Refund & Cancellation Policy

This Refund & Cancellation Policy explains the general approach of EPKART TECHNOLOGY PRIVATE LIMITED regarding cancellations, refunds and transaction-related requests for services available through the EPKART platform.

EPKART is an employee financial wellness and technology platform that may provide EMI Protection-related services and everyday digital services.

Different services may have different cancellation and refund conditions.

Users should review the applicable information displayed during the relevant service or transaction process.

Refunds or cancellations are not automatically applicable to every transaction or service.

The availability of a refund or cancellation may depend on:

• Type of service
• Status of the transaction
• Whether the service has already been processed
• Applicable programme conditions
• Applicable service-provider conditions
• Payment status
• Verification requirements
• Applicable law

Where a service-specific cancellation or refund condition applies, that condition will govern the relevant transaction.

An employee may submit a request for EMI Protection through the EPKART platform.

Submission of a request does not create any assurance of approval, protection, payment or availability.

Where any applicable fee or payment is displayed before submission or processing, the applicable cancellation and refund conditions will be shown through the relevant transaction flow or service terms.

Refund eligibility may depend on the status of the request, applicable programme conditions, verification and whether any applicable service process has already been initiated.

Do not interpret submission of an EMI Protection request as an automatic entitlement to a refund.

Where EPKART charges a fee for a particular service, the applicable amount will be displayed to the user before the relevant transaction, where required.

The refundability of a fee may depend on:

• The nature of the service
• Transaction status
• Whether processing has started
• Applicable programme conditions
• Applicable law

No blanket statement should be displayed that all EPKART fees are refundable or non-refundable.

EPKART may provide or facilitate services such as:

• Mobile recharge
• DTH recharge
• Bill payments
• Travel and flight-related services
• Offers and cashback
• Other digital services

Cancellation and refund conditions for these services may vary.

For services fulfilled through third-party service providers, the applicable provider or service-specific terms may determine whether cancellation or refund is available.

Users should review the applicable terms before completing a transaction.

If a payment is completed but the intended service is not successfully processed, the transaction may require verification.

EPKART may review the transaction status before determining the appropriate resolution.

Where a refund is applicable, it will be processed according to the applicable transaction, service-provider and payment conditions.

If a user believes that the same transaction has been paid more than once, the user should contact EPKART through the official support channel with the relevant transaction details.

EPKART may verify the transaction before determining the appropriate resolution.

Users who wish to request cancellation should contact EPKART through the official support channel as soon as possible and provide relevant transaction or request details.

Cancellation may not be possible after a service has been processed, completed or transferred to a third-party service provider.

The applicable service conditions will determine whether cancellation is available.

For a refund-related request, users may be asked to provide information necessary to identify and verify the transaction.

This may include:

• Name
• Registered mobile number
• Email address
• Transaction/reference number
• Date of transaction
• Relevant service details
• Other information reasonably required for verification

EPKART may review the request before determining whether a refund is applicable.

Where a refund is approved or otherwise required, the refund method may depend on the original transaction method and applicable payment/service-provider processes.

EPKART will use the applicable refund mechanism available for the relevant transaction.

Some EPKART services may be provided or facilitated through third-party service providers, aggregators, APIs or technology partners.

In such cases, cancellation and refund conditions may also be governed by the applicable third-party service terms.

EPKART may coordinate or facilitate resolution where applicable, subject to the relevant service and provider conditions.

Offers and cashback, where available, may have separate terms and eligibility conditions.

Cashback is not guaranteed for every user or every transaction.

Availability, eligibility, validity and fulfilment may depend on the applicable offer terms and service-provider conditions.

For cancellation, refund or transaction-related questions, users may contact EPKART through the official support/contact channel provided on the website.

Contact / Grievance

EPKART may update this Refund & Cancellation Policy from time to time.

Any updated version will be published on this page with the revised effective or updated date.