Refund Policy

This Refund Policy governs payments made through the eSure Insurance Premium Calculation Application, operated by iMAYAS iTech Pvt. Ltd.

By using the application and making payments through the platform, you agree to the terms outlined in this Refund Policy.

Payments made through eSure are processed using secure third-party payment gateway providers. While every effort is made to ensure successful and accurate transaction processing, technical issues beyond our control may occasionally occur.

A refund may be considered only under the following circumstances:

• The payment has been successfully debited from the user's bank account, credit card, debit card, UPI, or other payment method.
• Due to technical failure, network interruption, server issue, or payment gateway error, the transaction is not successfully recorded in the eSure application.
• The requested service is not delivered or the corresponding receipt or transaction confirmation is not generated.

All payment transactions are periodically reconciled with our payment gateway and banking partners.

• Complete the pending transaction.
• Generate the corresponding receipt or confirmation.
• Deliver the intended service without requiring another payment.

If the transaction cannot be linked to a user or completed due to insufficient information or technical reasons, the payment will be refunded through the original payment method, subject to the payment gateway or financial institution's processing timelines.

Once a payment has been successfully processed and the requested service has been delivered, the transaction is considered final.

The services provided through eSure are digital in nature and are consumed immediately upon successful processing.

• Payments cannot be cancelled after successful completion.
• Refunds will not be provided for voluntary cancellation, change of mind, or services already delivered.

Approved refunds are initiated through the original payment gateway or payment method.

The refund will generally reflect in the user's account within 5 to 10 business days, depending on the respective bank, card issuer, UPI provider, or payment gateway.