Refund and Returns Policy

Effective Date: 6^th June 2025
Last Updated: 6^th June 2025
Policy Version: 2.0 (Refund & Returns)

Preamble

Thank you for choosing ComplyQuick (by Utility Spider LLP) (“ComplyQuick,” “we,” “us,” “our”) for your Digital Signature Certificate requirements. We understand that obtaining a Digital Signature Certificate is a crucial step for your business or professional needs, and we are committed to providing you with transparent, fair, and legally compliant refund and return policies.

This Refund and Returns Policy (“Policy”) governs your rights and our obligations concerning refunds, returns, re-issuance, and related services for Digital Signature Certificates (DSCs) procured through our digital platform at https://dsc.complyquick.in. Our platform serves as an authorized intermediary facilitating DSC procurement from licensed Certifying Authorities including eMudhra, Vsign, Pantasign, Capricorn, and other CCA-approved entities.

This Policy is designed in compliance with the Consumer Protection Act, 2019, the Information Technology Act, 2000, and applicable regulations governing digital services and e-commerce transactions in India.

1. Understanding Our Service Model and Refund Framework

1.1 Nature of Our Digital Intermediary Services

ComplyQuick operates as a specialized digital services platform that bridges the gap between individual users, businesses, and authorized Certifying Authorities. Our comprehensive service offering includes:

Pre-Application Consultation:

• Expert guidance on selecting the appropriate DSC class and type based on your specific requirements
• Comprehensive analysis of your business needs to ensure optimal certificate selection
• Technical consultation regarding compatibility with your existing systems and software
• Regulatory compliance advisory services for sector-specific requirements

Application Processing and Management:

• End-to-end application submission to licensed Certifying Authorities
• Document verification and quality assurance before submission
• Real-time application tracking and status updates
• Coordination with CAs for any additional requirements or clarifications

Post-Issuance Support:

• Technical assistance with DSC installation and configuration
• Troubleshooting support for common usage issues
• Guidance on best practices for DSC security and maintenance
• Ongoing customer support throughout the certificate validity period

1.2 Legal Framework Governing DSC Services

Digital Signature Certificates are regulated digital credentials issued under the legal authority of the Information Technology Act, 2000. The Controller of Certifying Authorities (CCA) licenses and regulates the working of Certifying Authorities, and CAs issue digital signature certificates for users’ electronic authentication. All filings done by companies/LLPs under MCA21 e-Governance programme are required to be filed using Digital Signatures by the person authorized to sign the documents.

Due to the regulated nature of DSCs and their status as legally binding digital credentials, refund eligibility is governed by strict criteria and timelines established to maintain the integrity of the digital certification ecosystem.

1.3 Consumer Rights and Protection Framework

Our refund policy is structured in accordance with the Consumer Protection Act, 2019, which emphasizes ‘Transparency’ and ‘Accountability’ as fundamental principles. E-commerce entities are mandatorily required to dispense information such as refund policy, warranty, exchange rules, payment options, tracking information, shipment details etc.

2. Refund Eligibility Criteria and Timeline Framework

2.1 Primary Refund Eligibility Window

Standard Refund Timeline: A refund request must be initiated within 7 (seven) calendar days from the date of issuance of the DSC by the respective Certifying Authority. This timeline begins from the moment the CA issues the certificate, regardless of whether you have downloaded, received, or utilized the DSC.

Calculation of Refund Period:

• Day 1: Date of DSC issuance by the Certifying Authority (as evidenced by the certificate issuance notification)
• Days 2-7: Available window for refund request submission
• Day 8 onwards: No refund requests will be entertained under any circumstances

2.2 Exceptional Circumstances for Extended Consideration

While our standard policy maintains a strict 7-day window, we recognize that certain extraordinary circumstances may warrant additional consideration:

Force Majeure Events:

• Natural disasters affecting your location or our service areas
• Government-imposed lockdowns or restrictions preventing timely communication
• Technical failures on our platform that prevent timely refund request submission

Service Provider Errors:

• Technical issues during the application process that were not disclosed
• Delays in communication regarding application status beyond our committed timelines

Documentation and Verification: Such exceptional circumstances must be supported by appropriate documentation and will be evaluated on a case-by-case basis by our compliance team in consultation with legal advisors.

*Please note that Incorrect DSC class or type issued due to selection error by the customer will not be considered for any refund or returns

** Further, Please note that Incorrect/Fraudulent/Forged Documentation by the customer will not be considered for any refund or returns and may be reported to the relevant regulatory authorities for necessary actions.

2.3 Refund Request Acknowledgment and Processing

Immediate Acknowledgment: Upon receipt of your refund request, we will:

• Send an acknowledgment email within 2 hours during business hours
• Assign a unique refund request reference number for tracking
• Initiate preliminary review of eligibility criteria
• Communicate expected timeline for resolution

Review Process Timeline:

• Days 1-3: Eligibility verification and documentation review
• Days 4-5: Consultation with relevant Certifying Authority (if required)
• Days 6-7: Final decision communication and refund processing initiation
• Days 8-15: Refund credit to original payment method (if approved)

3. Comprehensive Non-Refundable Scenarios

3.1 Time-Related Exclusions

Post-Eligibility Period:

• DSCs for which more than 7 calendar days have elapsed since issuance
• Applications where the user was notified of issuance but failed to respond within the stipulated timeframe
• Certificates that have been successfully downloaded and used for any digital transaction

3.2 User-Related Exclusions

Documentation and Compliance Issues:

• Failure to provide accurate, complete, or authentic KYC documents during the application process
• Non-response to queries, clarifications, or additional documentation requests from the Certifying Authority
• Submission of expired or invalid identity documents leading to application rejection
• Misrepresentation of information during the application process

Procedural Non-Compliance:

• Failure to complete biometric verification or video KYC when required by the CA
• Non-availability during scheduled verification calls or appointments
• Incomplete payment or payment failures not attributable to our platform

3.3 Authority-Related Exclusions

Certifying Authority Decisions:

• Rejection of application due to eligibility criteria not met as per CA’s assessment
• Suspension or revocation of DSC due to regulatory compliance issues
• Changes in CA policies or procedures affecting application processing
• Technical issues or system maintenance at the CA level causing delays

Regulatory and Compliance Matters:

• Applications rejected due to regulatory changes or policy updates
• Non-compliance with sector-specific requirements for certain DSC types
• Issues arising from sanctions, legal notices, or regulatory actions against the applicant

3.4 Physical Token and Delivery Exclusions

Token-Related Issues:

• Damage to USB token caused by misuse, negligence, or normal wear and tear
• Loss or theft of USB token after successful delivery
• Destruction of token due to environmental factors or accidents
• Compatibility issues with user’s hardware or operating system not disclosed during consultation

Delivery and Logistics:

• Delays in delivery due to incorrect address provided by the user
• Failed delivery attempts due to unavailability of recipient
• Delivery to incorrect address due to user-provided information
• Damage during transit that is not reported within 48 hours of delivery

4. Refund Review Process and Decision Framework

4.1 Multi-Tier Review Structure

Primary Review Team:

• Customer service representatives conduct initial eligibility assessment
• Technical team reviews application processing history and CA communications
• Compliance team ensures adherence to regulatory requirements and policy guidelines

Secondary Review Committee:

• Senior customer service manager reviews disputed or complex cases
• Legal advisor consultation for regulatory compliance verification
• Finance team assessment for payment processing and gateway fee calculations

Final Appeal Authority:

• Chief Customer Officer for high-value or complex refund requests
• Board-level review for precedent-setting cases or policy interpretation disputes

4.2 Decision Criteria and Evaluation Parameters

Eligibility Assessment:

• Verification of timeline compliance with 7-day refund window
• Authentication of refund request documentation and supporting evidence
• Cross-verification with CA records and communication logs
• Assessment of user compliance with application requirements and procedures

Financial Evaluation:

• Calculation of refundable amount after applicable deductions
• Assessment of payment gateway fees, service charges, and government levies
• Determination of processing costs and administrative charges
• Evaluation of third-party costs that cannot be recovered

4.3 Refund Processing and Credit Methodology

Approved Refunds: When a refund is approved, the following process will be initiated:

Amount Calculation:

• Base refund amount: Original payment minus non-refundable charges
• Service charge deduction: Up to 10% of the total transaction value or ₹200, whichever is lower
• Payment gateway fees: Actual charges levied by payment processors (typically 1.5-3% of transaction value)
• Government levies: GST and other applicable taxes that cannot be reversed

Credit Process:

• Refunds will be processed only to the original payment method used for the transaction
• Credit card refunds: 5-7 working days from processing date
• Bank account transfers: 3-5 working days from processing date
• Digital wallet refunds: 1-3 working days from processing date
• UPI refunds: Immediate to 24 hours from processing date

Refund Confirmation:

• Email notification with refund processing details and expected credit timeline
• SMS confirmation with transaction reference number
• Updated refund status in your ComplyQuick account dashboard
• Follow-up communication to confirm successful credit receipt

5. Detailed Refund Request Procedure

5.1 Information Requirements for Refund Requests

To ensure efficient processing of your refund request, please provide comprehensive information:

Mandatory Information:

• Full Name: As registered in your ComplyQuick account
• Application ID: Unique identifier provided during application submission
• Contact Information: Phone number and email address used during registration
• DSC Details: Type, class, and Certifying Authority name
• Issuance Date: Exact date of DSC issuance by the CA
• Payment Details: Transaction ID, payment method, and amount paid
• Reason for Refund: Detailed explanation with supporting justification

Supporting Documentation:

• Copy of DSC issuance notification from the Certifying Authority
• Payment receipt or transaction confirmation
• Screenshots of any error messages or technical issues encountered
• Communication records with our customer support team
• Any additional documents relevant to your specific situation

5.2 Refund Request Submission Methods

Primary Method – Email:

• Email Address: support@complyquick.in
• Subject Line: “Refund Request – [Your Application ID]”
• Attach all supporting documents in PDF format
• Ensure email is sent from your registered email address

Alternative Methods:

• Online Portal: Submit request through your ComplyQuick account dashboard (Coming Soon)
• Phone Request: Call our customer support line during business hours for assistance

Acknowledgment and Tracking:

• Automatic email acknowledgment within 2 hours of submission
• Unique refund request reference number for tracking
• Real-time status updates through your account dashboard
• SMS notifications for major status changes

5.3 Response Time and Communication Protocol

Initial Response:

• Acknowledgment: Within 2 hours during business hours
• Preliminary review: Within 24 hours of submission
• Additional information request: Within 48 hours if required
• Status update: Every 48 hours until resolution

Decision Communication:

• Final decision: Within 7 working days of complete documentation submission
• Detailed explanation: Reasons for approval or rejection
• Next steps: Clear instructions for any required actions
• Appeal process: Information about review options if applicable

6. Re-Issuance Policy and Fee Structure

6.1 Understanding Re-Issuance Scenarios

Re-issuance of Digital Signature Certificates may be required in various circumstances, each with specific procedures and fee structures:

Technical Malfunctions:

• USB token hardware failure not due to user negligence
• Certificate corruption due to system conflicts or software issues
• Driver compatibility problems with updated operating systems
• Manufacturing defects in USB tokens reported within warranty period

User-Induced Issues:

• DSC locking due to multiple incorrect PIN entries
• Accidental deletion of certificate files from the system
• Password reset requirements for token access
• Physical damage to USB token due to mishandling

Security-Related Re-Issuance:

• Suspected compromise of private key or certificate security
• Mandatory re-issuance due to CA security policy updates
• Preventive re-issuance following security breach notifications
• Compliance-driven re-issuance for regulatory requirements

6.2 Comprehensive Re-Issuance Fee Structure

Class 3 Individual DSC:

• Standard re-issuance: ₹500 – ₹1,200 (varies by CA)
• Express re-issuance (24-48 hours): ₹800 – ₹1,500
• USB token replacement: ₹300 – ₹600 additional
• Biometric re-verification: ₹200 – ₹400 additional

Organization DSC:

• Standard re-issuance: ₹750 – ₹1,800 (varies by CA and organization type)
• Express re-issuance: ₹1,200 – ₹2,200
• Document re-verification: ₹300 – ₹500 additional
• Multiple signatory updates: ₹200 per additional signatory

GSTIN based DSC:

• Standard re-issuance: ₹750 – ₹1,600
• Priority processing: ₹1,000 – ₹2,000
• State-specific compliance verification: ₹200 – ₹400 additional

Specialized DSCs (DGFT, Trademark, etc.):

• Re-issuance fees: Based on specific CA policy and regulatory requirements
• Additional compliance charges: As applicable per regulatory authority
• Express processing: 50-100% additional charge over standard fees

6.3 Re-Issuance Process and Timeline

Application Process:

1. Submit re-issuance request through your ComplyQuick account
2. Provide detailed reason for re-issuance requirement
3. Upload supporting documentation as required
4. Pay applicable re-issuance fees through secure payment gateway
5. Complete any additional verification steps as required by the CA

Processing Timeline:

• Standard Re-Issuance: 5-7 working days from fee payment
• Express Re-Issuance: 24-48 hours from fee payment and verification
• Complex Cases: Up to 10 working days for specialized DSCs or complex verification requirements

Important Considerations:

• Re-issuance creates a new certificate with different serial number and validity period
• Old certificate (if not expired) will be revoked upon new certificate issuance
• Re-issued certificates maintain the same validity period as the original certificate
• USB token replacement may be required depending on the nature of the issue

7. Token Delivery, Returns, and Replacement Policy

7.1 Delivery Standards and Service Commitments

Shipping and Logistics: We partner with trusted courier services to ensure secure and timely delivery of USB tokens:

Delivery Partners:

• Blue Dart Express for metro cities and major towns
• DTDC for tier-2 and tier-3 cities
• India Post for remote locations and special circumstances
• Specialized secure courier services for high-value or sensitive deliveries

Delivery Timelines:

• Metro Cities: 2-3 working days from dispatch
• State Capitals and Major Towns: 3-5 working days from dispatch
• Tier-2 Cities: 4-6 working days from dispatch
• Remote Locations: 6-10 working days from dispatch
• Northeast and Island Territories: 7-12 working days from dispatch

Tracking and Monitoring:

• Real-time tracking information shared via SMS and email
• Proactive updates for any delivery delays or issues
• Direct communication channel with courier partner for expedited resolution
• GPS tracking for high-value shipments where available

7.2 Delivery Verification and Acceptance Protocol

Delivery Confirmation Requirements:

• Photo ID verification of recipient or authorized representative
• Signature acknowledgment on delivery receipt
• Contact number verification for OTP-based delivery confirmation
• Photographic evidence of package condition at the time of delivery

Package Inspection Guidelines: Upon delivery, we recommend:

• Inspect outer packaging for signs of damage or tampering
• Verify that all seals and security stickers are intact
• Check contents immediately upon opening
• Test USB token functionality within 48 hours of receipt
• Report any discrepancies or issues immediately

7.3 Return and Replacement Policy for Physical Tokens

Acceptable Return Conditions: USB tokens will be accepted for return or replacement only under the following circumstances:

Manufacturing Defects:

• Hardware malfunction within 30 days of delivery
• Failure to recognize token on multiple systems
• Physical defects in USB connector or casing
• Pre-loaded certificate corruption or inaccessibility

Shipping Damage:

• Physical damage evident upon delivery
• Broken or cracked token casing
• Damaged packaging indicating rough handling
• Missing components or accessories

Incorrect Delivery:

• Wrong DSC type or class delivered
• Delivery to incorrect recipient
• Missing or incorrect documentation
• Packaging discrepancies indicating possible mix-up

Return Process Requirements: To initiate a token return or replacement:

Immediate Reporting (Within 48 Hours):

• Contact our customer support team immediately
• Provide photographic evidence of the issue
• Submit unboxing video if available
• Retain all original packaging and documentation

Documentation Requirements:

• Original delivery receipt and tracking number
• Clear photographs showing the defect or damage
• Detailed description of the issue encountered
• System compatibility test results (if applicable)

Return Shipping:

• We will arrange pickup through our courier partners
• No return shipping charges for eligible returns
• Secure packaging requirements for safe transit
• Insurance coverage for return shipments

7.4 Replacement Processing and Timeline

Evaluation and Approval:

• Technical team assessment within 24 hours of return receipt
• Quality control verification of reported defects
• Consultation with CA if certificate-related issues are identified
• Final approval and replacement authorization

Replacement Timeline:

• Standard Replacement: 3-5 working days from return receipt
• Express Replacement: 24-48 hours for critical business needs
• Complex Cases: Up to 7 working days for detailed technical evaluation

Quality Assurance:

• All replacement tokens undergo additional quality checks
• Pre-delivery testing to ensure full functionality
• Extended warranty period for replacement tokens
• Priority customer support for replacement recipients

8. Legal Disclaimers and Limitation of Liability

8.1 Service Scope and Responsibility Framework

Our Role and Limitations: ComplyQuick operates as a digital intermediary and service facilitator. Our responsibilities and limitations are clearly defined:

What We Are Responsible For:

• Accurate transmission of your application and documents to Certifying Authorities
• Providing correct guidance based on information available at the time of consultation
• Secure handling of your personal information in accordance with our Privacy Policy
• Timely communication of application status updates and CA notifications
• Technical support for our platform and services within our control

What We Are Not Responsible For:

• Final decisions made by Certifying Authorities regarding DSC approval or rejection
• Delays or technical issues at the CA level beyond our reasonable control
• Changes in regulatory requirements or CA policies affecting your application
• Compatibility issues with third-party software or systems not disclosed during consultation
• Consequences of providing inaccurate or incomplete information during the application process

8.2 User Responsibility and Acknowledgment

Your Obligations: By using our services, you acknowledge and agree to:

Information Accuracy:

• Provide complete, accurate, and authentic information during the application process
• Ensure all submitted documents are valid, current, and legally authorized
• Promptly notify us of any changes in your information or circumstances
• Take responsibility for the consequences of any inaccurate or misleading information provided

Compliance Obligations:

• Comply with all applicable laws, regulations, and CA requirements
• Use your DSC only for legitimate and authorized purposes
• Maintain the security and confidentiality of your digital signature credentials
• Report any suspected compromise or misuse of your DSC immediately

Communication Responsibilities:

• Respond promptly to queries and requests for additional information
• Maintain updated contact information in your account
• Monitor your registered email address for important communications
• Cooperate with verification processes and compliance requirements

8.3 Limitation of Liability and Indemnification

Financial Liability Limitations: Our total liability for any claims arising from our services shall be limited to:

• The amount paid by you for the specific service giving rise to the claim
• Direct damages only, excluding consequential, indirect, or punitive damages
• Claims must be filed within the time specified in this policy
• Liability limitations apply to the maximum extent permitted under applicable Indian law

Indemnification by Users: You agree to indemnify and hold harmless ComplyQuick, its directors, officers, employees, and agents from:

• Claims arising from your violation of this policy or applicable laws
• Damages resulting from inaccurate or fraudulent information provided by you
• Third-party claims related to your use of DSC services
• Legal costs and expenses incurred in defending against such claims

Force Majeure and Extraordinary Circumstances: We shall not be liable for delays, failures, or damages caused by:

• Natural disasters, pandemics, or other acts of God
• Government actions, regulations, or policy changes
• Technical failures at CA or government systems level
• Internet outages, power failures, or telecommunications disruptions beyond our control

9. Grievance Redressal and Escalation Mechanism

9.1 Multi-Level Support and Resolution Framework

We are committed to providing comprehensive support and fair resolution for all your concerns. Our grievance redressal mechanism operates at multiple levels to ensure appropriate attention and resolution:

Level 1 – Customer Support Team:

• First point of contact for all routine inquiries and standard issues
• Available during extended business hours with multi-language support
• Equipped to resolve 80% of common issues immediately
• Average response time: 2 hours during business hours, 24 hours on weekends

Level 2 – Senior Customer Success Managers:

• Handle complex cases requiring detailed investigation
• Authority to approve special considerations and policy exceptions
• Direct liaison with Certifying Authorities for application-related issues
• Average resolution time: 3-5 working days

Level 3 – Compliance and Legal Team:

• Address regulatory compliance issues and policy interpretation disputes
• Handle cases involving potential legal implications
• Coordinate with external legal advisors when necessary
• Resolution timeline: 7-10 working days depending on complexity

Level 4 – Executive Leadership:

• Final escalation point for unresolved issues
• Authority to make policy decisions and approve exceptional remedies
• Board-level review for precedent-setting cases
• Resolution expectation: Within 15 working days

9.2 Grievance Categories and Specialized Handling

Service Quality Issues:

• Delays in application processing or communication
• Technical problems with our platform or services
• Unsatisfactory customer support experiences
• Issues with delivery or token functionality

Financial Disputes:

• Billing discrepancies or unauthorized charges
• Refund processing delays or denials
• Payment gateway issues or failed transactions
• Fee structure clarifications or disputes

Data Privacy and Security Concerns:

• Unauthorized use or disclosure of personal information
• Data security incidents or breach notifications
• Privacy policy violations or compliance issues
• Access, correction, or deletion requests for personal data

Regulatory and Compliance Matters:

• Issues with CA communications or decisions
• Regulatory requirement clarifications
• Compliance verification problems
• Legal interpretation disputes

9.3 Grievance Submission and Tracking Process

Submission Methods:

• Email: support@complyquick.in (monitored 24/7)
• Phone: Dedicated grievance hotline during business hours
• Online Portal: Secure grievance submission through your account
• Written Complaint: Registered office address for formal complaints

Required Information:

• Your full name and contact details
• Account information and relevant reference numbers
• Detailed description of the issue with timeline
• Supporting documents and evidence
• Previous communication references with our team
• Expected resolution or outcome

Tracking and Updates:

• Unique grievance reference number assigned within 2 hours
• Automated acknowledgment with expected resolution timeline
• Regular status updates every 48 hours
• SMS and email notifications for major developments
• Final resolution report with detailed explanation

10. Contact Information and Customer Support

10.1 Comprehensive Contact Directory

Corporate Headquarters: Utility Spider LLP Registered Office: Kad-001, Shipra Srishti, Indirapuram, Ghaziabad-201014 Phone: +91-8368817630 Email: support@complyquick.in Website: https://dsc.complyquick.in

Specialized Support Channels:

Refund and Returns:

• Email: support@complyquick.in
• WhatsApp Business: +91-8368817630

Technical Support:

• Email: support@complyquick.in
• Phone: +91-8368817630
• Remote Assistance: Available through secure connection during business hours

Grievance Redressal:

• Email: support@complyquick.in

• Phone: +91-8368817630
• Address: Same as corporate headquarters

Business Development and Partnerships:

• Email: support@complyquick.in
• Phone: +91-8368817630

10.2 Service Hours and Response Commitments

Standard Business Hours:

• Monday to Friday: 10:00 AM to 6:00 PM (IST)
• Saturday: 10:00 AM to 2:00 PM (IST)
• Sunday: Closed (Emergency support available via email)

Extended Support Hours:

• Technical Support: Monday to Saturday, 9:00 AM to 8:00 PM (IST)
• Refund Helpline: Monday to Friday, 9:00 AM to 5:00 PM (IST)
• Grievance Support: Monday to Saturday, 9:00 AM to 5:00 PM (IST)

Response Time Commitments:

• Email Inquiries: 4 hours during business days, 24 hours on weekends
• Phone Calls: Immediate assistance during business hours
• WhatsApp Messages: 2 hours during business hours
• Grievances: Acknowledgment within 2 hours, resolution within committed timelines

10.3 Multi-Language Support and Accessibility

Language Support:

• Primary: English for all communications
• Regional: Hindi support available for complex discussions
• Additional: Assistance in major regional languages upon request

Accessibility Features:

• Hearing Impaired: Email and chat support with priority response
• Visual Assistance: Phone support with detailed verbal descriptions
• Senior Citizens: Dedicated support line with patient assistance
• Remote Locations: Flexible communication options including video calls

Special Assistance Programs:

• First-Time Users: Extended consultation and guided assistance
• Bulk Applicants: Dedicated account manager for organizational clients
• Technical Novices: Step-by-step guidance and follow-up support
• Priority Customers: Expedited support for time-sensitive requirements

11. Policy Updates and Legal Compliance

11.1 Regulatory Compliance Framework

This Refund and Returns Policy is designed to comply with applicable Indian laws and regulations:

Primary Legislation:

• Consumer Protection Act, 2019: Ensuring fair trade practices and consumer rights protection
• Information Technology Act, 2000: Governing digital signature services and electronic transactions
• Indian Contract Act, 1872: Defining contractual obligations and rights
• Competition Act, 2002: Ensuring fair business practices and preventing abuse of dominant position

Regulatory Authorities:

• Controller of Certifying Authorities (CCA): For DSC-related regulatory compliance
• Ministry of Electronics and Information Technology: For IT services and digital governance
• Department of Consumer Affairs: For consumer protection and fair trade practices
• Reserve Bank of India: For payment system compliance and regulations

11.2 Policy Review and Update Mechanism

Regular Review Schedule:

• Quarterly Review: Assessment of policy effectiveness and user feedback
• Annual Update: Comprehensive review incorporating regulatory changes
• Regulatory Trigger Updates: Immediate updates following relevant law changes
• Business Evolution Updates: Updates based on service expansion or changes

Stakeholder Consultation:

• Legal Advisory: Continuous consultation with legal experts
• Customer Feedback: Regular incorporation of user suggestions and concerns
• Industry Best Practices: Benchmarking against industry standards
• Regulatory Guidance: Compliance with official circulars and notifications

11.3 Communication of Policy Changes

Material Changes:

• Advance Notice: 15 days prior notification via email and website
• Detailed Explanation: Clear description of changes and their implications
• Transition Period: Reasonable time for users to adapt to new provisions
• Support Assistance: Additional support during transition periods

Minor Updates:

• Website Updates: Immediate posting of revised policy
• Change Log: Detailed record of all modifications with effective dates
• Version Control: Clear version numbering and date stamps
• Archive Access: Availability of previous policy versions for reference

12. Conclusion and Acknowledgment

12.1 Our Commitment to Fair Practices

ComplyQuick Digital Solutions is committed to maintaining the highest standards of transparency, fairness, and customer service in all our operations. This comprehensive Refund and Returns Policy reflects our dedication to:

• Transparent Communication: Clear, understandable terms and conditions
• Fair Treatment: Equitable application of policies regardless of customer size or value
• Continuous Improvement: Regular enhancement of policies based on feedback and experience
• Legal Compliance: Strict adherence to all applicable laws and regulations
• Customer Satisfaction: Prioritizing customer needs while maintaining business sustainability

12.2 User Acknowledgment and Acceptance

By using our services and engaging with our platform, you acknowledge that:

• You have read, understood, and agree to be bound by the terms of this Refund and Returns Policy
• You accept the limitations and conditions outlined in this policy
• You understand your rights and responsibilities as a user of our services
• You agree to the jurisdiction and governing law provisions specified herein
• You consent to the processing of your personal information as described in our Privacy Policy

12.3 Effective Implementation

This Policy is effective from the date specified above and supersedes all previous versions. Any transactions initiated after the effective date will be governed by this updated policy. For transactions initiated before the effective date, the applicable policy at the time of transaction will continue to govern until completion.

Questions or Clarifications: If you have any questions about this Refund and Returns Policy or need clarification on any provisions, please contact our customer support team. We are committed to providing clear explanations and assistance to ensure you fully understand your rights and our obligations.

Legal Validity: This Policy forms an integral part of our Terms of Service and is legally binding. In case of any conflict between this Policy and other terms, this Policy shall prevail for matters specifically related to refunds, returns, and re-issuance of Digital Signature Certificates.

This policy is governed by Indian law and subject to the jurisdiction of Indian courts. For the most current version of this policy, please visit our website at https://dsc.complyquick.in/refund-policy