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This Chargeback Policy outlines the procedure and guidelines for resolving chargebacks and disputes initiated by users on the JAMSFINTECH platform. The policy applies to all users, including individuals and businesses, who use our services for making payments, transactions, or transfers through the platform.
A chargeback occurs when a user disputes a transaction with their payment provider (bank, credit card company, etc.), leading to the reversal of funds. This may occur for various reasons, including unauthorized transactions, errors, or dissatisfaction with the service provided. Chargebacks are a common method for users to resolve disputes with merchants or platforms, including fintech services like JAMSFINTECH.
In the event of a chargeback request, the following process will be followed:
Initiation: The user contacts their bank or payment provider to initiate a chargeback, providing details of the transaction they dispute.
Investigation: The payment provider conducts an investigation, which may include reviewing transaction data, communication between the user and the platform, and supporting documents provided by both parties.
Response from Platform: We will respond to chargeback requests promptly by providing transaction details, user communications, and any evidence needed to demonstrate the legitimacy of the transaction. If applicable, we may provide a resolution in favor of the user.
Final Decision: Once the investigation concludes, the payment provider will issue a decision. If the chargeback is upheld, the disputed amount will be returned to the user. If the chargeback is denied, the funds will remain with the platform.
As a user of the JAMSFINTECH platform, you agree to the following responsibilities regarding chargebacks:
Unauthorized Transactions: The user claims that the transaction was made without their consent or knowledge.
Non-Receipt of Goods/Services: The user claims that they did not receive the goods or services promised by the platform, including any digital products, services, or subscription services.
Transaction Errors: The user identifies discrepancies such as double charges, incorrect amounts, or issues related to processing failures.
Fraudulent Transactions: The user claims that their account was compromised or that the transaction was the result of identity theft or fraud.
Quality or Service Issues: The user claims that the product or service they received did not meet expectations or was not as described on the platform.
As a user of the JAMSFINTECH platform, you agree to the following responsibilities regarding chargebacks:
Prompt Notification: If you notice any issues with a transaction or suspect fraud, you must notify us immediately via the customer support team to allow us to address the issue before initiating a chargeback.
Cooperation with Investigation: You agree to cooperate with any investigation, providing necessary documentation, communication, or evidence required to resolve the chargeback dispute.
Abide by Platform’s Terms: You agree to resolve disputes directly with JAMSFINTECH customer support before initiating a chargeback, as many disputes can be addressed and resolved without needing to involve third-party providers.
In the event that a chargeback occurs due to a user’s error or fault, we reserve the right to charge a fee to cover the administrative costs associated with the investigation and resolution process. This fee will be clearly outlined in the transaction details and communicated to you in advance. The fee will be applicable only after the chargeback request has been investigated and a decision has been made.
We encourage users to resolve any disputes with our platform directly through our customer support system before initiating a chargeback. For any unresolved issues, we will work with you to resolve the dispute in a fair and timely manner. Our customer support team is available 24/7 to assist you in resolving any concerns. However, if a chargeback is initiated, we will provide the necessary support and respond promptly to the payment provider’s inquiries.
To minimize the risk of chargebacks, we have implemented several measures on the JAMSFINTECH platform:
Clear Payment Descriptions: All transactions will clearly describe the nature of the service or product purchased to avoid confusion.
Fraud Detection Systems: We use advanced fraud detection technologies to monitor and prevent unauthorized or fraudulent transactions.
Customer Support: Our dedicated customer support team is available to assist with transaction-related issues, reducing the need for chargeback claims.
In addition to our internal chargeback procedures, we comply with relevant financial regulations and guidelines set by the Reserve Bank of India (RBI), Payment Card Industry Data Security Standards (PCI DSS), and other regulatory bodies. Users are expected to adhere to the platform's terms and conditions and cooperate fully during any dispute resolution process.
For any queries regarding these Terms and Conditions, please contact:
Email: support@JAMSFINTECH.COM
Phone: +91-1234567890
Address: NOIDA