Refund Policy.

Refunds will be processed in accordance with:

• •The applicable product/service terms
• •Seller/service-provider cancellation terms
• •This Refund Policy
• •Applicable Indian laws

Where a specific refund policy is displayed during checkout, that policy will apply to the relevant transaction, subject to applicable law.

Tuition fees, institutional fees and other educational payments may be governed by the refund policy of the relevant educational institution.

If an institution approves a refund, PayintimeHub may facilitate the refund through the applicable payment channel.

Refund eligibility for courses may depend on:

• •Whether course access has been activated
• •Whether course content has been accessed
• •Course completion status
• •The course provider's refund period
• •The cancellation terms displayed before purchase

Where legally permitted and clearly disclosed before purchase, digital courses may become non-refundable after substantial access to digital content.

Property listing, brokerage, lead-generation, consultation or other service fees may have separate cancellation terms.

Payments made directly between property buyers, sellers, landlords, tenants and brokers may be governed by their separate agreement.

Refunds/replacements may be available where:

• ✓The wrong product is delivered
• ✓The product is damaged
• ✓The product is materially different from the listing
• ✓The product is expired where applicable
• ✓The order is not delivered
• ✓Another valid consumer-protection ground applies

Customers should report problems as soon as possible after delivery. Photographs, order details or other supporting information may be requested.

Travel refunds are subject to the cancellation terms of the applicable travel operator, airline, hotel or service provider. A booking may be:

• •Refundable
• •Partially refundable
• •Subject to cancellation charges
• •Non-refundable

The applicable cancellation conditions should be reviewed before completing the booking.

Where a payment has been debited but the transaction has not been successfully completed, the transaction may be reversed/refunded through the relevant payment gateway or financial institution.

The time required for the amount to reach the customer's account may depend on the bank, card issuer, UPI provider or payment gateway.

If the same transaction is accidentally paid more than once, contact support@PayintimeHub.com. Provide the transaction references for verification.

Eligible duplicate payments may be refunded after verification.

If you believe a transaction was unauthorised, immediately contact:

Approved refunds will generally be processed through the original payment method. Depending on the payment provider and transaction type, the actual crediting time may vary.

PayintimeHub does not control processing times imposed by banks, card networks or third-party payment providers.

A refund request should include:

• •Customer name
• •Registered mobile number/email
• •Order/booking number
• •Transaction ID/UTR
• •Date of transaction
• •Reason for refund
• •Supporting evidence where applicable

Certain clearly disclosed charges, including certain service, convenience, processing, brokerage or booking charges, may be non-refundable where permitted by applicable law.

Customers are encouraged to contact PayintimeHub support first to resolve transaction issues.

Nothing in this policy limits rights available under applicable law or applicable bank/payment-system rules.