Return and Refund Policy

Last updated: March 15, 2026

Thank you for using the PhonMoney website and mobile application ("Platform").

This Return, Refund & Payment Facilitation Policy outlines the terms governing transactions made through PhonMoney. By using the Platform, You agree to the terms set forth below.

1. Nature of Services

PhonMoney operates solely as a technology and payment facilitation platform that enables Users to make payments to third-party merchants for goods and services.

  • PhonMoney does not sell, supply, own, or control any goods or services offered by merchants.
  • All transactions are solely between You and the respective merchant.
  • PhonMoney acts only as an intermediary/payment facilitator.

2. No Responsibility for Goods or Services

PhonMoney expressly disclaims any responsibility or liability for:

  • Quality, quantity, safety, or legality of goods/services
  • Accuracy of product descriptions or pricing
  • Delivery, non-delivery, or delays
  • Warranty or after-sales services

All such responsibilities rest solely with the respective merchant.

3. Order Cancellation

Any request for cancellation must be made directly with the merchant.

  • Cancellation terms are governed by the merchant’s policies.
  • PhonMoney has no authority to cancel orders on behalf of Users.

4. Refund Policy

  • Refunds are initiated and approved only by the merchant.
  • Approved refunds will be processed through the original payment method.
  • PhonMoney is not responsible for delays, partial refunds, or rejected refunds.

5. Promotional Offers, Discounts & Cashback

PhonMoney may provide promotional benefits such as discounts, cashback, or rewards.

  • These offers are subject to specific terms and conditions.
  • Benefits may be reversed or cancelled in case of refunds, cancellations, or suspected fraud.
  • PhonMoney reserves the right to determine eligibility.

6. Returns of Goods

PhonMoney does not handle or process returns of goods.

  • All return requests must be directed to the merchant.
  • Return eligibility and timelines are governed by merchant policies.

7. Dispute Resolution

  • All disputes must be resolved directly between You and the merchant.
  • PhonMoney may assist in communication but is not a party to disputes.
  • PhonMoney is not liable for any claims or damages arising from disputes.

8. Limitation of Liability

To the maximum extent permitted by law:

  • PhonMoney shall not be liable for any direct, indirect, incidental, or consequential damages.
  • This includes loss of money, data, or profits.
  • PhonMoney’s total liability, if any, shall not exceed the transaction amount processed through the Platform.

9. User Responsibility

  • You are responsible for reviewing merchant policies before making purchases.
  • You agree to provide accurate information.
  • You will contact merchants directly for any product or service issues.

10. Amendments

PhonMoney reserves the right to modify or update this Policy at any time without prior notice. Continued use of the Platform constitutes acceptance of the updated terms.

11. Contact Us

If You have any questions regarding payments or platform-related issues, please contact us: