Payment, Refund & Cancellation Policy

1. Introduction
This Payment Policy describes how payments, refunds, cancellations, and settlements are handled on our platform (“Nomvara”).
 We use Razorpay as our payment gateway, which is PCI-DSS compliant and ensures all transactions are secure and encrypted.
2. Payment Collection
  1. Customers can pay using Credit Cards, Debit Cards, Net Banking, UPI, Wallets, and other methods supported by Razorpay.
  2. All payments are processed securely via Razorpay.
  3. Full payment is required at the time of placing the order/service request unless specifically mentioned otherwise.
  4. Upon successful payment, customers will receive an SMS/Email/App Notification confirmation.
3. Commission & Split Settlement (If Applicable)
  1. The platform acts only as an aggregator/bridge between customers and vendors/sellers/service providers/societies.
  2. The payment received from the customer is settled to the respective vendor/service-provider as per Razorpay’s settlement cycle.
  3. Any applicable commission, platform fee, or convenience fee is displayed to the customer before completing the transaction.
  4. Split Settlement (if enabled) is processed automatically through Razorpay.
4. Refund Policy
4.1 Customer-Initiated Refund
Refunds can be requested in the following cases:
  1. Wrong payment or duplicate transaction
  2. Payment failure but amount deducted
  3. Service not delivered (subject to vendor confirmation)
Refund Conditions:
  • Refund request must be raised within 24 hours of the transaction.
  • Approved refunds will be processed within 5–7 business days to the original payment method.
4.2 Non-Refundable Transactions
The following are strictly non-refundable:
  • Maintenance charges, dues, subscription fees
  • Consumable items (food, groceries, perishable goods)
  • Donations or voluntary contributions
  • Delivery, platform, or convenience charges
  • Completed or availed services
4.3 Vendor-Linked Refunds
If a product or service is vendor-fulfilled, refunds are processed only after vendor approval and follow their policies.
5. Cancellation Policy
  1. Cancellation is allowed only if the order/service request has not yet been processed or started.
  2. Once the vendor has prepared, dispatched, or delivered the product/service, cancellation is not permitted.
  3. Digital or non-returnable items cannot be canceled under any circumstances.
  4. If cancellation charges apply, they will be deducted from the refundable amount.
6. Settlement to Vendors / Societies / Partners
  1. All settlements are processed according to Razorpay’s standard settlement cycle (T+1/T+2 business days).
  2. Settlement delays may occur due to bank holidays, technical issues, or verification processes.
  3. Vendors are responsible for providing accurate bank details for settlements.
7. Chargeback & Dispute Resolution
  1. Customers may raise chargebacks with their bank/card issuer for unauthorized transactions.
  2. Chargebacks are reviewed by Razorpay and the respective bank.
  3. Vendors may be asked to provide supporting documents for dispute resolution.
  4. The final decision lies with the bank/payment gateway and is binding.
8. Security & Fraud Prevention
  1. All transactions are processed through Razorpay’s PCI-DSS Level 1 secure infrastructure.
  2. The platform is not responsible for phishing, fraud, or third-party scams.
  3. Suspicious transactions may be blocked or cancelled at our discretion to prevent misuse.
9. Grievances & Support
For any payment, refund, cancellation, or settlement-related queries:
📧 support@nomvara.in

⏱ Support Timings: 10 AM – 5 PM (Mon–Fri)
10. Disclaimer
  • Our platform acts only as a facilitator/bridge/aggregator between customers and vendors/service providers.
  • We are not responsible for quality, quantity, delivery delays, vendor behavior, or service/product issues.
  • By making a payment, the customer accepts and agrees to this policy.