Refund and Cancellation Policy

Effective Date: 07 June 2026

This Refund and Cancellation Policy (“Policy”) governs payments, cancellations, refunds, and related matters for services provided through Bharosak, operated by Anvay Ventures, a proprietorship firm.

By using Bharosak’s website or services, users agree to this Policy in addition to the Terms of Service and Privacy Policy available on the website.

1. NATURE OF SERVICES

Bharosak provides consent-based verification facilitation services involving:

• operational processing

• document review

• customer communication

• consent confirmation

• third-party verification costs

• manual verification efforts

• report preparation.

Since significant operational effort and third-party costs may arise once a request is initiated, refunds are governed by the processing stage of the request.

2. PAYMENT TERMS

All verification requests must be prepaid unless otherwise agreed in writing.

Payments made through Bharosak may include:

• service fees,

• operational charges,

• platform costs,

• third-party verification charges,

• communication expenses,

• payment gateway fees.

Payments are generally processed through authorized third-party payment gateways.

3. CANCELLATION BY USER

Users may request cancellation of a verification request before processing begins.

However, cancellation approval shall depend on:

• operational stage,

• consent processing status,

• third-party verification initiation,

• and incurred expenses.

Bharosak reserves the right to determine applicable refund eligibility based on the actual processing stage.

4. REFUND ELIGIBILITY

A. Full Refund Eligibility

A full refund may be considered only if:

• payment was made successfully and no operational processing has started.

• Operational processing may include:

• document review,

• consent communication,

• WhatsApp outreach,

• call attempts,

• verification initiation,

• internal review activities.

Payment gateway charges or transaction fees may still be deducted where applicable.

B. Partial Refund Eligibility

A partial refund may be considered where:

• consent attempts were made,

• communication efforts were initiated,

• operational resources were utilized, but verification could not be completed.

• Examples may include:

• candidate unreachable,

• no consent response,

• incorrect contact details,

• incomplete documents,

• customer withdrawal after processing initiation.

In such cases, operational charges, communication costs, payment gateway charges, and administrative expenses may be deducted.

C. No Refund Situations

Refunds may not be provided where:

• verification processing has started,

• third-party verification checks have been initiated,

• reports have been generated,

• incorrect information was submitted by the requestor,

• consent was denied after operational efforts,

• fraudulent or suspicious activity is detected, services were misused,

• the request violates Bharosak’s policies or applicable laws.

No refunds shall be applicable once a verification report has been generated or delivered.

5. CONSENT FAILURE CASES

Bharosak operates on a consent-based verification model.

If:

• the concerned individual does not provide consent,

• authorization cannot be confirmed,

• or consent verification fails,

Bharosak may cancel the request.

In such cases:

• partial refunds may be considered after deduction of operational and communication expenses incurred during the consent verification process.

Refund decisions shall remain at Bharosak’s reasonable discretion based on actual operational efforts.

6. FAILED OR DUPLICATE PAYMENTS

In case of:

• duplicate payment,

• technical payment failure,

• excess deduction,

• unsuccessful transaction with amount debited,

users should contact Bharosak with:

• payment reference number,

• transaction details,

• registered contact information.

Eligible refunds for such payment issues may be processed after verification.

7. REFUND PROCESSING TIMELINE

Approved refunds, where applicable, may generally be processed within 07 to 15 business days,depending on:

• banking systems,

• payment gateways,

• operational review,

• financial processing timelines.

Actual credit timelines may vary based on the payment provider or banking institution.

8. NON-TRANSFERABILITY

Payments made for one verification request:

• cannot generally be transferred,

• reassigned,

• or adjusted toward unrelated requests unless specifically approved by Bharosak.

9. SERVICE AVAILABILITY

Bharosak relies on third-party service providers, communication platforms, and verification partners.

Temporary delays, interruptions, technical failures, or service unavailability may occur.

Such situations shall not automatically entitle users to refunds unless Bharosak determines that services could not reasonably be delivered.

10. FRAUD PREVENTION

Bharosak reserves the right to:

• withhold refunds,

• suspend requests,

• reject transactions,

• or report suspicious activity

where fraud, misuse, unauthorized submissions, false information, or policy violations are suspected.

11. CHARGEBACKS AND PAYMENT DISPUTES

Users are encouraged to contact Bharosak directly before initiating:

• chargebacks,

• payment disputes,

• or unauthorized transaction complaints.

Bharosak reserves the right to provide:

• communication records,

• consent records,

• operational logs,

• and transaction details

to banks, payment processors, or legal authorities for dispute resolution purposes.

Fraudulent chargeback attempts may result in:

• account restrictions,

• legal action,

• recovery proceedings,

• and permanent suspension from services.

12. MODIFICATION OF POLICY

Bharosak reserves the right to:

• · modify,

• · update,

• · revise

this Refund and Cancellation Policy at any time without prior notice.

Updated versions shall become effective upon publication on the website.

Continued use of services after such updates constitutes acceptance of the revised Policy.

13. CONTACT DETAILS

For refund or cancellation-related concerns, users may contact:

Anvay Ventures
Brand: Bharosak
Website: https://bharosak.com/

Email: support@bharosak.com
Phone: +91-8985704717

Please include:

• order/reference number,

• payment details,

• registered mobile number,

• and issue description

while contacting support.

14. GOVERNING LAW

This Policy shall be governed by the laws of India.

Any disputes arising in relation to refunds, cancellations, payments, or related matters shall be subject to the jurisdiction of competent courts located in India.

15. ACKNOWLEDGEMENT

By making payments to Bharosak or using its services, users acknowledge that they have read, understood, and agreed to this Refund and Cancellation Policy.Refund and Cancellation Policy