Refund and Cancellation Policy

This Refund and Cancellation Policy (“Policy”) outlines the terms and conditions for refunds, cancellations, replacements, and returns for gift cards and vouchers purchased through saveit, operated by Affluenceit Fintech Pvt. Ltd. By purchasing gift cards through saveit (https://saveit.in), you acknowledge and agree to the terms set forth in this Policy. Important: Gift cards are digital products governed by issuing brand terms. Refund eligibility depends on brand policies, voucher status, and applicable laws.

• Gift Card / Voucher: A prepaid digital card redeemable at participating brands • Issuing Brand: The merchant issuing the gift card • Order: A purchase request made on saveit • Delivered Voucher: Successfully sent to registered email/mobile • Activated Voucher: Issued with a valid code/PIN • Redeemed Voucher: Fully or partially used • Expired Voucher: Past validity period • saveit Wallet: Prepaid wallet balance on the saveit platform

3.1 Standard Refund Terms Gift cards are generally non-refundable and non-exchangeable after delivery, except as explicitly stated. • Refunds are processed only for valid, documented cases • Requests must be submitted within defined timelines • All requests are subject to verification • Refunds depend on issuing brand policies and applicable law • saveit reserves the right to approve or reject any request 3.2 Non-Refundable Situations • Expired vouchers • Redeemed or partially redeemed vouchers • Lost, shared, or misplaced codes • User errors (wrong brand, denomination, or recipient) • Change of mind after delivery • Issuing brand system issues • Promotional or discounted purchases (unless stated) • Corporate or bulk orders with separate agreements • Resale or commercial use attempts

4.1 Payment Issues Payment debited but order not confirmed: • Contact [email protected] within 24 hours • Resolution time: 3–5 business days • Refund to original method or saveit Wallet Duplicate payment: • Report with transaction IDs • Resolution time: 5–7 business days Payment gateway error: • Auto-reversal expected within 5–7 business days • If not reversed, contact support with bank proof 4.2 Order & Delivery Issues Voucher not delivered: • Check spam, account dashboard, and resend option • Replacement or refund if delivery fails Wrong brand or denomination delivered: • Must be reported within 24 hours • Voucher must not be revealed or used • Replacement provided 4.3 Technical Issues Invalid voucher code at first use: • Report within 24 hours with screenshots • Replacement or refund after verification 4.4 Fraud & Security Unauthorized transaction: • Report within 24 hours to [email protected] • Voucher must not be redeemed • Investigation time: up to 14 business days

5.1 Before Voucher Delivery • Cancellable within 5 minutes of order placement • Only if voucher not generated or activated • Full refund if payment processed 5.2 After Voucher Delivery Cancellations are not allowed after voucher delivery, except in eligible refund scenarios.

6.1 Refund Methods • Original payment method: 3–7 business days • saveit Wallet: Instant credit + 2% bonus 6.2 Partial Refunds Partial refunds may apply for partial value delivery or multi-item orders. Refund amount is calculated after discounts and applicable charges.

Each brand has independent redemption and refund rules. saveit facilitates resolution but cannot override brand policies.

• Expired vouchers are non-refundable • Lost or stolen vouchers are not replaceable unless unused • Promotional purchases may carry additional restrictions • Corporate orders are governed by separate agreements

Requests can be raised via: • Account dashboard (recommended) • Email: [email protected] • In-app support chat

• Customer Support: [email protected] • Escalations: [email protected] • Grievance Officer: [email protected]

This Policy is governed by Indian law, including the Consumer Protection Act, 2019, Information Technology Act, 2000, and applicable RBI guidelines.

Updates will be posted on https://saveit.in. Continued use constitutes acceptance.

Affluenceit Fintech Pvt. Ltd. Email: [email protected] Business Hours: Monday–Saturday, 9:00 AM – 7:00 PM IST