CANCELLATION AND REFUND POLICY

(Effective from 1st November 2025)

Website: www.aaopay.in | Platform: AaoPay / Hari Pay Private Limited

1. Introduction

We, at HARI PAY PRIVATE LIMITED (“AaoPay” or “We”), deeply value your trust and are committed to protecting it. This Cancellation and Refund Policy (“Policy”) outlines the principles and procedures governing refunds, reversals, and cancellations of payments made through our platforms AaoPay/Hari Pay Private Limited.

You (“You”, “Customer”, or “User”) acknowledge that by accessing our website www.aaopay.in or using our mobile application (“App”), you agree to comply with this Policy and the applicable terms of service.

HARI PAY PRIVATE LIMITED, operating under the brand names AaoPay/Hari Pay Private Limited, acts as a Payment Facilitator and Aggregator between Users (Payers) and Merchants/Aggregators/Service Partners (Payees), ensuring secure and transparent transactions in accordance with the Reserve Bank of India’s Payment Aggregator Guidelines (2020), the Information Technology Act, 2000, and other applicable laws of India.

2. Scope and Applicability

This Policy applies to all payments made via AaoPay/Hari Pay Private Limited platforms, including but not limited to merchant payments, service charges, utility bill payments, mobile recharges, and other online payment services facilitated by HARI PAY PRIVATE LIMITED.

3. Refund for Failed Transactions

If a transaction fails due to network, system, or banking error, but the User’s account has been debited, AaoPay/Hari Pay Private Limited will automatically initiate a refund to the original payment source within 3–7 business days.

No refund charges will apply. Users are encouraged to retain the transaction ID for tracking.

4. Refund for Successful Payment but Service Not Delivered

If a payment succeeds but the User does not receive the intended service or product, AaoPay/Hari Pay Private Limited will verify the issue with the relevant Merchant or Aggregator. Upon confirmation, a refund will be initiated within 10–15 business days.

Users must submit a complaint within 7 days of the transaction, including all relevant proof (transaction ID, screenshots, communication with merchant, etc.).

5. Refunds Governed by Merchant or Aggregator Policies

Refund requests related to cancellations, dissatisfaction, or returns (where the service or product was delivered correctly) shall be handled according to the respective Merchant or Aggregator’s refund policy. AaoPay/ Hari Pay Private Limited will facilitate coordination but bears no financial liability for such cases.

6. Cancellation Policy

Users can cancel a payment only before the transaction is processed. Once payment is successfully completed, cancellation is not possible from AaoPay/HariPay’s end. For cancellations after payment, Users must directly contact the concerned Merchant or Aggregator under their specific policy.

7. Refund Processing Timelines

Failed Transaction: 3–7 business days.
Successful Transaction but No Service: 10–15 business days.days (post verification).
Merchant Policy Refund: 7–30 days as per terms.
Fraud or Unauthorized Transaction: Post-investigation refund within 30–45 business days.

8. Non-Refundable Transactions

Refunds are not applicable for:

Wrong or incorrect beneficiary details.
Processed prepaid mobile/DTH recharges.
Disputes raised after 30 days.
Payments made voluntarily to wrong accounts.

9. Fraud, Cybersecurity, and Dispute Resolution

Users suspecting unauthorized or fraudulent activity must immediately report it to compliance.haripay@aaopay.in or call +91 7840075527. AaoPay/ Hari Pay Private Limited will assist law enforcement agencies by sharing transaction logs, timestamps, IP addresses, and routing details upon receipt of valid requests (FIR or court order). Fraud-related refunds will be processed only after verification and legal clearance.

10. Data Retention and Evidence Handling

All transaction logs and metadata are retained for at least three (3) years and shared only with authorized authorities under the Information Technology Act, 2000.

11. Grievance Redressal Mechanism

Nodal Grievance Officer: Divyanshu Kumar
Email: compliance.haripay@aaopay.in
Phone: +91 7840075527

Complaints are acknowledged within 48 hours and resolved within 15 business days. Unresolved issues may be escalated to the RBI Ombudsman or Cyber Crime Cell.

12. Legal Jurisdiction

All disputes under this Policy shall be governed by Indian law. The courts at Lucknow shall have exclusive jurisdiction.

This Cancellation and Refund Policy reflects HARI PAY PRIVATE LIMITED’s commitment to transparency, security, and compliance with Indian financial regulations.

Annexure – Cyber Fraud Transactions & Police Cooperation Policy

Effective Date: 01 November 2025 | Last Updated: 26 October 2025

This annexure forms an integral part of the Cancellation and Refund Policy of Hari Pay Private Limited (“AaoPay” / “Hari Pay Private Limited”). It defines the official framework for cooperation with law enforcement authorities in cases involving cyber fraud, financial scams, or unauthorized electronic transactions processed through AaoPay or Hari Pay Private Limited systems.

1. Objective

To ensure lawful, transparent, and timely coordination with law enforcement agencies such as YS Police, Cyber Crime Units, and Financial Investigation Teams during the handling of fraudulent or disputed transactions.

2. Authorized Law Enforcement Contact

Nodal Officer (Law Enforcement & Compliance)

Name: Divyanshu Kumar

Email: lawenforcement@aaopay.com

Phone: +91-7840075527

Acknowledgement Time: Within 48 hours of receipt of official communication.

3. Legal Requests and Evidence Submission

Law enforcement agencies can request transaction or technical data through any of the following official modes:

A written notice on official letterhead from a gazetted or authorized officer.
A copy of the FIR or Cyber Crime Complaint.
Court order or summons requesting evidence.

Requests must specify the transaction ID, date/time, amount, and parties involved. AaoPay/ Hari Pay Private Limited will verify the authenticity of each request before sharing information.

4. Type of Data Provided

Subject to verification and legal authorization, AaoPay/ Hari Pay Private Limited may provide:

Transaction details: UTR, Transaction ID, amount, timestamps.
Technical metadata: IP address, device ID, browser agent, and network identifiers.
Payment routing information: PSP, acquiring bank, settlement channel.
Beneficiary information: Merchant or aggregator name, account details, and KYC references.
System logs: API calls, response codes, and authorization audit trails.

All data provided shall be accompanied by a certified digital signature to preserve evidentiary integrity.

5. Data Preservation and Forensic Integrity

Once a valid request or complaint is received, all relevant logs and digital records shall be preserved for a minimum of 90 days or until the investigation concludes. No deletions or modifications will be permitted during this retention period. Certified electronic copies (PDF/XML/JSON) shall be made available for investigative use.

6. Fraud Handling and Transaction Hold

Upon identification of a suspected fraudulent transaction, AaoPay/ Hari Pay Private Limited may coordinate with partner banks or PSPs to place a temporary hold on the settlement of funds. This hold will remain in effect until the conclusion of the investigation. If fraud is confirmed, the disputed amount may be refunded to the legitimate customer under the supervision of the concerned authorities.

7. Coordination Procedure

AaoPay/ Hari Pay Private Limited will maintain active communication with:

Investigating Officers or Cyber Crime Units for real-time verification.
Partner Banks and Payment Service Providers for fund tracing or freezing.
Merchant Aggregators for downstream fund recovery or account traceability.

AaoPay/ Hari Pay Private Limited shall ensure prompt and lawful cooperation until the matter is resolved.

8. Confidentiality and Data Security

All disclosures are strictly made in compliance with the Information Technology Act, 2000 and applicable data protection laws. Information is transmitted only through encrypted and secure channels. Access is restricted to authorized law enforcement officials and recorded in the disclosure register for accountability.

9. Response Timelines

The following table outlines the standard timelines for responding to law enforcement or cyber investigation requests:

Action	Responsible Entity	Maximum Timeframe
Acknowledgment of Police Request	Law Enforcement Officer (AaoPay/ Hari Pay Private Limited)	Within 48 hours of receipt
Primary Data Submission	Legal & Compliance Team	Within 5–7 business days of verification
Technical Clarification or Follow-up	Law Enforcement Liaison Officer	Continuous coordination until case closure

All timelines mentioned above represent maximum response limits. AaoPay/ Hari Pay Private Limited shall strive to respond earlier wherever possible, ensuring that cybercrime investigations proceed without delay.

10. Final Note

Hari Pay Private Limited recognizes the critical role of law enforcement and remains committed to ensuring every valid fraud complaint receives full investigative support. This annexure reinforces our dedication to transparency, accountability, and user protection in the digital financial ecosystem.

Effective Date: 01 November 2025

Last Updated: 26 October 2025

Auto-Reversal (Automatic Refund): If a payment fails but funds are debited, refunds will be automatically processed within 3–5 business days per RBI and NPCI rules.

Liability Disclaimer: AaoPay/HariPay shall not be liable for delays caused by banks, payment gateways, or network partners. The company will assist users but cannot bear financial responsibility for such delays.

Note: The detailed Annexure on Cyber Fraud Cooperation can be accessed through a downloadable version on the official website.