Cancellation & Refund Policy

This Cancellation & Refund Policy explains the rules applicable to payments, cancellations, refunds, reversals, and related commission adjustments for users of MyGrowth ("MyGrowth", "we", "us", or "our").

By making a payment or purchasing an eligible product or service through mygrowth.co.in, you acknowledge that you have read and understood this policy.

1. Scope of This Policy

This policy applies to payments made through the MyGrowth website, mobile application, payment gateway, or other authorized payment channels made available by MyGrowth.

Specific products or services may have additional cancellation or refund conditions. Where such conditions are displayed before purchase, those conditions will also apply to the relevant transaction, subject to applicable law.

2. Online Payments

MyGrowth may accept payments through third-party payment gateways such as authorized payment service providers, UPI, cards, net banking, or other supported payment methods.

A payment is considered successful only after confirmation is received from the relevant payment gateway and/or MyGrowth.

Payments that are pending, failed, reversed, cancelled, or disputed may not be treated as completed transactions until successfully settled.

3. Cancellation Before Activation

If a user wishes to cancel a purchase before the applicable product or service has been activated, the user may contact MyGrowth support with the relevant order or transaction details.

Cancellation requests will be reviewed based on the nature of the product or service, transaction status, payment status, and applicable cancellation conditions.

A cancellation request does not automatically guarantee a refund. The request will be processed according to the applicable refund conditions and applicable law.

4. Refund Eligibility

A refund may be considered where:

• A payment was successfully processed but the applicable product or service could not be provided by MyGrowth.
• A duplicate payment was successfully charged for the same transaction.
• A transaction was incorrectly charged due to a technical or processing error attributable to MyGrowth.
• The applicable product or service is eligible for refund under its specific published terms.
• A refund is required under applicable law.

5. Non-Refundable Situations

Subject to applicable law and any specific refund rights applicable to a transaction, refunds may not be available for:

• Services or benefits that have already been fully provided.
• Transactions completed through unauthorized or fraudulent use of an account or payment method.
• Transactions where the user has violated MyGrowth's Terms & Conditions.
• Amounts representing affiliate commissions or referral rewards already credited to a member's account.
• Loss of expected commission, income, profit, or referral earnings.
• Transactions that have already been refunded, reversed, or otherwise settled through a previous dispute process.

6. Refund of Eligible Payments

Once a refund has been approved, MyGrowth will initiate the refund through the applicable payment method or payment gateway, where technically and legally possible.

The actual time required for the refunded amount to appear in the user's bank account, card account, UPI account, or other payment instrument may depend on the payment gateway, bank, card issuer, or financial institution.

MyGrowth is not responsible for delays caused solely by a bank, payment gateway, card network, or other third-party financial institution.

7. Duplicate Payments

If a user believes that the same transaction has been charged more than once, the user should contact MyGrowth support as soon as possible.

After verification of the duplicate transaction, the additional eligible payment may be refunded through the applicable payment channel.

8. Failed or Pending Payments

If money has been deducted from the user's bank account but the MyGrowth transaction shows as failed or pending, the user should provide the transaction reference, order ID, date, and payment details to MyGrowth support.

MyGrowth will verify the payment status with the relevant payment gateway before processing any applicable refund or transaction correction.

9. Chargebacks and Payment Disputes

Users are requested to contact MyGrowth support before initiating a payment chargeback where the issue can reasonably be resolved through MyGrowth's support process.

If a chargeback is initiated, MyGrowth may place the relevant transaction and associated commission on hold while the payment dispute is investigated.

Where a transaction is ultimately reversed or charged back, any commission associated with that transaction may be cancelled or adjusted in accordance with the applicable commission structure.

10. Commission Adjustment After Refund

If a user or customer receives a refund for a transaction that generated an affiliate commission, the related commission may become invalid.

MyGrowth may therefore:

• Cancel pending commission;
• Reverse an approved commission;
• Deduct the amount from the member's wallet balance; or
• Adjust future eligible commission payments where permitted by applicable law.

11. Refund Request Procedure

To request a cancellation or refund, please contact MyGrowth support using the contact information published on our website.

The request should include:

• Registered name;
• Registered email address or mobile number;
• Order ID or transaction ID;
• Date of payment;
• Amount paid; and
• Reason for the cancellation or refund request.

Providing complete information helps us investigate and process the request efficiently.

12. Refund Processing Time

Once a refund is approved, MyGrowth will initiate the applicable refund within a reasonable processing period.

The time taken for the refund to reach the original payment method may vary depending on the payment gateway, bank, card issuer, UPI provider, or other financial institution.

13. Fraudulent Transactions

MyGrowth reserves the right to investigate transactions suspected of fraud, unauthorized use, abuse, manipulation, or other prohibited activity.

Where appropriate, transactions may be placed on hold while an investigation is conducted.

Any action taken will be subject to applicable law and the circumstances of the transaction.

14. Promotional Offers

Promotional offers, discounts, bonuses, and special campaigns may have separate cancellation and refund conditions.

Where a refund is issued for a promotional transaction, any promotional discount or benefit may be adjusted where permitted under the terms of the applicable promotion.

15. Changes to This Policy

MyGrowth may update this Cancellation & Refund Policy from time to time to reflect changes in our services, payment processes, business practices, or applicable legal requirements.

The latest version will be published on the MyGrowth website with the applicable effective date.

16. Applicable Law

This Cancellation & Refund Policy shall be interpreted in accordance with applicable laws of India.

Nothing in this policy is intended to restrict any consumer right or remedy that cannot legally be excluded or restricted.

17. Contact Us