Refund Policy

1. Introduction and General Principle

Samidha FinTech Private Limited ('SAMIDHA') has established this Refund Policy to provide clear, transparent, and fair guidance on refund requests in connection with donations processed through the Platform via 1Pay (https://www.1pay.in). Nothing in this Policy overrides applicable RBI guidelines on payment systems, consumer protection obligations, or 1Pay's refund procedures.

Charitable donations are by nature voluntary and irrevocable gifts. Once a donation is successfully processed and received, SAMIDHA cannot guarantee reversal. Refund requests are evaluated strictly under the conditions set out below.

2. Circumstances in Which Refunds May Be Considered

2.1 Duplicate Transactions. Where a Donor is charged more than once for a single intended donation due to technical error (e.g., double-click or network timeout resulting in a duplicate charge), SAMIDHA will verify with 1Pay and, upon confirmation, initiate a refund for the duplicate amount within seven (7) to ten (10) working days.

2.2 Failed Transactions with Successful Debit. If your payment instrument has been debited but the donation has not been registered on the Platform (confirmed by payment gateway records), SAMIDHA will investigate and either credit the donation to your intended NGO or initiate a refund within seven (7) to ten (10) working days of verification.

2.3 Technical Failures. If a donation cannot be processed due to a Platform or payment gateway technical failure and the debit has occurred, SAMIDHA will initiate a full refund upon confirmation of the failure within five (5) to seven (7) working days.

2.4 Incorrect Amount Charged. If a Donor is charged an amount different from the intended donation, supported by documented evidence, SAMIDHA may consider a refund of the difference subject to verification.

2.5 NGO De-registration or Suspension. If an NGO is de-listed or suspended after a donation is accepted but before settlement, SAMIDHA will either redirect the donation with Donor consent or initiate a full refund within fourteen (14) working days.

2.6 Exceptional Circumstances. SAMIDHA may, in its sole discretion, consider refunds in genuinely exceptional circumstances upon written request submitted within fifteen (15) days of the transaction with supporting documentation. Such requests are reviewed case by case.

3. Non-Refundable Circumstances

Refunds will not be processed where:

• A Donor has changed their mind after successful processing and settlement.
• The refund request is made more than thirty (30) days after the transaction.
• The Donor disagrees with an NGO's activities or programmes.
• Tax benefit expectations were not met (tax deductibility depends on individual circumstances).
• Campaign fundraising goals were not achieved (unless explicitly stated in campaign terms).
• Dissatisfaction with the NGO's use of funds.
• The donation was made using a payment method that cannot receive refunds.

4. Refund Request Process

• Donor submits a refund request to refunds@samidhadonor.in or through the Platform support portal, with: transaction date, amount, reference number, and reason.
• SAMIDHA acknowledges the request within two (2) working days.
• SAMIDHA verifies the claim with 1Pay and the NGO's donation records.
• SAMIDHA communicates its decision within seven (7) to fourteen (14) working days.
• If approved, SAMIDHA initiates the refund through 1Pay to the original payment instrument.
• Credit to the Donor's account is subject to the issuing bank's timeline (typically five (5) to ten (10) working days after initiation).

5. Refund Timelines

6. 1Pay Payment Gateway Refund Procedures

Refunds are processed through 1Pay's refund mechanism to the original payment instrument. SAMIDHA cannot override 1Pay's processing timelines, which are governed by RBI guidelines and banking network rules.

• UPI refunds: typically three (3) to five (5) working days.
• Card-based refunds: five (5) to seven (7) working days from initiation, depending on card issuer.
• Net banking refunds: five (5) to seven (7) working days.
• SAMIDHA will provide a refund reference number for follow-up with your bank.

7. Chargebacks

SAMIDHA requests that Donors contact refunds@samidhadonor.in before initiating a chargeback through their bank. Where a chargeback is raised, SAMIDHA will cooperate with 1Pay and the Donor's bank in accordance with applicable RBI payment system guidelines.

8. 80G Receipt and Refunded Donations

Where a donation for which an 80G receipt has been issued is refunded, the Donor is responsible for informing their tax advisor and making appropriate corrections to their tax filings. SAMIDHA will provide refund documentation upon request.

9. Contact for Refund Requests

Email: refunds@samidhadonor.in

Subject: 'Refund Request — [Transaction Reference Number]'

Required information: Transaction date, amount, reference number, and reason.

Platform: /support

Acknowledgement: Within 2 working days. Decision: Within 7–14 working days.