REFUND POLICY

In the event of Transaction remaining Pending on the Day of Transaction conducted by the Members, respective member should wait for a period of 48 to 72 Hours for Bank Reconciliation activity. Bank will intimate the status of transaction to YMCA. Member can call the YMCA and inquire about the status of payment in 48 to 72 Hours; should not initiate second transaction in case the Transaction remains Pending on the Day of Transaction. The Transaction amount that is debited from customer's Bank Account towards Online Payment remains with the customer's Bank till the time of final bank reconciliation activity.

In an event of double payment being received by YMCA, YMCA will credit the amount to the Member's account or refund the amount by Cheque as per its discretion.

BUSINESS ORDINANCE CLAUSE

"We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time"