Welcome to **SEEAM DIGITAL PRIVATE LIMITED** (“SEEAM DIGITAL,” “Company,” “we,” “us,” or “our”). Thank you for using our website, mobile applications, digital platform, APIs, software and other services (“Services”).

SEEAM DIGITAL PRIVATE LIMITED is located at **Shop No. 54, 55, 56 & 66, 67, 68, 2nd Floor, Keon Square, Opp. Milky Dairy, Chadotar, Gujarat – 385001, India**.

This Refund and Cancellation Policy applies to the Services offered through SEEAM DIGITAL, including AEPS, Aadhaar Pay, Micro ATM, Domestic Money Transfer (DMT), Payout, BBPS bill payments, mobile and DTH recharge, FASTag, PAN Card services, travel services, API services, software services, onboarding, registration and other digital or assisted financial services.

1. General Policy

Before initiating any transaction, users must carefully verify all information, including the beneficiary’s name, bank account number, IFSC code, mobile number, consumer number, DTH account number, vehicle number, PAN details, Aadhaar-related information and transaction amount.

Once a transaction has been successfully processed using the information provided by the user, it cannot ordinarily be cancelled, modified or refunded.

SEEAM DIGITAL shall not be responsible for a successful transaction processed using incorrect, incomplete or outdated information provided by the user.

2. Successful Transactions

No refund or cancellation will be provided for a transaction that is successfully processed and for which the requested service has been delivered.

Successful transactions include, but are not limited to:
* Successful mobile or DTH recharge;
* Successful BBPS bill payment;
* Successful DMT, Payout or bank transfer;
* Successful AEPS, Aadhaar Pay or Micro ATM transaction;
* Successful FASTag recharge;
* Successfully submitted or processed PAN Card application;
* Successfully booked travel service;
* Successfully activated API, software, panel or registration service; and
* Any other digital service successfully delivered to the user.

The user shall remain responsible for verifying all transaction details before confirming a transaction.

3. Failed and Reversed Transactions

If a transaction fails but the amount is debited from the user’s SEEAM DIGITAL Wallet, the amount will normally be reversed automatically to the same wallet after receiving confirmation from the concerned bank, service provider or payment partner.
Most eligible reversals are processed within **24 to 72 working hours**. In certain cases, settlement may take **up to 7 working days**, depending on the bank, payment gateway, biller, network or service provider.
The refunded amount will be credited to the original payment source or SEEAM DIGITAL Wallet, as applicable.

4. Pending Transactions

A transaction marked as **Pending**, **Processing** or **Initiated** cannot be treated as failed until a final status is received from the concerned bank, biller, payment network or service provider.
A pending transaction may subsequently become successful, failed or reversed. Refunds for pending transactions will be processed only after the final failed or reversed status is confirmed.
Users should not repeat a pending transaction unless its final status has been confirmed, as duplicate transactions may be successfully processed.

5. AEPS, Aadhaar Pay and Micro ATM Services

For AEPS, Aadhaar Pay and Micro ATM transactions, the final transaction status provided by the acquiring bank, NPCI network or authorised service provider shall be considered for settlement and refund purposes.
If the amount is debited from the customer’s bank account but cash or the requested service is not delivered, the complaint will be investigated based on the transaction ID, bank reference number or RRN and provider confirmation.
Eligible refunds or reversals will be processed according to the applicable bank or payment network’s dispute and reconciliation timeline.

6. DMT and Payout Services

A successful DMT or Payout transaction cannot be cancelled or reversed after the amount has been credited to the beneficiary’s bank account.
SEEAM DIGITAL shall not be responsible for a successful transfer made to an incorrect bank account because of incorrect beneficiary details provided by the user.
If a transfer fails or is reversed by the bank, the eligible amount will be credited back after confirmation from the bank or service provider. Applicable service charges may be non-refundable where the service provider has already charged them.

7. Recharge, BBPS and FASTag Services

A successful mobile recharge, DTH recharge, FASTag recharge or BBPS bill payment cannot be cancelled or refunded.
No refund will be provided for a successful transaction made using an incorrect mobile number, DTH account, consumer number, operator, biller or vehicle number entered by the user.
If payment is debited but the recharge or bill payment fails, the amount will be reversed after confirmation from the operator, biller or service provider.

8. PAN Card, Registration and Assisted Services

Fees paid for PAN Card applications, corrections, reprints, registrations, onboarding, KYC assistance or other assisted services are non-refundable once the application has been submitted or processing has commenced.
Applications rejected or delayed because of incorrect information, invalid documents, incomplete KYC, applicant ineligibility or issues attributable to the applicant will not qualify for a refund.
Government fees, service-provider charges, convenience fees and processing charges may be non-refundable.

9. API, Software and IT Services

Activation, integration, setup, development, customisation, hosting, maintenance, technical support, API, software, admin panel, white-label and related service fees are non-refundable once access has been provided or work has commenced.
Any additional modification, customisation or work outside the agreed scope may be subject to additional charges.
Fees charged by third-party providers shall be governed by their respective terms, timelines and refund policies.

10. Registration, Membership and Franchise Fees

Registration, membership, retailer, distributor, master distributor, API partner, white-label, admin panel and franchise fees are non-refundable once the account or service has been activated.
Failure to use an activated account or service will not create an entitlement to a refund.
If SEEAM DIGITAL is unable to activate the purchased service, the request will be reviewed, and an eligible refund will be processed after deducting any applicable third-party or processing charges.

11. Wallet Balance and Wallet Loading

Amounts credited to the SEEAM DIGITAL Wallet are intended to be used for Services available through the platform.
Transaction refunds, commissions, incentives and promotional credits added to the wallet may not be withdrawable or transferable unless specifically permitted by SEEAM DIGITAL.
A request concerning an accidental or duplicate wallet payment will be reviewed subject to payment verification, KYC verification, transaction history and applicable banking or payment-provider rules.
Any approved refund will be processed to the original payment source wherever technically possible. Applicable payment-gateway charges, bank charges, taxes or processing charges may be deducted.
No interest shall be payable on any amount maintained in the SEEAM DIGITAL Wallet.

12. Duplicate Payments

If the same payment is debited more than once for a single transaction, the user must report it with relevant transaction details.
After verification, an eligible duplicate amount will be refunded to the original payment source or credited to the SEEAM DIGITAL Wallet, as applicable.

13. Cancellation of Service Orders

A cancellation request may be considered only if:
* The request is submitted before processing begins;
* The service has not been activated, submitted or delivered;
* No third-party cost has been incurred; and
* Cancellation is technically and operationally possible.
Once a transaction, application, booking, integration, activation or service order has been processed, it cannot be cancelled.
If cancellation is approved, the eligible amount will normally be refunded within **7 to 15 working days** after deducting applicable charges.

14. Non-Refundable Charges

The following charges may be non-refundable:
* Transaction and convenience fees;
* Payment gateway and bank charges;
* Government and statutory fees;
* Taxes already deposited or invoiced;
* API activation and integration charges;
* Software development, setup and customisation charges;
* Registration, onboarding and verification charges;
* Third-party service-provider charges; and
* Charges relating to successfully delivered services.

15. How to Request a Refund or Raise a Dispute

To request a refund or raise a transaction dispute, email us at **[info@seeamdigital.in](mailto:info@seeamdigital.in)** or raise a support ticket through your SEEAM DIGITAL login panel.
The request should include:
* Registered name and mobile number;
* User, retailer or merchant ID;
* Transaction ID or order ID;
* Bank reference number or RRN, if available;
* Transaction date and amount;
* Name of the service used;
* Screenshot or proof of debit; and
* A brief description of the issue.
Incomplete requests may require additional verification and may take longer to resolve.

16. Refund Processing Time

After a refund is approved, SEEAM DIGITAL will initiate it within the applicable timeline. The time required for the amount to appear in the user’s bank account, card, UPI account or wallet may vary depending on the bank, payment gateway or service provider.
SEEAM DIGITAL shall not be responsible for delays caused by banks, payment gateways, billers, payment networks, government portals or third-party service providers.

17. Fraudulent or Unauthorised Claims

SEEAM DIGITAL reserves the right to reject a refund request involving suspected fraud, misuse, false information, manipulated evidence, unauthorised access or violation of the platform’s Terms and Conditions.
Accounts involved in suspicious activity may be temporarily restricted while the matter is investigated.

18. Grievance and Contact Information

For refund-related questions, complaints or grievances, please contact:
**Grievance Officer:** Mavjibhai Mafabhai Chelana
**Company:** SEEAM DIGITAL PRIVATE LIMITED
**Address:** Shop No. 54, 55, 56 & 66, 67, 68, 2nd Floor, Keon Square, Opp. Milky Dairy, Chadotar, Gujarat – 385001, India
**Email:** info@seeamdigital.com
**Phone:** +91 9638022311

19. Changes to This Policy

SEEAM DIGITAL PRIVATE LIMITED reserves the right to amend this Refund and Cancellation Policy to reflect changes in its Services, business operations, applicable requirements or service-provider terms.
Any updated policy will be published on the website with the revised effective date. Users are advised to review this policy periodically. Continued use of the Services after an update shall constitute acceptance of the revised policy.