At Zerion Apex, we are committed to delivering secure, dependable, and smooth payment experiences. This Refund Policy outlines the circumstances under which refunds may be granted, the steps involved in requesting and processing refunds, and the roles and responsibilities of both users and merchants. Users are advised to review this Policy carefully to understand their rights and obligations.

Scope of This Policy

This Policy applies to all users of the platform, including:

• Individual customers
  
• Registered merchants
  
• Businesses utilizing our payment infrastructure
  

It applies to transactions completed using:

• Credit and debit cards
  
• Net banking
  
• UPI
  
• Digital wallets
  
• Any other supported payment methods
  

Note: Refund terms related to goods or services offered by merchants are determined solely by the merchant and fall outside the scope of this Policy.

Refund Eligibility Criteria

Refunds may be issued in the following situations:

• Duplicate charges or incorrect debits resulting from system or processing errors
  
• Failed transactions caused by technical issues or banking failures
  
• Excess charges due to merchant-related mistakes
  
• Unauthorized transactions confirmed after completion of a fraud investigation
  
• Incorrect payments arising from technical errors or merchant-side issues
  
• Order cancellations permitted under the merchant’s return or refund policy
  

Important: Refund requests initiated by merchants are processed only after formal approval through the merchant dashboard.

Non-Refundable Transactions

Refunds will not be issued for:

• Platform usage fees, setup charges, integration fees, or other service-related payments made to Zerion Apex
  
• Services that have already been completed, including onboarding, KYC verification, or compliance-related procedures
  
• Transactions clearly identified as non-refundable
  
• Payments that violate platform policies or are associated with fraudulent activity
  
• Disputes raised beyond applicable regulatory or payment network timelines
  
• Requests submitted without adequate supporting documentation
  

Fees and Refund Adjustments

• Service fees, setup charges, integration fees, and convenience fees are non-refundable, except where refunds result from verified internal system errors
  
• Refund amounts related to merchant disputes may be adjusted to reflect fees already incurred
  

Refund Request Process

To initiate a refund request, users must:

• Contact us at operations@zerionapex.com or submit a support request through the dashboard
  
• Provide complete transaction information, including transaction ID, date, amount, payment method, and reason for the request
  
• Submit relevant supporting documents such as screenshots, confirmation emails, or communications with the merchant
  
• Respond promptly to any additional requests for verification or clarification
  

Refund Processing Timelines

• Approved refunds are initiated within 5–7 business days
  
• The time taken for funds to reflect depends on the bank, card issuer, or payment service provider
  
• Updates regarding refund status are shared via email or SMS
  
• Delays may occur due to merchant policies, banking procedures, or third-party intermediaries
  

Chargebacks and Payment Reversals

• Initiating a dispute with your bank or card issuer triggers the chargeback process
  
• Zerion Apex coordinates with the relevant merchant and may request documentation to assess the claim
  
• If the chargeback is upheld, the refund is processed, and any associated fees or penalties are borne by the merchant
  
• Note: Multiple unjustified chargebacks may lead to account review or suspension.
  

Taxes and Applicable Deductions

• Tax refunds, including GST, are processed only where permitted under applicable laws
  
• Administrative charges or third-party processing fees may apply and will be disclosed at the time of refund
  

Merchant Obligations

Merchants are responsible for managing refund requests related to their products or services. Zerion Apex processes refunds only upon merchant authorization, except in cases involving platform errors or verified fraud.

Merchants are required to:

• Maintain clear, transparent, and easily accessible refund policies
  
• Fully cooperate during dispute resolution and investigative processes
  
• Acknowledge that non-compliance may lead to delayed settlements or temporary suspension of platform privileges
  

Updates to This Refund Policy

• This Refund Policy may be updated periodically to reflect changes in law, operations, or industry standards
  
• Revised versions will display an updated “Last Updated” date
  
• Continued use of the platform after updates indicates acceptance of the revised Policy
  

Contact Information

For any questions, clarifications, or assistance related to refunds, please contact:
operations@zerionapex.com