1. General
This policy applies only where the organisation offers a service or transaction for which cancellation or refund is applicable. Loan disbursement, repayments, fees and charges shall be governed by the applicable agreement and product terms.
2. Cancellation Requests
Customers should submit cancellation requests through customer@parvatimicro.com or support@parvatimicro.com with relevant transaction/application details. A request does not automatically cancel an obligation already created under an agreement.
3. Refund Assessment
Any eligible refund shall be assessed according to the applicable agreement, transaction status, service delivered, statutory requirements and documented terms. Approved refunds will be processed through the applicable payment channel, subject to processing timelines.
4. Non-Refundable Amounts
Amounts that are expressly stated as non-refundable under applicable terms, or amounts already legally due under a contract, may not be refundable.
5. Disputes
If a customer disagrees with a refund or cancellation decision, the customer may raise a complaint through the grievance process.