Refund & Cancellation Policy

Last Updated: March 05, 2026

1. Refund Eligibility Overview

Product/Service	Refund Eligibility	Timeframe
Digital Profile Card	✅ Yes, if not delivered within 24 hours	7 days from purchase
NFC Card (Physical)	⚠️ Partial (see Section 3)	Before production starts
Premium Card (Physical)	⚠️ Partial (see Section 3)	Before production starts
Duplicate Payment	✅ Yes, full refund	Within 30 days
Payment Error	✅ Yes, automatic refund	5-7 business days

2. Digital Profile Card Refunds

2.1 Refund Conditions

You are eligible for a full refund for digital profile cards if:

• Non-Delivery: Card not activated within 24 hours of payment
• Technical Issues: Card URL not working due to our platform error
• Incorrect Product: You received a different product than ordered
• Service Defect: Major functionality not working as advertised

2.2 Refund Timeline

Request must be made within 7 days of purchase date.

2.3 Non-Refundable After

Digital profile cards are NOT refundable after:

• Card has been successfully delivered and activated
• You have logged into your customer portal
• You have made edits to your card content
• Card has been shared or viewed by others
• 7 days have passed since purchase

3. Physical Cards (NFC/Premium) Refunds & Cancellations

3.1 Cancellation Before Production

You can cancel your order for a full refund if:

• Production has not started
• Design has not been finalized or approved by you
• Request made within 24 hours of order

Processing Fee: ₹50 may be deducted for payment gateway charges.

3.2 Cancellation After Production Starts

Once production begins, orders cannot be cancelled. However:

• Partial Refund: 50% refund if cancelled before dispatch
• No Refund: After card is dispatched

3.3 Defective or Damaged Cards

You are eligible for replacement or refund if:

• Manufacturing Defect: Card has production quality issues
• NFC Not Working: NFC functionality not working on delivery
• Shipping Damage: Card arrives damaged (with proof)
• Wrong Product: Incorrect design or information printed

3.4 Defect Reporting Timeline

Defects must be reported within 7 days of delivery. You must provide:

• Photos/videos showing the defect
• Description of the issue
• Original packaging (if possible)

3.5 Replacement Process

For defective cards:

1. Report issue to hello@inditap.in with proof
2. We review within 2 business days
3. If approved, replacement card produced
4. New card shipped within 5-7 business days
5. Defective card may need to be returned

3.6 NOT Covered Under Warranty

The following are NOT eligible for refund or replacement:

• Physical damage after delivery (drops, scratches, bends)
• Water damage or exposure to liquids
• Normal wear and tear after 1 month
• Customer provided wrong information (name, details printed as you submitted)
• Design approved by customer (you approved the design proof)
• Lost or stolen cards
• Buyer's remorse or change of mind

4. Payment-Related Refunds

4.1 Failed Transactions

If payment is deducted but order not created:

• Automatic Refund: Processed within 5-7 business days
• Bank Processing: May take 7-10 business days to reflect in account
• No Action Required: Refund is automatic from payment gateway

4.2 Duplicate Charges

If charged multiple times for the same order:

• Full Refund: Extra charges refunded immediately
• Contact Us: Email hello@inditap.in with transaction details
• Processing: Refund initiated within 2 business days

4.3 Pricing Errors

If you were charged incorrectly due to pricing error:

• Difference Refunded: Excess amount refunded
• Notification: We'll inform you and process refund automatically

5. Refund Process & Timeline

5.1 How to Request a Refund

1. Email Request: Send email to hello@inditap.in
2. Include Details:
   • Order ID or Transaction ID
   • Registered email address
   • Reason for refund
   • Proof (if defect or issue)
3. Subject Line: "Refund Request - [Order ID]"

5.2 Review Process

Step	Timeline	Details
1. Request Received	Within 24 hours	Acknowledgment email sent
2. Review	2-3 business days	Case evaluated against policy
3. Decision	1 business day	Approval/rejection notified
4. Refund Initiated	1-2 business days	If approved, refund processed
5. Amount Credited	5-7 business days	Bank processing time

5.3 Refund Method

Refunds are processed to the original payment method:

• Credit/Debit Card: Credited to same card
• UPI: Refunded to UPI ID used
• Net Banking: Credited to source bank account
• Wallet: Refunded to wallet (Paytm, PhonePe, etc.)

5.4 Refund Amount

• Full Refund: 100% of purchase amount
• Partial Refund: As per policy (e.g., 50% for mid-production cancellation)
• Payment Gateway Fees: ₹50 processing fee may be deducted
• GST: Refunded proportionally with the amount

6. Subscription Renewals

6.1 Renewal Reminders

We send renewal reminders:

• 30 days before expiry
• 7 days before expiry
• On expiry date

6.2 Renewal Refunds

Renewal payments (₹99/year) are refundable if:

• Renewed by mistake (request within 7 days)
• Payment error or duplicate charge
• Service not reactivated after renewal

6.3 Non-Refundable Renewals

Renewals are NOT refundable after:

• Card service reactivated
• You've logged into portal after renewal
• 30 days have passed since renewal

7. Exceptions & Special Cases

7.1 Service Disruption

If our service is down for more than 7 consecutive days:

• Pro-rated refund for downtime period
• Or extension of subscription by equivalent days

7.2 Account Termination by Us

If we terminate your account due to policy violation:

• No Refund: Terms violation forfeits refund rights
• Exception: If termination was our error, full refund provided

7.3 Bulk Orders

For bulk orders (10+ cards):

• Cancellation subject to production stage
• Custom refund terms may apply
• Contact hello@inditap.in for assistance

7.4 Goodwill Refunds

We may offer goodwill refunds at our discretion for:

• Exceptional customer service situations
• Significant service failures on our part
• Genuine hardship cases

These are decided case-by-case and not guaranteed.

8. Delivery Issues

8.1 Non-Delivery (Physical Cards)

If your physical card is not delivered within stated timeline:

• Metro Cities: Expected within 5-7 business days
• Other Locations: Expected within 7-10 business days

If not received:

1. Track your shipment using tracking ID provided
2. Contact courier (details in shipping confirmation email)
3. If undelivered after 15 days from dispatch, contact us
4. We'll investigate and provide replacement or refund

8.2 Wrong Address

If card is undelivered due to incorrect address provided by you:

• No Refund: Customer responsibility to provide correct address
• Reshipment: Available at additional shipping cost
• RTO (Return to Origin): If returned to us, reshipment charges apply

8.3 Courier Delays

For delays beyond our control (courier issues, natural disasters):

• Refund not provided for delivery delays
• We'll work with courier to expedite delivery
• If delay exceeds 30 days, full refund or replacement provided

9. Customer Responsibilities

To be eligible for refunds, you must:

• Report Issues Promptly: Within specified timelines
• Provide Accurate Information: Complete order and contact details
• Preserve Evidence: Keep packaging, photos of defects
• Cooperate with Investigation: Respond to our queries
• Return Products: If requested, return defective items
• Use Genuine Communication: Communicate only through official email

10. Dispute Resolution

10.1 Refund Disputes

If your refund request is denied and you disagree:

1. Request Review: Ask for escalation to senior team
2. Provide Additional Evidence: Submit any supporting documents
3. Mediation: We'll attempt to find mutually acceptable solution
4. Final Decision: Made within 7 business days of escalation

10.2 Consumer Rights

Under the Consumer Protection Act, 2019, you have the right to:

• File complaint with Consumer Forum
• Seek redressal for unfair trade practices
• Claim compensation for deficient services

10.3 Grievance Officer

For unresolved refund disputes, contact our Grievance Officer:

Email: hello@inditap.in
Response Time: Within 48 hours
Resolution Target: 15 business days

11. Chargebacks

11.1 Chargeback Policy

• Chargebacks should be last resort after attempting resolution with us
• We will contest illegitimate chargebacks with evidence
• Fraudulent chargebacks may result in account suspension
• Chargeback disputes delay resolution for both parties

11.2 Genuine Chargebacks

We understand chargebacks may be necessary for:

• Unauthorized transactions on your card
• Complete non-delivery despite our non-response
• Service significantly different from description

12. Changes to This Policy

We reserve the right to modify this Refund & Cancellation Policy at any time. Changes will be effective when posted on this page with an updated "Last Updated" date.

For material changes:

• We will provide 15 days' advance notice via email
• Existing orders will be processed under the policy in effect at time of purchase

13. Contact Us - Refund Requests