ChikimGroup

Refund Policy

Effective Date: November 13, 2025

Entity Name: Chikim Enterprises Private Limited
Alias: Chikim Group
Registered Office: Beulahlane, Central Lamka, Churachandpur, Manipur 795128, India
Contact Email: chikimgroup@gmail.com

1. Introduction

This Refund Policy (“Policy”) outlines the conditions under which refunds may be issued for payments made through the Chikim Group App or Website (“Platform”) operated by Chikim Enterprises Private Limited (“Company”, “we”, “our”, or “us”).

By making any payment through the App or Website, you agree to this Policy in addition to our Terms And Conditions and Privacy Policy.

2. Scope

This Policy applies to all payments made for:

  • Membership Registration Fee
  • Membership Monthly Fee
  • Any Other Payments within the App or Website

It does not apply to:

  • Payments made directly to third-party institutions, such as banks, NBFCs, or financial partners for Fixed Deposits or Loan services
  • Fees or charges collected by payment gateways (e.g., Razorpay)
  • KYC verification or one-time account activation fees, if applicable

3. Eligibility for Refund

Refunds may be issued only under the following conditions:

  1. Duplicate or erroneous payments due to technical issues verified by our system.
  2. Failure to deliver a paid digital service due to an error on our part.
  3. Unintentional or unauthorized transactions (e.g., multiple charges) reported within the allowed timeframe and verified by our support team.

Refund requests must be made within 7 days from the date of payment.

Refunds will not be issued for:

  • Change of mind after successful service activation.
  • Incomplete KYC or regulatory non-compliance by the user.
  • Services already used or accessed.
  • Third-party partner services (e.g., loans, deposits, or other external offerings).

4. Refund Process

  1. Submission: Users must email chikimgroup@gmail.com or use the in-app or website support option with the payment reference ID and transaction details.
  2. Verification: The Company will verify the request, which may take up to 5–7 business days.
  3. Approval and Processing:
    • Approved refunds will be processed back to the original payment method.
    • Refunds may take 7–10 business days to reflect, depending on the payment gateway or bank.

We will notify you via SMS or Email or Phone once your refund has been processed.

5. Non-Refundable Payments

The following are strictly non-refundable:

  • KYC or account verification fees (if applicable).
  • Payments made for third-party products or services (e.g., FDs, Loans).
  • Promotional, discounted, or limited-time subscription fees.
  • Any taxes or charges paid to external providers.

6. Payment Gateway Charges

Refunds, where applicable, may be subject to deduction of payment gateway or transaction processing fees, as imposed by our payment partners (e.g., Razorpay, Cashfree).
These deductions are not controlled by the Company.

7. Cancellation Policy

Memberships or recurring subscriptions may be canceled anytime before the renewal date via the App or Website or by contacting customer support.

Canceling a subscription stops future renewals but does not guarantee a refund for the current billing period unless explicitly stated under Section 3.

8. Technical Errors

In the event of double deductions, failed payment acknowledgments, or similar technical errors, the Company will coordinate with the payment gateway to resolve the issue.

If verified, the excess payment will be refunded within 7–10 business days.

9. Contact and Support

For any refund-related inquiries, please contact:

Email: chikimgroup@gmail.com
Address: Beulahlane, Central Lamka, Churachandpur, Manipur 795128, India

10. Changes to This Policy

The Company reserves the right to modify this Policy at any time. Updates will be reflected on this page with a new effective date.
Continued use of the App or Website after updates constitutes acceptance of the revised Policy.