Refund & Cancellation Policy

This document is an electronic record under the Information Technology Act, 2000 and rules made thereunder. Arnixy Fintech Pvt Ltd ("Arnixy"), registered office at Shop No. 23, 1st Floor, Astha City Centre, Sakchi, East Singhbhum, Jamshedpur, Jharkhand, India, 831001, owns and operates this website, software panel and APIs (the "Platform"). This policy governs the terms under which refunds may be issued for services accessed through the Platform. By using our services, you agree to be bound by this policy.

1. Eligibility for a refund

Refunds are considered only in the following circumstances:

• The service purchased or subscribed to was not delivered as described.
• A technical failure prevented use of the service, and the issue could not be resolved within a reasonable time.
• A duplicate or erroneous charge occurred due to a system or processing failure attributable to Arnixy.

All refund requests must be raised within 7 days of the transaction, along with valid proof of payment.

2. What isn't refundable

• Services already delivered or utilised successfully — including completed AEPS, bill payment, recharge, PAN, account opening or insurance transactions.
• Fees charged by third-party banks, billers, insurers or payment gateways.
• Change of mind or self-initiated cancellation after a service or API access has been activated.
• Transaction failures caused by incorrect information supplied by the user or reseller.

3. How to request a refund

Email arnixinfotechpvtltd@gmail.com with the following details:

• Registered name and business name
• Transaction ID / order ID
• Date of the transaction
• Reason for the refund request

Arnixy reserves the right to verify the authenticity of the request before processing it.

4. Processing time

Approved refunds are credited to the original mode of payment or wallet within 5–10 business days, subject to banking and payment-gateway timelines.

5. Partial refunds

In certain cases, Arnixy may issue a partial refund based on the extent of service already utilised. Such decisions are final and binding.

6. Amendments

Arnixy reserves the right to amend this policy at any time without prior notice. Please review it periodically.

7. Contact & grievance redressal

In accordance with the Information Technology Act, 2000 and rules made thereunder, you may reach us at:

Arnixy Fintech Pvt Ltd
Shop No. 23, 1st Floor, Astha City Centre, Sakchi, East Singhbhum, Jamshedpur, Jharkhand, India, 831001
Email: arnixinfotechpvtltd@gmail.com
Phone: +91 99554 90170

Any dispute relating to refunds is governed by the laws of India and subject to the exclusive jurisdiction of the courts at Jamshedpur, Jharkhand.