Refund and Cancellation Policy
Transparent, zero-loss refund and automatic reconciliation guidelines for all transactions on MR CSC Service.
Zero-Loss Customer Protection Commitment
At MR CSC Service (Sole Proprietor: Ruhul Amin Molla), we operate an automated financial ledger system. If a service query, document card print, or utility lookup fails or cannot be processed by our backend desk, the full fee is instantly reversed back to your portal wallet float (100% refund).
1 Scope & Coverage of this Policy
This Refund & Cancellation Policy applies to all registered Retailers, Distributors, Operators, and Customers utilizing the payment gateway services, wallet top-ups, and digital service utilities on the portal bookmymindathome.com, operated by sole proprietor Ruhul Amin Molla.
2 Payment Gateway Failed, Interrupted or Pending Debits
When adding float/funds to your portal wallet via our certified Payment Gateways (Razorpay, Cashfree, PayU, PhonePe, UPI, Netbanking, Cards):
- Normal Transactions: Successfully authorized transactions credit your portal wallet balance instantly (real-time within seconds).
- Interrupted / Network Dropped Transactions: If money is deducted from your bank account, card, or UPI application, but our server does not receive immediate confirmation due to a network glitch or session timeout:
- Our automated webhook listener reconciles the transaction with the payment aggregator within 1 to 24 hours and credits the funds to your wallet float.
- If the payment aggregator marks the transaction as Failed / Unsettled, the debited amount is automatically reversed back to your original payment source (bank account, card, or UPI VPA) within 5 to 7 working banking days as mandated by Reserve Bank of India (RBI) guidelines.
- Duplicate Debits: In the event of an accidental double debit for a single top-up order, the duplicate charge will be refunded to the original payment source within 5 to 7 working banking days.
3 Service Level Rejections & Instant Wallet Reversals
When an operator submits a citizen utility application (such as PAN verification, Aadhaar linkage docket, Voter card print layout, or Driving Licence check):
- If the request is Rejected due to technical unavailability, invalid reference numbers, server mismatch, or non-fulfillment by the operational desk, the system automatically initiates an instant 100% refund.
- The refunded fee is credited back directly to the operator’s portal wallet balance with a unique transaction ledger reference number.
- No deductions or processing penalties are levied on rejected applications.
4 Voluntary Cancellation & Non-Refundable Situations
Please note the following service-specific limitations:
- Delivered Digital Outputs: Once an API lookup has successfully fetched record details, or a PDF document/card layout has been generated and delivered to the user screen, the service is deemed completely fulfilled and cannot be cancelled or refunded.
- Incorrect Data Submitted by User: If an operator submits incorrect applicant details (e.g. invalid date of birth or mistyped document numbers) and the upstream provider executes the query against those parameters, fees incurred cannot be recalled once processed.
- Voluntary Account Closure: If a registered retailer wishes to discontinue using the platform and has an unutilized wallet balance, they may submit a balance withdrawal request to the Central Helpdesk. After verifying KYC credentials, unutilized wallet float will be transferred via NEFT/IMPS to the registered bank account within 7 business days (applicable banking transfer gateway fees may apply).
How to Claim a Refund or Report a Payment Issue
If you encounter any pending transaction or have a refund grievance, please contact our Support & Grievance Desk with your Transaction Reference ID (UTR / Gateway Order ID):