CANCELLATION & REFUND POLICY

This Cancellation & Refund Policy ("Policy") governs all payments made for subscription-based digital services offered on www.bharatbusinessnetworks.com ("Platform"), operated by BRIXTON & Co Consulting, the entity managing Bharat Business Networks ("Company", "we", "us", "our").

By purchasing or subscribing to any plan, you agree to this Policy.

1. NATURE OF SERVICES

Bharat Business Networks provides subscription-based digital access services including but not limited to:

• Business profile visibility
• Credibility badge features
• Lead facilitation tools
• Marketplace participation
• Networking dashboard access
• AI-enabled SaaS features

All Services:

• Are digital and non-tangible
• Are delivered electronically
• Constitute irrevocable digital access services
• Are considered delivered immediately upon activation

1.1 Business / Commercial Use Declaration

The Services are intended strictly for business, professional, and commercial use.

By subscribing, the user confirms that the purchase is made for legitimate business or professional purposes and not for personal consumer use.

2. GENERAL REFUND POLICY

2.1 No Refund After Activation

Once:

• A subscription is activated, OR
• Account access is granted, OR
• A business listing is published, OR
• A credibility badge is issued

The subscription fee shall be non-refundable.

Digital services are deemed delivered upon activation.

No statutory cooling-off period applies once access is granted.

2.2 No Performance-Based Refunds

Refunds shall NOT be granted based on:

• Lack of business leads
• Lead conversion dissatisfaction
• Revenue expectations
• Marketplace visibility dissatisfaction
• User engagement levels
• Perceived business outcomes

The Company does not guarantee commercial success, revenue, or business results.

2.3 No Partial Refunds

The Company shall not be obligated to provide partial refunds for unused subscription periods.

2.4 Duplicate Payments

In case of verified duplicate payment:

• The excess amount will be refunded within 7–10 business days
• Refund will be processed to the original payment method

2.5 Failed Transactions

If payment is debited but subscription is not activated:

• User must notify support within 7 days
• Upon verification, refund will be processed within 7–10 business days
• The Company is not responsible for delays caused by banks or payment processors.

3. SUBSCRIPTION CANCELLATION

3.1 User-Initiated Cancellation

Users may cancel future subscription renewals at any time via:

• Dashboard settings (if available), OR
• Written email to the official support address

Cancellation:

• Stops future billing
• Does NOT entitle the user to refund for the current billing cycle
• Access remains active until expiry date

3.2 Auto-Renewal

Where auto-renewal applies:

• Cancellation must occur before the renewal date
• Renewed subscriptions are non-refundable
• Failure to cancel prior to renewal does not qualify for refund.

4. EMI (EQUATED MONTHLY INSTALLMENT) TRANSACTIONS

If a subscription is purchased using EMI:

• The transaction is treated as full payment to the Company at the time of authorization
• Cancellation of subscription does NOT cancel EMI obligation
• Users remain liable to the lender as per their financing agreement

EMI is:

• Provided by third-party banks/NBFCs
• Governed solely by the lender's terms
• Subject to lender approval criteria

The Company:

• Is not a lender
• Does not provide credit
• Does not influence EMI approval decisions
• Does not control interest rates, foreclosure rules, or penalties

All EMI-related disputes must be resolved directly with the issuing bank or financial institution.

5. NON-REFUNDABLE CASES

Refunds will NOT be provided in cases of:

• Violation of Terms & Conditions
• Account suspension due to misconduct
• Fraudulent activity
• Misuse of credibility badge
• Submission of false business information
• Policy abuse
• Initiation of chargeback without first contacting support

6. PAYMENT DISPUTES & CHARGEBACKS

Users agree to contact the Company before initiating any chargeback or payment dispute.

Initiating a chargeback after accessing the digital Services constitutes:

• Breach of this Policy
• Breach of the Terms & Conditions

Unjustified or fraudulent chargebacks may result in:

• Immediate account suspension
• Permanent termination of access
• Reporting to payment processors
• Legal recovery proceedings

The Company reserves the right to dispute fraudulent chargebacks with payment gateways and financial institutions.

7. EXCEPTIONAL CIRCUMSTANCES

Refunds, if any, may be granted solely at the discretion of the Company in exceptional cases such as:

• Technical errors attributable solely to the Platform
• Service non-activation due to internal system failure

Such decisions shall be final and binding.

8. REFUND PROCESSING TIME

Approved refunds will be processed within:

• 7–10 business days (standard payments)
• As per banking cycle (credit card / EMI transactions)

The Company is not responsible for banking or gateway delays beyond its control.

9. POLICY MODIFICATION

The Company reserves the right to modify or update this Policy at any time.

Continued use of the Platform constitutes acceptance of the revised Policy.

10. GOVERNING LAW & JURISDICTION

This Policy shall be governed by the laws of India.

Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of courts located in Bengaluru, Karnataka.

11. CONTACT INFORMATION

All refund requests must include:

• Registered email ID
• Transaction ID
• Payment date
• Reason for request