Refund Policy

1. Overview

This Refund Policy applies to all purchases and transactions made on the Kanz Vault mobile application, operated by Wixora Technologies Private Limited ("we", "us", or "our"), registered office at Sanjay Nagar, Sunder Baug Lane, Kamani, Kurla West, Mumbai, Maharashtra - 400070, India.

Gold and silver purchased through Kanz Vault are held on your behalf in insured vaults by our precious-metals partner, SafeGold (Digital Gold India Private Limited). Because metal prices fluctuate in real time, the rules below explain when money can and cannot be refunded.

2. Buy Orders

Successful buy orders are final and non-refundable. Once a buy order is confirmed and gold or silver has been credited to your Kanz Vault account, the transaction cannot be cancelled and the amount paid will not be refunded in cash.

If you no longer wish to hold the metal, you may sell it back through the app at the prevailing sell rate at the time of the sell order — see Section 4. The sell rate may be higher or lower than your original buy rate, and any difference is not something we compensate for.

3. Failed & Duplicate Payments

The rule in Section 2 applies only to successful buy orders. It does not apply where money was deducted but the corresponding buy order was not completed:

• Failed transactions: if payment is deducted from your bank account, card, or UPI but the buy order fails to complete on our end (e.g. gateway timeout, vault-partner error), the amount will be automatically refunded to your original payment method within 5–7 business days.
• Duplicate charges: if you are charged more than once for the same order due to a technical error, the duplicate charge will be refunded within 5–7 business days of us identifying or being notified of the issue.
• To report a failed or duplicate payment, contact us at support@wixoratechnologies.com with your transaction ID and payment reference.

4. Selling & Redemption

You may sell your gold or silver holdings back through the app at any time during market hours, at the live sell rate shown at the time you place the order. Sale proceeds are credited to your linked bank account or UPI ID, typically within 1–3 business days.

Sell orders, once confirmed, are also final and cannot be reversed or cancelled.

5. Physical Delivery of Coins

If you request physical delivery of gold or silver coins, the delivery request — once confirmed and dispatched — cannot be cancelled, and the underlying purchase amount is not refundable.

• Coins damaged in transit or delivered with manufacturing defects will be replaced or the equivalent value credited back to your Kanz Vault holdings, subject to verification, if reported within 48 hours of delivery with photographic evidence.
• Delivery and making charges, once paid, are non-refundable except in the damaged/defective scenario above.
• Coins that have been accepted in good condition cannot later be returned for a refund.

6. SIP & Gifting

Each instalment in a Systematic Investment Plan (SIP) is treated as an individual buy order and is subject to the same rules in Section 2 once it completes successfully. You may pause or cancel future instalments at any time from the app; this does not affect instalments already processed.

Gold or silver sent as a gift is transferred to the recipient's account once accepted and cannot be reversed or refunded to the sender.

7. Changes to This Policy

We may update this Refund Policy from time to time. When we make material changes, we will notify you via the app or email at least 14 days before the changes take effect. Continued use of the Services after the effective date constitutes acceptance of the updated policy.

8. Contact Us

For questions about a specific transaction, a failed payment, or this Refund Policy, please reach out to us: