Refund, Cancellation & Failed Transaction Policy
Prosper Professional Development Life Private Limited
www.safalsevakendra.inEffective Date: 29 October 2026
Last Updated: 29 October 2026
Purpose and Scope
This policy explains how cancellation, refunds, duplicate payments, failed transactions and non-delivery issues are handled for gift cards and vouchers purchased through www.safalsevakendra.in, operated by PROSPER PROFESSIONAL DEVELOPMENT LIFE PRIVATE LIMITED ("Prosper"). It should be read with the Website Terms & Conditions, Gift Card & Voucher Policy and product-specific issuer terms.
Actual refund eligibility and processing may depend on the product issuer, bank/PPI partner, merchant, payment provider, signed partner agreements and applicable law. This policy does not override mandatory legal rights.
General Cancellation Rule
Gift cards and vouchers are digital products that may be generated or redeemed irreversibly. Once a valid voucher/card has been issued and successfully delivered, an order is generally not cancellable and the product is generally not refundable, except where required by applicable law or permitted by the product issuer's terms. Customers should review the brand, denomination, price, validity, redemption conditions and restrictions before confirming an order.
Situations That May Qualify for a Refund or Reversal
A refund or reversal may be considered after verification in the following situations:
- Payment was debited but the order failed and no gift card/voucher was issued.
- The same order was charged more than once and the duplicate transaction did not result in a separate valid product delivery.
- A verified technical or fulfilment error resulted in non-delivery or an unusable product.
- A refund is required by applicable law or the specific issuer/product terms.
Each request is reviewed individually. Submission of a request does not automatically guarantee approval.
Situations Generally Not Eligible
Subject to applicable law and issuer terms, refunds are generally not available where:
- A valid gift card/voucher has been issued and delivered successfully and the customer changes their mind.
- The customer selected the wrong brand, denomination or product.
- A voucher code, PIN, QR code or redemption link has been disclosed, copied, lost, stolen or redeemed after delivery, unless the facts or applicable law require otherwise.
- The customer did not redeem the voucher before its expiry date.
- A merchant refuses redemption because the customer has not complied with the product's published terms.
How to Submit a Refund Request
Email anup.rai@safalsevakendra.in and include the following details:
- Order ID or transaction/reference number.
- Purchase date and approximate time.
- Amount paid and payment reference/UTR, if available.
- Product/brand and denomination.
- A short description of the issue.
- Relevant receipt or screenshot, with sensitive information masked.
Review and Processing
Prosper will review the information and, where necessary, coordinate with the issuing partner, bank/PPI issuer, merchant or payment provider. Eligible refunds will generally be initiated to the original payment source where feasible, or handled through the applicable payment-provider process. Actual credit timelines depend on the bank, payment provider and issuer. Where a payment was authorised but not captured, the transaction may be released/voided rather than refunded. Any timeline specifically required by applicable law or the relevant issuer/payment provider will apply.
Failed, Pending or Delayed Transactions
If payment is debited but the order status remains failed, pending or the product is not delivered, customers should avoid placing repeated orders immediately. First check the order status and contact support with the transaction reference.
Prosper will verify payment and fulfilment status with the relevant service provider. If no product was issued and the payment was captured, the eligible reversal/refund will be handled in accordance with applicable law and partner/payment-provider procedures.
Duplicate Payments
If you believe you were charged more than once for one order, email the details of each transaction. After verification, duplicate charges that did not result in a separate valid product delivery may be considered for reversal/refund.
Suspected Fraud or Unauthorised Transactions
Report suspected unauthorised transactions promptly to anup.rai@safalsevakendra.in. Do not include OTPs, passwords, full card details or complete voucher codes in the email.
If a bank account or payment instrument may be compromised, contact the relevant bank/payment provider immediately through its official channel.
Chargebacks and Disputes
Customers should provide accurate information when raising a dispute. Prosper may share relevant order and transaction records with the issuer, payment provider or competent authority as permitted or required by law. This policy does not restrict any dispute or chargeback right available under applicable law or the customer's payment-provider rules.
Contact
For refund, cancellation, failed-payment or delivery assistance, contact only the following email address:
anup.rai@safalsevakendra.inPolicy Updates and Applicable Law
Prosper may update this policy to reflect product, partner, operational or legal changes. The latest version and effective date will be published on the Website. This policy is governed by the laws of India, subject to mandatory consumer rights and statutory remedies. Nothing in this policy excludes rights or remedies that cannot lawfully be excluded.
Before Publishing — Checklist
Complete these checks before making this policy public.
- Insert the effective date.
- Confirm the policy matches each bank/PPI issuer and payment-provider agreement.
- Check statutory refund and failed-transaction timelines applicable to the actual payment flow.
- Publish links to this policy and the relevant product issuer's terms before checkout.
- Obtain Indian legal/compliance review before publication.
Need Help With a Refund?
For refund, cancellation, failed-payment or delivery assistance, email our support contact with your order or transaction reference. Never include passwords, OTPs, CVV or complete voucher PINs.
anup.rai@safalsevakendra.in