Legal
Refund & Cancellation Policy
Effective 12 July 2026
1. Who we are
Optimise Club is operated by COGNIFIN LABS. We run a distribution platform for brand gift cards and a membership rewards programme. We are not a bank, wallet, or payment system: we do not hold your funds, and payments are processed by RBI-authorised payment gateways.
2. Cancelling an order
Gift-card codes are delivered digitally, usually within minutes. You can cancel an order only before the code is delivered — once a valid code has been delivered to you, the order is complete and cannot be cancelled, because the value has been issued by the brand. To cancel an in-flight order, contact support immediately with your order reference.
3. Failed and undelivered payments
If a payment fails or is not confirmed, no order is placed and any amount debited is reversed to your original payment method per your gateway and bank timelines (typically 5–7 business days). If an order completes but a code is not delivered, contact support — undelivered orders are refunded in full.
4. Delivered codes
A gift-card code that has been delivered is non-refundable and non-returnable, as it represents value issued by the brand. Issues with redeeming a delivered card at the brand are governed by the issuer’s terms, but our support team will help you pursue them. If a delivered code is proven invalid or already redeemed before delivery to you, we will replace it or refund it in full after verification.
5. How refunds are paid
Approved refunds are returned to the original payment method used for the order. We do not refund to a different account, and we do not issue cash refunds. All amounts are in Indian Rupees (INR).
6. How to reach us
For any refund or cancellation request, contact support with your order reference. If your concern is not resolved, escalate it through the redressal process on the Grievance page. These terms are governed by the laws of India.