Refunds Policy

A Chargeback Shall Mean A Transaction That Is Uncollectible And Returned To Service Provider/ Any2Pay By User/ Payee Or Acquiring Bank For A Refund To The Concerned Payer / User Due To Any Of The Following Reasons:

(A)Any Payment Which The User/ Payer Refuses To Honour Or Demands A Refund Of Because The Products Purchased Or The Delivery Thereof, Was Not As Promised Or Was Defective, Deficient, Incomplete And /Or Unsatisfactory For Any Reason Whatsoever, Or That Payment For The Same Has Already Been Made.

(B)Any Payments By A User/ Payer Using The Services, Which Is Returned By The Acquiring Bank For Any Reason Whatsoever.

(C)Any Charge/Debit Arising Out Of Any Alleged Hacking Breach Of Security Or Encryption That May Be Utilized By Service Provider/ Any2Pay/ Payee From Time To Time.

(D)Any Transaction That Is Unsuccessful.

As A Result Of The Rapid Nature Of Movements Of Funds, Once A Payment Has Been Initiated Through The Services, It May Not Be Possible To Retract The Same Using The Services. If User Wishes To Attempt To Chargeback/ Retract A Payment, He Must Notify His Bank And Any2Pay Immediately And Provide All Required Information. Any2Pay Cannot However Guarantee That The Payment Will Be Retracted. It May Be Possible To Charged Back/ Retract A Payment In Case Of A Payment By Debit/ Credit Card, If The Instruction Is Given To User’s Bank And Any2Pay Within The Prescribed Time. However It Would Not Be Possible To Do So In Case Of Any Other Mode Of Payment.

In The Event Of A Chargeback Situation Arising In Case Of Any Products Purchased By A User Or Payer, For Which Payment Has Not Yet Been Made To The Payee Or User By Service Provider, The User Or Payer Shall Be Advised By Any2Pay To Resolve The Issue With The Payee Or User Or Service Provider And Any2Pay Shall Then Settle The Payment In Accordance With The Solution Agreed Upon By The Parties.

In Such Event, If The Payee And The Payer Are Unable To Arrive At A Satisfactory Resolution Of The Problem, Any2Pay/ Service Provider Shall Be Entitled To Make A Direct Credit To The Disputing Payer’s Account For The Disputed Amount. Such A Debit To The Payee’s Account And The Direct Credit To The Disputing Payer’s Account Shall Not Be Disputed By The Payee In Any Manner Whatsoever. In The Event Of The Payee And The Payer Arriving At A Settlement, Any2Pay/ Service Provider Shall Deal With The Said Monies In Accordance With The Terms Of The Settlement Arrived At.

In The Event Of A Chargeback Situation Arising In Case Of Any Products Purchased By A User/ Payer, For Which Payment Has Been Made To The Payee/User / Service Provider, The User/ Payer Shall Be Advised To Resolve The Issue With The Payee/User / Service Provider And Shall Then Settle The Payment In Accordance With The Solution Agreed Upon By The Parties.

Any2Pay Shall Not Be Responsible To Make Payments In Respect Of Any Chargeback Unless It Has Received The Requisite Amounts From The Concerned Acquiring Bank/ Service Provider/ Payee/ User. Any2Pay Shall Not Be Responsible For Any Claims, Disputes, Penalties Arising In Connection With Such Chargeback, Any2Pay Shall Be Indemnified Against The Same. In The Event Of The Receipt By Any2Pay Of An Amount Of A Chargeback From The Acquiring Bank / Service Provider, Any2Pay Shall Pass On To User/ Payer Such Amount Received By Them Within 7 Days.

In The Event That The Parties Have Agreed That User/ Payer Is Entitled To Chargeback Any Transaction, Any2Pay May At Its Discretion, Give Effect To Such Chargeback Entitlement In Any One Or More Of The Following Methods:

(A)Deduction Of The Relevant Amount Or Any Part Thereof From Any Amounts To The Payee;

(B)Billing The Concerned Party For The Relevant Amount Or Any Part Thereof.

Termination

If Either Any2Pay Or Service Provider Suspects, On Reasonable Grounds, That A User Has Committed A Breach Of These Terms Or Any Other Agreement With Any2Pay Or Any Act Of Dishonesty Or Fraud Against Any2Pay/ Any Service Provider, Any2Pay Shall Be Entitled To (A) Suspend All Payment Under These Terms; (B) Deactivate/ Suspend Your User Account And Disable Your Password; And (C) Terminate User’s Access To The Website Or The Services With Or Without Giving Any Notice Of Such Termination To The User; Pending Enquiries By Any2Pay. User May Cancel His User Account At Any Time By Sending An Email to Any2Pay. Please Note That Once Your Account Is Cancelled, Any2Pay Does Not Have Any Obligation To Return Any Data Or Information That May Reside On Its Servers Or Other Equipment.