Effective Date: March 25, 2025

This Return & Refund Policy outlines the terms and conditions for returning products and requesting refunds on purchases made through Jeevandhara Digital.

1. Return Eligibility

• Returns are accepted within 7 days from the date of delivery.
• Products must be unused, unopened, and in their original packaging.
• Electronics and appliances must be returned with all accessories, manuals, and original tags.

2. Non-Returnable Items

The following products are not eligible for return:

• Products damaged due to misuse or negligence
• Items without original packaging
• Digital services and completed bill payments

3. Refund Process

• Once the return is received and inspected, we will notify you of the approval or rejection of your refund.
• Approved refunds will be processed within 3–7 business days.
• Refunds will be credited only into your Jeevandhara Digital wallet:
  • Services Wallet → for failed recharges and bill payments
  • Shopping Wallet → for product order returns or cancellations
• No refunds will be issued to bank accounts, UPI, cards, or in cash.

4. Exchange Policy

If you received a defective or incorrect product, we will replace it at no extra cost. Please report issues within 48 hours of delivery.

5. Cancellation Policy

Orders can be cancelled before they are shipped. If cancelled, the refund will be credited only to your Shopping Wallet. Once shipped, cancellation is not possible, and you must follow the return process.

6. Non-Refundable Cases

• Wrong details entered by the user (e.g., incorrect bill number, mobile/DTH operator).
• Successful recharge or bill payment already delivered.
• Products damaged due to customer misuse or negligence.
• Digital services that have been fully used.
• Refunds are not applicable if the user enters incorrect details including but not limited to consumer number, account number, operator, or service selection.
• Once a recharge/bill payment is successful at operator end, it cannot be reversed or refunded under any circumstance.

7. API-Based Digital Services Policy

Jeevandhara Digital operates as a technology platform and service intermediary. All recharges, bill payments, and API-based services are executed strictly based on the details entered by the user. We do not modify, validate, or correct consumer/account information.

• Any failed transaction due to user-entered wrong details (mobile number, DTH ID, consumer ID, electricity account etc.) is not eligible for refund.
• The company is not responsible for delays caused by operators, banks, or external networks.

8. Refund Investigation & Proof Requirement

To initiate a refund request, users must provide valid proof of payment. Without proof, the company will not be able to process or verify claims.

• UPI Reference Number
• Bank statement (last 5 entries)
• Transaction ID

Fake, edited or incorrect screenshots will result in rejection of the claim and may lead to account suspension.

9. Fraud & Abuse of Refunds

If a user is suspected of fraud, chargeback abuse, multiple accounts, or misleading claims, Jeevandhara Digital reserves full right to:

• Freeze wallet balance
• Suspend or terminate account access
• Reject all pending/ongoing refund requests
• File cyber fraud complaint under IT Act 2000 – Sec. 66D / 43A