A payment should not be made unless you understand the applicable service, price and refund conditions. Refund eligibility depends on the transaction status, service rules and applicable law.
1. Scope of this Policy
This Refund & Cancellation Policy applies to payments made for Panget Solutions digital services, online tools, account-related services and applicable Panget Brand products.
A particular service or product may display additional conditions before payment. Where a specific published condition applies to that transaction, that condition should be read together with this policy.
Nothing in this policy is intended to remove or limit any refund, cancellation or consumer right that cannot lawfully be excluded under applicable law.
2. Before Completing Payment
Customers should check the service name, product, quantity, applicable fee, delivery information and other transaction details before confirming payment.
- Confirm that the selected service or product is correct.
- Review the amount shown before payment.
- Provide accurate information required for processing.
- Do not make duplicate payments because a payment page appears slow.
- Keep the transaction or order reference for support.
Once processing has started, cancellation may no longer be available for that service.
3. Non-Refundable Transactions
Payments for services that have already been completed, processed, substantially started or successfully delivered are generally non-refundable, subject to applicable law and any specific refund entitlement displayed for that service.
A refund is not automatically available simply because a customer changes their mind after a service has been processed or delivered.
Fees paid for completed digital processing, successful service delivery, completed form assistance or other completed services may therefore be treated as non-refundable unless the applicable service policy states otherwise.
4. When a Refund May Be Considered
A refund may be considered where the applicable service or product policy provides for one, or where a transaction is verified as eligible under the circumstances.
The existence of one of these circumstances does not by itself guarantee a refund. The transaction and applicable policy may need to be reviewed.
5. Failed Payments and Failed Services
A payment attempt that does not complete successfully should not normally be treated as a completed order or service transaction.
If money appears to have been debited but the service or order was not successfully created, keep the payment reference and contact support. The transaction may need to be verified with the relevant payment provider.
Where a refund is approved, the amount may be returned through the original payment route or another available method, depending on the transaction.
6. Pending or Delayed Transactions
A transaction marked pending may require additional time for payment or service confirmation. Customers should avoid making another payment for the same transaction unless instructed to do so.
A pending status does not automatically mean that a refund is due. The transaction may be completed, rejected, reversed or refunded depending on the underlying payment and service status.
7. Wallet Balance and Account Credits
Where Panget Solutions provides a wallet or account balance, wallet additions, deductions, refunds, transfers and service charges may be governed by separate account and service rules.
Inactivity
Accounts that remain inactive for 45 consecutive days may be restricted, suspended or deactivated according to the Account Policy. Any wallet treatment connected with inactivity will be subject to the applicable wallet or account terms displayed by the platform.
A wallet balance should not automatically be considered refundable as cash merely because the user no longer wants to use the service. Eligibility depends on the applicable wallet terms, transaction history and law.
8. Physical Products
Physical Panget Brand products are subject to product availability, shipping conditions and the applicable return or replacement requirements.
A product that has been delivered successfully is not automatically refundable merely because the customer changes their mind.
Damaged, incorrect, missing or otherwise eligible product issues should be reported promptly with the order reference and supporting information such as photographs where appropriate.
Shipping and delivery matters are covered in the Shipping & Delivery Policy.
9. Cancellation Rules
Cancellation is available only where the relevant service or product process permits it.
A cancellation request should be made as early as possible and before processing begins. Once a service has been processed, generated, submitted, shipped or otherwise substantially started, cancellation may not be possible.
Simply submitting a cancellation request does not guarantee that the transaction will be cancelled or refunded.
10. Refund Review and Processing
Refund requests may be reviewed using information such as the account, order or transaction reference, payment status, service status, relevant timestamps and the reason for the request.
Information that may be requested
- Registered username or account information.
- Order, transaction or reference number.
- Payment date and amount.
- Description of the issue.
- Supporting evidence where necessary.
Approved refunds may take additional time to appear depending on the payment gateway, bank, UPI provider or other financial institution.
Panget Solutions does not control the processing time of an external payment provider after a refund has been initiated.
11. Fraud, Abuse and False Refund Claims
Refund systems must not be used for fraudulent, misleading or abusive claims.
Panget Solutions may investigate suspicious refund activity, repeated disputed transactions, duplicate claims, manipulated evidence or other activity that appears inconsistent with legitimate use.
Accounts may be restricted or suspended where there is a legitimate security, fraud-prevention or policy-enforcement reason, subject to applicable law.
12. Refund and Cancellation Support
For a refund or cancellation question, contact official support with the relevant order or transaction reference. Do not share your password, OTP, PIN, CVV or other confidential authentication credentials.
This policy should be read with the Terms & Conditions, Privacy Policy, Account Policy and Shipping & Delivery Policy.