Cancellation & Refund Policy

Effective Date: 21 September 2026

Last Updated: 21 September 2026

This Cancellation & Refund Policy explains the conditions under which payments made to Bynzo Innovative Pvt. Ltd., operating under the brand name Bynzo, may be cancelled, refunded, adjusted or treated as non-refundable.

This Policy applies to Bynzo Services, campaigns, orders and other eligible transactions unless applicable law requires otherwise.

By making a payment through Bynzo, you agree to this Cancellation & Refund Policy together with the Bynzo Terms & Conditions and Privacy Policy.

1. General Refund Rule

Where a client makes an advance payment for a Service, campaign or eligible transaction, the client may request cancellation and refund within 48 hours from the time the payment is successfully completed.

The 48-hour period is calculated from the successful payment time recorded by Bynzo or the applicable payment provider.

A refund request submitted after the 48-hour period will normally not be eligible for refund, except where the Bynzo non-performance exception described in this Policy applies or where applicable law requires otherwise.

2. Refund Within 48 Hours

A client may request cancellation within 48 hours after successful payment.

This rule applies whether or not work has already started during the 48-hour period.

Where the request is valid and approved, the eligible refundable Service or campaign amount may be refunded in accordance with this Policy.

The refundable amount may include:

Eligible Service amount
Eligible campaign amount
Applicable tax attributable to the refundable amount, where legally adjustable

Certain charges described in this Policy remain non-refundable.

3. Cancellation After 48 Hours

After 48 hours from successful payment, the payment will normally become non-refundable.

This rule applies whether:

Work has started
Work has not started
The client changes their mind
The client no longer wishes to continue
The client no longer requires the Service
The client delays providing information
The client fails to continue with the applicable workflow

After expiry of the 48-hour period, a refund will normally not be issued solely because work has not yet started.

The Bynzo non-performance exception described below remains separately applicable.

4. Non-Refundable Charges

The following charges may be non-refundable once incurred or applicable:

Payment gateway charges
Payment processing charges
Transaction charges
Convenience charges
Platform charges
Service charges
Campaign service charges
Applicable third-party processing charges
Other charges already incurred in processing the transaction

These charges may remain non-refundable even where the underlying Service amount is eligible for refund.

5. Tax on Refunds

Where an eligible Service or campaign payment is refunded, applicable tax connected with the refundable amount may also be adjusted or refunded where permitted and required under applicable tax and accounting rules.

Tax treatment may depend on:

Invoice status
Credit note requirements
Applicable tax law
Payment status
Accounting records

Bynzo may issue an appropriate credit note, adjustment document or other accounting record where required.

6. Campaign Service Charges

Where a campaign has started and the applicable service charge, platform charge or commission has become applicable, such charge may be treated as non-refundable.

A refund of an underlying eligible amount does not automatically require refund of an already applicable campaign service charge.

7. Bynzo Non-Performance Exception

If Bynzo Innovative Pvt. Ltd. is unable to begin the applicable work due to a reason attributable to Bynzo and the work has not started within 30 days, the client may request a refund.

Bynzo will review the transaction and determine whether:

The work has not started
At least 30 days have passed
The delay or inability to begin the work is attributable to Bynzo
The transaction is otherwise eligible for refund

If these conditions are satisfied, the eligible refundable amount may be approved.

This exception may apply even where the normal 48-hour cancellation period has already expired.

8. Refund Method

An approved refund may be processed through an appropriate method depending on the original transaction and Bynzo's financial workflow.

The amount may be:

Returned through the original payment method where available
Credited to the relevant Bynzo business or account balance
Adjusted against another eligible outstanding amount where appropriate
Processed through another approved financial method

Bynzo may determine the appropriate refund method based on transaction status, payment-provider capability and accounting requirements.

9. Refund Processing Time

After a refund request is approved, Bynzo will initiate or process the refund within a reasonable period.

After Bynzo successfully initiates a refund, the time required for the money to appear in the user's bank account, card, UPI account or other payment instrument may depend on the relevant:

Bank
Payment gateway
Payment method
UPI provider
Card network
Banking holidays
Other third-party processing systems

Bynzo cannot guarantee the exact time taken by an external bank or payment provider after a refund has been successfully initiated.

10. Refund Request Requirements

A client requesting a refund may be required to provide information such as:

Name
Registered email or mobile number
Business or account information
Invoice number
Payment reference
Transaction ID
Payment date
Payment amount
Reason for refund request
Other information reasonably necessary to verify the transaction

Bynzo may delay processing until sufficient information is provided to verify the request.

11. Refund Verification

All refund requests may be subject to verification.

Bynzo may review:

Payment status
Transaction records
Invoice records
Campaign records
Order records
Account activity
Work status
Financial adjustments
Previous refunds
Relevant communications

Submitting a refund request does not automatically mean that the refund has been approved.

12. Fraud or Suspicious Activity

Where Bynzo reasonably suspects:

Fraud
False information
Fake payment proof
Manipulated transaction information
Refund abuse
Chargeback abuse
Account misuse
Unauthorised activity

Bynzo may temporarily hold or restrict:

Refunds
Payments
Account balance
Payouts
Transactions
Account access

The restriction may continue while the matter is investigated.

After review, Bynzo may approve, reject, adjust or otherwise process the transaction according to available records and applicable law.

13. Incorrect Payment Details

Users must make payments only to payment details officially provided or displayed by Bynzo for the relevant transaction.

If a user sends money to an incorrect:

Bank account
UPI ID
QR code
Mobile number
Payment address
Other payment destination

that was not correctly provided by Bynzo for that transaction, Bynzo cannot guarantee recovery or refund of that money.

Bynzo may provide reasonable assistance where possible, but recovery will depend on the relevant bank, payment provider or recipient.

Users are responsible for verifying payment details before making a payment.

14. Duplicate or Excess Payment

If a user accidentally makes a duplicate or excess payment, the user should contact Bynzo.

Bynzo will verify the transaction.

After verification, the eligible excess amount may be:

Refunded
Credited to the applicable Bynzo account or business balance
Adjusted against an outstanding amount
Applied to another eligible transaction where appropriate

The amount due to the user will be determined according to verified payment and financial records.

15. Failed Payments

A payment that is:

Failed
Declined
Cancelled
Reversed
Not confirmed
Not successfully received

will not be treated as a completed payment by Bynzo.

If an amount appears to have been deducted from the user's account despite a failed transaction, the user should first allow the relevant bank or payment provider to complete its reversal process.

Bynzo may assist with verification using available payment-provider records.

16. Chargebacks and Reversals

If a payment previously recorded as successful is later:

Charged back
Reversed
Cancelled by the payment provider
Returned by a bank
Disputed and reversed

Bynzo may reverse the related account credit or payment allocation.

The corresponding invoice, campaign, order or account amount may again become unpaid or outstanding.

Bynzo may restrict relevant funds or transactions while the chargeback is under investigation.

17. Service Delays

A normal operational delay does not automatically create a right to a refund.

Refund eligibility remains subject to:

The 48-hour cancellation rule
The 30-day Bynzo non-performance exception
Applicable law
Other conditions stated in this Policy

Bynzo may review delays individually where necessary.

18. Client-Caused Delays

A refund may not be available merely because progress is delayed due to the client's failure to:

Provide required information
Provide access
Provide content
Respond to requests
Complete required approvals
Submit required documents
Cooperate with the applicable workflow

Such delay will not automatically be treated as failure by Bynzo to begin or provide the Service.

19. Rejected Participant Work

Where a campaign participant's work is rejected in accordance with the applicable workflow, payment for that rejected work will not be payable.

A rejected participant submission does not automatically create an additional refund entitlement for another user.

Any client refund will be determined separately under this Policy.

20. Approved Participant Work

Participant payment becomes eligible after the applicable work successfully completes the required approval process.

Where additional campaign closure, reconciliation or financial verification is required, payment may remain subject to those requirements.

21. Cancellation by Bynzo

Bynzo may cancel, suspend or discontinue a transaction or Service where reasonably necessary because of:

Fraud
Security concerns
Illegal activity
Incorrect information
Non-payment
Serious violation of Bynzo Terms
Technical impossibility
Legal or regulatory requirements
Other legitimate operational reasons

Where Bynzo cancels a paid Service for reasons attributable to Bynzo and the client is not responsible for the cancellation, Bynzo may determine and process the appropriate eligible refund.

22. Financial Adjustments

Where an invoice has already been finalised, Bynzo may not directly alter the original issued invoice.

Where necessary, a refund or cancellation may instead be recorded using:

Credit note
Debit note
Refund entry
Reversal entry
Account adjustment
Other appropriate accounting record

This allows Bynzo to preserve the original financial history and maintain accurate audit records.

23. Refund to Account Balance

Where an eligible refund is credited to a Bynzo account or business balance, the credited amount may later be available for eligible:

Services
Campaigns
Invoices
Orders
Other Bynzo transactions

depending on the applicable account and financial workflow.

A credit entry does not represent an additional payment. It records the amount available to the relevant account.

24. No Cash Refund for Unreceived Money

Bynzo will not be required to refund money that Bynzo has not actually received or successfully verified.

A screenshot, message or payment claim alone does not prove successful receipt of funds.

Bynzo may rely on verified bank, gateway and internal transaction records.

25. Refund Abuse

Bynzo reserves the right to investigate repeated, unusual or suspicious refund requests.

Examples may include:

Repeated payment and cancellation activity
False refund claims
Manipulated transaction evidence
Duplicate refund claims
Chargeback abuse
Attempts to obtain both a refund and the Service

Where abuse is reasonably suspected, Bynzo may hold the request while verification is completed.

26. Changes to This Policy

Bynzo may update this Cancellation & Refund Policy from time to time because of:

Business changes
Payment-provider changes
Service changes
Accounting requirements
Legal requirements
New platform functionality

The Last Updated date will be revised when this Policy changes.

Where applicable law requires additional notice regarding a material change, Bynzo may provide such notice.

27. Applicable Law

This Cancellation & Refund Policy is subject to applicable laws of India.

Nothing in this Policy is intended to remove or restrict any mandatory right or remedy that cannot legally be excluded.

Where applicable law requires a refund despite another provision of this Policy, Bynzo will comply with the applicable legal requirement.

28. Refund Support

For cancellation or refund requests, contact:

Bynzo Innovative Pvt. Ltd.

Email: bynzoinnovative@gmail.com

Website: bynzoinnovative.com

When contacting Bynzo, please provide sufficient payment and transaction information so that the request can be reviewed.

29. Contact Us

Bynzo Innovative Pvt. Ltd.

Operating as Bynzo

Registered / Business Address:

AKBARPUR, CHOCK BICHALI MALAHI

Barh Patna, Barh

Bihar, India - 803213

Email: bynzoinnovative@gmail.com

Website: bynzoinnovative.com