Refund & Returns Policy

This Refund & Returns Policy (the "Refund Policy" or "Policy") sets forth the contractual conditions for refunds, order cancellations, and returns for purchases made from IdentiQ ("Company").

Under applicable consumer protection laws (including EU consumer rights directives where applicable), digital products and instantly provisioned SaaS services fall under immediate execution terms. By purchasing a subscription plan, you explicitly request that the service execution begins immediately and acknowledge that you waive your statutory **Right of Withdrawal** once the digital provision of service has commenced.

To ensure client satisfaction, the Company provides a limited refund window for subscription plan services:

• First-time Plan Enrollments: Customers are eligible to request a full refund within **seven (7) calendar days** of the initial subscription purchase (the "Subscription Grace Period"). Requesting a refund during this grace period will result in immediate plan termination and reversion of profiles to the FREE tier.
• Recurring Billing Renewals: Renewal charges (whether billed on a monthly or annual cycle) are **strictly non-refundable**. You are solely responsible for cancelling your subscription via your Account Dashboard prior to the renewal date.
• Enterprise and Multi-User Contracts: Custom enterprise contracts, customized realtor packages, or invoices settled via bank wire are governed exclusively by their respective signed service agreements and are not eligible for standard 7-day refunds.

Refund eligibility for physical Near Field Communication (NFC) cards is strictly determined by the customization state of the product:

If a physical NFC card is delivered physically damaged, exhibits printing errors deviating from submitted mockups, or fails to scan due to an internal chip defect:

You must notify our support department within **seven (7) calendar days** of order delivery. You must provide clear photographic or video evidence demonstrating the product damage or functional failure. Upon validation of the defect, the Company will, at its sole discretion, either reprint and ship a replacement card free of charge or issue a full refund.

Approved refunds will be processed using the original payment gateway (PayU) back to the payment instrument used at checkout.

Refund arrival times depend on bank clearances, typically requiring **five (5) to ten (10) business days** to credit your account. The Company is not responsible for gateway processing fees or currency conversion differentials applied by your card issuer during reversals.

Any disputes or refund claims arising under this Policy shall be governed by and construed in accordance with the laws of India. You agree to submit to the exclusive jurisdiction of the courts located in Kolkata, West Bengal, India for the resolution of any legal actions or claims.

To request a subscription refund, initiate a blank card return, or report a defective NFC card, you must obtain a formal **Return Merchandise Authorization (RMA)** number. Returns shipped without an authorized RMA number will be rejected.