Financial Architecture & Escrow Immunity Node
Refund, Return & Chargeback Policy
Last Updated: May 21, 2026 | Enterprise Revision 5.0
FINANCIAL ARCHITECTURE & IMMUNITY NOTICE
This document governs all monetary workflows across vyaparies.com and its generated Next.js subdomains. Vyaparies Technologies operates as a Sole Proprietorship and functions strictly as a Pure B2B2C Software-as-a-Service (SaaS) Provider. The Platform does not process, hold, or escrow consumer retail funds. This document isolates the Company from third-party payment disputes and protects the Sole Proprietor from consumer financial litigation.
1. THE ARCHITECTURAL SPLIT: SAAS VS. RETAIL TRANSACTIONS
To preserve statutory compliance and completely isolate operational liability, all financial mechanisms executing across the Platform are strictly bifurcated into two independent, non-intersecting payment pipelines:
A. B2B SaaS Subscription Billing (Vendor-to-Platform)
This stream covers payments made by registered Vendors for cloud hosting, storefront generation, and Khata Bahi NLP engine access. These fixed or recurring licensing fees are billed directly by the Company and securely routed via our authorized Razorpay gateway integration.
B. B2C Retail Commercial Transactions (Consumer-to-Vendor)
This stream governs direct retail orders (physical goods, digital downloads, or service bookings) placed by End-Consumers on an independent Vendor's specific subdomain. These funds are transmitted directly to the Vendor's bank via P2P UPI Intent payloads. The Company exercises zero custody, oversight, or escrow control over this retail cash flow.
2. B2B SAAS CANCELLATIONS, REFUNDS, & LIQUIDATED FORFEITURE
- Strict Non-Refundable Infrastructure Allocation: All subscription payments for Next.js cloud resource slots, server retention, and ledger processing capabilities are fully consumed upon activation. The Company does NOT issue pro-rated refunds, partial adjustments, or monetary rollbacks for mid-cycle billing cancellations. Vendors may cancel auto-renewals at any time; SaaS access remains active until the paid cycle definitively expires.
- Forfeiture under Instant Takedown (Tech Abuse & AUP Breach): If a Vendor account is suspended, frozen, or permanently erased due to a verified breach of our Acceptable Use Policy (e.g., selling prohibited goods, bypassing API limits, IP scraping, or Platform Circumvention to avoid usage tracking), the Vendor explicitly agrees that any unused active subscription balances are forfeited absolutely to the Company as immediate liquidated damages to cover security processing and audit overhead.
3. B2C RETAIL CATALOG RETURNS & REFUNDS (END-CONSUMERS)
Every retail transaction executed through a platform-generated store link is a direct, closed contract exclusively between the Vendor and the End-Consumer.
100% Vendor Liability: The Vendor assumes absolute, sole legal and financial liability under the Consumer Protection (E-Commerce) Rules for fulfilling orders, publishing compliant return policies, issuing refunds, managing digital item links, and handling damaged inventory replacements.
Total Platform Exemption: Because we act merely as a digital notebook and routing pipeline, the Company will not participate in, mediate, arbitrate, or financially offset consumer complaints regarding broken packages, delivery delays, unhygienic goods, or merchant fraud. All refund demands must be settled directly with the specific merchant.
4. FINTECH-SHIELD: COMPLETE NPCI INTERBANK DISPUTE ISOLATION
The checkout environment within storefront code modules is mechanically hard-coded to execute direct P2P UPI Intent payloads. When a consumer initiates a checkout, our software solely hands off the routing sequence to an external banking application (e.g., GPay, PhonePe, Paytm) to drop funds straight into the Vendor's verified merchant bank account.
In strict compliance with National Payments Corporation of India (NPCI) directives effective post-February 28, 2026, all legacy “UPI Collect” push systems are completely deprecated and blocked within our software templates to prevent remote authorization fraud.
DISPUTE ISOLATION: Because absolute zero consumer funds touch our databases, pool accounts, or escrow networks, the Company is technically and legally isolated from all NPCI merchant dispute portals, interbank settlement chargebacks, or automated payment clawbacks. Any retail payment dropouts, double-debits, or transaction delays must be resolved entirely through the consumer's issuing bank or the merchant's acquiring institution.
5. SAAS CHARGEBACK EXPLOITATION SHIELD (ANTI-FRAUD)
Vendors facing automated profile suspension due to verified Acceptable Use Policy (AUP) breaches, IP violations, or regulatory intervention are strictly prohibited from filing bad-faith chargebacks through Razorpay or their credit card issuers under false claims of “service non-delivery.”
Contractual Fulfillment Definition: The Vendor explicitly agrees that an automated system freeze executed by the Platform for security enforcement, tech abuse (scraping/botnets), or platform circumvention does not constitute non-delivery of services. The Platform legally fulfilled its cloud licensing obligations up to the exact millisecond of the merchant's verified breach event.
If a Vendor initiates an unauthorized, malicious SaaS chargeback to bypass a penalty, the Company reserves the absolute legal right to instantly export that Vendor's encrypted system activity logs, IP tracking records, and signed metadata agreements directly to the payment gateway to defeat the claim. The Vendor agrees to be held personally liable to reimburse Vyaparies Technologies for all administrative overhead, gateway dispute fees, and legal counsel costs incurred while defending against the fraudulent chargeback.
6. LIABILITY CAP, ARBITRATION & FORCE MAJEURE EXEMPTION
Force Majeure Downtime Exemption: The Company utilizes external infrastructure (AWS/GCP, Razorpay, NPCI). The Vendor explicitly waives any legal right to claim monetary chargebacks or subscription refunds resulting from unexpected server downtimes, regional internet blackouts, natural disasters, or government regulatory actions.
Binding Arbitration Lock (B2B): Any unresolved financial dispute, SaaS billing calculation error, or contract enforcement claim arising between a Vendor and the Company shall bypass civil courts and be settled strictly through private, binding arbitration under the Arbitration and Conciliation Act, 1996. The seat, sole venue, and exclusive legal jurisdiction of this arbitration shall be irrevocably locked to Satna, Madhya Pradesh, India, presided over by a Sole Arbitrator appointed by the Company.
7. STATUTORY BILLING & FINANCIAL SUPPORT HUB
All compliance notices, structural SaaS billing queries, or technical transaction updates must be routed exclusively to our unified corporate communications hub. Do not contact us regarding retail consumer merchant disputes or physical product refunds, as those emails will be discarded.
Designated Point of Contact: SaaS Billing & Compliance Desk
Legal Entity: Vyaparies Technologies (Sole Proprietorship Framework)
Jurisdictional Seat: Satna, Madhya Pradesh, India
Unified Help Desk: support@vyaparies.com
Timelines: Authorized B2B SaaS billing inquiries or structural account refund reviews will be acknowledged within 24 hours and administratively resolved within 15 working days.