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Policy Sections

Chargeback Policy

SevenUnique Tech Solutions Private Limited
Website: www.sevenuniques.com
Email: info@7unique.in
Phone: 0141-4511098
Effective Date: 03 June 2025

Purpose

The Chargeback Policy of SevenUnique Tech Solutions Private Limited outlines the procedures for handling chargebacks initiated by customers, distributors, retailers, or white-label partners. It ensures fair, transparent, and respectful dispute resolution for unauthorized or disputed transactions. This policy applies to all digital and utility services offered on www.sevenuniques.com, including:
  • BBPS bill payments (electricity, gas, water, etc.)
  • AEPS/DMT transactions (Aadhaar Enabled Payment System & Domestic Money Transfer)
  • Mobile, DTH, and data card recharges
  • Loan applications and processing
  • Insurance services
  • Credit card bill payments
  • pancard applications
  • Subscription-based services
  • Any other digital financial or utility service offered on the platform

Scope of Chargeback Policy

This policy covers all types of chargebacks, including:
  • Unauthorized transactions: initiated without user consent or approval.
  • Duplicate transactions: payments mistakenly processed multiple times.
  • Disputed transactions: services not delivered or not as promised.
  • Technical or system errors: failed transactions due to server downtime, API errors, or third-party integration issues.
It applies to all users, distributors, retailers, and white-label partners, outlining their rights and responsibilities when disputing a transaction.

Client Responsibilities

Before initiating a chargeback, users must:
  • Contact SevenUnique Support at info@7unique.in or 0141-4511098 to resolve the issue directly.
  • Provide complete information including Transaction ID, registered mobile number, service type, date, and description of the issue.
  • Allow adequate time for the company to investigate and resolve the issue.
  • Act in good faith; malicious or false claims may lead to account suspension, flagging, or legal action.
Failure to comply may result in delays or denial of chargeback claims.

Company Responsibilities

SevenUnique is committed to:
  • Transparent Investigation: All chargeback requests reviewed fairly and thoroughly.
  • Prompt Response: Users receive acknowledgment within 24–48 hours.
  • Documentation: Maintains detailed records of transactions, communications, and service delivery.
  • Cooperation with Payment Providers: Provides necessary evidence and documentation for chargebacks through banks or payment gateways.
  • Resolution Updates: Users are informed at every stage of the investigation.

Chargeback Procedures

5.1 Initiating a Chargeback
  • Users must first submit a written request to info@7unique.in, providing all relevant details of the disputed transaction.
  • The support team will review the request and verify the transaction against internal records and third-party service confirmations.
  • If required, additional documentation or clarification may be requested from the user.
5.2 Verification Process
  • Transaction Confirmation: The transaction will be verified against the payment gateway, bank, or third-party provider records.
  • Service Delivery Check: Verification of whether the requested service was delivered, partially delivered, or failed.
  • Communication Logs: Review of prior communication between the user and the company to understand the context of the dispute.
  • Third-Party Consultation: If the service is dependent on a third-party API, bank, or utility provider, verification may involve coordination with them.
5.3 Resolution
  • Approved Chargebacks: If the chargeback is valid, a refund will be processed to the original payment method within 5–10 business days, subject to banking and payment gateway timelines.
  • Denied Chargebacks: If the chargeback is found invalid or unsupported, the user will be notified in writing with the reasons for denial.
  • Partial Chargebacks: In cases where partial services were delivered, a pro-rated resolution may be provided.

Consequences of Unnotified Chargebacks

  • Initiating a chargeback without contacting SevenUnique constitutes a policy violation
  • Accounts may be suspended, restricted, or permanently banned.
  • Repeated offenses may result in legal action to recover losses or damages.

Timeline for Chargeback Resolution

  • Initial Acknowledgment: 24–48 hours from receipt of dispute.
  • Investigation Period: Typically 5–10 business days depending on complexity.
  • Final Resolution: Users receive written confirmation of outcome and refund timeline.

Special Considerations for Utility and Digital Services

  • Real-time BBPS, AEPS/DMT, mobile/DTH recharges, and PAN applications are non-reversible once executed.
  • Refunds or chargebacks only for technical failures or system errors.
  • Subscription services: future cycles may be canceled, prepaid amounts for completed periods are non-refundable unless explicitly stated.
  • Third-party dependencies like banks, APIs, and utility providers may affect timing and resolution.

Data Security and Privacy

All chargeback and transaction data is:
  • Encrypted and securely stored in compliance with IT Act 2000 and privacy laws.
  • Access-controlled, limited to authorized personnel.
  • Used solely for dispute resolution, verification, and regulatory compliance.

Communication & Support

Users can contact support:
  • Email: info@7unique.in
  • Phone: 0141-4511098 (Mon–Sat, 10:00 AM–6:30 PM IST)
  • Include Transaction ID, registered mobile number, service type, and issue description for faster resolution.

Responsibilities of Users and Partners

Users must:
  • Provide accurate and complete information during dispute submission.
  • Follow official channels for chargeback requests.
  • Avoid unnotified or malicious chargebacks.
  • Cooperate during the investigation process.

Responsibilities of SevenUnique Tech Solutions

SevenUnique must:
  • Review chargeback requests fairly and transparently.
  • Maintain documentation and evidence for all transactions.
  • Provide guidance and support throughout the dispute process.
  • Process approved chargebacks securely and promptly.

Conclusion

This Chargeback Policy ensures fairness, transparency, and accountability in dispute handling across SevenUnique’s services. Following these procedures helps maintain trust, operational integrity, and compliance.

Policy Summary

  • Chargebacks should be raised via your bank
  • Contact support first for faster resolution
  • Refunds processed within 5–10 business days
  • Non-refundable services include used or customized items

Frequently Asked Questions

How do I request a chargeback?

Chargebacks must be requested through your payment provider. However, reaching out to us first may resolve the issue faster.

What if I cancel after the allowed window?

Cancellations after the eligibility window are not refundable, except in rare technical or service failure cases.

How long until I receive my refund?

Approved refunds take 5–10 business days to reflect in your account, depending on your bank or payment provider.