GARUDIC Refund & Billing Policy

1. Overview & Applicability

GARUDIC is a real estate intelligence and property verification platform. Certain specialized features on the Service require payment, including access to early-cohort intelligence reports, institutional verification packages, listing promotion, and facilitated real estate transaction workflows.

By authorizing any payment on the GARUDIC platform, you agree to the billing structures, routing protocols, and dispute procedures outlined in this policy.

2. Payment Routing & 3-Hour Forwarding to Destined Users

When payments are executed on the GARUDIC platform for listings, peer-to-peer property reservations, or third-party verified deliverables:

• Funds are initially held in a secure transit holding account to verify transactional integrity and payment clearance.
• 3-Hour Forwarding Mechanism: Within exactly 3 hours of successful transaction authorization, the payment is automatically routed and forwarded to its destined recipient, vendor, or property stakeholder.
• This automated disbursement ensures fast settlement for sellers, builders, and service providers while maintaining transaction discipline.

3. Strict 3-Hour Concern & Dispute Window

Because payments are automatically forwarded and disbursed to their destined user within 3 hours:

You have a strict window of 3 hours from the timestamp of payment to raise any concern, report an unauthorized transaction, dispute an amount, or request a cancellation.

Once a concern is lodged within this 3-hour window, the automated forwarding mechanism is temporarily placed on hold where technically feasible while our operations team reviews the issue.

4. How to Raise a Support Ticket

To raise a concern or dispute within the mandatory 3-hour window, you must immediately raise a formal support ticket using the following protocol:

• Step 1: Send an email directly to our platform support desk at support@garudic.com with a CC to garudic7@gmail.com.
• Step 2: Use the Subject line format: URGENT: Transaction Concern - [Your Transaction Reference ID].
• Step 3: Include your full registered name, registered mobile number, exact timestamp of payment, transaction amount, and clear documentation or explanation of the issue.

5. Investigation & Resolution Process

Upon receipt of your support ticket within the 3-hour window:

• Our support desk will acknowledge your ticket and log a priority dispute case.
• A dedicated support specialist will review the transaction logs, verify the issue, and contact you directly via phone or email to understand your concern.
• If an unauthorized charge, system error, duplicate charge, or valid cancellation is confirmed prior to disbursement, the transaction will be cancelled and an eligible refund initiated immediately.
• Approved refunds are credited back to the original payment source (credit card, debit card, UPI, or net banking) within 5 to 7 business days, subject to your banking partner's processing times.

6. Transactions After the 3-Hour Window

After the 3-hour window has expired, payments have been irreversibly forwarded to their destined user or merchant partner. Consequently:

• GARUDIC no longer holds the funds and cannot unilaterally recall or reverse the disbursed capital.
• Any claims or disputes submitted after 3 hours must be pursued directly with the recipient stakeholder.
• GARUDIC will provide complete audit logs, timestamps, and payment provenance documentation to assist both parties and law enforcement agencies where necessary.

7. Non-Refundable Platform Fees

Certain completed service fees are non-refundable once the service has been fully rendered, including:

• Completed and delivered property verification reports and title trail audits.
• Regulatory search and registry extraction queries already executed with external databases.
• Custom spatial analytics dossiers delivered to institutional or advisory users.

8. Corporate & Billing Contact Information

Official corporate, support, and billing details:

• Operating Entity: GARUDIC Multi-Services
• Platform Support & Support Tickets: support@garudic.com
• General Inquiries: garudic7@gmail.com
• Registered Postal Address: Garudic multisevices Pune India 411035 (GARUDIC Multi-Services, Pune, Maharashtra, India 411035)