1. Introduction

At  CHILLARPAY BUSINESS SOLUTIONS PRIVATE LIMITED , JIVEEKA ENTERPRISES  &  MOHAN KAMAL ENTERPRISES, we prioritize customer satisfaction and strive to provide seamless digital transaction services, including Pay In (Payment Gateway), Pay Out, Mobile/DTH Recharge, SMS API, and Aadhaar Verification API. This Refund & Cancellation Policy outlines the terms under which transactions can be canceled and refunds can be issued.

2. Cancellation Policy

• Once a transaction is successfully processed through our platform, it cannot be canceledby the user.
• In case of duplicate transactions, users must contact our support team immediately with transaction details.
• If a transaction is stuck, failed, or pendingdue to technical issues, it may be auto-reversed within the bank’s standard timeframe. If not, users may raise a complaint.
• Any fraudulent or unauthorized transactionsshould be reported immediately.

3. Refund Policy

Refunds will be processed under the following conditions:

✅ Failed Transactions: If the amount is debited but the transaction fails, the refund will be processed automatically within 5-7 working days, depending on the bank or payment gateway.
✅ Duplicate Payments: If a user has made multiple payments for the same service, the excess amount will be refunded after verification.
✅ Unprocessed Requests: If a requested service is not completed due to technical or operational issues, the refund will be initiated.

Refund Exceptions:

❌ Refunds will not be provided for successful transactions.
❌ Service charges, convenience fees, or gateway charges are non-refundable.
❌ Refund requests must be raised within 7 days of the transaction date.

4. How to Request a Refund

To request a refund, users must contact us via:

📧 Email: manakinchidi@gmail.com
📞 Phone: 6378026748, 9571752223

Users must provide the following details for verification:

• Transaction ID
• Payment receipt
• Registered contact details

5. Processing Time for Refunds

• Refunds, if applicable, will be processed within 7-10 working daysafter verification.
• The amount will be credited to the original payment source (bank account, wallet, or card).
• Users should check with their respective banks for any delays beyond our processing period.

6. Changes to This Policy

JIVEEKA ENTERPRISES & MOHAN KAMAL ENTERPRISES reserve the right to modify this Refund & Cancellation Policy at any time without prior notice. Users are encouraged to review it periodically.

For any disputes or queries, please contact our support team.