Sikhwal Multi Services Pvt. Ltd.
Effective Date: 20/01/2024
Last Updated: 15/11/2025

Welcome to SIKHWAL MULTISERVICES PVT. LTD. (SIKHWAL) (“Company”, “we”, “our”, or “us”). we are committed to delivering high-quality fintech services and ensuring customer satisfaction. This Refund & Cancellation Policy outlines the terms and conditions under which customers may request refunds or cancellations for services purchased through our platform.

1. Eligibility for Refunds

Refunds may be granted under the following conditions:

• The service delivered was materially different from what was described or failed to meet the agreed-upon standards of quality.
• A refund request is submitted within three (3) days from the date of the transaction.
• The service has not been fully utilized or completed, and no substantial work or progress has already been executed by Sikhwal Multiservices Pvt. Ltd.

Refunds will not be issued if the service has been fully delivered, substantially completed, or utilized by the customer.

2. Non-Refundable Services

The following categories of services are strictly non-refundable:

• Custom or personalized financial consulting services, once initiated or delivered.
• Subscription-based services, after commencement of the applicable billing cycle.
• Third-party products or services purchased through our platform, as these are governed by the policies of the respective providers.

Sikhwal Multiservices Pvt. Ltd. reserves the right to designate additional non-refundable services as necessary.

3. Refund Request Procedure

To request a refund, customers must follow the steps below:

• Submit a written refund request via email to help.smplraj@gmail.com within the eligible refund period.
• Include the following details in the request:
  o Order or transaction number
  o Registered name and contact information
  o Reason for the refund
  o Any supporting documents or evidence (if applicable)
• Upon receiving the request, our support team will review the submission and assess eligibility based on this Policy

Sikhwal Multiservices Pvt. Ltd. reserves the right to request additional information if necessary to validate the claim.
If approved, the refund will be processed within 5–7 business days.

4. Method of Refund

Approved refunds will be issued using the same payment method used for the original transaction.
Processing times may vary depending on the customer’s bank, payment provider, or financial institution, and Sikhwal Multiservices Pvt. Ltd. shall not be held responsible for delays outside its control.

5. Cancellation Policy

Service cancellations must be requested before the service is initiated or before work has commenced.
Once a service has started or has been substantially progressed, cancellation may not be possible and will be subject to the refund eligibility terms outlined above.

Subscription services may be cancelled at any time; however, cancellation will only take effect from the next billing cycle, and no refund will be issued for the current cycle.

6. Amendments to This Policy

Sikhwal Multiservices Pvt. Ltd. reserves the right to modify, update, or revise this Refund & Cancellation Policy at any time, without prior notice.
Any changes will become effective immediately upon posting on our official website. Continued use of our services after such modifications constitutes acceptance of the revised Policy.

7. Contact Us

For any questions, clarifications, or assistance regarding this Refund & Cancellation Policy, please contact us::
📧 Email: help.smplraj@gmail.com
📞 Phone: +91 9079132001