Refund, if any, shall be made at the same issuing bank through which the Product/Service was purchased. For cash on delivery transactions, the Member has the option to receive the refund in any bank account via NEFT and it is the responsibility of the Member to share the valid bank details to avail the said return.

For payments made through electronic means like debit card, credit card, net banking, wallet etc. refund shall be made using the same payment mode.

On request from the Member, SparshMedia is liable to provide ARN (Acquirer Reference Number) or UTR (Unique Transaction Reference Number) to the Member for refunds made to the Member. However, in an event of non-receipt of such a refund in the designated Bank Account it will be the responsibility of the Member to provide SparshMedia with the set of documents required to support the claim of non-receipt. SparshMedia through its payment’s service provider shall, initiate the refund procedure post satisfactory verification of the documents provided by the member.

If a member chose to avail Merchant Credit in lieu of refund, such credit will be available for use by the Member for a period of (45) forty-five days. Post such period, the merchant credit will lapse and hence would not be usable for any future payments by the Member.