Refund & Chargeback Handling Process
Valid Investment Application Refund Timeline and Chargeback Handling Process
1. Valid Investment Application Refund Timeline
This section applies only to payments received through official Talkfever-approved investment payment channels and against a valid investment application, rights issue application, private placement application, share subscription application or other company-approved securities-related process.
A refund may be considered where:
- Investment application is rejected by Talkfever
- Application is incomplete or invalid
- Investor verification or KYC fails
- Investor is found ineligible
- Payment is received after offer closure
- Excess or duplicate payment is received
- Allotment is not approved
- Offer or investment process is withdrawn
- Corporate, legal or compliance process requires refund
Payment alone does not create shareholder status, allotment right or securities ownership.
2. Standard Refund Timeline
| Scenario | Refund Target |
|---|---|
| Application rejected before allotment | 7 to 15 working days from rejection approval and bank verification |
| Duplicate payment through official channel | 7 to 15 working days from confirmation of duplicate receipt |
| Excess payment through official channel | 7 to 21 working days from reconciliation and compliance approval |
| Offer withdrawn or allotment not made | 15 to 30 working days, or as per official offer/application documents |
| Failed transaction (amount received by Talkfever later) | 7 to 21 working days after bank/payment gateway reconciliation |
| Investment process requiring statutory approval | As per applicable law, official offer documents and compliance requirements |
3. Conditions Before Refund Processing
Refund will be processed only after Talkfever completes necessary verification including:
- Confirmation that payment was received in official Talkfever-approved account
- Verification of investor name, registered mobile number and email
- Verification of transaction ID / UTR / payment reference
- Matching of payment amount with official bank/payment records
- Verification of original payment source
- KYC or identity verification, where required
- Compliance, tax and accounting review
- Confirmation that no allotment has been completed
- Confirmation that refund is not restricted by law, court order or fraud investigation
4. Refund Method
Approved refunds will normally be made only to the original payment source or to the verified bank account of the original payer. Refunds will not be issued in cash or to personal accounts of representatives, agents, employees or third parties.
5. No Refund for Unauthorized Payments
Talkfever will not refund payments made to fake agents, personal bank accounts, personal UPI IDs, unknown QR codes, social media payment links, cash collectors, fake websites, or any account not officially approved by Talkfever Social Media Limited.
Chargeback Handling Process
6. Meaning of Chargeback
A chargeback means a payment dispute raised by a payer through a bank, card network, UPI provider, payment gateway or other payment service provider claiming reversal of a transaction.
7. Chargeback Review by Talkfever
When Talkfever receives a chargeback notice, it may review payment records, investor application details, EOI submission records, communication history, invoice/receipt records, KYC and verification status, official bank confirmation, refund request history, allotment status and evidence of service delivery.
8. Chargeback Timeline
Chargeback timelines are controlled by the bank, payment gateway, card network or UPI provider. Talkfever will make reasonable efforts to respond within the timeline provided by the relevant payment partner. Talkfever does not control final chargeback approval or rejection decisions.
9. Chargeback While Refund Is Pending
If a refund request is already under review and the user also raises a chargeback, Talkfever may pause the internal refund process until the chargeback is resolved to avoid duplicate reversal.
10. Valid Chargeback Cases
Talkfever may cooperate with payment partners in genuine cases such as duplicate debit, failed transaction where amount was received, payment without application, unauthorized transaction supported by bank records, or technical error confirmed by payment gateway.
11. Invalid or Abusive Chargebacks
Talkfever may contest chargebacks where payment was made voluntarily, event access was provided, document access was granted, investor application was processed, or chargeback appears fraudulent or abusive.
False or abusive chargebacks may result in:
- Investor portal access restriction
- Event access cancellation
- EOI rejection
- Document access suspension
- Application hold
- Legal action and recovery of costs
12. Chargeback and Application Status
Raising a chargeback may affect the investor's application status. If raised before allotment, the application may be put on hold, paused, rejected or treated as disputed. If raised after allotment, Talkfever may take legal, corporate and compliance steps as required.
13. Documents Required
The user may be asked to provide full name, registered mobile number, email, application reference number, payment amount, date, transaction ID/UTR, bank statement showing debit, payment screenshot, reason for chargeback/refund, copy of bank communication and any supporting evidence.
14. Investor Responsibility
Investors are responsible for verifying payment details before payment, paying only through official channels, keeping transaction proof, not raising false or duplicate chargebacks, not claiming refund from both Talkfever and bank for the same transaction, and responding promptly to verification requests.
Contact Us
For valid investment application refund, failed transaction, duplicate payment or chargeback support, contact:
Talkfever Social Media Limited
Registered Office: 18B, Basant Vihar, City Centre, Gwalior, Madhya Pradesh, India
CIN: U63120MP2020PLC050969
ISIN: INE1GRK01018 (NSDL)
Phone: 02269621912
Investor Portal: https://investor.talkfever.com