Refund Policy

This Refund Policy ("Policy") applies to all subscription purchases made on CLUTCHDIN, a BGMI scrim management platform available at clutchdin.in. By purchasing a membership, you agree to this Policy.

This Policy should be read together with our Terms of Service, Privacy Policy, Cancellation Policy, and Contact Information, all of which are incorporated herein by reference.

1. Subscription Model

CLUTCHDIN offers prepaid monthly memberships in the following tiers: Core (₹79), Core+ (₹99), Pro (₹129), and Pro+ (₹149). Each membership provides a fixed number of match bookings per day for a period of 30 days from the date of activation.

All payments are processed securely by our PCI-DSS compliant payment partner. CLUTCHDIN does not store your card, UPI, net banking, or wallet details on its servers.

2. Refund Eligibility

All subscription fees are generally non-refundable, as your membership provides immediate access to CLUTCHDIN's platform and match booking services. However, we may issue a full or partial refund in the following exceptional cases, at our sole discretion:

• Duplicate Payment — If you were charged more than once for the same subscription period due to a technical error on our end or a payment gateway issue.
• Unauthorized Transaction — If your account was charged without your authorization and you can provide reasonable supporting evidence.
• Technical Failure — If a verified technical failure on our part prevented you from accessing the service for a significant portion (more than 50%) of your active subscription period, and we were unable to resolve it within a reasonable timeframe.
• Service Unavailability — If CLUTCHDIN ceased operations permanently during your active subscription period.
• Failed Transaction Reversal — If a payment was deducted from your account but your membership was not activated and the amount was not auto-reversed by the payment gateway within the standard reversal window (see Section 7).

3. How to Request a Refund

To request a refund, contact us within 7 days of the transaction date. Your request must include:

• Your registered email address on CLUTCHDIN
• Your CLUTCHDIN IGN (in-game name)
• The Order ID / Transaction ID from your payment confirmation
• The date and amount of the transaction
• A detailed reason for your refund request with any supporting evidence

Send your request to: clutchdin@gmail.com or via the Contact page.

We will review your request and respond within 3 business days. Approval is at our sole discretion based on the eligibility criteria above.

4. Refund Processing Time

If your refund is approved, it will be initiated within 2 business days of approval. Once initiated, the amount will be credited to the original payment method used during the transaction. Depending on your bank or payment instrument, the credit may take an additional:

• 5–7 business days for UPI, cards, and net banking
• 7–10 business days for certain wallets or bank-specific transfers

The final credit timeline is determined by your bank or payment provider and is outside CLUTCHDIN's control.

5. Non-Refundable Charges

Please note that payment gateway transaction fees, taxes, and processing charges are not refundable to CLUTCHDIN. Where a refund is issued, the amount refunded to you will be the original amount paid, but we will not be reimbursed for the gateway charges we already incurred on that transaction.

6. Chargebacks

If you initiate a chargeback or payment dispute with your bank or payment provider without first contacting us, we reserve the right to suspend your CLUTCHDIN account pending resolution. Fraudulent or abusive chargebacks may result in permanent account termination.

We encourage you to contact us first — most issues can be resolved directly and faster than through the chargeback process.

7. Failed Transactions

If a payment is deducted from your account but your membership is not activated, the amount is typically auto-reversed by the payment gateway within 5–7 business days. If it does not appear in your account within this period, contact us with your Order ID and we will follow up with our payment partner on your behalf.

8. Complaint Resolution Timeline

In line with the timelines required by our payment partner guidelines and applicable regulations:

• All refund-related queries and complaints are acknowledged within 48 hours of receipt.
• Standard refund and complaint requests are resolved within 4 business days (D+4).
• Complex cases that require investigation with our payment partner may take longer, and we will keep you informed of the progress.
• If you are not satisfied with our resolution, you may escalate the matter to our Grievance Officer, and further to the appropriate regulatory authority as per applicable law.

9. Transaction Records Retention

In accordance with applicable Indian financial and tax regulations, including the Payment Aggregator Guidelines issued by the Reserve Bank of India and the Income Tax Act, 1961, records of all payment transactions — including those relating to refunds — are retained by CLUTCHDIN and its payment partner for a minimum period of 10 (ten) years from the date of each transaction.

This retention is required by law and applies even if you delete your account. Details about how we protect personal data within these records can be found in our Privacy Policy.

10. Changes to This Policy

We may update this Policy from time to time. Continued use of the Service after an update means you accept the revised Policy. Significant changes will be communicated through the Service.

11. Governing Law

This Policy is governed by the laws of India. Any disputes relating to refunds shall be subject to the exclusive jurisdiction of the courts of India.