Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy (“Policy”) governs cancellations, refunds, reversals and AutoPay-related transactions for products and services made available through www.studiomitra.in (“Website”), operated by SAFALPAY INDIA PRIVATE LIMITED (“StudioMitra”, “Company”, “we”, “us” or “our”).

By using the Website or placing an order, subscribing to a service, making a payment or enabling an AutoPay mandate, you agree to this Policy and the applicable Terms & Conditions.

3. Cancellation of Orders / Services

A User may request cancellation of an order or service before the relevant product or service has been processed, fulfilled, activated or otherwise delivered, wherever cancellation is operationally possible.

Once processing, activation, fulfilment or delivery has commenced, cancellation may not be possible. Certain products or services may have specific cancellation conditions, which will be communicated at the time of purchase or subscription.

Cancellation requests should be submitted through the applicable customer-support channel with sufficient transaction or order details.

5. Non-Refundable / Completed Services

Where a service has been successfully delivered, consumed, activated or completed, the amount may not be refundable unless the applicable service terms, Company policy or law provides otherwise.

Government charges, third-party charges, transaction fees or other amounts that are legally or contractually non-refundable may not be included in a refund, where applicable.

7. Cancellation of AutoPay Mandate

A User may request cancellation, revocation or suspension of an AutoPay mandate through the applicable facility provided by StudioMitra, the relevant bank, card issuer, UPI application, payment service provider or other mandate-management channel, as applicable.

Cancellation of an AutoPay mandate does not automatically reverse a debit that has already been successfully processed before the mandate cancellation became effective.

Users should cancel or revoke a mandate sufficiently in advance of the next scheduled debit where they do not wish further recurring payments to be processed. The effective timing of cancellation may depend on the relevant bank, payment network, UPI system, card network or payment service provider.

8. Refund for AutoPay Transactions

If an AutoPay debit is successfully processed and the transaction is subsequently determined to be refundable under the applicable service terms, the eligible refund will be processed through the applicable payment channel or another permitted method.

Cancellation of an AutoPay mandate by itself does not constitute a refund of previously processed payments.

Where a User believes that an AutoPay debit was unauthorized, incorrect, duplicated or otherwise disputed, the User should promptly contact StudioMitra and, where appropriate, the relevant bank or payment service provider.

10. Duplicate Payment

Where the same transaction is successfully charged more than once due to a duplicate payment or technical issue, the duplicate amount may be eligible for refund after verification.

The User may be asked to provide transaction references or payment confirmations to facilitate reconciliation.

11. Failed Transaction / Amount Debited

If a payment is debited from the User's account but the corresponding transaction is shown as failed, pending or incomplete, the transaction may be subject to reconciliation.

Where the amount is not successfully settled to StudioMitra and is eligible for reversal, the amount may be automatically reversed by the relevant payment system or processed for refund, subject to applicable timelines and third-party processing.

13. Refund Method

Where feasible, refunds will generally be processed to the original payment method used for the transaction. In certain circumstances, an alternative lawful refund method may be used after appropriate verification.

StudioMitra may require additional information to verify the identity of the requester before processing a refund.

14. Cancellation by StudioMitra

StudioMitra may cancel, suspend or decline an order, subscription or transaction where required due to technical issues, service unavailability, suspected fraud, incorrect information, regulatory or compliance requirements, payment failure, pricing or system errors, or other legitimate operational reasons.

Where an eligible payment has already been received for a transaction cancelled by StudioMitra, an applicable refund may be processed in accordance with this Policy and the relevant service terms.

15. Third-Party Services

Some payments, subscriptions, AutoPay mandates, refunds and reversals may be processed through third-party banks, payment gateways, UPI providers, card networks or other payment service providers.

The processing time and status of a refund or mandate cancellation may therefore depend on the relevant third party. StudioMitra will provide reasonable assistance within its control.

17. Taxes and Statutory Amounts

Refunds, where applicable, will be processed subject to applicable tax, statutory and accounting requirements. Any tax treatment of a refund will be handled in accordance with applicable law.

19. Fraudulent or Misuse-Related Transactions

StudioMitra may investigate refund requests involving suspected fraud, misuse, false claims or unauthorized activity. The Company may request supporting documents and may delay processing while verification or investigation is underway, subject to applicable law.

20. Policy Changes

StudioMitra may update this Refund & Cancellation Policy from time to time. The updated version will be published on www.studiomitra.in with the applicable effective date. Users are advised to review the Policy periodically.