Refund Policy

1. DEFINITIONS

For the purposes of this Refund Policy, the following terms shall have the meanings ascribed below:

• "Company," "We," "Us," "Our" refers to Saubh Tech, the operator of the Saubh.Tech platform.
• "Client," "Customer," "You," "Your" refers to any individual or entity purchasing services through the platform.
• "Service Provider" refers to third-party professionals, freelancers, or businesses offering services via the Saubh.Tech platform.
• "Platform" refers to the Saubh.Tech website, mobile application, and all related digital infrastructure.
• "Services" refers to all offerings available for booking, purchase, or subscription on the platform.
• "Refund" means the return of payment made by the client to Saubh.Tech or directly to service providers through the platform.
• "Service Agreement" refers to the contract formed between the client and the service provider upon booking confirmation.

2. GENERAL REFUND POLICY

2.1 Platform Role

Refunds are subject to the terms agreed upon between the client and the service provider, as well as the policies outlined in this document.

2.2 Refund Eligibility

Refunds may be considered under the following circumstances:

• Non-delivery or failure to provide agreed services
• Significant deviation from the service description or specifications
• Service provider cancellation or unavailability
• Technical issues on the platform preventing service delivery
• Fraudulent or unauthorized transactions
• Mutual agreement between the client and service provider to cancel or refund

3. CANCELLATION & REFUND TIMELINE

3.1 Cancellation by Client

Before Service Delivery

• More than 48 hours before scheduled service: Full refund (100% of payment, minus platform processing fees if applicable).
• 24-48 hours before scheduled service: Partial refund (75% of payment).
• Less than 24 hours before scheduled service: Partial refund (50% of payment).
• Less than 6 hours before scheduled service: No refund, unless extenuating circumstances are proven.

During or After Service Delivery

• Refunds after service commencement are evaluated on a case-by-case basis.
• Partial refunds may be granted if there is clear evidence of incomplete or substandard work.
• Disputes must be raised within 7 days of service completion.

3.2 Cancellation by Service Provider

If a service provider cancels a confirmed booking for reasons beyond their control (e.g., illness, emergency):

• Full refund is provided to the client.
• Saubh.Tech may offer a replacement service provider at no additional cost, subject to client approval.

3.3 Platform-Initiated Cancellations

In rare instances, Saubh.Tech may cancel bookings due to:

• Fraudulent activity or policy violations
• Technical errors or system failures
• Force majeure events (see Section 8)

In such cases, clients will receive a full refund within 7-10 business days.

4. NON-REFUNDABLE ITEMS & SERVICES

4.1 Digital Products & Downloads

• E-books, templates, software, digital courses, or downloadable content
• Once accessed or downloaded, these items are considered delivered and non-refundable

4.2 Completed Services

• Services that have been fully delivered and accepted by the client
• Custom or personalized work completed according to client specifications

4.3 Subscription Plans

• Monthly or annual subscription fees already utilized
• Cancellations mid-cycle will not result in prorated refunds unless stated otherwise in the subscription terms

4.4 Platform Fees & Processing Charges

• Service or convenience fees charged by Saubh.Tech
• Payment gateway or transaction processing fees

4.5 Third-Party Services

• Bookings or purchases made through external links or partner platforms
• Such refunds are subject to the third party's own refund policies

5. REFUND PROCESS & TIMELINES

5.1 How to Request a Refund

To initiate a refund request, clients must:

1. Log in to their Saubh.Tech account
2. Navigate to "My Bookings" or "Order History"
3. Select the relevant booking and click "Request Refund"
4. Fill out the refund request form, providing:
   • Order/Booking ID
   • Reason for refund
   • Supporting evidence (e.g., screenshots, communications, photos)
5. Submit the request for review

Alternatively, clients may contact support at:

• Email: support@saubh.tech
• Phone: 918800607598

5.2 Review & Approval

• Refund requests are reviewed within 5-7 business days.
• Saubh.Tech may contact both the client and service provider to gather additional information.
• Decisions are communicated via email or platform notification.

5.3 Refund Processing Time

Once a refund is approved:

• Credit/Debit Card: 7-10 business days
• Bank Transfer: 5-7 business days
• Digital Wallets (Paytm, PhonePe, etc.): 3-5 business days
• UPI: 2-4 business days

5.4 Refund Method

• Refunds will be processed to the original payment method used during the transaction.
• If the original payment method is unavailable or expired, clients may request alternative refund arrangements (bank transfer, platform credits, etc.).

6. PARTIAL REFUNDS & ADJUSTMENTS

6.1 When Partial Refunds Apply

Partial refunds may be issued in cases such as:

• Incomplete service delivery (e.g., only part of the agreed work was completed)
• Quality issues that do not warrant a full refund but justify compensation
• Delays caused by service provider negligence
• Client-initiated cancellations within restricted timelines

6.2 Refund Calculation

Partial refund amounts are determined based on:

• Percentage of service completed vs. contracted
• Documented evidence of issues
• Time and resources already invested by the service provider

Final decisions on partial refund amounts rest with Saubh.Tech's dispute resolution team.

7. CHARGEBACKS & PAYMENT DISPUTES

7.1 Chargeback Policy

• Initiating a chargeback without first contacting Saubh.Tech may result in account suspension or termination.
• If a chargeback is filed, the client's account may be temporarily frozen pending investigation.

7.2 Fraudulent Chargebacks

• False or fraudulent chargeback claims are strictly prohibited.
• The Company reserves the right to pursue legal action and recovery of costs incurred due to unwarranted chargebacks.

7.3 Dispute Evidence

In the event of a payment dispute:

• Saubh.Tech will provide transaction records, communications, and relevant evidence to the payment processor or bank.
• Clients may be required to furnish proof of non-delivery or service deficiency.

8. FORCE MAJEURE & UNFORESEEN CIRCUMSTANCES

8.1 Definition

Force Majeure refers to events beyond the reasonable control of Saubh.Tech or service providers, including but not limited to:

• Natural disasters (earthquakes, floods, fires, pandemics)
• Government restrictions, regulations, or lockdowns
• Wars, civil unrest, or terrorism
• Technical failures (prolonged server outages, cyberattacks)
• Strikes or labor disputes

8.2 Refund Applicability

• Saubh.Tech will make reasonable efforts to reschedule or provide alternative solutions.
• Service credits or future discounts may be offered at the Company's discretion.

9. CLIENT RESPONSIBILITIES

9.1 Information Accuracy

Clients must provide accurate, complete, and timely information required for service delivery.

Refunds will not be granted for delays or failures resulting from:

• Incorrect or incomplete information provided by the client
• Lack of client cooperation or responsiveness
• Client's failure to meet project dependencies or deadlines

9.2 Communication

• Clients must maintain active communication channels and respond to service provider queries within reasonable timeframes.
• Unresponsiveness for more than 7 consecutive days may result in project cancellation without refund.

9.3 Revision Requests

• Clients must submit revision requests within the specified timeframe outlined in the service agreement.
• Excessive or out-of-scope revision requests may incur additional charges.

10. DISPUTE RESOLUTION & GRIEVANCE REDRESSAL

10.1 Internal Dispute Resolution

Any disputes, disagreements, or concerns regarding refunds must first be addressed through Saubh.Tech's internal grievance redressal mechanism.

Clients may raise disputes via:

• Email: support@saubh.tech
• Dispute Resolution Portal (available in client dashboard)
• Written complaint to our registered office address

10.2 Resolution Timeline

• Saubh.Tech will acknowledge receipt of complaints within 48 hours.
• Disputes will be investigated and resolved within 15 business days.
• Complex cases may require additional time; clients will be kept informed of progress.

10.3 Escalation

If internal resolution is unsatisfactory, clients may escalate to:

• Senior Management Review
• Independent mediation services
• Relevant consumer protection authorities or legal channels

10.4 Evidence & Documentation

• Clients must provide relevant documentation, correspondence, and evidence to support their refund claim.
• Saubh.Tech reserves the right to request additional information before processing refunds.

11. FRAUD PREVENTION & SECURITY

11.1 Fraudulent Activity

This includes:

• Chargeback abuse or refund fraud
• Use of stolen payment methods
• Multiple accounts created to exploit refund policies
• False or misleading claims

11.2 Investigation Rights

• The Company may conduct investigations into refund requests and temporarily hold funds pending investigation completion.
• Legal action may be pursued against fraudulent users.

11.3 Account Suspension

• Accounts found engaging in policy violations may be permanently suspended or terminated.

12. GOVERNING LAW & JURISDICTION

12.1 Applicable Law

• This Refund Policy shall be governed by and construed in accordance with the laws of India.
• Any disputes arising from this Policy shall be subject to the exclusive jurisdiction of the courts located in Chapra, Saran, Bihar, India.

12.2 Consumer Protection

• Nothing in this Policy shall limit or exclude rights provided to consumers under applicable consumer protection laws.

13. MODIFICATIONS TO REFUND POLICY

13.1 Updates

• Saubh.Tech reserves the right to modify, update, or replace this Refund Policy at any time without prior notice.
• Material changes will be communicated via email or platform notifications.

13.2 Effective Date

• Changes become effective immediately upon posting to the Saubh.Tech website.
• Continued use of services after policy updates constitutes acceptance of the revised terms.

13.3 Review Responsibility

• Clients are encouraged to periodically review the latest version of this Policy available at: www.saubh.tech/refund-policy

14. SERVICE CREDITS & ALTERNATIVES

14.1 Service Credits

• In lieu of monetary refunds, Saubh.Tech may offer service credits for future purchases.
• Credits are non-transferable, non-refundable, and valid for 12 months from issuance.

14.2 Alternative Solutions

Depending on the situation, alternatives to refunds may include:

• Free revisions or corrections
• Service provider replacement
• Project extension
• Complimentary additional services

16. ACCEPTANCE & ACKNOWLEDGMENT