Refund Policy

Transaction Clarity

At GharDirect, we strive to maintain a transparent marketplace. Since we offer instant digital access to verified property owner details upon credit consumption, refunds are governed by strict operational guidelines to prevent system abuse.

1. Subscription Refund Rules

GharDirect seeker plans (e.g., Premium Seeker Subscriptions) are digital services.

• Subscribed users are eligible to request a refund within **48 hours** of purchasing a plan, provided they have **not used any contact credits** to unlock owner phone numbers.
• If you have unlocked even a single owner contact, the subscription is considered partially consumed and is **non-refundable**.
• Subscription plans do not auto-renew. Upon expiry of your plan, services will be downgraded to free-tier status unless manually renewed.

2. Contact Credit Rules & Reinstatement

One contact credit unlocks one verified owner detail. We understand that in rare cases, listed owner contacts might become unresponsive or invalid.

• If you unlock a contact and find the number is out of service, belongs to a broker (representing as owner), or the property is already rented/sold, you can report the listing via the **"Report Listing"** button on the property page.
• Our trust team will verify the report within **24 hours**. If validated, we will reinstate the consumed credit back to your account balance.
• Cash refunds are not processed for individual credit consumption; reinstatement is our standard resolution.

3. Failed Payment Handling

Sometimes payments fail due to server disconnects, network drops, or bank authentication timeouts during Razorpay processing.

If your bank account is debited but you do not receive credits on GharDirect, do not panic. The transaction status is usually updated automatically:

• Razorpay reconciles failed payments with issuing banks every **24 to 48 hours**.
• If the transaction was marked as a failure by the payment gateway, the debited amount will be auto-refunded to your original bank account or card by your bank within **5 to 7 business days**.
• If the payment was successful but credits were not updated, please email us with your payment receipt and Razorpay ID so we can manually add the credits.

4. Duplicate Payment Handling

If you accidentally click the payment button twice or experience a gateway loop resulting in double debits for the same subscription or package:

Please contact our billing support desk immediately. Once we verify the double payment on our Razorpay merchant console, we will issue a direct refund for the duplicate transaction to your original payment method. The refund will be initiated instantly and will reflect in your account within **3 to 5 business days**.