technical processing.

3.5 Membership Duration

Each Membership Plan will specify:

• Start Date.
• Expiry Date.
• Billing Cycle.
• Included Benefits.
• Renewal Terms.

Membership benefits remain available only during the applicable Membership period unless otherwise stated.

3.6 Membership Benefits

Depending on the selected plan, Membership benefits may include:

• Access to Contact Unlock.
• Monthly Credits.
• Geographic Access.
• Business Dashboard Features.
• Premium Listing Visibility.
• Higher Usage Limits.
• Priority Customer Support.
• Early Access to New Features.
• Promotional Benefits.
• Other premium services.

Membership benefits are subject to change for future subscription periods. Changes will not generally affect the current active subscription unless required by law or necessary for security or operational reasons.

3.7 Membership is Personal

Unless expressly permitted by the Company in writing:

Memberships are:

• Personal.
• Non-transferable.
• Non-assignable.
• Non-resalable.
• Non-shareable.

Users shall not:

• Sell Memberships.
• Lease Memberships.
• Transfer Membership access.
• Share premium benefits with unauthorized persons.

Violation of this provision may result in suspension or termination of Membership without refund, subject to applicable law.

3.8 Geographic Access

Some Membership Plans may provide access limited to:

• District.
• State.
• Region.
• National Coverage.
• Other defined geographic areas.

The applicable geographic scope will be displayed before purchase.

3.9 Subscription Renewals

Memberships may be:

• One-time subscriptions.
• Recurring subscriptions.
• Automatically renewing subscriptions.

Where automatic renewal is offered, the Company will disclose:

• Renewal frequency.
• Renewal charges.
• Cancellation process.
• Applicable renewal terms.

3.10 Automatic Renewal

Where Users enroll in automatic renewal:

• Membership will renew using the selected payment method.
• Renewal occurs only if payment is successfully processed.
• Failed renewals may result in Membership expiration.

Users may disable future automatic renewals before the next billing cycle.

• Disabling automatic renewal does not cancel the current active Membership.

3.11 Membership Expiry

Upon expiration:

• Premium benefits may cease.
• Remaining subscription features may become unavailable.
• Geographic access may end.
• Premium support may terminate.
• Contact Unlock privileges may be restricted according to the applicable plan.
• Account access may continue under the free membership tier, if available.

3.12 Membership Upgrades

Users may upgrade to a higher Membership Plan where supported.

Unless otherwise stated:

• Upgrades become effective after successful payment.
• Additional charges may apply.
• Existing Membership periods may be adjusted according to the Company's upgrade policy.
• Upgrades do not automatically extend the Membership period unless expressly specified.

3.13 Membership Downgrades

Where permitted, Users may downgrade Memberships.

Downgrades generally take effect after the current subscription period expires unless otherwise specified.

Downgrading may result in:

• Reduced benefits.
• Lower usage limits.
• Reduced geographic coverage.
• Loss of premium features.
• No refund shall ordinarily be provided solely because of a downgrade request.

3.14 Membership Cancellation by Users

Users may cancel future Membership renewals at any time through:

• Account Settings.
• Subscription Management.
• Customer Support.
• Other available Platform features.

Unless required by applicable law or expressly provided in this Policy:

• Cancellation prevents future renewals.
• Cancellation does not entitle the User to a refund for the current Membership period.
• Membership benefits generally remain available until the current subscription expires.

3.15 Membership Suspension

The Company may temporarily suspend Membership benefits where reasonably necessary due to:

• Fraud investigations.
• Payment disputes.
• Policy violations.
• Security concerns.
• Regulatory requirements.
• Technical maintenance.

Where appropriate, the Company may notify the affected User regarding the suspension.

3.16 Membership Termination by the Company

The Company may terminate a Membership where reasonably necessary due to:

• Fraud.
• Misrepresentation.
• Chargebacks.
• Unauthorized sharing.
• Repeated policy violations.
• Illegal activities.
• Abuse of Platform Services.
• Court Orders.
• Regulatory directions.
• Termination shall be carried out in accordance with the Terms & Conditions and applicable law.

3.17 Effect of Cancellation or Expiry

Upon cancellation or expiry:

• Unused premium benefits may expire unless otherwise specified.
• Premium support may cease.
• Contact Unlock privileges may end.
• Premium visibility may be removed.
• Subscription-specific features may no longer be available.

Certain records relating to Memberships may continue to be retained in accordance with the Privacy Policy.

3.18 Membership Transfers

Memberships cannot be:

• Assigned.
• Sold.
• Gifted.
• Shared.
• Transferred to another Account.

The Company may permit transfers only where expressly authorized in writing or through an official Platform feature.

3.19 Promotional Memberships

The Company may offer promotional Memberships including:

• Trial Memberships.
• Complimentary Memberships.
• Discounted Memberships.
• Referral Memberships.
• Campaign-based Memberships.

Such Memberships may have separate:

• Eligibility requirements.
• Validity periods.
• Benefits.
• Cancellation terms.
• Refund conditions.

3.20 Abuse of Membership Benefits

Users shall not misuse Membership features by:

• Creating multiple Accounts.
• Circumventing usage limits.
• Sharing premium access.
• Manipulating Credits.
• Automating Contact Unlock.
• Engaging in fraudulent activities.

The Company may investigate suspected abuse and take appropriate enforcement action.

3.21 No Guarantee of Business Results

• Membership Plans provide access to Platform features and benefits only.

The Company does not guarantee:

• Loan approvals.
• Business opportunities.
• Revenue generation.
• Customer acquisition.
• Number of Listings.
• Number of leads.
• Response rates.
• Financial outcomes.
• Purchasing a Membership does not create any guarantee of commercial success.

3.22 Membership Records

The Company may maintain records relating to:

• Membership purchases.
• Renewals.
• Upgrades.
• Downgrades.
• Expiry.
• Cancellation requests.
• Payment history.
• Usage history.
• Such records may be retained in accordance with the Privacy Policy and applicable law.

3.23 Chapter Summary

This Chapter explains the rules governing Membership Plans offered through the FinDeals Platform, including activation, duration, benefits, renewals, upgrades, downgrades, cancellation, suspension, termination, and expiry. Memberships provide access to premium Platform features but do not guarantee business outcomes or financial success. Memberships are personal, generally non-transferable, and subject to the Company's Terms & Conditions, this Policy, and applicable law.

Chapter 4 — CREDITS SYSTEM, CONTACT UNLOCK & USAGE RULES

4.1 Purpose

This Chapter explains the rules governing the FinDeals Credits System, Contact Unlock feature, Credit purchases, Credit usage, Credit expiry, Credit reversals, and related operational practices.

The Credits System is designed to facilitate access to eligible premium Platform features while maintaining fairness, transparency, and preventing misuse.

4.2 Definition of Credits

"Credits" are virtual units issued by SMARTAXIS PRIVATE LIMITED for use exclusively within the FinDeals Platform.

• Credits may be used only for eligible Platform services as determined by the Company.

Credits:

• Are not legal tender.
• Are not electronic money.
• Are not prepaid payment instruments.
• Do not represent a bank deposit.
• Do not constitute securities or financial assets.
• Have no monetary value outside the Platform.

4.3 Permitted Uses of Credits

Credits may be used for eligible Platform features including:

• Contact Unlock.
• Premium Listing Highlight.
• Featured Listings.
• Business Promotions.
• Premium Search Visibility.
• Advertising Services.
• Future Platform services introduced by the Company.

The Company may modify eligible uses from time to time.

4.4 Purchase of Credits

Users may purchase Credits through approved payment methods available on the Platform.

Credit purchases become effective only after:

• Successful payment.
• Payment verification.
• Transaction confirmation.
• Credit allocation by the Platform.

4.5 Promotional Credits

The Company may issue promotional Credits through:

Welcome Offers.

• Referral Programs.
• Marketing Campaigns.
• Business Promotions.
• Customer Support resolutions.
• Loyalty Programs.
• Trial Memberships.

Unless expressly stated otherwise:

• Promotional Credits are non-refundable.
• Promotional Credits cannot be exchanged for cash.
• Promotional Credits may expire earlier than purchased Credits.
• Promotional Credits may have additional usage restrictions.

4.6 Credit Balance

Users may view available Credit balances through their FinDeals Account where such functionality is provided.

The displayed Credit balance maintained by the Company's systems shall generally be treated as the authoritative record, subject to correction of errors.

4.7 Contact Unlock

Contact Unlock allows eligible Business Members to access the contact information associated with an eligible Financial Requirement Listing.

Contact Unlock is available only:

• To eligible Membership holders.
• For eligible Listings.
• Subject to sufficient Credit balance.
• Subject to Platform eligibility rules.
• Subject to fraud prevention measures.

The availability of Contact Unlock does not guarantee that the Listing owner will respond or engage in any transaction.

4.8 Credit Deduction

Credits are generally deducted automatically when a User successfully initiates an eligible Credit-based service.

The number of Credits deducted for a particular service will be displayed before confirmation, where reasonably practicable.

Once a service has been successfully delivered, the associated Credit deduction is generally final, subject to this Policy.

4.9 Failed Contact Unlock

If Contact Unlock fails due to:

• Technical Platform errors.
• Internal processing failures.
• Duplicate processing.
• System malfunction.

the Company may:

• Reverse the deducted Credits.
• Restore Credits to the User's Account.
• Reprocess the transaction where appropriate.
• Credit restoration may require verification.

4.10 Contact Information Accuracy

The Company does not guarantee that:

• Contact information is current.
• Phone numbers remain active.
• Email addresses remain valid.
• Listing owners will respond.
• Listing owners remain interested in the stated financial requirement.

Credits are generally considered consumed once contact information has been successfully made available to the eligible User, unless otherwise provided in this Policy.

4.11 Credit Validity

• Purchased Credits may remain valid for the validity period specified at the time of purchase.

Where no specific validity period is stated, Credits remain valid until:

• Used.
• Expired under this Policy.
• Membership conditions require otherwise.

The User's Account is lawfully terminated.

The Company will clearly communicate any applicable Credit validity period before purchase.

4.12 Credit Expiry

Credits may expire:

• Upon expiry of promotional validity.
• At the end of the specified validity period.

Where required by promotional terms.

• Following prolonged Account inactivity, if disclosed in advance and permitted by applicable law.

The Company will make reasonable efforts to disclose Credit expiry rules before Credits are issued or purchased.

4.13 Non-Transferability

Credits are:

• Personal.
• Non-transferable.
• Non-assignable.
• Non-resalable.
• Non-exchangeable.

Users shall not:

• Sell Credits.
• Transfer Credits.
• Gift Credits.
• Exchange Credits for cash.

Transfer Credits between Accounts unless an official Platform feature expressly permits such transfers.

4.14 No Cash Value

Credits:

• Cannot be redeemed for cash.
• Cannot be withdrawn.
• Cannot be exchanged for legal tender.
• Cannot be pledged.
• Cannot be used outside the FinDeals Platform.
• Credits represent only a limited contractual right to access eligible Platform services.

4.15 Erroneous Credit Allocation

If Credits are mistakenly allocated due to:

• Technical errors.
• Software bugs.
• Payment failures.
• Administrative mistakes.
• Fraudulent activities.

The Company may:

• Correct the Credit balance.
• Reverse erroneous allocations.
• Suspend affected transactions pending investigation.
• Recover improperly issued Credits, subject to applicable law.

Where appropriate, affected Users may be informed of the correction.

4.16 Fraud Prevention

The Company may monitor Credit activity to detect:

• Automated abuse.
• Credit manipulation.
• Fake transactions.
• Unauthorized Account access.
• Suspicious Credit transfers.
• System exploitation.
• Fraudulent Contact Unlock attempts.

The Company may suspend or restrict Credit usage while investigating suspected misuse.

4.17 Credit Misuse

Users shall not:

• Create multiple Accounts to obtain additional Credits.
• Manipulate promotional campaigns.
• Circumvent Platform limits.
• Exploit software vulnerabilities.
• Use automated tools to consume Credits.
• Engage in fraudulent Credit activity.

Violations may result in:

• Credit forfeiture.
• Membership suspension.
• Account suspension.
• Account termination.
• Legal action where appropriate.

4.18 Credit History

The Company may maintain records relating to:

• Credit Purchases.
• Credit Usage.
• Contact Unlock Transactions.
• Credit Reversals.
• Promotional Credits.
• Expired Credits.
• Fraud Investigations.
• Audit Logs.

These records support customer service, dispute resolution, financial reconciliation, fraud prevention, and legal compliance.

4.19 Credit Reversal Requests

Users who believe Credits were incorrectly deducted may submit a request through Customer Support.

The Company may:

• Review transaction logs.
• Review system records.
• Verify Platform activity.
• Investigate technical issues.
• Restore Credits where appropriate.

Users may be required to provide supporting information to facilitate the investigation.

4.20 Changes to the Credits System

The Company may introduce changes to:

• Credit pricing.
• Credit validity.
• Eligible services.
• Contact Unlock pricing.
• Promotional Credit rules.
• Usage limits.
• Credit packages.

Changes generally apply prospectively unless immediate changes are reasonably necessary for security, fraud prevention, legal compliance, or operational integrity.

4.21 Suspension of Credit Services

The Company may temporarily suspend Credit-based services where reasonably necessary due to:

• System maintenance.
• Security incidents.
• Fraud investigations.
• Regulatory requirements.
• Technical failures.
• Infrastructure upgrades.

The Company will seek to restore affected services as soon as reasonably practicable.

4.22 No Guarantee of Commercial Results

Use of Credits or Contact Unlock does not guarantee:

• Successful business opportunities.
• Loan approval.
• Financing.
• Responses from Listing owners.
• Customer acquisition.
• Business revenue.
• Contract formation.

Credits provide access to Platform features only and do not guarantee any commercial or financial outcome.

4.23 Chapter Summary

This Chapter explains the operation of the FinDeals Credits System and Contact Unlock feature. Credits are virtual units that may be purchased or issued for use within the Platform to access eligible services. Credits are personal, non-transferable, have no cash value, and are subject to validity, usage, and fraud prevention rules. The Company maintains transaction records, may reverse Credits in cases of verified technical errors, and reserves the right to take reasonable action against misuse while complying with applicable law.

Chapter 5 — REFUND ELIGIBILITY, NON-REFUNDABLE SERVICES & REFUND PROCESSING

5.1 Purpose

This Chapter establishes the circumstances under which refunds may or may not be granted for payments made on the FinDeals Platform.

The objective is to provide a transparent, fair, and legally compliant framework for refund requests while protecting the Platform from fraud, abuse, and misuse.

5.2 General Refund Principle

Unless expressly stated otherwise in this Policy or required by applicable law:

• Refunds are not automatic.
• Every refund request is subject to review.
• Refund approval depends upon the facts and circumstances of each transaction.

The Company may request additional information before making a decision.

The Company reserves the right to approve or decline refund requests where reasonably justified and in accordance with applicable law.

5.3 Services Eligible for Refund Consideration

Refund requests may be considered in situations including:

• Duplicate payments.
• Multiple charges for the same purchase.
• Technical failures preventing service delivery.
• Incorrect billing caused by Platform errors.
• Successful payment but no activation of the purchased service.
• Payment processed despite transaction cancellation caused by a verified Platform malfunction.
• Other exceptional circumstances determined by the Company.
• Eligibility for consideration does not guarantee approval.

5.4 Duplicate Payments

Where a User accidentally makes multiple payments for the same transaction and verification confirms the duplicate charge, the Company may:

• Refund the duplicate amount.
• Reverse the duplicate transaction.
• Credit the excess amount where appropriate.

The Company may require transaction references and payment evidence before processing such requests.

5.5 Technical Failure Refunds

A refund may be considered where:

• Payment was successfully completed.

The purchased service could not be delivered due to a verified Platform error.

The User did not receive the purchased benefit.

The issue cannot reasonably be resolved by restoring or activating the service.

The Company may first attempt to provide the purchased service before issuing a monetary refund, where appropriate and acceptable under applicable law.

5.6 Unauthorized Transactions

If a User reports an unauthorized transaction, the Company may:

• Investigate the matter.
• Coordinate with payment providers.
• Request identity verification.
• Review Account activity.
• Cooperate with financial institutions and competent authorities where appropriate.

Refund decisions relating to unauthorized transactions shall depend upon:

• Investigation findings.
• Applicable law.
• Payment provider policies.
• Evidence available.

5.7 Incorrect Charges

Where the Company determines that a User has been incorrectly charged due to:

• System errors.
• Billing errors.
• Administrative mistakes.
• Duplicate billing.

the Company may:

• Correct the billing.
• Issue a partial refund.
• Issue a full refund.
• Credit the User's Account where appropriate.

5.8 Non-Refundable Services

Unless required by applicable law, the following are generally non-refundable once successfully delivered or consumed:

• Used Credits.
• Consumed Contact Unlocks.
• Premium Listing Highlights that have already been activated.
• Featured Listings after publication.
• Advertising Services already delivered.
• Promotional Services already executed.
• Membership benefits already substantially used.
• Promotional Credits.
• Complimentary Credits.
• Trial Memberships.
• Free promotional services.

5.9 Membership Refunds

• Membership fees are generally non-refundable after successful activation.

However, refunds may be considered where:

• Activation failed due to a verified Platform error.
• Duplicate payment occurred.

The purchased Membership could not be delivered.

• Applicable law requires a refund.
• Partial use of Membership benefits may reduce or eliminate refund eligibility.

5.10 Credits Refunds

• Purchased Credits are generally non-refundable after successful allocation to the User's Account.

Exceptions may include:

• Duplicate purchases.
• Technical allocation errors.
• Fraudulent duplicate processing.
• Legal requirements.
• Other exceptional circumstances determined by the Company.
• Unused Credits do not automatically qualify for a refund unless expressly stated.

5.11 Contact Unlock Refunds

Once contact information has been successfully unlocked and made available to the User, the Credits or payment used for the Contact Unlock are generally non-refundable.

No refund will ordinarily be provided because:

The Listing owner does not respond.

The Listing owner declines the opportunity.

The Listing has already been fulfilled.

• Contact details later become inactive.
• Business negotiations fail.
• A loan is not approved.
• Financing is unavailable.

The Contact Unlock service is considered successfully delivered when eligible contact information is made available to the User.

5.12 Premium Listing Refunds

Refunds are generally unavailable once a Premium Listing:

• Has been published.
• Has received promotional visibility.
• Has begun its promotional period.

Temporary fluctuations in visibility, impressions, or User engagement do not by themselves create refund eligibility.

5.13 Advertising Services

Advertising campaigns already delivered, displayed, or substantially performed are generally non-refundable.

• Minor variations in campaign performance do not constitute failure of service.

5.14 Refund Request Procedure

Users seeking a refund should submit a request through the Company's official Customer Support channels.

The request should include, where applicable:

• Account details.
• Transaction Reference Number.
• Payment Date.
• Purchased Service.
• Reason for the request.
• Supporting documents.
• Incomplete requests may delay processing.

5.15 Verification Process

Before processing any refund request, the Company may verify:

• Payment records.
• Transaction logs.
• Service activation records.
• Credit history.
• Membership status.
• Platform usage.
• Fraud indicators.
• Identity of the requesting User.

The Company may request additional information where reasonably necessary.

5.16 Refund Decision

Following review, the Company may:

• Approve the refund.
• Partially approve the refund.
• Decline the refund.
• Offer service restoration instead of a refund.
• Credit the User's Account where appropriate.

The Company will communicate the outcome through appropriate communication channels.

5.17 Refund Timelines

• If a refund is approved, the Company will initiate the refund within a reasonable period.

The actual time taken for the refunded amount to appear in the User's account may depend on:

• Banks.
• Card issuers.
• Payment gateways.
• UPI providers.
• Financial institutions.

The Company is not responsible for delays caused solely by third-party payment providers after the refund has been initiated.

5.18 Mode of Refund

Approved refunds will generally be processed using the original payment method wherever reasonably practicable.

Where this is not possible, the Company may use another lawful payment method after verifying the User's identity and entitlement.

5.19 Partial Refunds

In appropriate circumstances, the Company may issue a partial refund where:

• Only part of the purchased service was delivered.
• Some Membership benefits were already consumed.
• Only a portion of the Credits were affected.
• Applicable law permits partial refunds.

5.20 Fraudulent Refund Requests

Users shall not:

• Submit false refund claims.
• Manipulate transaction records.
• Misrepresent payment history.
• Abuse refund procedures.
• Submit duplicate refund requests for the same transaction.

Fraudulent refund requests may result in:

• Refund denial.
• Membership suspension.
• Credit forfeiture.
• Account suspension.
• Account termination.
• Legal action where appropriate.

5.21 Chargebacks

Users are encouraged to contact the Company before initiating a chargeback through their financial institution.

Where a chargeback is initiated, the Company may:

• Suspend the related transaction.
• Restrict access to affected services.
• Provide transaction records to the payment provider.
• Cooperate with financial institutions during the investigation.

If the chargeback is resolved in favor of the Company, the Company may reinstate any applicable payment obligations or take other appropriate action in accordance with applicable law.

5.22 Exceptional Circumstances

The Company may consider refund requests outside the standard rules in exceptional circumstances, including:

• Serious technical failures.
• Regulatory requirements.
• Court orders.
• Consumer protection obligations.
• Administrative errors.
• Other situations where a refund is reasonably appropriate.
• Any such decision shall not create a precedent for future refund requests.

5.23 Limitation

Approval of one refund request does not establish a continuing right to refunds for future purchases.

Each request shall be evaluated independently based on:

The facts.

• Available evidence.
• Platform records.
• Applicable law.

This Policy.

5.24 Chapter Summary

This Chapter establishes the refund framework applicable to payments made on the FinDeals Platform. It identifies the circumstances in which refunds may be considered, defines services that are generally non-refundable, explains the refund request and verification process, addresses duplicate payments, technical failures, chargebacks, and unauthorized transactions, and confirms that each refund request is assessed individually based on applicable law, Platform records, and the specific facts of the transaction.

Chapter 6 — CANCELLATION OF SERVICES, CHARGEBACKS & DISPUTE RESOLUTION

6.1 Purpose

This Chapter establishes the rules governing cancellation of paid services, chargebacks, payment disputes, investigations, suspension of services during disputes, and the resolution of disputes relating to transactions made through the FinDeals Platform.

The objective is to ensure that payment-related disputes are handled fairly, transparently, and in accordance with applicable law.

6.2 General Principles

The Company seeks to:

• Process cancellation requests fairly.
• Resolve payment disputes promptly.
• Protect Users against verified billing errors.
• Prevent fraudulent cancellations and chargebacks.
• Maintain accurate transaction records.
• Comply with applicable legal and regulatory obligations.

6.3 User-Initiated Cancellation

Where cancellation is permitted, Users may request cancellation of eligible paid services through:

• Account Settings.
• Subscription Management.
• Customer Support.
• Other official Platform channels.

Cancellation requests become effective only after confirmation by the Company's systems where applicable.

6.4 Cancellation Before Service Activation

If a User requests cancellation before:

• Membership activation
• Credit allocation
• Contact Unlock
• Premium Listing activation, or
• Any other paid service being delivered

the Company may, after verification, cancel the transaction and process any applicable refund in accordance with this Policy.

6.5 Cancellation After Service Activation

Once a paid service has been successfully activated or substantially delivered, cancellation generally:

• Does not reverse the completed service.
• Does not automatically create refund eligibility.
• Is governed by the refund rules contained in this Policy.

6.6 Membership Cancellation

Users may cancel future Membership renewals at any time before the next billing cycle.

Unless otherwise required by applicable law:

• Current Membership benefits remain available until expiry.
• Cancellation prevents future renewals only.
• Current subscription fees are generally non-refundable after activation.

6.7 Cancellation of Contact Unlock

After Contact Unlock has successfully provided eligible contact information:

The transaction is considered completed.

• Credits or payments used are generally non-refundable.

The transaction cannot ordinarily be cancelled.

6.8 Cancellation of Credit Purchases

Purchased Credits that have been successfully allocated to a User's Account generally cannot be cancelled.

Exceptions may apply where:

• Duplicate payments occurred.
• Technical allocation errors are verified.
• Applicable law requires cancellation.

6.9 Cancellation of Promotional Services

Promotional services that have already commenced, including:

• Premium Highlight
• Featured Listings
• Sponsored Promotions
• Advertising Campaigns
• generally cannot be cancelled once delivery has begun.

6.10 Company-Initiated Cancellation

The Company may cancel paid services where reasonably necessary due to:

• Technical failures.
• Pricing errors.
• Duplicate transactions.
• Fraud.
• Unauthorized payments.
• Regulatory requirements.
• Court orders.
• Security concerns.
• System abuse.

Where appropriate, affected Users may receive refunds or alternative remedies in accordance with this Policy.

6.11 Pricing Errors

If a paid service is made available at an obviously incorrect price due to:

• Software errors.
• Human error.
• Technical malfunction.
• System configuration issues.

the Company may:

• Cancel the affected transaction.
• Refund any payment received.
• Offer the User the option to repurchase at the correct price, where appropriate.

6.12 Failed Service Delivery

If a purchased service cannot reasonably be delivered because of a verified Platform issue, the Company may:

• Restore the service.
• Provide an equivalent service.
• Extend the validity period.
• Issue Credits.
• Process a refund where appropriate.

The remedy selected shall depend on the circumstances of the case.

6.13 Chargebacks

A chargeback occurs when a User disputes a payment through their bank, card issuer, UPI provider, or payment service provider.

Users are encouraged to contact the Company before initiating a chargeback so that the matter may be resolved directly where possible.

6.14 Investigation of Chargebacks

Where a chargeback is initiated, the Company may:

• Review transaction records.
• Review payment logs.
• Review Account activity.
• Verify service delivery.
• Submit evidence to the payment provider.
• Cooperate with financial institutions.
• Cooperate with competent authorities where appropriate.

6.15 Suspension During Investigation

During a payment dispute or chargeback investigation, the Company may temporarily:

• Suspend Membership benefits.
• Restrict Credit usage.
• Suspend Contact Unlock.
• Limit premium services.
• Restrict Account access where reasonably necessary.
• Such measures are intended to protect all parties while the investigation is ongoing.

6.16 Fraudulent Chargebacks

Users shall not initiate chargebacks where:

• Services were successfully delivered.
• Payments were validly authorized.
• Chargebacks are used to avoid legitimate payment obligations.

Fraudulent chargebacks may result in:

• Recovery of unpaid amounts.
• Suspension of Membership.
• Suspension or termination of the User Account.
• Restriction of future purchases.
• Legal action where appropriate.

6.17 Payment Disputes

Users who believe a payment error has occurred should promptly contact Customer Support with:

• Transaction reference.
• Payment date.
• Amount paid.
• Description of the issue.
• Supporting documentation, where available.
• Prompt reporting helps facilitate timely investigation and resolution.

6.18 Investigation Procedure

The Company may investigate disputes by reviewing:

• Payment gateway records.
• Internal transaction logs.
• Membership records.
• Credit history.
• Service activation records.
• System audit logs.
• Customer communications.
• Other relevant information.

The Company may request additional documentation where reasonably necessary.

6.19 Resolution Options

Following investigation, the Company may:

• Confirm the transaction.
• Reverse the transaction.
• Restore the purchased service.
• Restore Credits.
• Extend Membership validity.
• Issue a partial refund.
• Issue a full refund.
• Reject the dispute where unsupported by the available evidence.

The selected resolution will depend on the facts, this Policy, and applicable law.

6.20 Time Required for Resolution

The time required to resolve disputes may vary depending on:

• Complexity of the issue.
• Payment provider response times.
• Banking procedures.
• Availability of supporting information.
• Regulatory requirements.

The Company will make reasonable efforts to resolve disputes within a commercially reasonable timeframe.

6.21 Record Keeping

The Company may maintain records relating to:

• Cancellation requests.
• Refund requests.
• Chargebacks.
• Payment disputes.
• Investigation findings.
• Communication history.
• Resolution outcomes.
• These records may be retained in accordance with the Privacy Policy and applicable law.

6.22 Regulatory Compliance

The Company may share relevant information with:

• Payment gateway providers.
• Banks.
• Card networks.
• UPI providers.
• Regulatory authorities.
• Law enforcement agencies.
• Such disclosures will be made only where permitted or required by applicable law.

6.23 Limitation of Liability

The Company shall not be responsible for delays caused solely by:

• Banks.
• Payment gateway providers.
• Card issuers.
• UPI service providers.
• Network interruptions.
• Government actions.
• Force majeure events.
• Nothing in this provision limits liability where such limitation is prohibited by applicable law.

6.24 Good Faith Resolution

The Company encourages Users to work with Customer Support to resolve payment concerns before initiating external disputes or legal proceedings.

• Both parties should act honestly, provide accurate information, and cooperate during investigations.

6.25 Chapter Summary

This Chapter establishes the framework governing cancellation of paid services, chargebacks, payment disputes, investigations, and dispute resolution. It explains when cancellations may be permitted, how chargebacks are investigated, the Company's rights during dispute resolution, and the possible remedies available. The Company seeks to resolve disputes fairly while protecting Users, maintaining payment integrity, and complying with applicable law.

Chapter 7 — PROMOTIONAL OFFERS, COUPONS, FREE TRIALS & CAMPAIGN BENEFITS

7.1 Purpose

This Chapter governs promotional offers, discount campaigns, coupon codes, referral programs, complimentary Memberships, bonus Credits, free trials, and other promotional incentives offered through the FinDeals Platform.

The purpose of these promotions is to encourage legitimate use of Platform services while ensuring fairness, transparency, and preventing misuse.

7.2 Promotional Programs

The Company may introduce promotional programs from time to time, including:

Welcome Offers.

• Coupon Codes.
• Discount Campaigns.
• Festival Offers.
• Seasonal Promotions.
• Business Growth Campaigns.
• Referral Programs.
• Complimentary Memberships.
• Bonus Credits.
• Cashback Campaigns (where offered).
• Free Trial Programs.
• Partner Promotions.
• Loyalty Rewards.
• Early Access Programs.
• Other promotional initiatives.

Participation in any promotional program is voluntary and subject to this Policy and any additional promotional terms.

7.3 Eligibility

Participation in promotional campaigns may depend upon:

• Account verification.
• Membership status.
• Geographic location.
• Business category.
• Referral eligibility.
• Campaign period.
• Previous participation.
• Compliance with Platform policies.

The Company reserves the right to verify eligibility before granting promotional benefits.

7.4 Promotional Terms

Each promotional campaign may specify:

• Eligibility criteria.
• Start date.
• End date.
• Duration.
• Benefits.
• Applicable services.
• Geographic availability.
• Usage limitations.
• Expiry period.
• Other campaign-specific conditions.

Where campaign-specific terms conflict with this Chapter, the campaign-specific terms shall prevail for that promotion unless prohibited by applicable law.

7.5 Coupon Codes

The Company may issue coupon codes providing:

• Percentage Discounts.
• Fixed Amount Discounts.
• Bonus Credits.
• Membership Discounts.
• Promotional Benefits.
• Other incentives.

Coupon codes:

• May be single-use.
• May be time-limited.
• May apply only to selected services.
• May require minimum purchase amounts.
• May have geographic restrictions.

7.6 Coupon Redemption

Coupons must generally:

• Be entered before payment.
• Be valid at the time of purchase.
• Satisfy applicable eligibility requirements.
• Be used only in accordance with promotional terms.
• Expired or invalid coupon codes cannot ordinarily be redeemed.

7.7 Discount Campaigns

The Company may conduct promotional pricing campaigns including:

• Limited-Time Discounts.
• Seasonal Sales.
• Business Growth Offers.
• Launch Offers.
• Anniversary Promotions.
• Referral Discounts.
• Bundle Offers.
• Discounted prices apply only during the applicable promotional period.

7.8 Referral Programs

The Company may operate referral programs through which eligible Users may receive promotional benefits for referring new Users.

Referral programs may require:

• Successful registration.
• Account verification.
• Completion of specified actions.
• Compliance with referral rules.

The Company may investigate referrals to detect fraudulent activity.

7.9 Complimentary Memberships

The Company may provide complimentary Memberships through:

• Promotional campaigns.
• Customer appreciation programs.
• Business partnerships.
• Marketing initiatives.
• Customer support resolutions.

Complimentary Memberships may include reduced or modified benefits compared to paid Membership Plans.

7.10 Free Trial Memberships

The Company may offer free trial Memberships that provide temporary access to selected premium features.

Unless otherwise stated:

• Free trials are available only once per eligible User.
• Free trials may have limited functionality.

Free trials automatically expire at the end of the trial period unless converted to a paid Membership.

• Additional eligibility conditions may apply.

7.11 Bonus Credits

• Promotional campaigns may award Bonus Credits.

Unless expressly stated otherwise:

• Bonus Credits have no cash value.
• Bonus Credits may expire.
• Bonus Credits cannot be transferred.
• Bonus Credits cannot be redeemed for money.
• Bonus Credits may be subject to usage restrictions.

7.12 Promotional Expiry

Promotional benefits may expire:

• At the end of the campaign.
• Upon expiry of the stated validity period.
• Upon Membership expiry where applicable.
• Upon fulfillment of campaign conditions.
• As specified in the promotional terms.
• Expired promotional benefits cannot ordinarily be restored.

7.13 Promotional Limitations

Promotional offers may be limited by:

• Number of Users.
• Geographic availability.
• Time period.
• Membership type.
• Campaign budget.
• Available inventory.
• Business category.
• Availability is not guaranteed until the promotion has been successfully applied.

7.14 Combination of Promotions

Unless expressly permitted:

• Promotions cannot be combined.
• Multiple coupon codes cannot be applied to the same transaction.
• Discounts generally cannot be stacked.
• Promotional Credits cannot ordinarily be combined with other promotional offers.

The Company will determine promotional compatibility at its reasonable discretion.

7.15 Promotional Misuse

Users shall not:

• Create multiple Accounts.
• Manipulate referral programs.
• Exploit software errors.
• Use automated systems.
• Circumvent promotional limits.
• Submit false information.
• Abuse campaign benefits.
• Any attempt to obtain promotional benefits through dishonest or fraudulent means is prohibited.

7.16 Investigation of Promotional Abuse

The Company may investigate suspected promotional abuse by reviewing:

• Account history.
• Device information.
• Transaction records.
• Referral activity.
• Payment history.
• Login records.
• Other relevant Platform data.

Where reasonably necessary, promotional benefits may be temporarily withheld during investigation.

7.17 Consequences of Abuse

Where the Company reasonably determines that promotional abuse has occurred, it may:

• Cancel promotional benefits.
• Reverse Bonus Credits.
• Cancel complimentary Memberships.
• Reject coupon usage.
• Suspend Membership.
• Suspend or terminate Accounts.
• Recover improperly obtained promotional benefits.
• Take legal action where appropriate.
• Such actions will be taken in accordance with applicable law.

7.18 Modification or Withdrawal of Promotions

The Company may modify, suspend, or withdraw promotional campaigns:

• Upon campaign completion.
• Due to fraud prevention.
• Due to operational requirements.
• Due to legal obligations.
• Due to technical issues.
• Due to business requirements.

Changes generally do not affect promotions already validly redeemed unless required to correct fraud or technical errors.

7.19 No Cash Value

Unless expressly stated otherwise:

• Promotional offers have no cash value.
• Discounts cannot be redeemed for money.
• Complimentary Memberships cannot be exchanged for cash.
• Bonus Credits cannot be withdrawn.
• Promotional benefits cannot be sold or transferred.

7.20 Errors in Promotions

If promotional benefits are granted due to:

• Technical errors.
• Software defects.
• Administrative mistakes.
• System malfunctions.

the Company may correct the error by:

• Cancelling the promotion.
• Reversing Bonus Credits.
• Adjusting Membership benefits.
• Correcting pricing.
• Recovering improperly granted promotional benefits, subject to applicable law.

7.21 Compliance with Applicable Law

All promotional campaigns shall be conducted in accordance with applicable laws, consumer protection requirements, advertising standards, and taxation obligations.

Where required by law, promotional terms shall be interpreted consistently with applicable legal requirements.

7.22 Chapter Summary

This Chapter governs promotional offers, coupon codes, referral programs, complimentary Memberships, free trials, Bonus Credits, discount campaigns, and other promotional incentives offered through the FinDeals Platform. It establishes eligibility requirements, promotional limitations, misuse prevention measures, and confirms that promotional benefits generally have no cash value, are subject to expiry, and may be modified or withdrawn in accordance with this Policy and applicable law.

Chapter 8 — MISCELLANEOUS PROVISIONS, NOTICES & FINAL LEGAL CLAUSES

8.1 Purpose

This Chapter contains the miscellaneous legal provisions governing the interpretation, administration, amendment, enforcement, and overall application of this Refund, Cancellation & Credits Policy.

These provisions are intended to ensure legal certainty, operational consistency, and compliance with applicable laws.

8.2 Relationship with Other Policies

This Policy shall be read together with:

• Privacy Policy.
• Membership Policy.
• Credits Policy.
• Community Guidelines.
• Contact Unlock Policy.
• Cookie Policy.
• Any other applicable Platform policies.

In the event of any inconsistency, the policy specifically governing the relevant subject matter shall prevail, unless otherwise required by applicable law.

8.3 Policy Amendments

SMARTAXIS PRIVATE LIMITED may revise, update, modify, or replace this Policy from time to time where reasonably necessary due to:

• Changes in law.
• Regulatory requirements.
• Court decisions.
• Platform enhancements.
• Operational improvements.
• Security requirements.
• Fraud prevention measures.
• Business requirements.

Material changes may be communicated through appropriate Platform channels where required by applicable law.

8.4 Effective Date

This Policy shall become effective on the date specified at the beginning of the document.

Unless otherwise stated, amendments become effective from the date of publication on the FinDeals Platform.

8.5 Version History

The Company may maintain:

• Version Number.
• Effective Date.
• Last Updated Date.
• Summary of Material Changes.
• Historical versions may be retained for audit, legal, and compliance purposes.

8.6 Electronic Communications

Users agree that the Company may communicate electronically through:

• Email.
• SMS.
• WhatsApp.
• Push Notifications.
• In-App Messages.
• Platform Notices.
• Customer Dashboard.

Electronic communications shall satisfy any legal requirement that communications be in writing where permitted by applicable law.

8.7 Notices

Users are responsible for keeping their contact information current.

Official notices sent to the email address, mobile number, or Account registered with FinDeals shall be deemed received in accordance with applicable law unless proven otherwise.

8.8 Record Retention

The Company may retain records relating to:

• Payments.
• Refund Requests.
• Cancellation Requests.
• Membership Transactions.
• Credit Purchases.
• Contact Unlock Usage.
• Chargebacks.
• Customer Communications.
• Investigation Reports.
• Audit Logs.
• Retention shall be governed by the Privacy Policy and applicable legal requirements.

8.9 Force Majeure

The Company shall not be liable for delays or failures in performing its obligations under this Policy where such delays or failures result from events beyond its reasonable control, including:

• Natural disasters.
• Floods.
• Earthquakes.
• Fires.
• Pandemics.
• Epidemics.
• War.
• Terrorist acts.
• Civil unrest.
• Government restrictions.
• Internet failures.
• Power outages.
• Telecommunications failures.
• Cyberattacks.
• Payment network outages.
• Acts of third-party service providers beyond the Company's reasonable control.

The Company will make reasonable efforts to resume normal operations as soon as practicable.

8.10 Assignment

The Company may assign or transfer its rights and obligations under this Policy as part of:

• Corporate restructuring.
• Merger.
• Acquisition.
• Sale of assets.
• Business transfer.
• Group company reorganization.

Users may not assign or transfer their rights or obligations under this Policy without the Company's prior written consent.

8.11 No Waiver

Failure by the Company to enforce any provision of this Policy shall not constitute a waiver of that provision or of any other rights available under this Policy or applicable law.

8.12 Severability

If any provision of this Policy is declared invalid, illegal, or unenforceable by a court or competent authority, the remaining provisions shall continue in full force and effect to the fullest extent permitted by law.

8.13 Entire Policy

This Policy constitutes the complete agreement relating to refunds, cancellations, Credits, and payment-related matters between the Company and Users.

This Policy supplements, and does not replace, the FinDeals Terms & Conditions.

8.14 Survival

The following provisions shall survive cancellation, termination, or expiry of Memberships or User Accounts where applicable:

• Payment obligations.
• Fraud investigations.
• Chargeback handling.
• Record retention.
• Audit rights.
• Dispute resolution.
• Legal compliance.
• Limitation of liability.
• Regulatory reporting.

8.15 Governing Law

This Policy shall be governed by and interpreted in accordance with the laws of India.

8.16 Dispute Resolution

Any disputes arising under this Policy shall be resolved in accordance with the dispute resolution provisions contained in the FinDeals Terms & Conditions.

Unless otherwise required by applicable law:

• Good-faith discussions should be attempted before formal proceedings.
• Disputes may be referred to arbitration where applicable.

Courts having jurisdiction under the Terms & Conditions may exercise supervisory jurisdiction where required.

8.17 Regulatory Compliance

The Company shall administer this Policy in accordance with applicable Indian laws, including, where relevant:

The Information Technology Act, 2000.

The Digital Personal Data Protection Act, 2023.

• Consumer protection laws.
• Taxation laws.
• Electronic records laws.
• Other applicable statutory requirements.

8.18 Contact Information

Questions relating to refunds, cancellations, Credits, Memberships, or payments may be directed through the Company's official customer support channels published on the FinDeals Platform.

Official contact information may include:

• Registered Office Address.
• Customer Support Email.
• Support Phone Number.
• Website Contact Form.
• In-App Customer Support.

8.19 Grievance Officer

The Company shall designate a Grievance Officer or other authorized representative where required by applicable law.

The published details may include:

• Name.
• Designation.
• Email Address.
• Postal Address.
• Contact Number.

Publication Note: Replace this placeholder with the details of the appointed Grievance Officer before publication.

8.20 User Acknowledgement

By purchasing or using any paid service on the FinDeals Platform, the User acknowledges that they have:

• Read this Policy.
• Understood this Policy.
• Accepted this Policy.
• Agreed to comply with this Policy.
• Understood the refund, cancellation, Membership, and Credits rules described herein.

8.21 Interpretation

In interpreting this Policy:

• Headings are for convenience only.
• Singular includes plural where the context requires.
• References to laws include amendments and successor legislation.
• References to "including" mean "including without limitation."

8.22 Reservation of Rights

Except where prohibited by applicable law, the Company reserves all rights not expressly granted under this Policy.

Nothing in this Policy shall be interpreted as limiting any legal rights available to the Company under applicable law.

8.23 Electronic Version

The electronic version of this Policy published by SMARTAXIS PRIVATE LIMITED shall be deemed the official version.

• Printed copies are provided solely for convenience.

8.24 Final Statement

SMARTAXIS PRIVATE LIMITED is committed to providing transparent, fair, and efficient payment, refund, cancellation, and Credits management practices.

The Company aims to balance customer satisfaction, fraud prevention, operational integrity, and legal compliance while continuously improving the FinDeals Platform and its paid services.