REFUNDS AND CANCELLATIONS

The Terms and Conditions outlined here apply to any individual ("user") utilizing the services of Ekarth Ventures Private Limited (“Nahar Om") and its Affiliates for processing payments via an online payment gateway service provided by various payment service providers ("Payment Service Provider(s)") through the Nahar Om portal available at https://www.nahar.om// Consequently, each user is considered to have read and accepted these Terms and Conditions. Any notice, communication, or intimation intended for Nahar Om under this policy should be directed to blend@nahar.om.

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1. For Chargeback Transactions

• In these Terms and Conditions, the term "Chargeback" refers to approved and settled transactions made via credit card or net banking that are subsequently refused, debited, or charged back to the merchant's account (this also includes any similar debits to the accounts of the payment service provider, if applicable) by the acquiring bank or credit card company for any reason, along with any associated bank fees, penalties, and other related charges.

• If a user makes any claim for a chargeback for any reason, they must promptly notify Nahar Om. Any refund, if applicable, will be processed by Nahar om through the payment gateway or any other method deemed suitable by Nahar Om. Users are not allowed to submit refund or chargeback claims to the Payment Service Provider(s), and any such claims will not be considered.

 

1. Refund for fraudulent/duplicate transaction(s):

• The User must reach out to Nahar Om regarding any fraudulent transaction(s) resulting from the misuse of card or bank details by a fraudulent individual or party. Nahar Om will address these issues appropriately according to their policies and rules.

• The duration needed to handle a refund can differ based on elements like the payment method, the processing times of the financial institution, and the intricacy of the refund request. It should be noted that no refund request related to a transaction settled by Nahar Om to the final beneficiary will be accepted.

• In line with the above, Nahar Om will strive to process refunds within 5-7 business days from the date the refund request is initiated. After the user submits a refund request, Nahar Om will email the user to inform them of the approval or denial of the request. If the request is approved, the user's refund will be processed within 5-7 business days from the date we approved the refund request.

 

1. Server Slow Down/Session Timeout:

If the Website or the payment service provider's page linked to the Website is facing server issues such as 'slowdown', 'failure', or 'session timeout', the user must check if their bank account has been charged before making a second payment. Based on this, they should choose one of the following options:

• If the bank account shows a debit, make sure he/she does not process the payment again and promptly reach out to Nahar Om through email or any other contact method provided by Nahar Om to verify the payment.

• If the bank account does not show a debit, the user can start a new transaction to complete the payment.

The user acknowledges that the payment service provider(s) cannot be held liable for any fraudulent or duplicate transactions, and therefore, no claims should be made against the payment service provider(s).

 

1. Cancellation:

• For inquiries, reach out to Nahar Om at https://www.nahar.om// or give us a call using the contact details available on the website.

• Nahar Om will revert back to the user regarding cancellation requests made within 5 business days from the date of request.

• The fees associated with account opening charges for the patron's accounts are non-refundable. This fee is utilized for the initiation of an account by a Patron, and there are several charges incurred even if the account is not fully opened and activated. The account initiation process includes fees for electronic data entry and maintenance, KYC, e-signing, document printing, and the operational expenses of the business.

• The collection of necessary documents for account opening depends on the availability of our representatives at specific times and locations. This service will incur a separate charge to cover the effort involved. These fees are non-refundable.

• If Nahar Om does not open an account within 10 days after the patron submits all required supporting documents and authorizations, the patrons can request a complete refund of all fees paid for account opening.

• If a patron has made multiple payments for account opening fees, they are asked to submit a ticket at blend@nahar.om. Once notified, Nahar Om will begin the process to refund these amounts to the patron.

• If the account opening fee has been paid but the account remains inactive (meaning a patron ID and password have not been created), the Patron can submit a request for a refund to Nahar Om, providing a clear reason. Since the account opening fee covers several costs associated with starting the account, as mentioned in the first point above, no fees are refunded automatically. Nahar Om will review all refund requests individually.

Patrons understand that completion of all refund procedures initiated by Nahar Om is subject to fulfilment by the relevant third party agencies including banks and payment gateways.