In the event of request for refund is made by the User/Customer for duplicate, incomplete or rejected transactions, as the case may be, the User agrees that RULOANS FINANCIAL SERVICES PRIVATE LIMITED shall refund such amounts as may be decided by RULOANS FINANCIAL SERVICES PRIVATE LIMITED in its sole discretion from time to time. Also, such refund shall be made in accordance with the terms and conditions of the relevant service provider providing the payment gateway services.