1. Scope

This Refund & Cancellation Policy applies to:

• Payments made through our website for products and services
• Advance payments, deposits, and token amounts
• Service fees for consulting, IT, and advisory engagements
• Payments for trade facilitation and procurement services

This policy does not override the specific terms agreed in individual contracts, purchase orders, or service agreements. In case of conflict, the specific contract terms shall prevail.

2. Cancellation by the Customer

2.1 Before Order Confirmation

Enquiries, RFQ submissions, and consultation requests may be withdrawn at any time before a formal contract or purchase order is executed, with no financial obligation.

2.2 After Order Confirmation but Before Dispatch/Commencement

• Cancellation requests must be submitted in writing to [email protected]
• Cancellations received within 48 hours of order confirmation: Full refund of advance payment, less any bank charges or transaction fees incurred
• Cancellations received after 48 hours but before dispatch/commencement: Refund of advance payment less actual costs incurred (procurement, logistics booking, third-party commitments)
• Cancellations of custom-manufactured or specially sourced goods: No refund of advance payment once production or sourcing has commenced

2.3 After Dispatch or Service Commencement

• Cancellations after goods have been dispatched are not accepted. Please refer to our Return Policy.
• For service engagements, cancellation after commencement will be charged on a pro-rata basis for work completed, plus any committed third-party costs

3. Cancellation by Panchtatvam Global Solutions

We reserve the right to cancel an order or engagement in the following circumstances:

• Non-payment or failure to provide required documentation within agreed timelines
• Failure of KYC or AML verification
• Regulatory restrictions or sanctions applicable to the transaction
• Force majeure events making fulfilment impossible
• Discovery of material misrepresentation in the order or application

In such cases, we will provide a full refund of any advance payment received, less any costs already incurred and non-recoverable third-party commitments.

4. Refund Eligibility

Refunds may be considered in the following circumstances:

• Goods delivered are materially different from the agreed specification
• Goods are damaged in transit (subject to insurance claim procedures)
• Service not delivered as per agreed scope and timeline
• Duplicate payment made in error
• Order cancelled within the eligible window as described above

5. Non-Refundable Items

The following are generally non-refundable:

• Consultation fees for completed advisory sessions
• Documentation and compliance fees once work has commenced
• Advance payments for custom-manufactured or specially sourced goods once production has commenced
• Bank charges, wire transfer fees, and currency conversion costs
• Costs of third-party services already rendered (freight, insurance, customs clearance)

6. Refund Process

To request a refund:

1. Email [email protected] with subject line "Refund Request – [Order/Reference Number]"
2. Include your full name, company name, order reference, payment details, and reason for refund
3. Attach supporting documentation (invoice, payment receipt, evidence of issue)
4. Our team will acknowledge your request within 2 business days
5. We will review and respond with a decision within 7–14 business days

7. Refund Timelines

Once a refund is approved:

• Bank transfer (NEFT/RTGS): 5–7 business days
• UPI: 3–5 business days
• International wire transfer: 7–14 business days (subject to correspondent bank processing)
• Credit/debit card: 7–10 business days (subject to card issuer processing)

Refunds will be processed to the original payment method used. If this is not possible, we will coordinate an alternative method with you.

8. Disputes

If you are not satisfied with our refund decision, you may escalate to our Grievance Officer at [email protected]. Please refer to our Grievance Redressal Policy for the full escalation process.

9. Contact