Refund & Cancellation Policy

1. Scope of Policy

This policy applies to all donations, membership fees, and event registrations made through our website, offline channels, or bank transfers to RUBI MICRO SERVICES & GROUP ASSOCIATION, a company incorporated under Section 8 of the Companies Act, 2013.

2. Donation Refund Policy

As a non-profit organization, we utilize donations immediately for charitable activities. Therefore, donations are generally non-refundable.

However, we will consider refund requests in the following specific circumstances:

• Technical Errors: If a duplicate transaction occurred due to a payment gateway error.
• Unauthorized Use: If a donation was made using a credit/debit card without the owner's authorization (subject to proof).
• Clerical Errors: If a donor accidentally entered an incorrect amount (e.g., ₹10,000 instead of ₹1,000).

[IMPORTANT] 80G Restriction:

If a Tax Exemption Certificate (Form 10BE) has already been issued under Section 80G of the Income Tax Act, a refund cannot be processed as the donation has already been reported to the tax authorities.

3. Membership Fee Refunds

Membership fees paid to RUBI MICRO SERVICES & GROUP ASSOCIATION are governed by our Articles of Association (AOA).

Membership fees are non-refundable once the membership is approved and the induction process is complete.

In case of a rejected membership application, the fee will be refunded after deducting a processing charge of (e.g., 5%).

4. Refund Request Process

To request a refund, the donor/member must follow these steps:

• Timeframe: Send a written request via email to rubimicrofin@gmail.com within 7 days of the transaction date.
• Documentation: You must provide:
  • Proof of deduction (Bank statement/Screenshot)
  • Transaction ID or Receipt Number
  • Reason for the refund request
• Review: Our team will review the request within 5–7 business days.

5. Refund Method & Deductions

• Mode: Refunds will be credited back only to the original payment source (Bank account, Credit Card, or UPI ID). No cash refunds will be issued.
• Deductions: Any transaction fees charged by the payment gateway (usually 2–3%) and applicable taxes will be deducted from the final refund amount.
• Timeline: Once approved, it may take 10–15 business days for the amount to reflect in your account.

6. Statutory Compliance (FCRA)

If the donation was received from a foreign source under the Foreign Contribution Regulation Act (FCRA) and is found to be in violation of any statutory guidelines, RUBI MICRO SERVICES & GROUP ASSOCIATION reserves the right to refund the amount back to the source account to maintain legal compliance.