Refund Policy

At STOWA (Securities & Timeshare Owners Welfare Association), we strive to provide excellent service to our members. This Refund Policy outlines the conditions under which refunds are processed for payments made on our website (https://stowa.co.in).

1. Eligibility for Refund

Refunds are applicable in the following cases:

Duplicate payments due to technical errors.
Payment failure where the amount is debited but services are not provided.
Overpayment or incorrect charges.
Cancellation of membership within the applicable cancellation period, if any

2. Non-Refundable Payments

The following payments are non-refundable:

Membership fees after the applicable cancellation period.
Donations or voluntary contributions.
Any fees for services already utilized

3. Refund Request Process

To request a refund, users must:

Email us at [unitedstowa@gmail.com] with transaction details.

Provide proof of payment (transaction ID, bank statement, or email confirmation).

Submit refund requests within [2] days of the transaction date

4. Refund Processing Time

Once approved, refunds will be processed within [X] business days.

Refunds will be credited through the original payment method.

Users will receive a confirmation email upon successful processing of the refund.

5. Dispute Resolution

In case of disputes regarding refunds, STOWA reserves the right to investigate and take appropriate action.

Users may escalate unresolved issues by contacting [unitedstowa@gmail.com]

6. Changes to This Refund Policy

STOWA reserves the right to update this Refund Policy as necessary. Any changes will be posted on this page with the updated date

7. Contact Information

For any refund-related queries, please contact:

STOWA (Securities & Timeshare Owners Welfare Association)

Email: [unitedstowa@gmail.com]

Website: https://stowa.co.in