This Cancellation & Refund Policy (the “Policy”) explains how ISHMART TECHNOGLOBAL SERVICES PRIVATE LIMITED (“Ishmart”, “Company”, “we”, “our”, or “us”) handles cancellations, refunds, failed or incomplete payments, chargebacks, and related requests for products and services made available through our websites, applications, APIs, dashboards, merchant tools, and other digital channels (together, the “Platform”).
By accessing or using the Platform, you confirm that you have read this Policy together with our Terms of Service and Privacy Policy, and that you agree to follow them. If you do not agree, you should not use the Platform.
This document is a business policy statement. It is not legal advice. Service-specific partner rules, banking circulars, and applicable Indian law will prevail where they impose a stricter or different requirement.
This Policy applies to customers, merchants, agents, distributors, and API users who purchase or use services on the Platform. Depending on the product, those services may include:
Banks, payment aggregators, telecom operators, government systems, travel suppliers, and other third parties may apply their own cancellation or refund rules. Those rules can limit what Ishmart is able to reverse even when a request is otherwise in order.
Ishmart provides technology and operational infrastructure. Money movement often happens on systems we do not control. For that reason:
If the operator, bank, payment partner, government portal, merchant, or other service provider has confirmed that the request was processed, we cannot normally cancel, reverse, or refund that transaction.
A request may lapse or be auto-cancelled if, among other reasons:
If money left your account and the underlying service was not delivered, the case is handled under the failed-transaction rules in this Policy.
Once a mobile recharge, DTH recharge, FASTag top-up, or utility or BBPS payment is marked successful by the operator or biller, the transaction is final. No refund is due solely because the end-user later wants a different number, plan, or biller.
You are responsible for the accuracy of every field you submit. We are not obliged to refund losses that arise from, for example:
A completed payment made on incorrect data supplied by you will generally remain non-refundable.
If your account is debited and the recharge or bill is later confirmed as failed after operator or partner reconciliation, we will process an eligible refund once that confirmation is on record. Status on the Platform is indicative until partner reconciliation is complete.
Refund requests linked to merchant collections, UPI, QR, payment-gateway captures, or similar inflow products are reviewed only after:
We may ask for screenshots, UTR or RRN numbers, bank statements, and other evidence. A request that is incomplete or unsupported may be declined.
Unless a written contract with Ishmart says otherwise, the following amounts are not refundable once invoiced or activated:
We may consider a refund of such fees only where:
A payout, IMPS/NEFT/RTGS transfer, wallet settlement, or remittance that has already credited the intended beneficiary cannot ordinarily be pulled back. For transfers that fail or remain uncredited after debit, we will act only after the concerned bank or payment partner confirms the status and funds are available to return.
Flight, bus, hotel, package, and similar bookings placed through the Platform follow the cancellation and fare rules of the airline, operator, hotel, or aggregator. Ishmart acts as a technology facilitator. We cannot promise that a supplier will accept a cancellation or issue a refund, and any amount we return cannot exceed what the supplier actually releases to us after its own deductions.
Typical travel products covered include:
If the same order is paid twice, we will examine both legs. After verification and partner reconciliation, the extra payment may be returned to the original source. We may hold the case until supporting documents are received.
Where funds are debited but the service is later confirmed as failed, declined, or never completed, a refund is started only after the bank, gateway, operator, government system, or other provider confirms the outcome. Timelines depend on that partner's reconciliation cycle.
Ordinary processing window: 3 to 15 business days after we receive a complete request and partner confirmation.
In uncommon cases involving delayed inter-bank returns, scheme disputes, or compliance review, posting to your original method may take longer, and in exceptional situations up to 90 business days from the date we approve the refund.
Send a written request from your registered email to careismartinfo@gmail.com. If you have a designated account manager, copy that person as well. The email should include:
We will acknowledge your request and revert after verifying the transaction with the concerned partner. If approved, the refund is sent only to the original payment instrument. We do not pay cash, and we do not send refunds to a third-party account unless required by law or expressly authorised in writing by Ishmart.
Without limiting the rest of this Policy, refunds are ordinarily refused where:
Before you open a chargeback or dispute with your bank, card issuer, or UPI app, you agree to contact Ishmart and give us a reasonable chance to investigate. We may:
We may pause, refuse, or reverse a refund while we examine:
Subject to applicable law, our decision on such cases is final for Platform purposes.
To the extent permitted by law, Ishmart is not responsible for:
Where liability cannot be excluded, our total liability for a refund claim is limited to the amount actually received by Ishmart for that specific transaction, and not to any indirect, consequential, or lost-profit claim.
We may update this Policy at any time by publishing a revised version on the Platform. The updated text applies from the moment it is published. Continued use of the Platform after publication means you accept the revised Policy.
ISHMART TECHNOGLOBAL SERVICES PRIVATE LIMITED
CIN: U47912DL2024PTC428788
Registered office: SP IN-355/9, Ground Floor, Gali No. 9, Reghar Pura, Karol Bagh, New Delhi – 110005, India
Email: careismartinfo@gmail.com
Phone: +91 7303999829
Please quote the transaction reference in the subject line of every refund email.
This Policy is governed by the laws of India. Courts at New Delhi shall have exclusive jurisdiction over disputes arising from it, subject to any mandatory consumer or statutory forum that may also have jurisdiction.
By using the Platform you acknowledge that you have read and understood this Cancellation & Refund Policy.
