Refund & Cancellation Policy

This Refund & Cancellation Policy explains how refunds, cancellations, disputes, and chargebacks are handled on Ngine, a platform owned and operated by NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED.

Ngine provides technology that enables creators, businesses, and sellers to offer products and services. Refund eligibility may vary depending on the product, service, subscription, applicable laws, and the policies of individual sellers.

By purchasing products or services through Ngine, you agree to this Refund & Cancellation Policy.

Platform Responsibility

Ngine is a technology platform that connects buyers and sellers.

Unless otherwise expressly stated, NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED is not the seller of products or services listed by users on the platform.

Individual sellers are responsible for:

Product quality
Product delivery
Customer support
Refund decisions
Compliance with applicable consumer protection laws

Refund Eligibility

Refund requests may be considered in situations including:

The purchased product was not delivered.
The purchased product is significantly different from its description.
A duplicate payment was made.
A technical error resulted in an incorrect charge.
The seller approves the refund request.
A refund is required by applicable law.

Refund approval is subject to review and may require supporting information.

Non-Refundable Purchases

Unless required by applicable law, refunds are generally not available for:

Successfully delivered digital products.
Downloaded digital content.
Completed subscriptions for the current billing period.
Services that have already been fully provided.
Purchases made in violation of our Terms or Community Guidelines.
Purchases where fraudulent activity is suspected.

Certain sellers may offer more favorable refund policies.

Subscription Cancellations

Users may cancel eligible subscriptions at any time.

Unless otherwise stated:

Cancellation prevents future recurring charges.
The current subscription period will remain active until its expiration date.
Cancellation does not automatically result in a refund for previous payments.

Seller Refund Policies

Individual sellers may establish their own refund policies where permitted.

Seller refund policies must:

Be clearly disclosed before purchase.
Comply with applicable laws.
Not conflict with Ngine's Terms of Service.

Where a seller's refund policy applies, it will govern the transaction.

Refund Process

To request a refund, buyers should first contact the seller directly through the platform.

If the matter cannot be resolved, buyers may contact Ngine Support with:

Order details.
Transaction ID.
Description of the issue.
Supporting documentation where applicable.

Refund requests are reviewed on a case-by-case basis.

Processing Time

If a refund is approved:

Processing times may vary depending on the payment provider.
Banks and payment providers may require additional processing time.
Ngine does not control payment provider settlement times.

Chargebacks

Users are encouraged to contact the seller or Ngine Support before initiating a chargeback with their payment provider.

Fraudulent or abusive chargebacks may result in:

Account restrictions.
Suspension of purchasing privileges.
Permanent account termination where appropriate.

Fraud Prevention

To protect buyers and sellers, Ngine reserves the right to:

Review refund requests.
Request identity verification.
Request additional documentation.
Delay or deny suspicious refund requests.
Investigate fraudulent activity.

Fraud prevention measures help protect the integrity of the platform.

Payment Providers

Payment transactions are processed by supported third-party payment providers.

Refund processing, payment reversals, and settlement timelines may be subject to the policies of those providers.

Ngine is not responsible for delays caused by third-party payment processors or financial institutions.

Changes to this Policy

This Refund & Cancellation Policy may be updated periodically to reflect changes in platform features, legal requirements, payment provider policies, or business operations.

The latest version will always be available on our website.

Continued use of Ngine constitutes acceptance of any updated version of this Policy.

Contact Information

Company: NGINE CREATOR NETWORK (SMC-PRIVATE) LIMITED

Platform: Ngine

Website: https://myngine.com

Email: [email protected]

Business Address: H-269, Street 3, C Area, New Muzaffarabad Colony, Karachi, Pakistan