Refund Policy

1. Scope of This Policy

This policy applies to payments collected by MAHIMA ENTERPRISES for digital document access, PDF view/download access, paid services, subscriptions, premium features, user account-based access, or any other paid facility available on Raj E Panchayat.

Payments may be processed through an authorized payment gateway, acquiring bank, or payment partner.

2. Digital Service Nature

Raj E Panchayat provides digital services and document access. Once a paid document, PDF, download, service, or premium feature is successfully delivered, opened, viewed, downloaded, or made available to the user account, refund may not be available except in valid cases described in this policy.

3. Refund May Be Approved In These Cases

• Duplicate payment for the same service or same order.
• Payment deducted but service/access not activated.
• Payment successful but document or paid service was not delivered due to confirmed technical error.
• Wrong amount charged due to website-side/system error.
• Payment marked successful by gateway but order failed in Raj E Panchayat system.
• Service was unavailable due to a confirmed website-side issue.
• Any other valid case approved by Raj E Panchayat after review.

4. Refund May Be Rejected In These Cases

• User has already viewed, downloaded, opened, or used the paid document/service.
• User purchased the wrong service, wrong document, or wrong access due to personal mistake.
• User shared account, download link, token, private URL, or paid access with another person.
• User attempted to bypass payment, modify URL/token, directly access protected files, or misuse the system.
• User submitted wrong email, mobile number, profile details, or payment information.
• The requested information/document was available but user did not use it.
• User expected government approval, benefit, certificate, sanction, or official service confirmation from Raj E Panchayat payment.
• Delay or failure occurred due to bank, UPI, card issuer, payment gateway, network, or user-side issue.
• Refund request is made after the allowed request period.
• Misuse, fraud, spam, or suspicious activity is found.

5. Refund Request Time Limit

Users should submit refund requests within 7 days from the payment date. Refund requests submitted after 7 days may be rejected unless Raj E Panchayat finds a genuine duplicate payment or confirmed technical delivery issue.

6. How to Request a Refund

To request a refund, users must contact Raj E Panchayat support with the following details:

• Full name
• Registered email address
• Registered mobile number
• Payment date and paid amount
• Payment gateway payment ID, bank reference, UPI transaction ID, or transaction ID
• Order ID, if available
• Reason for refund
• Screenshot or proof of payment, if available

7. Refund Review Process

After receiving a request, Raj E Panchayat may verify payment status, order status, user account details, service/document access status, view/download logs, duplicate payment status, technical error, and any misuse or unauthorized access attempt.

Raj E Panchayat reserves the right to approve or reject refund requests based on verification.

8. Refund Processing Time

Raj E Panchayat is not responsible for delays caused by bank, UPI provider, card issuer, payment gateway, or other third-party systems.

9. Failed, Pending, and Duplicate Payments

If payment is deducted but not confirmed on Raj E Panchayat, users should first wait for bank/payment gateway confirmation. Failed or pending payments may be automatically reversed by the bank or gateway.

If a user is charged more than once for the same order or same service, Raj E Panchayat may refund the duplicate payment after successful verification.

10. No Cash Refund

Refunds will not be provided in cash. Approved refunds will generally be processed to the original payment source or through another method decided by Raj E Panchayat where necessary.

11. Contact for Refund