Sapehive Refund & Cancellation Policy

Effective Date: 2nd July 2026 Last Updated: 2nd July 2026

Important: Visible placeholders must be completed before publication. Commercial settings in the cancellation matrix must be approved by the founders and checked against the actual payment flow.

Document Use and Legal Review

This draft is designed for Sapehive, an Indian online marketplace that helps clients discover and book independent photographers, videographers, cameramen, video editors, photo editors and other creative professionals. It assumes that Sapehive facilitates discovery, booking, communication, payment support and file delivery, while the creator ordinarily performs the actual creative service as an independent professional.

This policy should be published only after Sapehive confirms its legal entity, payment structure, fee model, refund operations, grievance contacts and jurisdiction. It should be read with Sapehive’s Terms and Conditions, Client Agreement, Creator Agreement and Privacy Policy. A qualified Indian legal professional should review the final version before launch.

Sapehive Refund & Cancellation Policy

1. Introduction, Scope and Priority of Law

Effective Date: 2nd July 2026 | Last Updated: 2nd July 2026

This Refund & Cancellation Policy explains how booking cancellations, rescheduling requests, failed payments, service complaints and refunds are handled on Sapehive. It applies to clients, creators and any other user who makes, receives or participates in a booking through the Website, App or another official Sapehive interface.

This Policy forms part of Sapehive’s contractual framework and must be read together with the Terms and Conditions, Creator Agreement, Client Agreement, Privacy Policy and any booking-specific terms displayed before payment. Booking-specific terms may supplement this Policy but must not reduce mandatory consumer rights or introduce hidden, unfair or one-sided charges.

Where this Policy conflicts with applicable law, including non-excludable consumer rights, applicable law will prevail. Nothing in this Policy limits a user’s right to approach a competent consumer commission, court, regulator, bank, payment provider or other lawful authority.

2. Definitions

An Accepted Booking and a Confirmed Booking are different. Creator acceptance indicates willingness to perform; confirmation ordinarily requires successful payment or advance payment and an on-platform confirmation message.

3. Sapehive’s Role

Sapehive provides technology that helps Clients discover, compare, communicate with and book independent Creators. The Creator ordinarily performs the actual Service. Sapehive may facilitate communication, booking, payment collection, payment splitting or release, dispute support and file delivery through authorised providers such as payment gateways, Google Drive, Cloudflare R2, ImageKit or similar systems.

Creators are not employees, agents, franchisees or partners of Sapehive merely because they use the Platform. Sapehive is not automatically responsible for every independent act, delay or omission of a Creator. However, nothing in this Policy excludes a responsibility that Sapehive has under applicable law, including duties relating to its own representations, payment handling, platform operations, grievance mechanism or unfair trade practices.

Refund eligibility will be assessed using factors such as who caused the cancellation, whether work or travel had started, the amount of work completed, disclosed non-recoverable expenses, the agreed scope, evidence submitted, service deficiency and mandatory legal rights. The process is intended to protect Clients from unfair deductions while ensuring Creators are reasonably paid for proven work and costs.

4. Booking and Payment Confirmation

• A pending Booking Request may ordinarily be withdrawn without charge before Creator acceptance, unless the Client separately purchased a clearly disclosed third-party item that cannot be cancelled.
• Creator acceptance does not itself mean that payment succeeded or that the booking is fully reserved.
• A booking becomes Confirmed only when the required payment is successfully completed and the Platform displays confirmation.
• Before payment, Sapehive will seek to display the service scope, date, time, location, Creator identity, deliverables, price, taxes, Platform or convenience fees, advance terms and material cancellation conditions.
• The Client should verify all details before confirming. Unsuccessful, timed-out or pending payments do not normally confirm a booking.
• Where an account is debited but no booking confirmation appears, the transaction will be treated as failed or pending and investigated separately from a merchant-approved refund.

5. Cancellation by the Client

A Client may request cancellation through the booking page or [SUPPORT EMAIL]. The refundable amount depends on the stage of the booking. No amount will be deducted merely because the Client clicked a cancellation button. Deductions must be connected with an actual, disclosed and reasonable basis.

Sapehive will distinguish genuine cancellation compensation from actual non-recoverable expenses, completed work, Platform or processing fees and penalty-like charges. An excessive penalty will not be relabelled as a “processing fee.” Any deduction will be itemised.

5.1 Recommended Cancellation Matrix

These percentages are commercial recommendations, not statutory rates. Sapehive must approve the final settings and configure the checkout so the applicable rule is visible before payment.

6. Cancellation by a Creator

• A Creator may reject a pending request without charging the Client.
• If a Creator becomes unavailable before payment, the request will close without a service charge.
• If a Creator cancels a Confirmed Booking without a valid Client-caused reason, the Client will ordinarily receive a refund of the amount paid for the unprovided Service, including fees that would otherwise leave the Client paying for a cancelled booking.
• Sapehive may offer to help locate another Creator, but replacement is subject to availability and is never compulsory.
• A Client will not be required to accept a replacement Creator with a different price, portfolio, rating, skill, location or scope.
• Creator no-show, excessive lateness that makes the Service useless, early departure, preventable equipment failure or incomplete performance may justify full or partial refund and account action.
• Illness, accident or genuine emergency will be assessed compassionately, but the Client’s refund rights for an unprovided Service remain.
• Repeated confirmed-booking cancellations may lead to warnings, reduced visibility, temporary restriction, suspension or removal, applied proportionately and after review.

Verified and reasonably foreseeable Client losses may be considered where applicable law, the booking terms and available evidence support a remedy. This Policy does not promise unlimited, consequential or automatic compensation.

7. Cancellation or Suspension by Sapehive

Sapehive may cancel, hold or suspend a booking for suspected fraud, payment failure, safety risk, an illegal request, duplicate booking, genuine technical pricing error, account suspension, rule violation, technical failure, legal requirement or emergency. Sapehive will provide a reason where reasonably possible, except where disclosure could create a safety, fraud-prevention, security or legal risk.

If Sapehive unilaterally cancels a valid paid booking without fault of the Client, the Client will ordinarily receive a full refund of all amounts collected for the cancelled booking. Sapehive will not impose a one-sided cancellation consequence on the Client. Where a comparable Client cancellation would have attracted a Cancellation Charge, Sapehive should adopt a corresponding remedy for its own unilateral cancellation, such as an equivalent service credit or other fair compensation approved in the Founder Decision Table, subject to law and the circumstances.

If cancellation results from Client fraud, illegality, unsafe conduct, non-payment or material breach, refund treatment may differ after an evidence-based review.

8. Rescheduling Policy

• Either party may request rescheduling through the Platform, but no change is approved until both parties confirm it on-platform.
• Neither party may unilaterally change the date, time, location or essential scope of a Confirmed Booking unless this Policy or applicable law permits it.
• Sapehive recommends allowing [RESCHEDULING LIMIT] no-fee rescheduling request if made at least [RESCHEDULING NOTICE PERIOD] before the Service and if no non-recoverable cost has arisen.
• The new date should ordinarily fall within [RESCHEDULING COMPLETION PERIOD] of the original date, unless the parties agree otherwise.
• If the Creator is unavailable on the new date, the Client may choose another mutually acceptable date, a different Creator, or cancellation under the applicable stage.
• If the Client rejects reasonable alternatives, the request may be treated as a Client cancellation based on the original schedule.
• Proven travel, rental, permit or preparation costs already incurred may remain payable.
• Repeated postponement may be treated as cancellation after clear warning.
• Wedding or event-date changes should be handled by priority rescheduling; where the Creator cannot attend the new date, deductions should be limited to proven work and non-recoverable costs.

9. No-Show, Delay and Location Problems

9.1 Client No-Show or Client-Caused Access Problem

A Client no-show may include absence, an inaccessible location, incorrect address, inability to contact the Client, denied entry, missing venue permissions, unsafe conditions or excessive Client-caused delay. The Creator should make reasonable contact attempts and wait for [NO-SHOW WAITING TIME] unless the booking, event timing or safety circumstances require a different response.

Reasonable evidence may include in-platform messages, call logs, time-stamped photographs, booking details, travel receipts, venue communications and GPS or location records voluntarily generated for the booking. Sapehive will not require invasive, continuous or unlawful tracking.

9.2 Creator No-Show, Late Arrival or Early Departure

Where the Creator does not arrive, does not communicate, arrives so late that the Service is no longer useful, or leaves without completing the agreed work, the Client may receive re-performance, replacement, partial refund or full refund depending on the effect of the failure. The Creator will have a reasonable opportunity to provide evidence of an emergency, Client-caused delay or circumstances outside the Creator’s control.

10. Editing and Other Digital Creative Services

• Before Raw Files are shared: cancellation will normally qualify for a full refund of the service amount.
• After Raw Files are shared but before meaningful download or review: only a small, justified administrative or preparation amount may be deducted, if disclosed and actually incurred.
• After downloading begins: downloading alone is not proof of substantial work; the review will consider whether the files were usable and whether meaningful project work commenced.
• After editing begins: the Creator may retain the value of completed work, agreed milestones and reasonable non-recoverable costs.
• After a draft is submitted: refund treatment will consider the draft’s completion level, compliance with instructions and remaining revisions.
• During revisions: included revisions must be distinguished from new scope. Extra revision requests may be priced only after clear approval.
• After final delivery: properly completed customised work is normally not refundable, subject to genuine deficiency, missing deliverables or other legal rights.
• Unusable, corrupted, incomplete or unsupported Client files may pause the project. The Creator should promptly explain the issue and request replacements.
• Missing instructions or delayed feedback may extend delivery. After [CLIENT RESPONSE PERIOD] of non-response and reminders, the project may be marked paused or abandoned under disclosed terms.
• Scope changes, new aspect ratios, extra videos, substantial redesigns or additional revisions require a written change confirmation and price impact before work continues.
• Project abandonment will be resolved by valuing completed milestones fairly; merely opening a file or sending an automated message is not substantial completion.

11. Photography, Videography and Event Services

For physical-location Services, refund calculations may consider equipment preparation, disclosed equipment rental, assistant or second-shooter bookings, studio deposits, travel bookings, permit charges and venue fees. Only clearly disclosed, reasonably evidenced and genuinely non-recoverable costs should ordinarily be deducted, subject to applicable law.

• Weather, venue restrictions, event postponement and location changes should be addressed first through reasonable rescheduling or scope adjustment.
• Client-requested overtime or location changes require the Creator’s agreement and clear additional pricing.
• The Client is responsible for venue access and permissions that were expressly assigned to the Client. The Creator remains responsible for permissions or equipment obligations expressly assigned to the Creator.
• Lack of electricity, internet, lighting or safe access will be assessed according to the confirmed requirements and which party controlled the condition.
• A Creator may stop work in unsafe or unlawful conditions after reasonable warning where possible. Refund treatment will consider work completed, cause and evidence.
• Partial completion caused by circumstances outside the Creator’s reasonable control may lead to a partial refund, rescheduling, credit or alternative delivery rather than automatic full forfeiture.

12. Service Deficiency and Quality Complaints

A remedy may be available where the Creator does not provide the agreed Service, materially departs from the Confirmed Booking, misses a critical event through fault, fails to deliver, loses files through negligence, supplies technically unusable output, provides fewer deliverables than agreed, uses misleading portfolio content or causes material unjustified delay.

Objective deficiency is different from subjective preference. Subjective issues may include a later dislike of an editing style that matched the displayed portfolio, a change in creative preference after completion, an expectation of an undisclosed deliverable or dissatisfaction with personal appearance despite technically proper work. These examples do not automatically defeat a complaint; Sapehive will review whether the booking description, communications and delivered result created a reasonable expectation.

Depending on severity, evidence, work completed and applicable law, a remedy may include correction, re-edit, additional delivery, re-performance where reasonably possible, partial refund, full refund, service credit or another mutually agreed resolution. Sapehive will not reject every complaint merely because creative work involves judgement.

13. Refund Eligibility

13.1 Situations That May Qualify for a Full Refund

• Creator cancellation before Service Commencement without Client fault.
• Creator no-show or failure to provide the Service.
• Duplicate payment or payment caused by a confirmed Platform error.
• A Confirmed Booking that cannot be fulfilled.
• Material service failure making the booked purpose substantially unavailable.
• Other circumstances where applicable law requires a full refund.

13.2 Situations That May Qualify for a Partial Refund

• Part of the Service or an editing milestone was completed.
• Reasonable, disclosed and evidenced non-recoverable expenses were incurred.
• The Service was partially deficient or only some deliverables were missing.
• The parties agree to a partial settlement.

13.3 Situations Where Refund May Be Limited or Unavailable

• The Service was fully and properly completed within the agreed scope.
• Final customised deliverables were accepted or downloaded and no genuine deficiency is shown.
• The Client cancels after substantial customised work is completed.
• The Client no-shows or prevents performance.
• The Client gives unlawful, unsafe or impossible instructions, materially changes scope, or fails to provide required files, permissions or cooperation.
• The claim is fraudulent, fabricated or seeks duplicate recovery after service receipt.

Every no-refund or limited-refund outcome remains subject to mandatory consumer rights and review of genuine service-deficiency claims.

14. Fees, Taxes and Deductions

Where deductions are made, Sapehive will provide an itemised refund breakdown. GST and other taxes will be adjusted through invoices, credit notes or refund records where applicable. Completed milestones will not be retrospectively overpriced merely to eliminate a refund.

15. Failed, Pending, Duplicate and Unauthorised Payments

Payment problems are not all refunds. A merchant refund is initiated after a successful payment and an approved refund decision. A reversal returns a transaction that did not complete correctly. A failed-transaction auto-reversal is handled through the bank, UPI system, card network or payment provider. A chargeback is a payment dispute raised through the Client’s bank or payment instrument provider.

• Account debited but booking not confirmed: Sapehive will check whether funds reached Sapehive or the payment provider and will assist with reconciliation.
• UPI or card payment pending: the booking remains unconfirmed unless the Platform later records successful payment.
• Duplicate debit: the duplicate amount will be refunded or reversed after verification.
• Gateway timeout: Sapehive will reconcile transaction identifiers before asking the Client to pay again.
• Amount credited to Sapehive but booking failed: Sapehive will either confirm the booking with consent or initiate refund.
• Amount not credited to Sapehive: the Client may need to follow the bank or payment provider’s failed-transaction process.
• Unauthorised payment: the Client should immediately notify the bank/payment provider and Sapehive. Sapehive will not ask for a PIN, CVV or OTP.
• Chargeback: Sapehive may pause a duplicate refund while the payment dispute is active and may provide legitimate booking evidence to the provider.

Failed-payment reversals may follow timelines prescribed for the relevant payment rail. Sapehive cannot guarantee the exact date on which a bank, UPI provider, card issuer or payment gateway credits the Client’s account.

16. How to Request Cancellation or Refund

1. Log in to the Sapehive account.
2. Open the relevant booking.
3. Select “Cancel Booking” or “Request Refund.”
4. Choose the reason that best describes the request.
5. Upload relevant evidence where reasonably necessary.
6. Submit the request.
7. Keep the acknowledgement and tracking information.
8. Cooperate with reasonable investigation requests.

If the dashboard is unavailable, email [SUPPORT EMAIL]. Provide the full name, registered phone or email, Booking ID, Creator name, Service date, payment reference, cancellation reason, amount requested and relevant evidence. Never send a card PIN, CVV, OTP or internet-banking password. Sapehive will not request such information.

17. Refund Review Process

Sapehive may review the Confirmed Booking, payment records, messages, scope, Creator acceptance, location evidence, file-transfer logs, draft and delivery records, work completed and actual costs. Both parties will have a reasonable opportunity to respond. Requests for evidence will be proportionate and privacy-conscious.

Decisions will be made reasonably, consistently, in good faith and subject to applicable law. Sapehive will not rely on unlimited discretion. The decision message should state the approved amount, deductions, reasons, evidence considered and available escalation route.

18. Review and Refund Timelines

Consumer grievances will be acknowledged within the legally applicable period and targeted for redress within the applicable legal timeline. Approved refunds will ordinarily be returned to the original payment method. An alternate method may be used only where necessary, lawful and verified. Cash refunds are not promised unless Sapehive expressly supports them.

Bank or gateway settlement delays may be outside Sapehive’s control. If an approved refund is not received after the stated settlement period, the Client should contact [SUPPORT EMAIL] with the refund reference number.

19. Promotional Credits, Coupons and Discounts

• The cash-paid amount and promotional value will be shown separately in a refund calculation.
• A lawful cash refund will not be removed merely because a coupon was used.
• Whether a coupon is restored depends on its disclosed terms, expiry and funding source.
• Promotional credits and referral rewards are normally not withdrawable as cash unless expressly stated.
• For a partial refund, the cash and promotional components may be allocated proportionately unless the offer terms require a fairer method.
• Sapehive-funded and Creator-funded discounts may be adjusted according to who bears the discount, but the Client will receive a clear explanation.

20. Packages, Milestones and Partial Services

For multi-day events, wedding packages, monthly editing plans, multi-video packages, photography-plus-editing bundles, milestone projects and any Creator subscription offered in the future, the refundable amount will be calculated from completed milestones, delivered items, work in progress, non-recoverable costs and the remaining unperformed Services.

A package discount tied to completion of the full package may be recalculated only using a transparent and reasonable method disclosed before purchase. Sapehive and Creators will not retrospectively inflate completed milestone prices merely to erase the refund. If a milestone price was not agreed, a fair value will be estimated using scope, completion percentage, reasonable hours and comparable booking prices.

21. Force Majeure and Emergencies

A Force Majeure Event may include natural disaster, severe weather, flood, earthquake, government restriction, curfew, transport shutdown, venue closure, major infrastructure outage, serious illness, accident or public emergency that genuinely prevents performance.

The parties should prioritise reasonable rescheduling where the booked purpose can still be achieved. If rescheduling is not practical, the remedy may be a refund, partial refund or credit after deducting only proven work and non-recoverable costs. Force majeure does not cover avoidable negligence, routine equipment failure, predictable maintenance problems or poor planning.

22. Fraud, Abuse and Policy Misuse

Sapehive may investigate false claims, fabricated evidence, repeated abusive cancellations, chargeback after service receipt, attempts to obtain both a refund and completed deliverables, harassment, payment fraud, account manipulation or collusion. Action may include warning, evidence request, refund hold, feature restriction, suspension or closure.

Any action will be proportionate, evidence-based and subject to applicable law. A genuine complaint or lawful payment dispute will not be treated as abuse merely because the user seeks a remedy.

23. Chargebacks and Payment Disputes

• Users should contact Sapehive before initiating a chargeback where reasonably possible, so the issue can be investigated quickly.
• A chargeback does not automatically decide the underlying service dispute.
• Sapehive may provide accurate booking, communication, payment and delivery evidence to the bank or payment provider.
• Sapehive will not threaten or punish a user merely for exercising lawful payment-dispute rights.
• Duplicate recovery is not permitted. If both a refund and chargeback are received for the same amount, the duplicate may be recovered through lawful means.

24. Grievance Redressal

A grievance should include the Booking ID, contact details, summary, requested remedy and supporting evidence. Users may exercise all legal remedies available under applicable law and may approach an appropriate consumer commission, e-Jagriti or other competent grievance or dispute-resolution authority. Nothing in this Policy unlawfully restricts access to courts, consumer commissions or regulators.

25. Disputes Between Clients and Creators

Clients and Creators should first attempt resolution through the Sapehive dispute system. Sapehive may facilitate communication, request evidence and issue a Platform-level refund decision where it controls the payment. Sapehive does not act as a court, arbitral tribunal or judicial authority. Users retain remedies available under applicable law, and this section must be read with the dispute-resolution provisions in the Terms and Conditions.

26. Changes to this Policy

Updated versions will be published on the Website with a revised effective date. Material changes may also be communicated through email, account notification or another reasonable method. Unless law requires otherwise, the version displayed when a Confirmed Booking was made will ordinarily govern that booking. A later update will not unfairly remove rights already attached to an existing booking. Sapehive should maintain an archived version or version history where practicable.

27. Governing Law and Jurisdiction

This Policy is governed by the laws of India. Subject to applicable consumer-protection law and the jurisdiction of legally competent authorities, disputes will be subject to [JURISDICTION]. Nothing in this clause prevents a consumer from approaching a consumer commission, court or authority that has jurisdiction under applicable law.

28. Contact Information

Additional Output 1: Founder Decision Table

Additional Output 2: Cancellation and Refund Matrix

Additional Output 3: Short Website Summary

Sapehive helps clients book independent photographers, videographers, cameramen, video editors, photo editors and other creative professionals. You may cancel a pending booking request before the creator accepts it without a service cancellation charge. If the creator has accepted but payment has not been completed, you may ordinarily withdraw the request without a monetary deduction. After payment, the refundable amount depends on how close the cancellation is to the service date and whether the creator has already reserved time, travelled, rented equipment, downloaded files, started editing or completed part of the work.

Where no meaningful preparation or work has started and you cancel within [FULL REFUND WINDOW], Sapehive will ordinarily provide a full refund, subject to any lawful and clearly disclosed exception. For later cancellations, only reasonable and itemised deductions may apply. These may include proven non-recoverable travel, equipment, venue or permit costs, genuine compensation for reserved time, or the value of customised work already completed. Sapehive will not use hidden or excessive penalty-like charges, and payment-processing or Platform fees will not be treated as automatically non-refundable.

If a creator cancels a confirmed booking, does not arrive or cannot provide the agreed service for reasons not caused by you, you will ordinarily receive an appropriate refund for the unprovided service. Sapehive may help you search for another creator, but a replacement is not guaranteed and you do not have to accept one. Genuine service-deficiency complaints, missing deliverables and technically unusable output remain reviewable even after delivery.

To request cancellation or a refund, sign in, open the booking, select “Cancel Booking” or “Request Refund,” choose a reason and upload relevant evidence. If the dashboard is unavailable, contact [SUPPORT EMAIL] with your Booking ID and payment reference. Sapehive recommends acknowledging requests immediately and no later than [ACKNOWLEDGEMENT PERIOD], deciding ordinary cases within [DECISION PERIOD], and initiating an approved refund within [REFUND INITIATION PERIOD]. Your bank, card issuer, UPI provider or payment gateway may take an additional [BANK SETTLEMENT PERIOD] to credit the amount. For unresolved complaints, contact [GRIEVANCE OFFICER EMAIL].

Additional Output 4: Booking Checkout Disclosure

Display this text immediately above an unticked checkbox on the payment or booking-confirmation page:

The checkbox must not be pre-ticked. The applicable cancellation summary and all material fees should be available before the Client confirms payment.

Additional Output 5: Cancellation Confirmation Message

Confirmation text: “Please review the estimated refund before cancelling. The final refundable amount may change only after a reasonable, evidence-based review. Any change will be explained in an itemised decision. Mandatory consumer rights remain unaffected.”

Buttons: [Confirm Cancellation] [Go Back]

Additional Output 6: Refund Status Labels

Additional Output 7: Internal Refund Review Checklist

• ☐ Verify the requesting user and registered contact details.
• ☐ Confirm Booking ID, Service date, Creator and booking status.
• ☐ Confirm payment status: successful, pending, failed, reversed, duplicate, refunded or charged back.
• ☐ Verify Creator acceptance and confirmation time.
• ☐ Determine whether material work, travel or preparation commenced.
• ☐ Review disclosed and evidenced travel, equipment, assistant, studio, permit or venue costs.
• ☐ Review digital-file activity without treating mere access as substantial completion.
• ☐ Record drafts, milestones, deliverables and percentage of usable work completed.
• ☐ Review in-platform messages and relevant communications from both parties.
• ☐ Validate supporting evidence and reject invasive or unnecessary evidence requests.
• ☐ Apply the correct cancellation window and booking-specific disclosure.
• ☐ Assess objective service deficiency and relevant subjective expectations fairly.
• ☐ Calculate refund, Creator compensation, fees, taxes and itemised deductions.
• ☐ Prepare GST invoice/credit note or refund record where applicable.
• ☐ Obtain the required approval authority under the internal refund limit matrix.
• ☐ Send a reasoned user communication with escalation details.
• ☐ Record refund initiation date, method and reference number.
• ☐ Close the case only after recording final status, evidence retention and any Creator/account action.

Final Legal Quality Check

• ✓ Terminology and refund stages have been checked for internal consistency.
• ✓ Client, Creator and Sapehive cancellations are treated through cause, work completed and evidence rather than one-sided forfeiture.
• ✓ Mandatory consumer rights and access to consumer authorities are preserved.
• ✓ Merchant refunds, failed-payment reversals and chargebacks are distinguished.
• ✓ Creator independence and Sapehive’s marketplace role are stated without using a blanket liability exclusion.
• ✓ Service-deficiency complaints and customised work are both handled through proportional remedies.
• ✓ Deductions require disclosure, reasonableness, evidence and an itemised calculation.
• ✓ Grievance contacts and company details remain as visible placeholders where not confirmed.
• ✓ No company registration, GST, licence, address or employee relationship has been invented.

Legal References Reviewed (Internal Drafting Basis)

• Consumer Protection Act, 2019 – India Code: Official source
• Consumer Protection (E-Commerce) Rules, 2020 – Department of Consumer Affairs: Official source
• Consumer Protection (E-Commerce) (Amendment) Rules, 2021 – Department of Consumer Affairs: Official source
• RBI – Harmonisation of Turn Around Time for Failed Transactions: Official source
• RBI – Guidelines / discussion on Payment Aggregators and merchant refund policies: Official source
• National Consumer Helpline: Official source
• e-Jagriti consumer dispute platform: Official source

Drafting Note

“Drafting Note: This document is a technology-assisted policy draft based on the business information provided. Sapehive should have the final version reviewed by a qualified Indian legal professional before publication, particularly the cancellation matrix, platform-fee treatment, payment-flow structure, grievance details and jurisdiction clause.”