Refund & Cancellation

At ThangamPay, managed by Ayyappar Solutions Private Limited, we aim to provide a transparent and seamless investment experience. Because we deal in live-market commodities (24K Gold & Silver), our policies differ from traditional e-commerce stores.

1. Cancellation of Buy Orders

Once a "Buy" order is successfully processed and the digital gold/silver is credited to your vault, the transaction **cannot be cancelled**. This is because the purchase is locked at live market rates which fluctuate every few seconds. If you wish to liquidate your assets, you must use the "Sell" feature on your dashboard.

2. Refund for Payment Failures

In cases where money is deducted from your bank account but the asset is not credited to your vault (due to technical glitches or internet failure):

• The amount will be automatically refunded by our payment gateway (Razorpay) within **5 to 7 working days**.
• If the vault is not updated within 2 hours, please raise a ticket in the "Support" section with your transaction ID.

3. Cancellation of SIP (Auto-Debit)

Users have complete control over their automated savings. You can cancel your UPI AutoPay or e-Mandate mandate at any time through the "Auto-Debit SIPs" section of the dashboard. No cancellation fees are applicable for stopping a future SIP.

4. Sell Back (Liquidations)

Selling your digital gold/silver is the equivalent of a refund. When you sell:

• The money will be credited to your verified bank account.
• Processing usually takes **24 to 48 hours**, depending on bank holidays.
• The sell price is based on the live market rate at the exact moment of the transaction.

5. Physical Delivery Returns

Once you request physical delivery and the coin/bar has been dispatched:

• Returns are only accepted if the tamper-evident packaging is damaged or the product is incorrect upon arrival.
• You must record an unboxing video to claim a replacement or refund for physical items.

6. Duplicate Transactions

If you accidentally place a duplicate order, please contact support within 30 minutes. While we cannot guarantee a refund due to market volatility, we will review the case on an individual basis.

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