1. General Policy

At Shri Akhil Bharatvarshiya Sadhumargi Jain Sangh (SABSJS), we understand that circumstances may arise where you need to request a refund or cancellation of your donation. This policy outlines the conditions and procedures for such requests.

2. Refund Eligibility

Refunds may be considered and processed in the following situations:

• Technical Errors: If your account has been debited but the transaction failed, and you did not receive a confirmation receipt.
• Duplicate Transactions: If you have been charged multiple times for a single donation due to technical glitches.
• Unauthorized Transactions: If a transaction was made without your authorization or knowledge (subject to verification).
• Incorrect Amount: If an incorrect amount was deducted due to a system error.
• Transaction Reversal: If requested within 24 hours of the donation and before the funds are utilized for organizational activities.

3. Non-Refundable Situations

Refunds will NOT be processed in the following circumstances:

• Change of mind after making a voluntary donation
• Donations made for specific programs or events that have already been conducted
• Donations where the 80G tax exemption certificate has already been issued
• Donations that have been utilized for organizational activities
• Failure to provide accurate donor information
• After 30 days from the date of transaction

4. Cancellation Policy

4.1 Before Transaction Completion

You may cancel a donation transaction before it is completed by:

• Closing the payment gateway window before entering payment details
• Clicking the "Cancel" button on the payment page
• Not completing OTP verification (if applicable)

4.2 After Transaction Completion

Once a transaction is successfully completed and a confirmation receipt is generated, cancellation requests must follow the refund request procedure outlined in Section 5.

5. Refund Request Procedure

To request a refund, please follow these steps:

1. Contact Us Within 30 Days: Submit your refund request within 30 days of the transaction date.
2. Provide Required Information:
   • Transaction ID / Order ID
   • Name of the donor
   • Email address used for donation
   • Date and time of transaction
   • Donation amount
   • Reason for refund request
   • Supporting documents (if applicable)
3. Submit Request: Send your request via:
   • Email: ho@sadhumargi.com
   • WhatsApp: +91-8535858853
   • Phone: +91-9602026899

6. Refund Processing

6.1 Verification Process

Upon receiving your refund request:

• Our team will verify the transaction details
• We may contact you for additional information
• Verification typically takes 5-7 business days
• You will be notified via email about the status

6.2 Refund Timeline

If your refund request is approved:

• Credit/Debit Card: 5-7 business days
• Net Banking: 5-7 business days
• UPI/Wallets: 3-5 business days
• Bank Transfer: 7-10 business days

Note: The actual time may vary depending on your bank's processing time.

6.3 Refund Method

Refunds will be processed to the original payment method used for the donation. In case of technical limitations, we may process the refund via bank transfer (NEFT/RTGS) to your registered bank account.

7. Payment Gateway Failures

If a transaction fails at the payment gateway level but your account is debited:

• Most banks automatically reverse such transactions within 5-7 business days
• If the amount is not credited back within 7 days, please contact us with transaction details
• We will coordinate with the payment gateway to resolve the issue
• You may also contact your bank directly for faster resolution

8. Transaction Charges

In case of approved refunds, please note that payment gateway charges (if deducted during the original transaction) are non-refundable and will be borne by the donor. The refund amount will be net of any such charges.

9. Tax Exemption Certificates

If you have received an 80G tax exemption certificate and later request a refund:

• You must return the original certificate to SABSJS
• The certificate will be cancelled in our records
• You must not use the certificate for tax benefits
• Failure to return the certificate may result in denial of refund

10. Dispute Resolution

If your refund request is denied and you wish to dispute the decision, you may:

• Request a detailed explanation for the denial
• Provide additional supporting documents
• Escalate the matter to our management team
• Seek resolution through appropriate legal channels

11. Amendments

SABSJS reserves the right to modify this Refund & Cancellation Policy at any time. Changes will be effective immediately upon posting on the website. It is your responsibility to review this policy periodically.