Refund & Cancellation Policy – RealSaathi
calendar_month Last Updated: September 2026
Preamble & Legal Governance
This Refund & Cancellation Policy applies to purchases, recharges, coins, virtual credits, and eligible paid services available through RealSaathi, a social communication platform developed and operated by Incoteam Technology Pvt Ltd.
By making a purchase on RealSaathi, you agree to this policy along with our Terms of Service, Privacy Policy, Community Standards, and other applicable policies.
Important Security Notice
Never share your OTP, UPI PIN, card PIN, CVV, password, or internet banking password with RealSaathi support.
RealSaathi and Incoteam Technology Pvt Ltd representatives will never request your private financial authentication keys.
1. General Policy
RealSaathi may provide paid features such as:
Because these are digital services, refunds are generally limited to eligible cases described in this policy.
2. Successful Recharge
If a recharge is successfully completed and the corresponding coins or credits are correctly added to your RealSaathi account, the purchase is generally considered complete.
Once coins or credits have been used, consumed, transferred into eligible platform usage, or spent on a completed service, they are generally non-refundable except where required by applicable law.
3. Payment Successful but Coins Not Received
If payment has been deducted from your bank, card, UPI, wallet, or other payment method but coins or credits have not been added to your RealSaathi account, please contact our support team.
checklist Information to Provide:
- Registered mobile number
- Transaction ID
- Payment reference number
- Payment date and time
- Amount paid
- Screenshot of payment confirmation, if available
After verification, we may either credit the missing coins or eligible service, or process an eligible refund depending on the result of our review.
4. Failed Transactions
If a payment fails but money is deducted, the amount may be automatically reversed by the bank, payment gateway, or payment service provider.
The reversal timeline may depend on the payment method and provider. If the amount is not automatically reversed within the applicable banking timeline, contact RealSaathi support with the transaction details.
5. Duplicate Payment
If the same recharge is charged more than once because of a technical or payment processing issue, contact support immediately.
After verification, the duplicate transaction may be:
Choice of resolution depends on the circumstances and your preference where applicable.
6. Incorrect Recharge
Users are responsible for reviewing the recharge amount and package before confirming payment.
If a user intentionally selects and successfully purchases the wrong recharge package, a refund may not be available after the coins or benefits are credited.
If the transaction has not yet been fulfilled, contact support as soon as possible.
7. Used Coins and Completed Services
Refunds are generally not available for:
Exceptions apply only unless the service was materially affected by a verified technical issue or applicable law requires otherwise.
8. Call-Related Issues
A refund or coin adjustment may be considered if a verified technical issue causes:
Each request will be reviewed using available transaction and technical records.
Poor network quality, user-side internet issues, device problems, or voluntarily ended calls may not automatically qualify for a refund.
9. Promotional Coins and Bonuses
Promotional, bonus, free, or campaign-based coins:
- removeHave no cash value
- removeAre generally non-refundable
- removeMay have specific usage conditions
- removeMay expire where clearly disclosed
- removeMay be removed if obtained through fraud or abuse
10. Creator Payments
Creator or host payouts are governed separately by the applicable Creator Terms and payout rules. This Refund Policy primarily applies to purchases made by users.
Creator Earnings Review & Withholding
Creator earnings may be reviewed, adjusted, withheld, or reversed in cases involving:
where permitted by applicable law.
11. Chargebacks and Payment Disputes
Users should contact RealSaathi support before initiating a payment dispute or chargeback where possible.
If a chargeback is initiated for a transaction where coins or services were already delivered and used, RealSaathi may review the account and transaction history.
Fraudulent chargebacks or payment abuse may result in account restrictions.
12. Cancellation Policy
Digital recharge orders are generally processed immediately.
Once coins or credits are successfully delivered, the transaction usually cannot be cancelled.
If the transaction is still pending or has not been fulfilled, you may contact support to request assistance. Cancellation is not guaranteed and depends on transaction status.
13. Refund Eligibility
A refund may be considered in situations such as:
Each request is reviewed individually.
14. Refund Request Timeline
Users should report payment or recharge issues as soon as possible.
For best results, submit your request within 7 days of the transaction, unless a longer period is required by applicable law or the payment provider.
Delayed requests may be harder to verify.
15. Refund Processing Time
Approved refunds will be processed through the original payment method where reasonably possible.
After RealSaathi initiates an approved refund, the time required for the amount to appear may depend on:
The final credit timeline is controlled by the relevant financial service provider.
16. Unauthorized Transactions
If you believe a transaction was made without your authorization:
We may request additional information to investigate the transaction.
17. Refund Abuse
RealSaathi may reject refund requests associated with:
Such conduct may also result in account restrictions.
18. Payment Gateway Policies
Payments on RealSaathi may be processed by third-party payment gateways or financial service providers.
In some cases, refunds, reversals, and disputes may also be subject to the terms and processing timelines of those providers.
19. Changes to This Policy
Incoteam Technology Pvt Ltd may update this Refund & Cancellation Policy from time to time due to:
The latest version will be published on the RealSaathi website or application.
20. Contact for Refund Support
For recharge, payment, refund, or transaction-related issues, contact RealSaathi through the official support channels.
When contacting us, include your registered mobile number and transaction ID for faster review.
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