REFUNDS AND CHARGE BACK  

• Subject the sub- clause below, if any amount is payable by the User to VALUVANADU by way for any services offered by VALUVANADU or otherwise at any given point in time, in the event a request made by the User is not a valid request, or if it is rejected by VALUVANADU for any reasons whatsoever, the User agrees to pay to VALUVANADU processing charges and VALUVANADU shall refund such amounts as may be decided by VALUVANADU in its sole discretion from time to time 
• Any refund or charge back shall be made in accordance with the terms and conditions of the relevant service provider providing the payment gateway and other related services.