Privacy & Refund Policy

1. Information We Collect

• Name, phone number, email
• Government ID Details (optional, for service processing)
• Bank account details (for payments)

2. How We Use Information

• Provide platform services and process payments
• Process user information for service support and platform operations
• Improve user experience

3. Data Protection & Sharing

We implement secure encryption and restricted access. We do NOT sell your personal data. Data is shared only with payment partners and service partners.

4. Cookies & User Rights

We use cookies to improve experience. You have the right to request access, correction, or deletion of your personal data.

1. Cancellation Policy

• Users may cancel before activation of services.
• After activation, cancellation may not be permitted.

2. Refund Policy

• No refunds once the service is activated.
• Any eligible refunds will be processed within 7–10 working days.
• Platform service fees are non-refundable once services are delivered.

3. Failed Transactions

In case of failed payments where money is deducted, refunds (if applicable) will be processed automatically.

4. Contact & Disputes

For any privacy concerns or payment disputes, please contact us at:
Email: pao@sainik.loan