Refund Policy

REFUND POLICY

Platform Name: fashionkart.ai
Operated By: Hellwet Technologies Private Limited
Registered Office:
First Floor, B-2/64, Lohia Path, Lucknow, Uttar Pradesh- 226010, India

This Refund Policy (“Policy”) governs only the refund of money paid for products purchased on the Platform.
Product returns are governed by a separate Return Policy document.

This Policy is legally binding and forms an integral part of the Terms & Conditions.

1. PURPOSE & OBJECTIVE OF REFUND POLICY

1. The purpose of this Refund Policy is to clearly define:
   
   

• When a refund may be issued
  
  

• How refunds are processed
  
  

• What amounts are refundable or non-refundable
  
  

2. This Policy aims to:
   
   

• Ensure transparency in monetary reversals
  
  

• Prevent misuse, fraud and refund abuse
  
  

• Clearly allocate Seller, Platform and User responsibilities
  
  

3. Refunds under this Policy are conditional remedies, not guaranteed entitlements.
   
   

2. SCOPE & APPLICABILITY

1. This Policy applies to:
   
   

• All Users who make payments on fashionkart.ai
  
  

• All monetary transactions routed through the Platform
  
  

2. This Policy governs:
   
   

• Refund eligibility
  
  

• Refund timelines
  
  

• Refund modes
  
  

3. This Policy does not govern:
   
   

• Product return eligibility
  
  

• Exchange or replacement
  
  

• Order cancellation rules
  (These are covered under separate policies.)
  
  

3. PLATFORM BUSINESS MODEL DISCLOSURE

1. fashionkart.ai is an AI-enabled multivendor marketplace.
   
   

2. Payments are collected for products sold by independent third-party Sellers.
   
   

3. The Company:
   
   

• Is not the seller of goods
  
  

• Does not manufacture or stock products
  
  

• Does not guarantee Seller performance
  
  

4. The Platform acts as a technology facilitator and intermediary.
   
   

5. Refund liability primarily arises from:
   
   

• Seller obligations
  
  

• Payment gateway rules
  subject to this Policy.
  
  

4. LEGAL NATURE OF REFUNDS

1. A refund is not an automatic consumer right.
   
   

2. Refunds are issued only when:
   
   

• Explicitly permitted under this Policy
  
  

• All conditions are satisfied
  
  

3. No support assurance, chat response, or verbal communication shall create a refund obligation unless processed formally on the Platform.
   
   

4. The User expressly waives any claim for:
   
   

• Automatic refunds
  
  

• Interest on refund amounts
  
  

• Compensation for delay, unless mandated by law
  
  

5. DEFINITION OF “REFUND”

For the purpose of this Policy, a “Refund” means:

1. Reversal of a payment amount to the User’s original payment source
   
   

2. Initiated only after:
   
   

• Eligibility determination
  
  

• Seller confirmation (where applicable)
  
  

• Platform processing
  
  

3. Subject to:
   
   

• Banking timelines
  
  

• Payment gateway processing rules
  
  

A “Refund” does not mean:

• Immediate credit
  
  

• Cash refund
  
  

• Replacement guarantee
  
  

6. USER ACKNOWLEDGEMENT & CONSENT

By making a payment on fashionkart.ai, the User expressly acknowledges that:

1. Refunds are governed strictly by this Policy
   
   

2. Refund processing timelines are indicative and non-guaranteed
   
   

3. Certain charges may be non-refundable
   
   

4. Refund approval does not imply:
   
   

• Seller fault admission
  
  

• Platform liability
  
  

7. RELATIONSHIP WITH OTHER POLICIES

1. This Refund Policy must be read with:
   
   

• Terms & Conditions
  
  

• Return Policy
  
  

• Support Policy
  
  

2. In case of conflict:
   
   

• This Policy shall prevail only for refund-related matters
  
  

3. Return approval does not automatically guarantee a refund unless this Policy permits it.
   
   

8. NO IMPLIED WARRANTIES OR ASSURANCES

1. Nothing in this Policy shall be construed as:
   
   

• Guarantee of refund
  
  

• Warranty of product satisfaction
  
  

• Promise of immediate reversal
  
  

2. All refunds are subject to:
   
   

• Verification
  
  

• Seller confirmation
  
  

• Gateway processing
  
  

9. AI VIRTUAL TRIAL ROOM – REFUND DISCLAIMER

1. The Platform provides AI-based Virtual Trial Room for visual assistance only.
   
   

2. The User acknowledges that:
   
   

• AI output is simulated
  
  

• Real product appearance may differ
  
  

3. Dissatisfaction due to AI Virtual Trial output shall not constitute a valid refund ground.
   
   

10. BINDING EFFECT OF REFUND POLICY

1. This Refund Policy constitutes a legally binding agreement.
   
   

2. Continued use of the Platform constitutes continued acceptance.
   
   

3. Users who do not agree must refrain from making payments on the Platform.
   
   

11. GENERAL REFUND ELIGIBILITY PRINCIPLES

1. Refunds on the Platform are governed strictly by:
   
   

• This Refund Policy
  
  

• Applicable Seller obligations
  
  

• Payment gateway and banking rules
  
  

2. No refund shall be processed unless all conditions under this Policy are satisfied.
   
   

3. The burden of proving refund eligibility lies entirely on the User.
   
   

4. Refunds are exceptional remedies and shall not be presumed or implied.
   
   

5. Refund approval is subject to:
   
   

• Verification
  
  

• Seller confirmation (where applicable)
  
  

• Successful completion of prerequisite actions
  
  

12. REFUND IS NOT AN AUTOMATIC RIGHT

1. The User expressly agrees that:
   
   

• Payment once made is final unless a valid refund condition exists
  
  

2. A refund shall be issued only when explicitly permitted under this Policy.
   
   

3. Silence, delay, support communication or escalation shall not constitute refund approval.
   
   

4. No interest, penalty or compensation shall accrue for processing time, unless mandated by law.
   
   

13. REFUNDABLE CIRCUMSTANCES (LIMITED & CONDITIONAL)

Refunds may be considered only in the following scenarios, subject to compliance with this Policy:

1. Order cancelled before shipment, where permitted
   
   

2. Return approved under the Return Policy and successfully completed
   
   

3. Payment debited but order not created due to technical failure
   
   

4. Duplicate payment for the same order
   
   

5. Order cancelled by Seller or Platform due to:
   
   

• Stock unavailability
  
  

• Pricing error
  
  

• Legal or compliance issues
  
  

Refunds shall not be granted unless the underlying condition is verified.

14. NON-REFUNDABLE CIRCUMSTANCES (ABSOLUTE)

Refunds shall NOT be issued in the following cases:

1. Dissatisfaction due to:
   
   

• Size or fitting issues
  
  

• Look or appearance mismatch
  
  

• AI Virtual Trial preview variance
  
  

2. Orders where return request is:
   
   

• Rejected
  
  

• Not raised
  
  

• Raised beyond permitted timelines
  
  

3. Products declared non-returnable under the Return Policy
   
   

4. Discounted, clearance or promotional items, unless required by law
   
   

5. User errors including:
   
   

• Incorrect address
  
  

• Incorrect product selection
  
  

• Failure to accept delivery
  
  

6. Delays caused by banks, gateways or couriers beyond Platform control
   
   

These exclusions are final, binding and non-negotiable.

15. REFUND DEPENDENCY ON RETURN APPROVAL

1. Where a refund is linked to a return:
   
   

• Refund shall be processed only after successful return completion
  
  

2. Mere initiation of return does not create a refund right.
   
   

3. Rejected returns automatically result in refund denial.
   
   

16. SELLER VS PLATFORM REFUND RESPONSIBILITY

1. Sellers are primarily responsible for:
   
   

• Product-related refunds
  
  

• Return-based refunds
  
  

2. The Company:
   
   

• Facilitates refund processing
  
  

• Does not assume Seller refund liability
  
  

3. Platform facilitation does not imply:
   
   

• Seller fault admission
  
  

• Platform liability
  
  

17. PAYMENT GATEWAY & BANKING DEPENDENCY

1. Refunds are processed through RBI-authorised payment gateways.
   
   

2. Actual credit timelines depend on:
   
   

• Issuing bank
  
  

• Card network
  
  

• UPI or wallet provider
  
  

3. The Company does not control bank processing speed.
   
   

4. Delays at bank or gateway level shall not give rise to:
   
   

• Additional refund claims
  
  

• Interest or compensation
  
  

18. PARTIAL REFUNDS & ADJUSTMENTS

1. Partial refunds may be issued in:
   
   

• Multi-item orders
  
  

• Partial return acceptance cases
  
  

2. Shipping fees, convenience fees or service fees may be:
   
   

• Deducted
  
  

• Non-refundable
  subject to this Policy.
  
  

3. Platform calculations shall be final.
   
   

19. NO CASH OR OFFLINE REFUNDS

1. Refunds shall be processed only to the original payment method.
   
   

2. Cash refunds, cheque refunds or alternate account transfers are not permitted.
   
   

3. Requests for alternate refund modes shall be rejected.
   
   

20. USER ACKNOWLEDGEMENT OF REFUND CONDITIONS

By making a payment on the Platform, the User confirms that:

1. They understand refund eligibility is conditional
   
   

2. They accept non-refundable components
   
   

3. They waive claims inconsistent with this Policy
   
   

21. REFUND REQUEST INITIATION

1. A refund request may be initiated only through the official workflow provided on the Platform.
   
   

2. Requests raised through:
   
   

• Email
  
  

• Phone calls
  
  

• Social media
  
  

• Informal communication
  shall not be treated as valid refund requests unless logged on the Platform.
  
  

3. The User must:
   
   

• Select the correct order ID
  
  

• Select the correct refund reason
  
  

• Provide accurate supporting information
  
  

4. Incorrect, misleading or false selection of refund reason may lead to rejection.
   
   

22. REFUND REQUEST TIME LIMITS

1. Refund requests must be raised:
   
   

• Within the timelines specified in this Policy, or
  
  

• As communicated on the Platform for the relevant order
  
  

2. Where a refund is linked to a return:
   
   

• Refund request is deemed valid only after return approval
  
  

3. Requests raised after expiry of permitted timelines:
   
   

• Shall be automatically ineligible
  
  

• Need not be reviewed or responded to
  
  

No extension shall be granted except where required by law.

23. MANDATORY INFORMATION & DECLARATIONS

At the time of raising a refund request, the User must provide:

1. Clear explanation of the refund reason
   
   

2. Confirmation that all provided information is true and accurate
   
   

3. Declaration that:
   
   

• No misuse or fraud is involved
  
  

• Request complies with this Policy
  
  

Any false declaration shall be treated as material misrepresentation.

24. PRELIMINARY PLATFORM REVIEW

1. Upon submission, the refund request shall undergo a preliminary review by the Platform to assess:
   
   

• Eligibility under this Policy
  
  

• Completeness of information
  
  

• Apparent compliance with return or cancellation conditions
  
  

2. The Platform may:
   
   

• Seek additional clarification
  
  

• Reject incomplete requests
  
  

• Forward eligible requests to the Seller (where applicable)
  
  

3. Preliminary review does not constitute refund approval.
   
   

25. SELLER CONFIRMATION & VERIFICATION (WHERE APPLICABLE)

1. For refunds linked to:
   
   

• Product returns
  
  

• Seller cancellations
  Seller confirmation may be required.
  
  

2. The Seller may verify:
   
   

• Return completion
  
  

• Product condition
  
  

• Compliance with Seller obligations
  
  

3. Seller confirmation shall be recorded on the Platform.
   
   

4. Seller non-confirmation does not automatically create a refund right unless mandated by law.
   
   

26. PLATFORM-LEVEL VERIFICATION

1. The Platform may independently verify:
   
   

• Payment status
  
  

• Transaction logs
  
  

• Gateway responses
  
  

• Order lifecycle status
  
  

2. Platform verification is conducted to:
   
   

• Prevent duplicate refunds
  
  

• Detect fraud or abuse
  
  

• Ensure policy compliance
  
  

27. REFUND APPROVAL OR REJECTION DECISION

1. Refund requests shall be:
   
   

• Approved, or
  
  

• Rejected
  based strictly on this Policy.
  
  

2. Approval or rejection shall be communicated through:
   
   

• Platform dashboard
  
  

• Registered email or app notification
  
  

3. Informal communication shall not be treated as binding confirmation.
   
   

28. NO IMPLIED APPROVAL OR ESTOPPEL

1. Delay in processing shall not imply refund approval.
   
   

2. Support responses, acknowledgements or escalations shall not override the formal decision.
   
   

3. The Platform is not estopped from rejecting a refund request at any stage prior to final approval.
   
   

29. REFUND PROCESSING STAGES

Refund processing typically includes the following stages:

1. Refund request submission
   
   

2. Preliminary review
   
   

3. Seller confirmation (if required)
   
   

4. Platform verification
   
   

5. Refund initiation through payment gateway
   
   

6. Bank or issuer credit
   
   

Each stage is subject to separate processing timelines.

30. INDICATIVE REFUND TIMELINES (NON-GUARANTEED)

1. Refund initiation after approval: within 7–14 business days
   
   

2. Actual credit timelines depend on:
   
   

• Issuing bank
  
  

• Card network
  
  

• UPI or wallet provider
  
  

3. The Company does not guarantee exact credit dates.
   
   

4. Delays at bank or gateway level shall not give rise to:
   
   

• Additional refund claims
  
  

• Interest or compensation
  
  

31. PARTIAL REFUND HANDLING

1. Partial refunds may be processed in:
   
   

• Multi-item orders
  
  

• Partial return acceptance cases
  
  

2. Refund amount shall be calculated proportionately.
   
   

3. Platform calculations shall be final and binding.
   
   

32. DUPLICATE OR ERRONEOUS REFUNDS

1. In case of duplicate or erroneous refund:
   
   

• The User shall be liable to return the excess amount
  
  

2. The Company reserves the right to:
   
   

• Recover excess amounts
  
  

• Adjust against future payments
  
  

• Initiate legal recovery where required
  
  

33. USER COOPERATION OBLIGATION

During the refund process, the User must:

1. Cooperate with verification requests
   
   

2. Provide additional information if required
   
   

3. Avoid raising duplicate or abusive refund requests
   
   

Non-cooperation may result in rejection or account action.

34. RECORD KEEPING & AUDIT

1. Refund requests and processing records may be retained for:
   
   

• Audit
  
  

• Fraud detection
  
  

• Regulatory compliance
  
  

2. Records may be produced before authorities if required by law.
   
   

35. REFUND MODES (STRICT & LIMITED)

1. All refunds shall be processed only through the original payment method used at the time of placing the order.
   
   

2. Refund modes may include:
   
   

• UPI reversal
  
  

• Credit card reversal
  
  

• Debit card reversal
  
  

• Net-banking reversal
  
  

3. Cash refunds, cheque refunds, demand drafts, or third-party transfers are strictly prohibited.
   
   

4. Requests to credit refunds to a different bank account, wallet, or payment instrument shall be rejected without review.
   
   

36. PAYMENT GATEWAY & BANKING DEPENDENCY

1. Refund initiation is subject to:
   
   

• Payment gateway processing rules
  
  

• Issuing bank timelines
  
  

• Card network or UPI operator policies
  
  

2. The Platform does not control:
   
   

• Bank processing speed
  
  

• Settlement cycles
  
  

• Intermediary delays
  
  

3. Delays caused by banks or gateways shall not:
   
   

• Create additional refund rights
  
  

• Attract interest or penalty
  
  

• Result in compensation claims
  
  

37. REFUND AMOUNT CALCULATION PRINCIPLES

1. Refund amounts shall be calculated strictly based on:
   
   

• Actual amount received by the Platform
  
  

• Deductions permitted under this Policy
  
  

2. Taxes, gateway charges, or deductions already incurred may be:
   
   

• Deducted from the refund amount
  
  

• Non-refundable where permitted by law
  
  

3. The Platform’s calculation shall be final and binding.
   
   

38. NON-REFUNDABLE COMPONENTS (DETAILED & FINAL)

The following components are NON-REFUNDABLE, unless explicitly required by applicable law:

1. Platform service fees
   
   

2. Convenience fees
   
   

3. AI Virtual Trial usage fees
   
   

4. Personalization or customization charges
   
   

5. Shipping or logistics charges (unless Seller fault is established)
   
   

6. Payment gateway charges
   
   

7. Promotional discounts or cashback benefits already availed
   
   

Users expressly waive claims for refund of the above components.

39. SHIPPING & LOGISTICS CHARGE TREATMENT

1. Shipping charges shall be refunded only if:
   
   

• The order is cancelled before shipment, or
  
  

• The return is due to Seller fault
  
  

2. Shipping charges shall not be refunded in cases of:
   
   

• User-initiated returns
  
  

• Address errors
  
  

• Delivery refusal
  
  

3. Reverse pickup or return shipping costs may be:
   
   

• Deducted from the refund amount
  
  

• Borne by the User, as applicable
  
  

40. PARTIAL REFUND CALCULATION

1. In multi-item orders, refunds may be issued only for eligible items.
   
   

2. Non-refundable components may still be deducted even in partial refunds.
   
   

3. Bundle or combo products may not be eligible for item-wise refunds.
   
   

4. Platform calculation methodology shall prevail in case of dispute.
   
   

41. PROMOTIONAL OFFERS, COUPONS & CASHBACK

1. Promotional discounts or coupons applied at checkout:
   
   

• Have no cash value
  
  

• Are non-refundable
  
  

2. Cashback or reward benefits already credited:
   
   

• Shall be reversed
  
  

• May be adjusted against the refund amount
  
  

3. Promotional benefits forfeited due to refund shall not be reinstated.
   
   

42. TAX & INVOICE ADJUSTMENTS

1. Refunds may include applicable tax components only if:
   
   

• Taxes were collected
  
  

• Refund is permitted under tax laws
  
  

2. Revised or credit invoices may be issued where required by law.
   
   

3. The Platform shall not be responsible for Seller tax compliance errors.
   
   

43. ROUNDING, ADJUSTMENTS & FINALITY

1. Minor rounding differences may occur due to:
   
   

• Gateway calculations
  
  

• Bank settlement logic
  
  

2. Such differences shall not give rise to disputes.
   
   

3. The refund amount communicated by the Platform shall be final.
   
   

44. NO CASH EQUIVALENT OR STORE CREDIT OBLIGATION

1. The Platform is under no obligation to:
   
   

• Issue store credits
  
  

• Offer vouchers
  
  

• Provide alternate compensation
  
  

2. Any goodwill credit, if offered, shall be:
   
   

• Discretionary
  
  

• Non-transferable
  
  

• Non-refundable
  
  

45. SELLER AS PRIMARY REFUND LIABLE PARTY

1. Each product sold on the Platform is offered by an independent third-party Seller.
   
   

2. The Seller is the primary and principal party responsible for:
   
   

• Product-related refunds
  
  

• Return-linked refunds
  
  

• Compliance with consumer obligations
  
  

3. The Company does not assume Seller refund liability merely by facilitating payment or refunds.
   
   

46. SELLER DEFAULT OR NON-COOPERATION

1. In cases where a Seller:
   
   

• Fails to respond
  
  

• Refuses to process a legitimate refund
  
  

• Becomes inactive or insolvent
  
  

2. The Platform may:
   
   

• Notify the Seller
  
  

• Take internal corrective action
  
  

• Suspend or delist the Seller
  
  

3. Such action shall not automatically create a refund obligation for the Company unless mandated by law.
   
   

47. PLATFORM ROLE IN SELLER DEFAULT SITUATIONS

1. The Company may act as a facilitator to:
   
   

• Escalate the issue
  
  

• Ensure policy compliance
  
  

2. The Company shall not:
   
   

• Guarantee Seller refunds
  
  

• Substitute Seller liability
  
  

• Act as a guarantor or insurer
  
  

48. CHARGEBACKS & BANK-INITIATED DISPUTES

1. Users may raise disputes directly with:
   
   

• Issuing bank
  
  

• Card network
  
  

• UPI or payment provider
  
  

2. Such disputes are governed by:
   
   

• Bank rules
  
  

• Network regulations
  
  

3. The Platform is bound by the outcome of such disputes.
   
   

49. CHARGEBACK LIABILITY ALLOCATION

1. Chargeback liability shall lie primarily with the Seller.
   
   

2. The Platform may:
   
   

• Debit Seller settlements
  
  

• Withhold payouts
  
  

• Recover chargeback amounts
  
  

3. The Company shall not be liable for:
   
   

• Chargeback losses
  
  

• Bank penalties
  
  

• Network fees
  
  

50. BANK DECISIONS ARE FINAL

1. Decisions taken by banks, card networks or UPI operators shall be:
   
   

• Final
  
  

• Binding
  
  

2. The Platform shall not override or contest such decisions beyond required cooperation.
   
   

51. DUPLICATE REFUNDS & RECOVERY RIGHTS

1. If a User receives:
   
   

• Refund via Platform, and
  
  

• Refund via chargeback
  
  

2. Such duplicate amount shall be recoverable.
   
   

3. The Company may:
   
   

• Recover excess amount
  
  

• Adjust against future refunds
  
  

• Initiate legal recovery
  
  

52. PLATFORM SAFE-HARBOUR & INTERMEDIARY STATUS

1. The Company operates as an intermediary under applicable Indian law.
   
   

2. Nothing in this Policy shall negate intermediary safe-harbour protections.
   
   

3. The Platform does not assume joint liability with Sellers unless required by law.
   
   

53. LIMITATION OF PLATFORM LIABILITY (REFUNDS)

To the maximum extent permitted by law:

1. The Company shall not be liable for:
   
   

• Seller refusal or delay
  
  

• Bank or gateway delays
  
  

• Chargeback outcomes
  
  

2. If liability is imposed despite exclusions, total liability of the Company shall be strictly limited to:
   the platform service fee charged for the concerned transaction, if any.
   
   

54. NO COMPENSATION, INTEREST OR DAMAGES

1. The User agrees not to claim:
   
   

• Interest on refund amounts
  
  

• Compensation for delay
  
  

• Damages for inconvenience
  
  

2. Refunds are limited strictly to amounts permitted under this Policy.
   
   

55. RECORD KEEPING & REGULATORY COOPERATION

1. Refund and chargeback records may be retained for:
   
   

• Audit
  
  

• Regulatory compliance
  
  

• Legal proceedings
  
  

2. Such records may be shared with:
   
   

• Banks
  
  

• Payment gateways
  
  

• Government authorities
  as required by law.
  
  

56. REFUND ABUSE – DEFINITION & SCOPE

For the purpose of this Policy, “Refund Abuse” includes, but is not limited to:

1. Excessive or repetitive refund requests
   
   

2. Pattern-based refund claims without valid grounds
   
   

3. Repeated bank chargebacks instead of using Platform processes
   
   

4. Attempting refunds after policy timelines
   
   

5. Collusion with Sellers, couriers or third parties
   
   

6. Abuse of promotional refunds or goodwill credits
   
   

Refund abuse shall be treated as a serious policy violation.

57. FRAUDULENT REFUND PRACTICES

Fraudulent conduct includes:

1. False claims of non-delivery or payment failure
   
   

2. Claiming refunds after successful delivery and acceptance
   
   

3. Manipulating transaction records or screenshots
   
   

4. Submitting false declarations during refund requests
   
   

5. Coordinating multiple accounts for refund exploitation
   
   

Such acts may result in civil and/or criminal action.

58. REFUND RISK MONITORING & ACCOUNT SCORING

1. The Platform may monitor refund behavior using:
   
   

• Automated risk engines
  
  

• Manual review
  
  

• Transaction pattern analysis
  
  

2. Accounts may be classified as:
   
   

• Low-risk
  
  

• Medium-risk
  
  

• High-risk
  
  

3. High-risk accounts may be subject to:
   
   

• Additional verification
  
  

• Delayed processing
  
  

• Refund restrictions
  
  

59. REFUND RESTRICTION & LIMITATION RIGHTS

The Company reserves the right to:

1. Temporarily restrict refund eligibility
   
   

2. Permanently disable refund access
   
   

3. Impose stricter refund conditions on specific accounts
   
   

4. Require alternate verification before refund processing
   
   

Such actions may be taken without prior notice.

60. ACCOUNT SUSPENSION & TERMINATION

In cases of refund abuse or fraud, the Company may:

1. Suspend the User account temporarily
   
   

2. Permanently terminate account access
   
   

3. Cancel pending refund requests
   
   

4. Forfeit promotional benefits or credits
   
   

Such action does not require prior warning.

61. BLACKLISTING & ACCESS CONTROL

1. Accounts involved in serious refund misuse may be:
   
   

• Blacklisted
  
  

• Device-restricted
  
  

• IP-restricted
  
  

2. Blacklisting may extend to:
   
   

• Linked or associated accounts
  
  

• Re-registrations using different credentials
  
  

3. Blacklisted users may be denied access to the Platform.
   
   

62. RECOVERY OF WRONGFUL REFUNDS

1. If a refund is issued due to:
   
   

• User misrepresentation
  
  

• System abuse
  
  

• Fraudulent activity
  
  

2. The Company reserves the right to:
   
   

• Recover such amounts
  
  

• Adjust against future payments
  
  

• Initiate legal recovery proceedings
  
  

63. DATA SHARING FOR FRAUD PREVENTION

1. The Company may share relevant data with:
   
   

• Sellers
  
  

• Banks and payment gateways
  
  

• Law enforcement agencies
  
  

2. Data sharing shall be limited to what is legally permissible and necessary.
   
   

64. NO WAIVER OF RIGHTS

1. Failure to immediately detect or act upon abuse shall not constitute a waiver.
   
   

2. The Company retains the right to act retrospectively upon discovery of misuse.
   
   

65. USER ACKNOWLEDGEMENT OF REFUND ABUSE POLICY

By using the Platform, the User acknowledges that:

1. Refund abuse is prohibited
   
   

2. Fraudulent conduct may lead to permanent consequences
   
   

3. Platform decisions regarding abuse are binding, subject to applicable law
   
   

66. NO AUTOMATIC OR IMPLIED REFUND RIGHTS

1. The User expressly agrees that:
   
   

• No refund is automatic or implied
  
  

• Refunds are issued only when expressly approved under this Policy
  
  

2. Mere payment, complaint, support interaction, or dissatisfaction does not create a refund entitlement.
   
   

3. Silence, delay, acknowledgement, or internal review shall not be construed as refund approval.
   
   

67. NO DAMAGES, COMPENSATION OR INTEREST

1. The User agrees that refunds are limited strictly to:
   
   

• Eligible amounts under this Policy
  
  

2. The User shall not claim:
   
   

• Interest on refund amounts
  
  

• Compensation for delay
  
  

• Penalty or damages
  
  

• Mental harassment or inconvenience costs
  
  

3. The Platform shall not be liable for consequential or indirect losses.
   
   

68. LIMITATION OF LIABILITY (REFUNDS)

To the maximum extent permitted by law:

1. The Company shall not be liable for:
   
   

• Seller refusal or delay
  
  

• Bank or payment gateway delays
  
  

• Chargeback outcomes
  
  

• Refund denial under policy terms
  
  

2. If liability is imposed despite exclusions, the total liability of the Company shall be strictly limited to:
   the platform service fee charged for the relevant transaction, if any.
   
   

69. NO JOINT OR SEVERAL LIABILITY WITH SELLERS

1. Sellers are independent third-party entities.
   
   

2. The Company is not jointly or severally liable with Sellers for:
   
   

• Product quality
  
  

• Manufacturing defects
  
  

• Seller refund decisions
  
  

3. Refund-related claims primarily lie against the Seller, subject to applicable law.
   
   

70. FORCE MAJEURE (REFUNDS)

1. The Company shall not be liable for failure or delay in refund processing due to events beyond reasonable control, including:
   
   

• Natural disasters
  
  

• Acts of God
  
  

• Government orders or restrictions
  
  

• Banking system failures
  
  

• Network or system outages
  
  

• Pandemics or public emergencies
  
  

2. Such events shall not create any additional refund rights.
   
   

71. COMPLIANCE WITH APPLICABLE LAW

1. Nothing in this Policy shall limit statutory consumer rights where such rights are mandatorily applicable.
   
   

2. However, where the law permits reasonable contractual limitations, this Policy shall be enforced to the fullest extent.
   
   

72. POLICY MODIFICATION & UPDATE RIGHTS

1. The Company reserves the right to:
   
   

• Modify
  
  

• Amend
  
  

• Update
  this Refund Policy at any time.
  
  

2. Updated versions shall be effective upon publication on the Platform.
   
   

3. Continued use of the Platform constitutes acceptance of the updated Policy.
   
   

73. SEVERABILITY

1. If any provision of this Policy is held invalid or unenforceable:
   
   

• The remaining provisions shall remain valid and enforceable
  
  

2. Invalid provisions shall be replaced by lawful provisions that most closely reflect the original intent.
   
   

74. PRECEDENCE & INTERPRETATION

1. This Refund Policy shall prevail over:
   
   

• Marketing materials
  
  

• FAQs
  
  

• Support communication
  in matters relating to refunds.
  
  

2. Headings are for convenience only and shall not affect interpretation.
   
   

75. GOVERNING LAW & JURISDICTION

1. This Refund Policy shall be governed by the laws of India.
   
   

2. Exclusive jurisdiction shall lie with the courts of Lucknow, Uttar Pradesh.
   
   

3. Subject to mandatory statutory remedies, parties agree to submit disputes to such jurisdiction.
   
   

76. FINAL USER ACKNOWLEDGEMENT

By making a payment on fashionkart.ai, the User expressly confirms that:

1. They have read and understood this Refund Policy in full
   
   

2. They accept all exclusions, limitations and conditions
   
   

3. They waive claims inconsistent with this Policy
   
   

4. They agree to be legally bound by this Policy