Cancellation and Refund Policy (રિફંડ પોલિસી)

Last Updated / Effective Date: September 1, 2026

Thank you for choosing Narmada eServices. We aim to provide a seamless automated form generation experience across every tool on this platform. Please read our operational criteria regarding transaction cancellations and monetary refunds thoroughly before making any processing payment. This policy applies site-wide, to any current or future paid tool on this platform, and should be read together with our Terms & Conditions and Privacy Policy.

1. Nature of Service & Instant Consumption

Since Narmada eServices delivers digital web-based products (instant data processing, dynamic layout mapping, and automated PDF/document generation for local printing or download), our services fall under the Instant Consumption Category.

2. Specific Refund Eligibility Criteria (રિફંડ માટેની શરતો)

Refunds will only be reviewed and credited under the following isolated events:

• System Technical Failures: If your funds were debited from your bank account, but our platform's processing system (client-side or server-side, depending on the tool) encountered a technical failure that prevented the generation of the form layout or blocked the print/download, you are entitled to a full refund.
• Accidental Duplicate Deductions: If a network lag or payment gateway handshake error results in you being billed twice for the exact same form-rendering token, the supplementary duplicate transaction amount will be fully reversed.
• Payment Debited but Access Not Granted: If the payment gateway confirms a successful debit from your account, but our system fails to unlock the corresponding printable/downloadable layout due to a verifiable error on our end, you are entitled to a full refund of that specific transaction.

3. Absolute Disqualification for Refunds

No refund claims will be validated or processed under these circumstances:

• If the user enters incorrect spellings, false details, or inaccurate numerical figures, and subsequently prints or downloads an invalid document.
• If the user's personal hardware device, operating system, browser, or connected physical printer fails to process the standard print/download command properly.
• If the generated layout document is rejected by external government desks, admission departments, banks, or private institutions due to policy changes or eligibility issues unrelated to our platform.
• Any cancellation requests raised after successfully downloading, saving, or printing the document template to the local disk/paper.
• Requests for a free correction, edit, re-print, or re-generation of a document that was already successfully generated — as explained in our Terms & Conditions, once a submission is printed/downloaded it is final, and any correction requires a fresh submission with a fresh payment/token, not a refund of the original transaction.
• Change-of-mind requests, or requests made simply because the user no longer needs the generated document.
• Requests unsupported by valid transaction proof as described in Section 4.

4. How to Structure a Valid Refund Request

To register a valid claim regarding technical drops, you must formally approach our support helpdesk within a strict timeline of 24 to 48 hours from the recorded transaction timestamp.

• Your request must be submitted via our official Contact Us page.
• The communication must include the original Payment Gateway Transaction ID, Bank Reference Number (UTR), Registered Email ID/Mobile Number used at the time of payment, and — where relevant — your system-generated Application ID from the minimal print record (see our Privacy Policy).
• Where possible, please also include a screenshot or short description of the structural/technical failure screen you encountered.
• Anonymous claims, or requests missing official financial reference tokens, will be systematically discarded.

5. Refund Processing Timelines & Method

Once our billing desk evaluates and approves the technical discrepancy from the payment gateway logs:

Step	Typical Timeline
Acknowledgement of your refund request	Within 24–48 hours of submission
Verification against gateway/transaction logs	Up to 3–5 working days
Refund initiation (if approved)	Immediately after verification is complete
Credit reflecting in your original payment source	5 to 7 working days after initiation

• The refund amount will be rolled back automatically through the original source transaction channel (your respective UPI ID, Debit/Credit Card, or NetBanking ledger). We do not issue refunds via cash, alternate bank accounts, or alternate payment methods.
• Actual crediting timelines are strictly subject to standard inter-bank clearing cycles and RBI settlement criteria, which are outside our direct control.

6. Free / Currently-Waived Fees (હાલમાં નિઃશુલ્ક સેવાઓ)

Some tools or forms on this platform may currently be offered free of charge (fee waived/₹0) as a promotional or introductory measure, as indicated on the specific tool's page. Since no payment is collected for such tools, this Refund Policy's monetary provisions do not apply to them — there is simply nothing to refund. Should we introduce or reinstate a fee for any such tool in the future, this policy will govern refunds for that fee going forward, and the fee shown on that tool's page at the time of payment (inclusive or exclusive of applicable taxes, as indicated there) will be the basis for any refund calculation.

7. Cancellation Before Payment Completion

You may abandon or close a payment attempt at any point before it is authorized by your bank/payment gateway, without any charge, since no transaction is completed in that case. If your bank shows a "pending" or "processing" debit that never gets confirmed by our system within a reasonable time, please wait for your bank's standard auto-reversal cycle; if the amount is not auto-reversed within 7 working days, please contact us with your transaction reference for assistance.

8. Abuse and Fraud Prevention

Narmada eServices reserves the right to blacklist any user or block payment routes if we detect patterns of fraudulent chargebacks, malicious refund claims for successfully generated forms, or systematic exploitation of the platform's infrastructure. Our gateway logs will be submitted to respective portal teams to challenge bad-faith assertions.

8B. Cash on Delivery (COD)

Narmada eServices delivers only digital documents (PDF files generated instantly online). There is no physical product shipped to you, so Cash on Delivery (COD) is not applicable and is not offered on this platform. All payments must be made online in advance, through UPI, Debit/Credit Card, or NetBanking via our payment partner PhonePe, before your document is generated.

9. Changes to This Policy

We reserve the right to modify this Refund & Cancellation Policy at any time. Material changes will be reflected by updating the "Last Updated" date at the top of this page. Refund requests will be evaluated under the policy version in effect at the time your original transaction was made.

10. Contact for Refund Queries

For any refund-related question, please reach out through our official Contact Us page, or:

• Legal Name: Narmada eServices — a brand of Amrita Enterprises, proprietor Tadvi Hitendrakumar Ashokbhai
• Email: support@narmadaeservices.in
• Address: Narmada, Gujarat, India – 393155

For cancellation-specific terms, see our standalone Cancellation Policy. For delivery timelines, see our Shipping / Delivery Policy.

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