Refund & Cancellation Policy
Last Updated: November 2026 · Merchant KYC Framework · Published by: AuctionDekho Internet Services Private Limited
Digital Subscriptions (Pro & Enterprise Plans)
Non-Refundable Delivery Policy for Digital Goods:
Due to the immediate, irreversible nature of digital SaaS goods and real-time database access, all digital subscription fees (Pro and Enterprise tiers) are strictly non-refundable once delivered, unlocked, or accessed.
Upon successful payment confirmation via Razorpay or Cashfree:
- The subscriber immediately receives unlocked access to proprietary bank nodal officer telephone numbers, borrower/mortgagor records, direct SARFAESI gazette PDFs, and CSV data export privileges. Delivery of the digital service is considered executed instantaneously.
- Cancellation of Auto-Renewal: You may cancel your subscription auto-renewal at any time from your account settings. Upon cancellation, your access remains active until the end of the paid billing cycle, after which no further charges will be billed. No partial or prorated refunds will be issued for unused days in a billing period.
Downloadable Digital Reports & Title Search Summaries
Standalone purchased digital deliverables—including customized CERSAI encumbrance summaries, digital legal title search reports, OCR notice transcriptions, and automated auction intelligence summaries:
- Strictly Non-Refundable Once Generated or Transmitted: Because downloadable digital reports represent completed intellectual work and data compilation that cannot be recalled once delivered to the user dashboard or transmitted via email.
- If a technical generation error occurs where the digital report cannot be opened or downloaded due to a server defect, our support engineering desk will regenerate and deliver a verified copy within 24 business hours.
Paid Due Diligence & Physical Site Inspection Consulting
For specialized offline consulting services facilitated through our network of empanelled advocates and chartered valuation engineers (such as physical vs. symbolic possession audit, court litigation check, and physical site inspections):
If a formal cancellation request is submitted in writing at least 24 hours prior to the scheduled field site visit or scheduled sub-registrar office search, a 50% refund of the service fee will be approved. The retained 50% covers administrative coordination and advocate/valuer booking retainers.
Cancellations requested less than 24 hours prior to the site visit, or after the empanelled advocate/engineer has been dispatched or commenced sub-registrar title searching, are strictly non-refundable as statutory government search fees, travel expenses, and professional time have been fully incurred.
Crucial Distinction: Bank Auction Earnest Money Deposits (EMD)
Earnest Money Deposits (typically 10% of Reserve Price) are paid by bidders directly to the respective statutory public sector bank (e.g., SBI, PNB, BOB, Canara Bank) or designated nodal e-auction platforms (MSTC, IBAPI).
AuctionDekho never collects, handles, processes, or holds bank EMD funds.
Failed Transactions & Duplicate Debits
In rare circumstances where an amount is debited from your bank account, credit card, or UPI app, but the subscription or service status fails to activate due to an interrupted connection between the payment aggregator (Razorpay / Cashfree) and our servers:
- Our automated webhook reconciliation engine detects orphaned transactions and attempts auto-activation within 2 hours.
- If auto-activation cannot be established, a 100% full refund is automatically triggered back to the originating bank account or card within 48 to 72 hours.
Refund Processing Timeline & Payment Mode
In full adherence to the Reserve Bank of India (RBI) Payment Aggregator Guidelines:
- Original Payment Method Only: All approved refunds are credited exclusively back to the original source payment instrument (original credit card, debit card, UPI VPA, or net banking account) used at the time of purchase. We do not issue cash refunds or third-party transfers.
- Turnaround Time (SLA): Once a refund is approved by our billing desk, the reversal request is dispatched to Razorpay / Cashfree immediately. Funds typically reflect in your account within 5 to 7 business days, depending on your card issuer or banking institution's settlement cycle.
How to Submit a Refund Request
To lodge an eligible refund claim, send an email to our billing desk with the following verification details:
Required Information in Email:
- Registered Account Email Address & Full Name
- Payment Gateway Transaction ID (e.g., Razorpay
pay_...or Cashfree order reference) - Subscription / Service Invoice Number
- Detailed reason for the refund or cancellation request