Cancellations and Refunds Policy

Last updated: January 25, 2026

Important Notice: All transactions on Mihrab are final. We operate a strict no-refund and no-cancellation policy for all donations and advertising purchases, except in specific circumstances outlined below.

This Cancellations and Refunds Policy applies to all transactions made through the Mihrab application operated by MeritLife Technologies ("Company", "We", "Us", or "Our"). By using our Service, You acknowledge and agree to this policy.

1. General Policy

Mihrab operates as a technology platform connecting users with religious institutions and organizations. All financial transactions made through our Service are considered final and non-refundable. This includes:

Donations to Mosques, Madrashas, and other listed organizations (via Razorpay or UPI)
Advertisement purchases
Any other paid services offered through the platform

2. Donations - No Refunds Policy

All donations made through Mihrab are voluntary contributions and are considered final once the payment is processed. We do not offer cancellations or refunds for donations.

2.1. Platform-Managed Payments (Razorpay)

When donations are processed using MeritLife Technologies' payment gateway credentials:

No Refunds: Once a donation is successfully processed, it cannot be cancelled or refunded.
Transaction Fees: Payment gateway fees deducted from donations are non-recoverable.
Finality: The donation is immediately transferred to the settlement cycle and cannot be reversed.

2.2. Beneficiary-Managed Payments - Razorpay (Direct)

Critical Information: When a Listing (Mosque/Madrasha) uses their own Razorpay credentials for receiving donations:

Direct Transaction: Your payment goes directly to the Beneficiary's payment gateway account. MeritLife Technologies does not touch, hold, or control these funds.
No Authority to Refund: We have no technical or legal authority to process refunds for these transactions.
Contact the Beneficiary: Any refund request, dispute, or inquiry must be directed exclusively to the Mosque or Madrasha that received your donation.
Our Role: We act solely as a user interface facilitating the connection between You and the Beneficiary. We are not a party to the financial transaction.

2.3. Beneficiary-Managed Payments - UPI (Direct)

CRITICAL - UPI Transactions: When a Listing provides their own UPI ID for receiving donations:

Instant & Direct Transfer: UPI payments are transferred instantly and directly from Your bank account to the Beneficiary's bank account through the UPI network. MeritLife Technologies never touches, holds, or has any access to these funds.
Zero Control: We have absolutely no technical or legal ability to reverse, cancel, or refund UPI transactions. Once you confirm the payment in your UPI app, the transaction is immediate and final.
Your Responsibility: You are responsible for verifying the UPI ID and beneficiary name shown in your UPI app before confirming payment. Always check that the name matches the Mosque or Madrasha you intend to donate to.
Contact the Beneficiary Directly: For any refund requests or disputes related to UPI donations, you must contact the Mosque or Madrasha directly. They are the only party who can potentially return funds to you from their bank account.
Bank-Level Resolution: If you believe a UPI transaction was fraudulent or made in error, contact your bank immediately. MeritLife Technologies cannot assist with UPI transaction disputes.

3. Advertisement Purchases - No Refunds Policy

All advertisement purchases are final and non-refundable once payment is processed.

3.1. No Cancellation After Payment

Once an advertisement campaign is paid for, it cannot be cancelled.
You cannot receive a refund for unused advertising time or impressions.
If your advertisement is not yet live, you may request modifications to the content, but no refund will be provided.

3.2. Advertisement Rejection

If We reject your advertisement for violating our Content Guidelines (as outlined in our Terms and Conditions):

No Refund: Payment will not be refunded.
Modification Opportunity: You may be given one opportunity to modify the advertisement to comply with our policies, at our sole discretion.
Final Decision: Our decision to reject an advertisement is final and not subject to appeal.

4. Exceptions to the No-Refund Policy

Refunds may be considered only in the following exceptional circumstances:

4.1. Technical Errors

If a clear technical error occurs that results in:

Duplicate charges for the same transaction
Payment deducted from your account but transaction failed to reach the Beneficiary (applicable only to Platform-Managed Payments via Razorpay)
System malfunction causing an unintended transaction

            Important: Technical error refunds do not apply to UPI transactions. UPI payments are processed outside our system through the UPI network. Any UPI transaction issues must be resolved with your bank or the Beneficiary directly.
        

Action Required: You must report the technical error within 48 hours of the transaction by contacting us at info@meritlife.tech with:

Transaction ID or receipt
Detailed description of the error
Screenshots or supporting evidence

4.2. Legal Requirements

Refunds will be processed if required by applicable law or a valid court order.

4.3. Fraudulent Transactions

If your payment account was used without your authorization (fraudulent transaction):

Report it immediately to your bank/payment provider
Contact us at info@meritlife.tech with a police report or fraud claim reference
We will cooperate with law enforcement and financial institutions as required

For UPI Fraud: Since UPI transactions bypass our systems entirely, you must report fraudulent UPI transactions directly to your bank and the National Payments Corporation of India (NPCI). File a complaint through your UPI app or bank's fraud helpline immediately. Additionally, contact the Mosque/Madrasha as they received the funds directly.

5. How to Request a Refund (Exceptional Cases Only)

If you believe your situation qualifies under Section 4 above:

Email us at: info@meritlife.tech
Subject line: "Refund Request - [Transaction ID]"
Include:
- Your full name and registered email/phone number
- Transaction ID and date
- Payment method used (Platform Razorpay, Beneficiary Razorpay, or UPI)
- Detailed reason for refund request
- Supporting documentation
We will review your request within 7-10 business days

Important: Submitting a refund request does not guarantee approval. Each case is evaluated individually at our sole discretion. Refund requests for UPI transactions will be redirected to the Beneficiary as we have no access to those funds.

6. Refund Processing (If Approved)

In the rare event that a refund is approved:

Platform-Managed Payments (Razorpay): Refund will be processed to the original payment method within 7-14 business days after approval.
Beneficiary-Managed Payments (Razorpay): We cannot process the refund. You must obtain it directly from the Mosque/Madrasha.
Beneficiary-Managed Payments (UPI): We cannot process the refund. The Beneficiary must return the funds directly to your bank account or UPI ID. This is completely outside our control.
Payment Gateway Fees: Transaction fees charged by Razorpay or other payment processors are non-refundable and will be deducted from any approved refund amount. UPI transactions typically have no transaction fees.

7. UPI-Specific Guidelines

            Understanding UPI Transactions: UPI (Unified Payments Interface) enables instant bank-to-bank transfers. When you donate via UPI, the money moves directly from your bank to the Beneficiary's bank in real-time, completely outside of MeritLife Technologies' systems.
        

7.1. Before Making a UPI Donation

Verify the UPI ID: Always check the UPI ID displayed in the Mihrab app matches what appears in your UPI payment app
Check Beneficiary Name: Your UPI app will show the name linked to the UPI ID. Verify it matches the Mosque or Madrasha you intend to donate to
Double-Check Amount: UPI transactions are instant and irreversible. Confirm the amount before authorizing
Screenshot for Records: Take a screenshot of the transaction confirmation for your records

7.2. After Making a UPI Donation

Transaction Receipt: Your UPI app and bank will provide transaction confirmation. Keep this for your records
Tax Receipts: Contact the Mosque or Madrasha directly using the contact information in their Listing if you need a donation receipt or 80G certificate
Disputes: Any issues with UPI donations must be resolved directly with the Beneficiary or through your bank's dispute resolution process

7.3. What MeritLife Cannot Do for UPI Transactions

Clear Limitation: For UPI donations, MeritLife Technologies cannot:

View transaction details or confirmation
Cancel or reverse the transaction
Process refunds or returns
Mediate disputes between You and the Beneficiary
Provide tax receipts or donation certificates
Verify if funds were received by the Beneficiary

8. Chargebacks

If You initiate a chargeback or payment dispute through your bank or payment provider without first contacting us:

We reserve the right to suspend or terminate Your account
For Beneficiary-Managed Payments (Razorpay or UPI), the chargeback must be handled between You, your bank, and the Beneficiary's payment gateway or bank—We have no involvement
Initiating a chargeback does not guarantee a reversal of payment
UPI Chargebacks: UPI transactions typically cannot be charged back through traditional means. You must contact your bank's fraud department and the Beneficiary directly

9. No Cancellation of Recurring Donations

Currently, Mihrab does not offer recurring donation subscriptions. If this feature is added in the future, You will be able to cancel future recurring donations, but any donations already processed will remain non-refundable.

10. Tax Receipts and Documentation

Platform-Managed Payments (Razorpay): We will provide a transaction receipt via email. For tax exemption certificates (such as 80G in India), contact us if the Beneficiary has authorized us to issue such receipts on their behalf.
Beneficiary-Managed Payments (Razorpay or UPI): The Mosque or Madrasha is solely responsible for providing any tax receipts or certificates. We do not issue tax documentation for these transactions.

11. Contact Information

For any questions regarding this Cancellations and Refunds Policy, please contact us:

Email: info@meritlife.tech
Phone: +918190063600
Business Hours: Monday - Friday, 9:00 AM - 6:00 PM IST

For Beneficiary-Managed Payment Issues (Razorpay or UPI): Please contact the specific Mosque or Madrasha directly using the contact information provided in their Listing within the Mihrab app.

12. Changes to This Policy

We reserve the right to modify this Cancellations and Refunds Policy at any time. Changes will be effective immediately upon posting the updated policy on this page. Your continued use of the Service after any changes constitutes acceptance of the new policy.

13. Governing Law

This policy is governed by the laws of Tamil Nadu, India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts located in Tamil Nadu.

By using Mihrab, You acknowledge that You have read, understood, and agree to this Cancellations and Refunds Policy.