<h2>Refund & Cancellation Policy</h2>
<p>This Refund & Cancellation Policy explains the conditions applicable to membership purchases and payments made through <strong>GM Group of Real Estates</strong> at <strong>gmgroupofrealestates.com</strong>.</p>
<h2>1. Membership Plans</h2>
<p>Membership plans available on the platform may include:</p>
<ul>
<li>Monthly Membership – ₹600 for 30 days</li>
<li>3 Months Membership – ₹1,500 for 90 days</li>
<li>Property Purchase Membership – ₹5,000 for 90 days</li>
</ul>
<h2>2. Cancellation Before Activation</h2>
<p>If a payment has been completed but the corresponding membership has not yet been activated due to a technical or payment-processing issue, the user should contact our support team with the relevant transaction details.</p>
<p>We will review the payment status and take appropriate action based on the transaction status and applicable policy.</p>
<h2>3. Membership Cancellation</h2>
<p>Once a membership has been successfully activated and access to membership features has been provided, cancellation requests may be subject to the applicable membership terms.</p>
<p>Membership fees are generally non-refundable after successful activation and commencement of membership access, except where a refund is required due to applicable law or where GM Group of Real Estates determines that a refund is appropriate based on the circumstances of the transaction.</p>
<h2>4. Failed or Unsuccessful Payments</h2>
<p>If an amount is debited from a user's bank account or payment method but the membership is not successfully activated, the user should contact us with the payment transaction reference.</p>
<p>After verification of the transaction with the applicable payment gateway, the payment may be refunded or otherwise resolved according to the payment gateway's settlement and refund process and applicable banking timelines.</p>
<h2>5. Duplicate Payments</h2>
<p>If the same membership payment is accidentally processed more than once for the same transaction, the user should contact our support team with the relevant transaction references.</p>
<p>After verification, any eligible duplicate payment may be processed for refund through the applicable payment method.</p>
<h2>6. Property Purchase Membership Benefit</h2>
<p>The Property Purchase Membership includes a property purchase benefit of ₹5,000, subject to the applicable membership terms and eligibility conditions.</p>
<p>The ₹5,000 benefit is intended to be adjusted against an eligible property purchase at the applicable purchase or registry stage through the company.</p>
<p>The benefit is not a cash refund, cash withdrawal, wallet balance or automatically refundable membership amount.</p>
<p>Eligibility and adjustment of the benefit are subject to verification of the membership, eligible property transaction and applicable terms.</p>
<h2>7. Property Transactions</h2>
<p>Membership fees paid to GM Group of Real Estates are separate from any property purchase price, auction amount, EMD, government fee, registration fee, stamp duty, tax, bank payment or other amount payable to a property owner, bank, financial institution, auction authority or government authority.</p>
<p>Any refund relating to a property transaction conducted by a third party shall be governed by the terms and policies of the relevant authority or transaction.</p>
<h2>8. Non-Refundable Situations</h2>
<p>Except where otherwise required by applicable law or specifically approved by GM Group of Real Estates, membership fees may not be refundable in situations including:</p>
<ul>
<li>Change of mind after membership activation</li>
<li>Failure to use the membership after activation</li>
<li>Failure to participate in an available auction</li>
<li>Failure to purchase a property</li>
<li>Failure to win or qualify in an auction</li>
<li>Expiration of the membership period</li>
<li>Failure to independently verify property information</li>
</ul>
<h2>9. Refund Processing</h2>
<p>Where a refund is approved, it will generally be processed through the original payment method or through the applicable payment gateway process.</p>
<p>The actual time taken for the amount to reflect in the user's account may depend on the payment gateway, bank, card issuer or other financial institution.</p>
<h2>10. Refund Request</h2>
<p>For a refund, payment or cancellation-related query, please contact our support team and provide the following information where applicable:</p>
<ul>
<li>Registered name</li>
<li>Registered mobile number</li>
<li>Email address</li>
<li>Membership plan</li>
<li>Payment date</li>
<li>Transaction ID or payment reference</li>
<li>Reason for the request</li>
</ul>
<h2>11. Payment Gateway</h2>
<p>Payments on the website may be processed through third-party payment service providers such as Razorpay or another payment provider made available on the platform.</p>
<p>Payment processing, settlement and certain refund processing activities may also be subject to the terms, procedures and timelines of the applicable payment service provider and banking institution.</p>
<h2>12. Changes to This Policy</h2>
<p>GM Group of Real Estates may update this Refund & Cancellation Policy from time to time. Any updated version will be published on this page.</p>
<h2>13. Contact Us</h2>
<p>For refund, cancellation or payment-related queries, please contact:</p>
<p><strong>GM Group of Real Estates</strong></p>
<p><strong>Phone:</strong> 9286865014</p>
<p><strong>Website:</strong> gmgroupofrealestates.com</p>
<p>We recommend that users retain their payment confirmation and transaction reference until the membership transaction has been successfully completed.</p>