At Panchit, we strive to provide a seamless, transparent, and secure digital experience for all our users. This Refund and Cancellation Policy governs all financial transactions made on the Panchit platform, including wallet top-ups, premium subscriptions, digital gifts, and creator support features.

By initiating any transaction on Panchit, you agree to the terms outlined in this policy.

1. Digital Goods and In-App Wallet

Panchit operates an automated in-app wallet system designed to facilitate quick and secure transactions within the platform ecosystem.

• Finality of Purchases: All purchases of digital goods, virtual gifts, contest entry fees, and wallet top-ups are considered final and non-refundable once the transaction is successfully completed.

• Non-Transferable: Funds added to your Panchit wallet can only be utilized for services and features within the app. Wallet balances cannot be withdrawn, encashed, or transferred back to a bank account or credit card under normal circumstances.

• Creator Support: Any funds transferred, tipped, or gifted to creators on the platform are strictly non-refundable, as these are considered voluntary contributions.

2. Subscription Cancellations

If Panchit offers premium features or recurring subscriptions, the following cancellation terms apply:

• User-Initiated Cancellation: You may cancel your subscription at any time through your account settings or the respective app store (Google Play Store / Apple App Store) billing portal.

• Billing Cycle: Cancellations will take effect at the end of your current paid billing cycle. You will continue to have access to premium features until that cycle expires.

• No Pro-Rata Refunds: We do not offer partial or pro-rata refunds for early cancellations or unused periods of a subscription.

3. Eligible Refund Scenarios

While transactions are generally final, Panchit will evaluate and process refunds under the following exceptional circumstances:

• Technical Failures: If a transaction fails but the amount is debited from your bank account or credit card, the amount is usually auto-reversed by the payment gateway. If it is not auto-reversed, we will manually process the refund.

• Double Debits: If you are mistakenly charged twice for a single transaction due to a technical glitch.

• Uncredited Wallet Top-ups: If your payment is successful and debited from your account, but the equivalent funds are not credited to your Panchit wallet within 24 hours.

4. How to Request a Refund

If you believe your transaction qualifies for a refund under the eligible scenarios mentioned above, you must raise a dispute within 7 days of the transaction date.

To request a refund, please contact our support team with the following details:

1. Registered Mobile Number and Email Address

2. Panchit Username / Profile Link

3. Exact Transaction Amount and Date

4. Transaction ID / Reference Number (from your bank/payment gateway)

5. A brief explanation of the issue (e.g., "Amount debited but wallet not credited")

Email your request to: [email protected]

5. Refund Processing Timeline

• Review Period: Once we receive your refund request, our billing team will investigate the issue and respond within 3 to 5 business days.

• Crediting Funds: If your refund is approved, the amount will be credited back to the original method of payment (e.g., the specific credit card, UPI ID, or bank account used).

• Bank Processing Time: Please note that once initiated from our end, it may take an additional 5 to 7 business days for the funds to reflect in your account, depending on your bank's processing times.

6. Account Bans and Violations

Maintaining a safe environment is our top priority. As stated in our Privacy Policy and Community Standards, abusive behavior and objectionable content are strictly prohibited.

• If your account is suspended, restricted, or permanently banned due to a violation of our Community Standards, any remaining balance in your Panchit wallet will be immediately forfeited, and you will not be eligible for any refunds.

7. Changes to this Policy

Panchit reserves the right to modify this Refund and Cancellation Policy at any time. Any updates will be posted on this page with a revised "Effective Date." We encourage you to review this policy periodically.

8. Contact Us

For any billing disputes, payment issues, or questions regarding this policy, please reach out to our Grievance Officer at:

• Email: [email protected]

• Registered Office: Office No.430/A, 4th Floor, No.1, Super Mall, Infocity, Gandhinagar, Gujarat 382007, India