Refund Policy

• Multiple debits of the Customer's Card/Bank Account due to a technical error, or the Customer's account being debited with an excess amount in a single transaction due to a technical error. In such cases, the excess amount, excluding applicable Payment Gateway charges, may be refunded to the Customer.
• Due to a technical error, payment being charged to the Customer's Card/Bank Account but the intended service or enrolment being unsuccessful. In such circumstances, the Customer may be provided the service or enrolment at no additional cost, where applicable. If the Customer wishes to seek a refund, the refundable amount may be processed after deduction of Payment Gateway charges or any other applicable charges.

The Customer will have to make an application for refund along with the transaction number and the original payment receipt, if any, generated at the time of making the payment.

The application in the prescribed format should be sent to PAY IN TIME / PayInTime.

The application will be processed manually and, after verification, if the claim is found valid, the amount received in excess will be refunded to the applicant through electronic mode.

Confirmation will be sent to the mailing address provided during the relevant registration or transaction process, within a period of 21 calendar days from receipt of such claim.

Depending on the Customer's bank or payment service provider, it may take approximately 3–21 days for the refunded amount to appear in the Customer's bank account.

Company assumes no responsibility and shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to any one or more of the following circumstances:

• If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, invalid or delayed.
• If the Payment Account has insufficient funds or limits to cover the amount specified in the Payment Instruction(s).
• If the funds available in the Payment Account are under any encumbrance or charge.
• If your Bank or the applicable payment network refuses or delays honoring the Payment Instruction(s).
• Circumstances beyond the control of Company, including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure, computer or telephone line breakdown due to an unforeseeable cause, or interference from an outside force.
• In case the payment is not effected for any reason, you will be intimated about the failed payment by e-mail, where applicable.

User agrees that Company, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate his/her account, or any part thereof, or use of the Services, and remove or discard all or any part of his/her account, user profile, or recipient profile, at any time.

Company may also, in its sole discretion and at any time, discontinue providing access to the Services, or any part thereof, with or without notice.

User agrees that any termination of access to the Services or any account, or portion thereof, may be effected without prior notice and also agrees that Company will not be liable to User or any third party for any such termination.

Any suspected fraudulent, abusive or illegal activity may be referred to the appropriate law enforcement authorities. These remedies are in addition to any other remedies Company may have at law or in equity.

Upon termination for any reason, User agrees to immediately stop using the Services.

Company may elect to resolve any dispute, controversy or claim arising out of or relating to this Agreement or any Service provided in connection with this Agreement by binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 .

Any such dispute, controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party.