1. Application and Parties
References in this Policy to "you" or "Reseller" mean the registered reseller who has made a payment to Simco Ventures through the Platform, whether via the Cashfree payment gateway or by direct bank transfer with UTR confirmation. Merchants — being the end businesses for whom a Page is created — are not party to any payment relationship with Simco Ventures and accordingly have no standing to make a refund request under this Policy; any commercial arrangement between a Reseller and a Merchant, including pricing charged by the Reseller to the Merchant, is outside the scope of this document.
2. Nature and Timing of Service Delivery
The Platform is designed to deliver its core service — generation and publication of a Merchant Page — on an immediate, on-demand basis following confirmation of an Order and successful receipt of the corresponding payment. In the ordinary course, a Page is generated and published live within minutes of payment being confirmed. Because the service is, in the ordinary course, rendered in full and without material delay at the point of payment, fees paid in respect of an Order that has resulted in a successfully created and published Merchant Page are treated as earned by Simco Ventures upon such publication, and are, save as set out in Section 3 below, not refundable.
3. Circumstances in Which a Refund or Credit Is Available
Notwithstanding Section 2, Simco Ventures will provide a full refund, or, at the Reseller's election, an equivalent account credit, in each of the following circumstances:
- payment was successfully collected by Simco Ventures but the corresponding Merchant Page was not, due to a fault, error, or failure attributable to the Platform, successfully created and published;
- the Reseller was charged more than once in respect of what was, in substance, the same single Order (a duplicate payment);
- the Reseller was charged an amount in excess of the fee properly applicable to the Order in question, owing to a pricing or billing error on the part of Simco Ventures.
4. Circumstances in Which a Refund Is Not Available
Save as set out in Section 3, a refund will not ordinarily be available in circumstances including, without limitation, the following: (a) the Merchant Page was successfully created and published in accordance with the information supplied at the time of the Order, and the Reseller or the Merchant subsequently changes their mind about proceeding; (b) inaccurate, incomplete, or unauthorised business information was supplied by the Reseller, and the Page was generated on the basis of that information as supplied; (c) the commercial arrangement between the Reseller and its Merchant customer does not proceed or is terminated, for any reason, after the Page has already been created; or (d) a Page has been suspended for non-renewal following expiry of its fifteen-month Validity Period — the renewal fee required to restore such a Page is a separate charge and is not a refund of, or substitute for, the original Order fee.
5. Procedure for Requesting a Refund
A Reseller wishing to make a request under Section 3 should, within seven (7) days of the disputed charge, write to support@simcoz.com, quoting: (a) the Reseller Code associated with the account; (b) the Order ID or payment reference in question; and (c) a brief description of the basis for the request. Simco Ventures will endeavour to acknowledge such a request within two (2) business days and to provide a substantive response, including the outcome of its review, within a further three (3) business days thereafter. Simco Ventures reserves the right to request reasonable supporting information, such as a screenshot or transaction reference, to verify a request.
6. Method and Timing of Refund Processing
Where a refund is approved, it will be processed to the original payment method used for the transaction, via the Cashfree payment gateway, and will ordinarily reflect in the Reseller's account within five (5) to seven (7) business days thereafter, subject to the processing timelines of the Reseller's own bank or card issuer, which are outside the control of Simco Ventures. Where the original payment was made by direct bank transfer, any approved refund will be remitted to the same source bank account from which the transfer originated. Where a Reseller elects to receive an account credit in lieu of a monetary refund, such credit will be applied to the Reseller's account and may be used against future Order fees.
7. Currency and Deductions
All amounts referred to in this Policy are denominated in Indian Rupees (₹). Where a refund is processed through a third-party payment gateway, any transaction or gateway charges that are non-recoverable by Simco Ventures from that gateway may, where permitted under Applicable Law, be deducted from the refunded amount; Simco Ventures will disclose any such deduction to the Reseller at the time the refund is processed.
8. Relationship to Other Policies
This Refund Policy operates in conjunction with, and does not limit or override, any right or remedy separately available to a Reseller under the Terms & Conditions, the Privacy Policy, or Applicable Law, including any statutory consumer protection right that cannot lawfully be excluded by agreement.
9. Amendments to This Policy
Simco Ventures may revise this Policy from time to time by posting an updated version on the Platform. The version in force at the time a payment is made shall govern that payment; the date at the foot of this page indicates when this Policy was last revised.
10. Contact
Questions regarding a specific charge, or requests for a refund under this Policy, should be directed to support@simcoz.com, or in writing to Simco Ventures, 222, SVP Nagar, Four Bungalows, Andheri (West), Mumbai 400053, Maharashtra, India.