Refund & Cancellation Policy

1. General Rule

Payments and coin purchases made through Hichkola are generally non-refundable after successful credit or use, subject to applicable law and the circumstances described below.

2. Failed Transactions

If an amount is deducted but the corresponding service or coins are not credited, the user may contact Hichkola support with:

• Transaction ID.
• Date and time of transaction.
• Amount.
• Registered mobile number/account details.

3. Duplicate Payments

Where a duplicate transaction is verified as an actual duplicate payment, Hichkola may process the appropriate resolution subject to payment-provider procedures and applicable law.

4. Unauthorised Transactions

Users should promptly report transactions they believe were unauthorised.

Hichkola may investigate the matter and may request supporting information.

5. Refund Processing

Where a refund is approved, it may be processed through the original payment method or another appropriate method permitted by the payment provider.

6. Cancellation

Cancellation of an account or service does not automatically create a right to refund for previously purchased or used coins.

7. Legal Rights

Nothing in this Policy is intended to exclude rights or remedies that cannot legally be excluded under applicable law.