Refund & Cancellation Policy

1. Overview & Scope

This Refund and Cancellation Policy ("Refund Policy") governs all requests for refunds of payments made to Boffin Financial Solutions Private Limited ("Boffin," "we," "us," or "our") through our online payment gateway accessible at www.boffinsolutions.com/pay-online.php (the "Pay Online Page").

This Refund Policy applies to all users — whether individuals or entities — located within India or anywhere in the world who make payments to Boffin Financial Solutions through our Pay Online Page. By making a payment through the Pay Online Page, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

This Refund Policy is to be read in conjunction with our Terms and Conditions and Privacy Policy, both of which are incorporated herein by reference.

2. Pay Online Page

Our Pay Online Page at www.boffinsolutions.com/pay-online.php allows clients from India and across the globe to make secure payments to Boffin Financial Solutions for our professional financial services and solutions.

Payments accepted through our Pay Online Page may include:

• Domestic (India): Credit cards, debit cards, Net Banking, UPI (Unified Payments Interface), and supported wallets.
• International: Credit cards (Visa, Mastercard, American Express) and other internationally accepted payment instruments supported by our payment gateway.

All payments are processed through a secure, PCI-DSS compliant third-party payment gateway. Boffin Financial Solutions does not store your card or banking credentials.

Once a payment is successfully completed, you will receive a confirmation acknowledgment via email or on-screen. Please save your transaction reference ID, as it will be required for any refund request.

3. The 24-Hour Refund Window

Why a 24-Hour Window?

Boffin Financial Solutions begins processing and allocating resources towards your service engagement as soon as a payment is confirmed. The 24-hour window provides a fair opportunity for clients to raise genuine payment errors or reconsider their engagement, while allowing us to plan and commit resources effectively.

What Constitutes the Start of the 24-Hour Period?

The 24-hour countdown begins at the date and time stamp of the payment success confirmation as recorded by our payment gateway system. For clarity:

• A payment confirmed at 10:00 AM IST on Monday has a refund request deadline of 10:00 AM IST on Tuesday.
• The 24-hour clock runs continuously, including weekends and public holidays.
• The timestamp is determined by our payment gateway system record, not by your local time or the time you believe the payment was made.

We strongly recommend submitting your refund request as early as possible within the 24-hour window to allow for prompt processing. Do not wait until the last moment.

4. Refund Eligibility

A refund request may be considered eligible subject to the following conditions being met:

5. Non-Refundable Situations

The following are strictly non-refundable under this Refund Policy:

6. How to Request a Refund

To initiate a refund request, follow these steps carefully:

• 1
  Act Promptly — Within 24 Hours

  Ensure you raise your request within 24 hours of the payment confirmation timestamp. Do not delay.

• 2
  Send an Email to Our Team

  Email us at contact@boffinsolutions.com with the subject line: "Refund Request – [Your Transaction ID]"

• 3
  Include the Following Information

  Your refund email must contain all of the following to be considered:

  • Your full name as provided during payment.
  • The registered email address used during payment.
  • Contact number (mobile/WhatsApp).
  • Date and time of payment (as shown in your payment confirmation).
  • Transaction / Reference ID from your payment confirmation or bank statement.
  • Amount paid and the currency.
  • A clear and specific reason for the refund request.
  • Attach a screenshot or copy of the payment confirmation or bank/card statement showing the deduction.
• 4
  Alternatively — Contact via WhatsApp

  You may also raise your refund request via our WhatsApp Business chat button on our Website, but you must follow up with a formal email to ensure a proper paper trail and prompt processing.

• 5
  Await Acknowledgement

  You will receive an acknowledgement of your refund request within 1 business day of submission. If you do not receive acknowledgement within this timeframe, please follow up immediately.

7. Refund Review & Processing

Once we receive your refund request, our team will undertake the following review process:

• Timestamp Verification: We will verify the payment confirmation timestamp from our payment gateway to confirm the refund request falls within the 24-hour window.
• Identity Verification: We may request additional documentation to verify that you are the authorised payer (e.g., a copy of a government-issued ID or bank statement).
• Transaction Reconciliation: We will reconcile the payment in our system and with our payment gateway partner to confirm receipt and amount.
• Service Status Check: We will confirm whether any service has been commenced or delivered in relation to the payment.
• Refund Decision: A refund decision (approved or declined) will be communicated to you via email within 3 business days of receiving your complete refund request.

We reserve the right to request additional information before processing a refund. Failure to provide requested information within a reasonable timeframe may result in your refund request being declined.

If your refund request is declined, we will provide a clear written explanation of the reason. You may escalate the matter as described in Section 13 (Consumer Rights).

8. Refund Timeline & Credits

Once a refund is approved, the timeline for the refund to reflect in your account depends on your payment method and location:

Please note: These are estimated timelines. Actual timelines may vary based on your bank, card issuer, payment gateway, and country-specific banking regulations. Boffin Financial Solutions has no control over the processing time of your bank or card issuer after the refund is initiated from our end.

All approved refunds will be credited to the original payment source (the same card, bank account, UPI ID, or wallet used for the original payment). We do not issue refunds via alternative methods such as cash, cheque, bank transfer to a different account, or a different card/wallet.

9. International Payments & Currency

As Boffin Financial Solutions accepts payments from clients worldwide, the following applies to international payments made through our Pay Online Page:

Currency:

• Payments processed through our Pay Online Page may be charged in Indian Rupees (INR) or a supported foreign currency, as displayed on the payment page at the time of transaction.
• If you paid in a foreign currency and the refund is processed in INR (or vice versa), the refunded amount will be subject to the exchange rate at the time of refund processing, which may differ from the exchange rate at the time of payment.
• Boffin Financial Solutions is not responsible for any currency conversion losses or foreign exchange differences between the payment date and refund date.

International Banking Fees:

• Your bank or card issuer may charge foreign transaction fees or currency conversion fees on the original payment. These fees are charged by your bank and are not refundable by Boffin Financial Solutions.
• Any fees levied by international payment intermediaries or correspondent banks during the refund process are beyond our control and will not be borne by us.

Regulatory Compliance:

International refunds are processed in compliance with India's Foreign Exchange Management Act, 1999 (FEMA) and guidelines issued by the Reserve Bank of India (RBI). Some international refunds may require additional documentation for compliance purposes.

10. Payment Gateway Charges

Payments made via our Pay Online Page are processed through a third-party payment gateway. The following charges may apply:

• Convenience / Processing Fee: Some payment methods may attract a gateway convenience fee displayed at checkout. This fee is collected by the payment gateway provider and is non-refundable by Boffin Financial Solutions, even if your core payment is refunded.
• GST on Payment Gateway Charges: Any Goods and Services Tax (GST) applied to gateway charges within India is non-refundable.
• Bank Charges: Your own bank may charge transaction fees. These are beyond our control and are not refundable by us.

When processing a refund, the amount credited will be the net payment amount received by Boffin Financial Solutions, excluding any third-party gateway or bank charges deducted at source.

11. Partial Refunds

In exceptional circumstances, we may issue a partial refund at our sole discretion. Situations where a partial refund may be considered include:

• Where a service engagement has been partially commenced but the remaining work has not yet begun, and a valid refund request is received within the 24-hour window.
• Where a payment covers multiple services, and only one service component meets the refund eligibility criteria.
• Where an overpayment has been made in excess of the agreed service fee.

Partial refund amounts will be determined by Boffin Financial Solutions based on the proportion of services delivered or the nature of the payment, and communicated to you in writing. The decision on partial refund amounts is final.

12. Chargebacks & Payment Disputes

A chargeback is a reversal of a payment initiated by your bank or card issuer on your behalf, typically due to a disputed transaction. While chargebacks are a right available to cardholders through their card network (Visa, Mastercard, Amex, etc.), we request that you contact us first before initiating a chargeback, as we are committed to resolving genuine payment issues promptly.

Please be aware of the following:

• If you initiate a chargeback without first contacting us, we reserve the right to dispute the chargeback with our payment gateway and provide evidence of the transaction and services rendered.
• Once a chargeback is initiated by you, your refund request through our standard process will be suspended pending resolution of the chargeback with the card network.
• Fraudulent chargebacks (where payment was made legitimately and services were delivered) will be contested and may result in your account being flagged or access to our services being restricted.
• If a chargeback is resolved in your favour by your bank or card network, no further refund will be issued by us as the matter has been settled through the banking channel.

We encourage you to use the chargeback process only as a last resort after attempting to resolve the matter with us directly.

13. Consumer Rights — India & Global

India — Consumer Protection Act, 2019:

Indian consumers have rights under the Consumer Protection Act, 2019. If you are an Indian resident and feel that your refund request has been unjustly refused, you may escalate your complaint to the appropriate Consumer Disputes Redressal Commission (District, State, or National level) as per your transaction value and jurisdiction.

You may also approach the National Consumer Helpline (Toll-free: 1800-11-4000) or file an online complaint at the Consumer Online Resource and Empowerment (CORE) portal.

European Union Consumers:

EU consumers may have statutory rights under the EU Consumer Rights Directive and related regulations. Where mandatory consumer protection laws in your EU member state provide greater rights than those in this Refund Policy, those statutory rights shall not be limited or overridden by this policy.

United Kingdom Consumers:

UK consumers may have rights under the Consumer Rights Act 2015 and related UK legislation. If you believe your statutory rights have been breached, you may contact the Citizens Advice consumer helpline or the Financial Ombudsman Service (where applicable).

Other International Consumers:

Nothing in this Refund Policy limits or excludes any statutory consumer rights you may have under the laws of your own country. If your local law provides rights in excess of what is stated here, those rights will prevail to the extent required by law. Please contact us to discuss your situation.

14. Changes to This Refund Policy

We reserve the right to modify, update, or revise this Refund Policy at any time, including the refund window, eligibility criteria, processing timelines, and any other terms herein.

When material changes are made, we will:

• Update the "Last Updated" date at the top of this page.
• Post a notice on the Website or Pay Online Page for a reasonable period.
• Where required by law, notify affected users via email.

The Refund Policy in effect at the time of your payment governs your refund rights. We encourage you to review this page before making a payment to ensure you are aware of the current policy.

15. Contact Us for Refund Requests

To submit a refund request or for any queries related to this Refund Policy, please contact us through the following channels. Email is the preferred and fastest method for refund requests: