A transaction that fails for a reason that it is directly attributable to Payy online services, and for which the user receives a corresponding confirmation from the associated payment gateway will be refunded automatically back to the account of the user in a time period of 3 to 21 working days, from the date on which the original transaction has taken place. A confirmation email will also be sent to the email ID of the user registered with us. Please note that the amount pertaining to the applicable taxes and the payment gateway charges will not be refunded. In cases in which the user receives the successful payment completion confirmation but does not get the services, the user is required to register a complaint with Payy online services. This complaint can be logged by the user by sending an email to the Customer Care email ID provided on the website. We will conduct a complete inquiry upon receiving the complaint registered by the user. Refund of the payment will be provided to the user account on the basis of results of the inquiry. Please note that in all cases, the liability of Payy online services is restricted only to provide a valid refund to the extent of the payment received by us. Payy online services is not responsible for any consequential liability or claim that may be associated with the failure of the services of our system. A user should accept that the Payy online services refund policy is subject to the stated terms and conditions of the user agreement of the website. We thank you for transacting with us and look forward to a bright and successful future for our partnership.