REFUND AND CANCELLATION POLICY

1. Scope and Acceptance 
This Refund and Cancellation Policy (“Policy”) sets out the terms and conditions governing cancellations and refunds in relation to the purchase of digital gift vouchers / gift cards / e-codes (collectively, “Vouchers”) through the website https://united-digital.co.in (“Platform”) operated by UNITED DIGITAL TECHNOLOGIES PRIVATE LIMITED (“Company”, “we”, “us” or “our”). 
By placing an order for any Voucher on the Platform, you (“User” or “you”) acknowledge that you have read, understood and agreed to be bound by this Policy in addition to the Terms of Use and the terms and conditions of the respective issuing brand, merchant or service provider (“Brand Partner”).

2. Nature of Transactions – No Wallet / No Stored Value 
Each successful transaction on the Platform results in the immediate issuance of specific Voucher(s) selected by you, subject to the applicable Brand Partner terms. The Platform does not provide any wallet, stored-value account or facility to hold, save, transfer or withdraw funds. Amounts paid are applied only towards the purchase of the selected Voucher(s), and there is no residual “balance” maintained with the Company.

3. General Rule – No Cancellation / No Refund after Issuance 
Once a Voucher has been successfully issued and delivered (including by e-mail, SMS, in-account display or any other agreed delivery mode), orders are generally non-cancellable and non-refundable. You are therefore requested to verify all details, including email / mobile number, denomination, brand, and intended recipient, before confirming your order.

4. Limited Exceptions – When Refunds or Re-issuance May Be Considered 
Subject to verification and in the Company’s sole discretion, refunds or re-issuance of Vouchers may be considered in the following limited scenarios:

• 4.1 Failed Issuance 
The amount has been debited from your payment instrument but, due to a technical failure attributable to the Company or its service providers, the Voucher has not been generated or delivered within 5 minutes of the transaction and cannot be issued even after reasonable attempts at rectification.

• 4.2 Invalid or Non-Redeemable Voucher at First Use 
The Voucher delivered to you is reported as invalid or non-redeemable on first use and such issue is confirmed by the Company and/or the relevant Brand Partner (for example, due to a code mapping error or technical failure). In such cases, at our discretion, we may either re-issue a new Voucher of the same value and Brand Partner or process a refund.

• 4.3 Duplicate Charge 
You have been inadvertently charged twice for the same Voucher order due to a technical error on the Platform or at the payment gateway, and you have received either (a) only one valid Voucher; or (b) multiple identical Vouchers and request cancellation of the excess Voucher(s) which are unused and not shared / disclosed to any third party.

• 4.4 Regulatory / Legal Requirement 
Refunds or cancellations are required to comply with applicable law, regulatory directions, card-network rules, or by order of a competent authority.

5. Cases Where No Refund or Cancellation Will Be Provided 
Without prejudice to the general rule in Clause 3 above, no refund or cancellation shall be provided, including but not limited to the following situations:

• 5.1 Voucher Used or Partially Used 
The Voucher has already been redeemed, whether in full or in part, as per records of the Brand Partner or its systems.

• 5.2 Voucher Expired 
The Voucher has expired based on the validity period clearly mentioned on the Voucher or on the Platform at the time of purchase.

• 5.3 Incorrect Details Provided by User 
The Voucher has been delivered to an email address or mobile number, or in an account, provided or confirmed by you and is subsequently lost, misused or accessed by an unintended recipient due to your error.

• 5.4 Dissatisfaction with Underlying Goods / Services 
Dissatisfaction with, or deficiency in, the goods or services supplied by the Brand Partner upon redemption of the Voucher. Such issues must be taken up directly with the Brand Partner, and the Company shall have no responsibility or liability in this regard.

• 5.5 Violation of Brand Partner Terms / Misuse 
The Brand Partner declines redemption or cancels the Voucher due to suspicion of fraud, misuse, breach of its own terms and conditions, or other reasons attributable to you.

• 5.6 Change of Mind / Wrong Choice 
You no longer wish to use the Voucher, selected the wrong Brand Partner or denomination, or otherwise “changed your mind” after issuance.

6. Process for Raising a Refund / Cancellation Request 
If you believe that your case falls within the exceptions listed in Clause 4, you must contact our support team or Grievance Officer within 45 days of the transaction or becoming aware of the issue (whichever is earlier) by using the following channel(s): 
E-mail: support@united-digital.co.in 
Subject line: “Refund / Issue – Order ID XXXXXXXX” 
Your request must at a minimum contain:

• your full name and contact details; 
• Order ID / transaction reference number; 
• date and time of transaction; 
• payment method used (e.g., card, UPI, net-banking); 
• Voucher details (brand, denomination, delivery channel); 
• clear description of the issue and reason for the request; and 
• supporting evidence such as screenshots, error messages, or communications with the Brand Partner, if available.

We may contact you to seek additional information or documents as we reasonably require to investigate and process your request.

7. Review, Decision and Timelines 
Upon receipt of a complete request, we will conduct an internal review, which may include co-ordination with payment gateways and/or the relevant Brand Partner, as applicable. We will endeavour to communicate our decision (approval, partial approval, rejection, or request for further information) within 5 working days from the date of receipt of all requisite details. 
Our decision in this regard shall be final and binding, without prejudice to any legal rights you may have under applicable law.

8. Mode of Refund (Where Granted) 
Where a refund is approved, we will, as far as reasonably practicable, seek to process the refund using the same payment method that was used by you for the original transaction (for example, card, UPI, net-banking), subject to the rules and processes of the relevant banks, card networks and payment gateways. 
Processing times for the credit of refunds into your account are not within our control and will depend on your bank, card issuer or payment service provider. We shall not be responsible for any delays attributable to them.

9. No Encashment, No Withdrawal 
Refunds, where approved, are limited strictly to reversal of the original purchase transaction or issuance of a replacement Voucher. Under no circumstances shall any Voucher or residual value be:

• encashed or redeemed for money or monetary equivalent; 
• transferred to or retained in any wallet, stored-value facility or account; or 
• withdrawn as cash or transferred to another person, except as permitted by the Brand Partner’s own terms (for example, gifting functions in their ecosystem).

10. Errors, Chargebacks and Disputes with Payment Providers 
If you believe that an unauthorised transaction has been made from your payment instrument or there is a discrepancy in the amount charged, you should also contact your bank / card issuer / payment service provider immediately, in addition to informing us. Resolution of such disputes may be subject to the rules of card networks, banks and payment gateways. Any chargebacks initiated by you will be handled in accordance with their applicable rules and procedures, and we reserve the right to provide relevant transaction records and correspondence to support our position.

11. Contact for Support and Grievance Redressal 
For any queries, support requests or complaints relating to refunds, cancellations or transactions, you may contact:

Customer Support: support@united-digital.co.in 
Grievance Officer: United Digital, Golden Square, Eden Park 20 Vittal Mallya Road Bangalore G.P.O., Bangalore North Bangalore – 560001 Karnataka India, Email: support@united-digital.co.in, Phone: 1-647-560-4962

12. Amendments to this Policy 
We reserve the right to modify, amend or update this Policy at any time, at our sole discretion. The latest version will be made available on the Platform and will specify the date of last update. Any changes shall be effective immediately upon posting on the Platform and will apply prospectively to transactions made thereafter. Your continued use of the Platform after such posting shall constitute your acceptance of the revised Policy.

13. Governing Law and Dispute Resolution 
This Policy shall be governed by and construed in accordance with the laws of India, without reference to its conflict of law principles. Any disputes arising out of or in connection with this Policy shall be dealt with in accordance with the dispute resolution / arbitration and jurisdiction clause set out in the Platform’s Terms of Use.