Effective Date: 25 February 2026

Refund & Cancellation Policy

This Refund & Cancellation Policy forms part of BMU’s Terms & Conditions and applies to all paid plans, subscriptions, add-ons, boosts, and service-based offerings available on the BMU Platform.

1. General Policy

• 1.1 All payments made to BMU are subject to this Refund Policy.
• 1.2 By purchasing any paid plan or service, you agree to the refund terms mentioned below.
• 1.3 Refunds, where applicable, will be processed only to the original payment method used at the time of purchase.

2. Subscription Plans (Smart, Assist, Closure & Verified Variants)

• 2.1 Before Plan Activation
  • If you cancel before activation and before any contact credits or RM services are assigned:
  • 100% refund may be processed after deduction of payment gateway charges.
• 2.2 After Plan Activation
  • Once any of the following occurs, the plan is considered activated:
  • Contact credits are unlocked
  • Verified contacts are shared
  • RM is assigned
  • Shortlisting or lead filtering begins
  • Boost or visibility services go live
  • After activation:
  • No full refund will be provided.
  • Partial refunds are not guaranteed and will be reviewed case-by-case.
• 2.3 Contact Credits Usage
  • If contact credits have been accessed, downloaded, viewed, or used:
  • No refund will be issued for used credits.
  • Unused credits may be reviewed for partial adjustment only if no meaningful service has been delivered.

3. Verified Listing & Verification Fees

• 3.1 Verification fees are non-refundable once:
  • Documents are submitted for review
  • Verification process has started
  • Verified badge has been granted
• 3.2 If verification is rejected due to incomplete or invalid documents:
  • Fees are non-refundable.
  • User may reapply subject to fresh review.

4. Boost & Premium Visibility Services

• 4.1 Once a property boost, featured placement, or homepage highlight goes live:
  • The service is considered delivered.
  • No refund will be provided for completed or ongoing boost duration.
• 4.2 If a technical error from BMU prevents boost activation:
  • The duration will be extended or proportionate refund issued.

5. Relationship Manager (RM) Services

• 5.1 RM fees are non-refundable once:
  • RM is assigned
  • First contact/shortlist is shared
  • Any assisted communication has taken place
• 5.2 Dissatisfaction with negotiation outcome, market price, or deal closure does not qualify for refund.

6. Loan Assistance & Legal Services

• 6.1 Fees paid for:
  • Legal document check
  • Loan processing assistance
  • Property development consultation
  • Conversion assistance
  • Katha transfer support
  Are non-refundable once:
  • Case is assigned to service team
  • Documents are reviewed
  • Process has been initiated
• 6.2 Loan approval or rejection depends on lender criteria.
  BMU does not guarantee loan sanction.
  No refund will be provided due to loan rejection.

7. Duplicate Payments

If a user is charged twice due to technical error:
The duplicate amount will be refunded within 7–10 business days after verification.

8. Fraudulent / Policy Violation Cases

• No refund will be issued if:
• False documents are submitted
• Ownership misrepresentation is found
• Platform misuse or fraud is detected
• Account is suspended due to Terms violation

9. Cooling-Off Period (Limited Cases)

• At BMU’s sole discretion, a refund may be considered if:
• Cancellation request is made within 24 hours of payment
• No credits accessed
• No RM assigned
• No service delivered
• Gateway charges may be deducted.

10. Processing Timeline

• Approved refunds will be processed within 7–14 business days.
• Actual credit time depends on the payment provider and bank.

11. Non-Refundable Situations

Refunds will NOT be issued for:

• Change of mind after plan activation
• Market conditions
• Property not sold/rented within validity period
• Price disagreement
• Buyer/seller backing out
• Delay caused by third-party lenders or authorities
• Expired plan validity

12. Force Majeure

BMU shall not be liable for failure or delay in performance due to events beyond reasonable control (natural disasters, government restrictions, technical outages, etc.). Refunds will not be issued in such circumstances.

13. How to Request a Refund

To request a refund, email: buildmyuniversee@gmail.com

• Registered mobile number
• Plan name
• Payment receipt
• Reason for request

All refund requests are subject to internal review.

14. Final Decision

• All refund decisions are made at BMU’s discretion based on:
  • Service usage logs
  • Plan activation status
  • Policy compliance
  • Evidence submitted
• BMU reserves the right to approve or reject any refund request in accordance with this policy and applicable law.