Refund and Cancellation Policy — Ticgetz Gold

Once a purchase or sale of digital gold or silver is executed at the locked market rate, it is final and irreversible and is not eligible for cancellation or a change-of-mind refund. This is inherent to a commodity traded at a live price and is disclosed on the transaction screen before you confirm.

A refund is due where you have paid but have not received what you paid for. We do not wait for you to ask: the cases below are detected and refunded automatically.

If your payment succeeds but the corresponding gold or silver is not allocated to your holding — for example because our partner's system was unavailable at that moment, or the price lock expired mid-transaction — the full amount is refunded to your original payment method automatically. No request is needed.

Our systems reconcile every payment against the corresponding allocation continuously, and again on a scheduled sweep, so such a transaction is identified and refunded typically within minutes and in any event within 24 hours. The refund is initiated by us immediately on detection; the time for funds to reflect in your account depends on your bank or card issuer and is usually 5–7 business days.

If an amount is debited but the transaction fails, or you are charged more than once for the same order, the failed or excess amount is refunded to the original payment method. Bank-side failed transactions are usually auto-reversed by your bank or the payment aggregator within 5–7 business days without any action from us.

If an amount remains debited and unaccounted for after 7 business days, please write to care@ticgetz.com with your order ID, registered mobile number, transaction date and amount, and we will trace and resolve it with the payment aggregator.

You may abandon a transaction at any point before you complete payment, at no cost and with nothing charged. A price lock that expires before you pay simply lapses — no amount is taken and no metal is allocated.

When you sell part or all of your holding, the proceeds are credited to the bank account registered and verified in your account, typically within 1–3 business days of execution. If a credit fails because of incorrect or closed bank details, the amount is returned to us and held until you provide valid details; we will contact you. A sale, once executed, cannot be reversed.

Making and delivery charges are payable when you place a redemption order.

• If the redemption cannot be placed with our partner after you have paid — for example the item goes out of stock at that moment — the making and delivery charges are refunded in full automatically, and the metal remains in your holding untouched.
• Once a redemption order is confirmed and dispatched, it cannot be cancelled, and the making and delivery charges are non-refundable. The item is manufactured and packed against your specific order.
• If a shipment is lost in transit or is delivered with tamper-evident packaging visibly breached, report it to us on the day of delivery. Consignments are insured; we will investigate with the logistics partner and Augmont and will either replace the item or restore the equivalent metal to your holding.
• If a delivered product does not match the ordered specification (weight or purity), report it within 48 hours with the packaging intact and we will arrange replacement or restoration of the equivalent metal.

You may pause or cancel a systematic purchase plan at any time from your account, which stops all future instalments. Instalments already executed are completed purchases and are not refundable. If an instalment is debited but cannot be invested — for example because it would breach your KYC-linked transaction limit — that instalment is refunded to your original payment method automatically and you are notified.

Except as stated above or as required by law, the following are non-refundable: • completed purchases or sales of digital gold or silver, including where the market price has subsequently moved against you; • making and delivery charges on a redemption order that has been dispatched; • Goods and Services Tax and other statutory levies already remitted to the authorities on a completed purchase.

All refunds are made to the original payment method used for the transaction. We do not refund to a different instrument, to a third party, or in cash, and we do not issue refunds as credit or vouchers unless you expressly ask for it.

Refunds are processed through our payment aggregator (Cashfree Payments). You will see the refund reference against the original transaction in your account.

Most eligible refunds are automatic and need no request. If you believe a refund is due and has not reached you, email care@ticgetz.com with your order ID, registered mobile number, transaction date and amount. We acknowledge within 48 hours and aim to resolve within 7 business days, keeping you updated where a third party (bank, aggregator or Augmont) is involved.

If you believe a charge is incorrect, please contact us first — we can usually resolve it faster than a chargeback, and our transaction records are detailed. Raising a chargeback without contacting us may delay resolution and, where metal was validly allocated to your holding, may be contested with evidence of allocation and invoice.

In accordance with the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Consumer Protection (E-Commerce) Rules, 2020, the details of the Grievance Officer are:

Grievance Officer: Trishar Arun Entity: RGB Net Productions (Sole Proprietorship) Email: care@ticgetz.com Address: Bengaluru, Karnataka, India

We acknowledge complaints within 48 hours and endeavour to resolve them within the timelines prescribed under applicable law. Complaints relating to vaulting, purity, assaying or physical delivery are escalated to Augmont Goldtech Private Limited and tracked by us to closure.

For refund queries, contact us at care@ticgetz.com.

RGB Net Productions (Sole Proprietorship) Bengaluru, Karnataka, India Email: care@ticgetz.com Phone: +91 82964 08498 Effective Date: 5 July 2026 Last updated: 5 July 2026