Refund & Cancellation Policy

This Refund & Cancellation Policy applies to payments made through UNIVO360's online payment gateway — for membership fees, registration fees, and event/collection fees collected by an association using the UNIVO360 platform.

UNIVO360 is a technology platform that facilitates bill generation and online payment collection on behalf of each association. The association you are paying is responsible for the service or membership benefit the payment relates to, and for deciding whether a particular fee is refundable. This policy sets out the standard rules that apply across the platform, including for technical/payment-processing issues, which UNIVO360 handles directly.

1. General Policy on Fees

• Membership and registration fees are generally non-refundable once a membership has been approved/activated or a registration fee bill has been marked paid, since this reflects the member's enrollment having taken effect.
• Event and collection fees (e.g. a one-time contribution or event charge raised by the association) are refundable only if the association cancels the event/collection, or as the association's own stated policy for that specific collection allows. Please check with your association for any event-specific refund terms before paying.
• Any refund approved by an association for the above reasons is processed by the association (or, where applicable, through UNIVO360 at the association's instruction) back to the original payment method.

2. Failed, Duplicate, or Erroneous Transactions

These are handled directly by UNIVO360 and our banking partner, regardless of the association's own refund rules above:

• Amount debited but payment not reflected: if your bank account/card was charged but the bill/payment does not show as paid in UNIVO360 within 24 hours, please contact us (details below) with your transaction reference. If the payment did not reach the association, the amount is automatically reversed by the banking channel to your original payment method, typically within 5–7 working days, depending on your bank/card issuer.
• Duplicate payment: if the same bill is accidentally paid twice (e.g. due to a network retry), the duplicate amount will be refunded to the original payment method within 7–10 working days of being confirmed, or credited toward the member's next bill/advance balance at the member's request.
• Payment gateway/bank error: any amount debited due to a verified technical error on the part of the payment gateway or bank (and not reflecting an actual bill payment) is fully refundable.

3. How to Request a Refund

1. For a failed/duplicate/erroneous transaction, email info@ivorytechnologies.com or call +91 90745 05313 with your transaction reference, date, amount, and association name.
2. For a membership, registration, or event fee refund request based on your association's own policy, contact your association's administrator directly — they record and approve refunds for fees they collect.

4. Refund Processing Time

Once a refund is approved, it is initiated back to the original payment method (the same card, bank account, or UPI ID used to pay). Depending on your bank or card network, it may take 5–10 working days to reflect in your account after it is initiated — this timeline is set by banking networks and is outside UNIVO360's control.

5. Non-Refundable Items

• Payment gateway convenience/processing charges, if separately levied and disclosed at the time of payment, are non-refundable even where the underlying fee is refunded.
• Fees for a membership period, event, or benefit that has already been availed are not refundable except as set out above.

6. Cancellations

A bill generated in error can be cancelled/deleted by the association's administrator before payment is made, at no cost. Once a payment has been made against a bill, cancelling the bill does not itself trigger a refund — a refund must be requested and approved per the sections above.

7. Contact Us

For any question about this policy or an unresolved payment issue, contact us at info@ivorytechnologies.com or +91 90745 05313.