A.Refund Policy

1.Refund Eligibility

- Refunds from Homeopaths Benevolent Welfare Trust may be considered under the following circumstances:

- Overpayment of dues or fees.
- Duplicate payment made in error.
- Erroneous charges or fees applied.

2.Refund Process

- Members seeking a refund must submit a written request to the Homeopaths Benevolent Welfare trust office.
- The request must include:

- Member's name and account number.
- Reason for the refund request.
- Supporting documentation, such as receipts or transaction records.

3.Refund Timelines

- Refunds will be processed within 5 business days upon receipt of a complete refund request.
- Members will be notified of the status of their refund request via email/SMS or WhatsApp

4.Refund Method

- Refunds will be issued in the same form of payment originally used for the transaction.
- Refund will be issued in the name of the applicant only.
- If a refund cannot be processed using the original form of payment, alternative arrangements may be made.

5.Refund Denials

- Homeopaths Benevolent Welfare trust reserves the right to deny a refund request if it does not meet the eligibility criteria outlined above.

6.Contact Information

- For questions regarding our refund policy or to inquire about the status of a refund request, please contact:

- Homeopaths Benevolent Welfare trust.
hbwtsss@gmail.com

7.Policy Updates

- Homeopaths Benevolent Welfare trust . reserves the right to update or modify this refund policy at any time without prior notice.

B.Settlement Policy

1.Purpose

The settlement policy of Homeopaths Benevolent Welfare Trust outlines the procedures and guidelines for settling outstanding dues, debts, or accounts with our members.

2.Eligibility for Settlement

- Settlements may be considered under the following circumstances:

- Member demonstrates genuine financial hardship.
- Member wishes to resolve outstanding debts in a mutually agreeable manner.

3.Settlement Process

- Members seeking a settlement must submit a written request to the Homeopaths Benevolent Welfare trust office.
- The request must include:

- Member's name and account number.
- Details of the outstanding debt or dues.
- Reason for requesting a settlement.
- Supporting documentation, such as financial statements or proof of hardship.

4.Evaluation and Decision

- Upon receipt of a settlement request, Homeopaths Benevolent Welfare trust will evaluate the request based on the member's financial situation and the merits of the case.
- The decision to approve or deny a settlement request will be communicated to the member in writing within 5 business days.

5.Terms of Settlement

- If a settlement is approved, Homeopaths Benevolent Welfare trust will outline the terms and conditions of the settlement agreement, including:

- Total settlement amount (which may be less than the original debt).
- Payment schedule, if applicable.
- Any conditions or commitments required from the member.

6.Settlement Execution

- Upon acceptance of the settlement terms by the member, Homeopaths Benevolent Welfare trust . will execute the settlement agreement.
- Payments must be made as per the agreed-upon terms to fulfill the settlement.

7.Denial of Settlement

- Homeopaths Benevolent Welfare trust reserves the right to deny a settlement request if it does not meet the eligibility criteria or if the member fails to provide sufficient documentation.
- Members may appeal a denial by contacting at hbwtsss@gmail.com

8.Contact Information

- For questions regarding our settlement policy or to initiate a settlement request, please contact:

- Homeopaths Benevolent Welfare trust.
- hbwtsss@gmail.com

9.Policy Updates

- Homeopaths Benevolent Welfare trust reserves the right to update or modify this settlement policy at any time without prior notice.

10.Member Responsibilities

- Members are responsible for providing accurate information and cooperating with Homeopaths Benevolent Welfare trust . during the chargeback investigation process.
- Members must adhere to the terms and conditions outlined in their account agreements with Homeopaths Benevolent Welfare trust .