My Rewards Pay

REFUND & CANCELLATION POLICY

MyRewardsPay

Effective Date: 18/08/2026

MyRewardsPay is a digital platform owned and operated by NR12 Brands Marketing Private Limited ("Company", "we", "our", or "us").

This Refund & Cancellation Policy explains the rules applicable to cancellations, refunds, reversals, failed service requests, duplicate transactions, subscription-related requests, shopping orders, travel bookings, and other eligible services available through the MyRewardsPay Platform.

By accessing or using MyRewardsPay, you acknowledge and agree to this Refund & Cancellation Policy.

1. GENERAL POLICY

MyRewardsPay provides access to various digital services through its Platform. Some services are fulfilled directly through the Platform, while others may be fulfilled through authorised third-party service providers.

Because different services have different processing and fulfilment conditions, refund and cancellation eligibility may vary depending on the service involved.

A request may not be cancelled or refunded once the relevant service has been successfully processed or fulfilled, except where a refund or reversal is permitted under the applicable service conditions or required by law.

2. CANCELLATION OF SERVICE REQUESTS

Users should carefully verify all information before submitting a service request.

This may include:

Mobile number;
Customer number;
Consumer number;
Account number;
Service provider;
Booking details;
Travel details;
Product details;
Quantity;
Amount;
Other relevant information.

Once a service request has been submitted and processing has started, cancellation may not be possible.

If cancellation is available for a particular service, the applicable cancellation conditions will be displayed or communicated to the user.

3. MOBILE, DTH AND FASTAG RECHARGES

Recharge requests are generally processed immediately or within a short period.

Once a recharge has been successfully processed for the number, account, or identifier provided by the user, the recharge request generally cannot be cancelled or reversed.

Users are responsible for checking:

Mobile number;
Operator;
Recharge amount;
DTH customer ID;
FASTag account details;
Other relevant information;

before submitting the request.

If a recharge request fails and the amount has been deducted from the user's applicable account or wallet, the amount may be reversed or credited back according to the applicable service-provider process.

4. BILL-RELATED SERVICES

MyRewardsPay may provide access to electricity, water, gas, broadband, landline, credit card, and other eligible bill-related services.

Users are responsible for entering accurate:

Consumer number;
Account number;
Bill details;
Service provider;
Amount;
Other required information.

Once a bill-related service request has been successfully processed, cancellation may not be possible.

If a service request fails after the amount has been deducted, the amount may be reversed or credited back after verification and reconciliation.

Users should not make another service request for the same bill until the status of the previous request has been confirmed.

5. FAILED OR UNSUCCESSFUL TRANSACTIONS

If an amount is deducted but the requested service is not successfully completed, the transaction may be treated as a failed or unsuccessful transaction.

Depending on the circumstances:

The amount may be automatically reversed;
The amount may be credited back to the applicable wallet or account;
The transaction may require manual verification;
The amount may be returned after reconciliation with the relevant service provider.

The time required may vary depending on the service provider, technical systems, and reconciliation process.

6. PENDING TRANSACTIONS

Some service requests may temporarily show a Pending, Processing, or similar status.

Users should wait for the final status before attempting the same service again.

Where a transaction remains pending, MyRewardsPay may verify the status with the relevant service provider.

If the service is not completed, the eligible amount may be reversed or credited according to the applicable process.

7. DUPLICATE TRANSACTIONS

If a user believes that the same service request has been processed more than once, the user should immediately contact MyRewardsPay support.

The Company may verify:

Transaction reference;
Date and time;
Service details;
Amount;
Account information;
Service-provider records.

If a duplicate transaction is confirmed and is eligible for reversal or refund, appropriate action will be taken after verification.

8. WRONG INFORMATION PROVIDED BY USER

Users are responsible for providing accurate information.

MyRewardsPay generally will not be responsible for service requests processed using incorrect information provided by the user, including:

Incorrect mobile number;
Incorrect customer ID;
Incorrect consumer number;
Incorrect account number;
Incorrect booking information;
Incorrect travel information;
Incorrect product details;
Other incorrect information.

Where the relevant service provider permits correction, cancellation, or reversal, the Company may assist the user in submitting an appropriate request.

However, a refund or reversal cannot be guaranteed in such circumstances.

9. SUBSCRIPTION CANCELLATION AND REFUND

Where MyRewardsPay offers a paid subscription, users should review the subscription details, benefits, validity, and applicable conditions before subscribing.

Once a subscription has been activated, the subscription fee may generally be non-refundable, except where:

The Company specifically provides a refund;
The subscription was not successfully activated;
A duplicate subscription amount was collected;
The Company is unable to provide the subscribed service due to reasons attributable to the Company;
A refund is otherwise required under applicable law.

A user-requested cancellation of an activated subscription does not automatically create an entitlement to a refund.

Any unused subscription period or unused benefits will not automatically be converted into cash or another benefit unless specifically provided under the applicable subscription terms.

10. SHOPPING ORDERS

Where MyRewardsPay provides access to shopping services, cancellation and refund requests may be governed by the applicable merchant or product provider's terms.

Depending on the product, users may be able to request:

Cancellation;
Return;
Replacement;
Refund.

Eligibility may depend on:

Product category;
Product condition;
Delivery status;
Return period;
Merchant policy;
Manufacturer policy;
Applicable law.

Where the product is supplied by a third-party merchant, the merchant's applicable return and refund conditions may apply.

11. TRAVEL BOOKINGS

Travel bookings, including:

Flights;
Bus tickets;
Train bookings;
Hotels;
Holiday packages;
Tours and travel services;

may be subject to the cancellation, modification, refund, and booking conditions of the relevant travel provider.

Cancellation charges or other applicable deductions may apply.

Before confirming a booking, users should carefully review the applicable:

Cancellation conditions;
Refund conditions;
Travel dates;
Passenger details;
Booking details;
Modification conditions.

MyRewardsPay cannot guarantee a refund where the relevant travel provider does not permit cancellation or refund.

12. HOTEL AND HOLIDAY BOOKINGS

Hotel bookings and holiday packages may have separate cancellation periods and conditions.

A refund may depend on:

Booking type;
Cancellation date;
Property policy;
Package conditions;
Travel provider conditions;
Non-refundable booking conditions.

Where a booking is marked as non-refundable, the amount may not be refundable except where required by applicable law or where the relevant provider permits an exception.

13. WALLET-RELATED REFUNDS

Where an eligible refund or reversal is approved for a transaction associated with a MyRewardsPay wallet, the amount may be credited back to the applicable wallet or account, depending on the nature of the transaction and the applicable process.

Wallet-related credits are subject to:

Verification;
Transaction status;
Applicable service conditions;
Security checks;
Legal and regulatory requirements.

Refunds or reversals may not be processed where the relevant transaction has been successfully completed and no applicable refund condition exists.

14. REWARDS AND PROMOTIONAL BENEFITS

Rewards, cashback, reward points, promotional benefits, loyalty benefits, or similar benefits are subject to their applicable terms.

Unless specifically stated otherwise:

Rewards are not refundable;
Reward points cannot be exchanged for cash;
Promotional benefits cannot be converted into cash;
Expired rewards cannot normally be reinstated;
Rewards obtained through misuse or fraudulent activity may be cancelled.

If a transaction is cancelled, reversed, or refunded, any rewards associated with that transaction may also be cancelled, reversed, or adjusted.

15. FRAUDULENT OR UNAUTHORISED ACTIVITY

If a transaction or service request is suspected to involve:

Fraud;
Misuse;
False information;
Account compromise;
Unauthorised activity;
Manipulation of promotional benefits;
Other prohibited activity;

the Company may temporarily hold, restrict, investigate, reverse, or cancel the relevant transaction or benefit, subject to applicable law.

The Company may request additional information or documents to verify the request.

16. REFUND PROCESS

Where a refund is approved, the Company will initiate the refund through the applicable method depending on the nature of the transaction.

The refund may be credited to:

The applicable wallet;
The original source used for the transaction;
Another authorised method where permitted.

The actual time for the amount to appear may depend on the relevant bank, service provider, merchant, travel provider, or other third party.

MyRewardsPay does not control the processing time of independent third-party institutions.

17. REFUND TIMEFRAME

Where a refund is approved, MyRewardsPay will initiate or process the refund within a reasonable period after confirmation.

The time taken for the amount to be reflected may vary depending on:

Service provider;
Banking institution;
Merchant;
Travel operator;
Technical reconciliation;
Type of transaction;
Other external factors.

A delay by a third-party institution after the Company has initiated the refund will not necessarily constitute a delay by MyRewardsPay.

18. REFUND ELIGIBILITY

A refund may be considered where applicable in situations such as:

Failed service request;
Duplicate transaction;
Eligible cancellation;
Service not delivered despite successful deduction;
Technical error attributable to the Platform;
Eligible merchant cancellation;
Eligible travel cancellation;
Other circumstances specifically covered by the applicable service terms.

Refund eligibility is determined based on the nature and status of the relevant service request and applicable terms.

19. NON-REFUNDABLE SITUATIONS

Unless otherwise required by applicable law, refunds may not be available for:

Successfully completed services;
Correctly processed recharges;
Correctly processed bill-related services;
Non-refundable travel bookings;
Non-refundable products;
Expired promotional offers;
Used rewards;
Benefits already redeemed;
Services affected by incorrect information provided by the user;
User-requested cancellation where cancellation is not permitted;
Violations of Platform Terms;
Fraudulent or abusive activity.

20. SERVICE PROVIDER POLICIES

Some services available through MyRewardsPay are provided or fulfilled by third parties.

Where a third-party provider has specific cancellation or refund conditions, those conditions may apply.

Examples include:

Travel providers;
Airlines;
Hotels;
Merchants;
Recharge providers;
Utility service providers;
Other digital service providers.

Users may be required to comply with the applicable third-party conditions before a refund can be processed.

21. HOW TO REQUEST A REFUND OR CANCELLATION

Users may contact MyRewardsPay support for eligible refund or cancellation requests.

Please provide:

Full Name;
Registered Mobile Number;
User ID, where applicable;
Transaction reference number;
Date of transaction;
Service details;
Amount;
Reason for the request;
Supporting documents or screenshots, where applicable.

Providing complete information helps us investigate and process requests efficiently.

22. VERIFICATION OF REFUND REQUESTS

For security purposes, the Company may verify refund requests before processing them.

Verification may include:

Account verification;
Transaction verification;
Service-provider confirmation;
Identity verification;
Supporting documentation;
Other reasonable checks.

The Company may reject a request where sufficient information cannot be provided or where the request is found to be invalid, fraudulent, or outside the applicable refund conditions.

23. CUSTOMER SUPPORT

For refund, cancellation, or service-related assistance, contact:

MyRewardsPay
Operated by NR12 Brands Marketing Private Limited

Support Email: support@myrewardspay.com
Website: www.myrewardspay.com

Grievance Officer

Name: Krishna
Mobile: +91 9000363065
Email: support@myrewardspay.com

24. CHANGES TO THIS POLICY

MyRewardsPay may modify this Refund & Cancellation Policy from time to time to reflect:

Changes in digital services;
Changes in service-provider policies;
Changes in business practices;
Changes in technology;
Changes in applicable laws or regulations.

The updated version will be published on the Platform with a revised "Last Updated" date.

Where required by applicable law, appropriate notice may be provided for material changes.

25. GOVERNING LAW

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

Nothing in this Policy is intended to restrict any mandatory rights or protections available to users under applicable law.

26. FINAL DECISION ON REFUND REQUESTS

Refund and cancellation requests will be reviewed based on:

Transaction status;
Service status;
Applicable service conditions;
Third-party provider rules;
Supporting information;
Company policies;
Applicable law.

Where a specific service provider's policy applies, the relevant provider's rules may determine whether cancellation or refund is available.

Nothing in this section limits any statutory rights available to users.

27. USER ACKNOWLEDGEMENT

By using MyRewardsPay, you acknowledge that:

You have read and understood this Refund & Cancellation Policy.
You understand that cancellation and refund eligibility may differ between services.
You are responsible for entering accurate information.
Successfully completed services may not be eligible for cancellation or refund.
Third-party service-provider conditions may apply.
Approved refunds may take additional time to reflect due to external processing.
Rewards and promotional benefits may be adjusted when the underlying transaction is cancelled or reversed.

Contact Information