Refund Policy

SmartParho may accept payments through:

• JazzCash;
• Easypaisa;
• Bank transfer; or
• Another payment method displayed on an official SmartParho payment page.

Most local payments require manual verification before a subscription, Sponsor plan, featured placement, donation record, or other paid service is confirmed.

SmartParho does not currently treat a payment screenshot alone as confirmation that funds were received.

A payment is considered verified only after SmartParho confirms that:

• The payment was received in an official SmartParho account;
• The payment amount is correct;
• The transaction or reference number is valid;
• The payment is matched to the correct SmartParho account, plan, donation, or service; and
• The payment has not been reversed, cancelled, duplicated, disputed, or identified as suspicious.

Before sending money, you are responsible for confirming that the payment details appear on an official SmartParho page or were provided through an authorised SmartParho communication channel.

SmartParho is not responsible for payments sent to:

• An incorrect phone number or bank account;
• An outdated account not currently authorised by SmartParho;
• A person falsely claiming to represent SmartParho;
• An unofficial social-media profile;
• A Contributor, Sponsor, institution, or other user outside the authorised SmartParho payment process; or
• Any recipient that SmartParho did not identify as an official payment recipient.

SmartParho can refund only money that SmartParho has actually received and can verify.

After making a payment, you may be required to submit:

• Your SmartParho account name;
• Your account email address;
• The selected plan or service;
• Payment amount;
• Payment date and approximate time;
• Payment method;
• Transaction or reference number;
• Sender name or account details;
• A clear payment receipt or screenshot; and
• Any other information reasonably necessary to verify the transaction.

Submitting this information does not guarantee approval or immediate activation.

Verification may be delayed where:

• The receipt is unclear or incomplete;
• The transaction reference cannot be confirmed;
• The sender details do not match;
• The wrong amount was paid;
• The payment was sent to an incorrect account;
• The same receipt has been submitted more than once;
• The payment is pending, reversed, or disputed;
• The selected plan is unclear;
• Fraud or account misuse is suspected; or
• Additional information is reasonably required.

Never send SmartParho your:

• JazzCash or Easypaisa PIN;
• Bank-account password;
• ATM PIN;
• One-time password;
• Mobile-wallet security code;
• Email password; or
• Complete online-banking login credentials.

SmartParho does not require this information to verify a payment.

A Student or Sponsor plan normally begins when SmartParho confirms activation, not necessarily when the user sends the payment.

The activation date may appear in your account, dashboard, confirmation message, or payment-verification record.

Submitting a payment does not guarantee activation where:

• The payment cannot be verified;
• The required amount was not received;
• The payment information is false or incomplete;
• The account is suspended or ineligible;
• The requested service violates SmartParho policies;
• The plan is no longer available and no suitable alternative is accepted; or
• The payment was sent through an unauthorised method.

Where SmartParho receives a valid payment but cannot activate the purchased service, we may offer:

• Correct activation;
• Transfer to the correct eligible plan;
• An account credit;
• A reasonable extension;
• Another comparable service; or
• A refund.

Any replacement, transfer, or account credit will be provided with the payer’s agreement where reasonably possible.

To request a refund, contact SmartParho through the Contact page or email

info@smartparho.com.

Your request should include:

• Your full name;
• The email address connected to your SmartParho account;
• The payer’s name;
• Payment method;
• Payment amount;
• Payment date;
• Transaction or reference number;
• The plan, donation, or service purchased;
• A clear copy of the payment receipt;
• The reason for the refund request; and
• Any supporting screenshots or evidence.

Do not include passwords, PINs, OTPs, or complete banking credentials.

A request may be delayed or declined if SmartParho cannot verify the payer, payment, account, or reason for the request.

Unless applicable law requires otherwise, the following request periods apply.

Student and Sponsor Plans

A refund request concerning an activated Student subscription, Sponsor plan, or featured service should normally be submitted within 7 calendar days of:

• Plan activation;
• Discovery of the payment problem; or
• The event gave rise to the request.

Duplicate or Unmatched Payments

A duplicate payment, uncredited payment, or payment that cannot be matched to an account should normally be reported within 30 calendar days of payment.

Donations

An accidental or duplicate donation should be reported as soon as possible and normally within 7 calendar days of payment.

Recovery may not be possible after a donation has been allocated, transferred, paid out, or used for its stated purpose.

Service Outages

A request based on an extended service outage should normally be submitted within 7 calendar days after access is restored or the affected plan expires, whichever occurs first.

SmartParho may review a late request where there is a reasonable explanation, reliable evidence remains available, or applicable law requires consideration.

A full or partial refund may be approved in the circumstances below.

7.1 Duplicate Payment

A refund may be approved where:

• The same plan or service was paid for more than once;
• Multiple payments were made because of a payment-system error;
• SmartParho received more than the required amount; or
• A verified duplicate payment was not intentionally used to extend or purchase another service.

Where appropriate, SmartParho may offer to apply the extra payment to a renewal, upgrade, extension, or account credit instead of refunding it. This will not be done without the payer’s agreement.

7.2 Payment Received but Service Not Activated

A refund may be approved where:

• SmartParho received and verified the full payment;
• The required information was submitted correctly;
• SmartParho could not activate the purchased service; and
• No comparable service, corrected activation, extension, or account credit was accepted.

A temporary manual-verification delay does not automatically qualify for a refund.

7.3 Incorrect Activation Caused by SmartParho

A refund or correction may be approved where SmartParho mistakenly:

• Activated the wrong plan;
• Activated the wrong account;
• Applied an incorrect plan duration;
• Charged or recorded the wrong amount;
• Failed to provide a paid feature included in the confirmed plan; or
• Applied a payment to the wrong service.

SmartParho may first correct the activation or provide the missing benefit where doing so fully resolves the issue.

7.4 Cancellation Before Activation

A refund may be considered when:

• The user requests cancellation before the plan or service is activated;
• No paid benefit has been delivered;
• No Sponsor review, verification, publication, placement, or other material work has begun;
• The payment remains verifiable and has not been reversed; and
• The request is made within the applicable deadline.

Unrecoverable payment-provider or transaction charges may not be refundable.

7.5 Extended Service Unavailability

A refund, partial refund, plan extension, or account credit may be considered where:

• A paid SmartParho service was materially unavailable for more than 72 consecutive hours;
• The interruption was primarily caused by a problem within SmartParho’s reasonable control;
• The outage prevented meaningful use of the paid benefit;
• The user reported the issue within the applicable deadline; and
• A reasonable extension or restoration of service does not adequately resolve the loss.

Planned maintenance, short interruptions, individual resource removal, device problems, internet-provider outages, and third-party service failures do not automatically qualify.

7.6 Payment Verified in Error

A refund or reversal may be considered if SmartParho mistakenly approved a transaction that:

• Belonged to another user;
• Was later confirmed as duplicated;
• Was recorded with an incorrect amount;
• Was mistakenly matched to the wrong account; or
• Was otherwise verified incorrectly.

SmartParho may suspend related benefits while the payment record is corrected.

7.7 Mandatory Legal Rights

A refund will be provided where required by applicable law and where the relevant legal right cannot validly be excluded or limited by this Policy.

Student subscriptions may provide additional download permissions or other benefits described

on the Pricing and Plans page.

A Student plan is considered materially used when one or more of the following has occurred:

• A paid-only resource has been downloaded;
• A download unavailable under the user’s previous plan has been completed;
• A material paid-plan feature has been used;
• The subscription has remained active beyond the refund-request period; or
• The user has otherwise received substantial benefit from the plan.

Once a Student plan has been materially used, a change-of-mind refund will normally not be available.

A refund may still be considered for:

• A verified duplicate payment;
• A SmartParho activation error;
• A payment received without service activation;
• A qualifying extended outage;
• Fraud affecting the transaction where the payer was not responsible; or
• A right that cannot legally be excluded.

Downloading an incorrect resource by mistake does not normally qualify for a refund when the plan itself was delivered correctly.

Sponsor or institution plans may include:

• Profile creation or publication;
• Administrative review;
• Verification review;
• Directory placement;
• Featured or priority placement;
• Homepage visibility;
• Student-enquiry features;
• Promotional exposure; or
• Other benefits displayed on the relevant plan page.

A Sponsor service is considered to have begun when SmartParho performs material work, including:

• Reviewing submitted profile information;
• Reviewing verification documents;
• Creating or publishing a profile;
• Displaying a verification status;
• Starting featured or priority placement;
• Publishing promotional content;
• Enabling paid Sponsor features; or
• Delivering one or more student enquiries.

A Sponsor-plan payment will normally not be refundable after material work or paid visibility has begun, except where:

• The payment was duplicated;
• SmartParho activated the wrong plan;
• SmartParho could not provide a material paid benefit;
• A qualifying extended outage substantially prevented delivery;
• The Sponsor profile was rejected before material paid services were provided; or
• Applicable law requires a refund.

Where only part of the Sponsor service was delivered, SmartParho may consider a proportionate refund, plan extension, revised placement period, or account credit.

Sponsor, featured-placement, school-profile, and institution-plan payments purchase access to the benefits described on the applicable page. They do not purchase or guarantee a particular business result.

A refund will not normally be issued solely because a Sponsor or institution did not receive:

• A particular number of profile views;
• Student enquiries;
• Admissions;
• Enrolments;
• Sales;
• Revenue;
• Website traffic;
• Search-engine ranking;
• Social-media exposure;
• Contact-form submissions; or
• A specific return on its payment.

SmartParho does not guarantee that every student enquiry will be genuine, complete, relevant, or converted into an admission.

Unless required by applicable law, refunds will normally not be provided in the following circumstances.

Change of Mind After Activation

A user changes their mind after a plan was correctly activated or a paid service began.

Paid Benefits Already Used

The user downloaded paid-only resources, received Sponsor exposure, completed verification review, received enquiries, or otherwise materially used the service.

Unused Subscription Time

The user did not use the service, forgot to use it, was unavailable, or no longer needed it while the service remained accessible.

Failure to use a correctly delivered subscription does not by itself create a refund right.

Partial Plan Periods

Unused days, weeks, or partial months remaining after cancellation are normally non-refundable unless SmartParho approves a proportionate refund for a qualifying service failure.

User Purchased the Wrong Plan

The user selected the wrong plan, account, duration, or service and the selected service was correctly activated.

SmartParho may consider transferring unused value to another eligible plan where technically and administratively possible, but such a transfer is not guaranteed.

Downloaded the Wrong Resource

The user downloaded a resource they did not intend to download, selected an incorrect board, class, subject, medium, year, or resource type, or later decided the resource was unsuitable.

Individual Resource Removal

A specific resource was removed, restricted, replaced, or made view-only because of:

• Copyright concerns;
• Contributor requests;
• Quality issues;
• Legal requirements;
• Privacy concerns;
• Security risks; or
• Platform moderation.

Removal of one resource does not normally qualify for a refund where the overall paid service remains materially available.

Academic Expectations

The user did not achieve an expected examination result, grade, admission, scholarship, or other academic outcome.

SmartParho does not guarantee academic results.

Device or Connectivity Problems

The user could not access the service because of:

• An unsupported or outdated device;
• Insufficient device storage;
• Browser problems;
• Local PDF-reader problems;
• Mobile-data limitations;
• Internet-provider outages;
• Incorrect device settings; or
• Another problem outside SmartParho’s reasonable control.

Price Changes and Promotions

A plan price decreased, a discount was later offered, or another user purchased the same service at a different price.

Price differences after a completed purchase do not normally create a refund right.

Account or Policy Violations

The account was suspended, restricted, or terminated because of:

• Fraud;
• False payment proof;
• Account sharing;
• Download-limit circumvention;
• Automated downloading;
• Copyright infringement;
• Harassment;
• Misuse of student enquiries;
• False institutional information;
• Violation of the Terms of Service; or
• Other prohibited conduct.

Unofficial Payments

Money was sent to an incorrect, unofficial, fraudulent, or unauthorised recipient and SmartParho did not receive it.

Third-Party Charges

Bank, mobile-wallet, telecommunications, currency-conversion, transfer, or transaction fees retained by an independent provider.

Expired Request Period

The refund request was submitted after the applicable deadline and no mandatory legal right or reasonable exceptional circumstance applies.

Donations supporting SmartParho, free education, hosting, bandwidth, storage, platform development, administration, security, or other general operating costs are voluntary and generally non-refundable.

A general donation may be refundable only where:

• The same donation was processed more than once;
• The donor entered a clearly incorrect amount and reported it promptly;
• SmartParho did not receive the payment for the stated purpose because of a verified processing error;
• The transaction was unauthorised and the payer was not responsible for the unauthorised access; or
• A refund is required by applicable law.

A donor’s change of mind after funds have been allocated or used does not normally qualify for a refund.

A donation does not guarantee:

• A particular resource;
• A particular platform feature;
• Public recognition;
• Ownership or control;
• Tax-deductible status;
• A financial return; or
• Any other personal benefit.

SmartParho may provide donation or support features intended to benefit an eligible Contributor, teacher, school, academy, institution, or educational initiative.

Such donations are generally non-refundable after the money has been:

• Allocated to the intended recipient;
• Included in an approved payout;
• Transferred to the recipient;
• Used for the identified purpose; or
• Made subject to an irreversible payment-provider process.

An accidental or duplicate support donation should be reported immediately.

SmartParho may attempt to stop, reverse, or correct the payment where it remains reasonably possible, but recovery cannot be guaranteed after funds have been transferred or used.

A refund will not normally be provided because:

• The donor later disagrees with the recipient;
• The recipient stops submitting content;
• A resource is later removed;
• The recipient’s profile becomes inactive;
• The donor expected recognition or communication;
• The recipient does not achieve a particular result; or
• The donor changes their mind.

SmartParho may withhold or reverse an unpaid recipient payout where fraud, copyright infringement, identity problems, payment disputes, policy violations, or legal concerns arise.

SmartParho provides educational services for students from Class 1 to Class 12, including users under 18.

A parent or legal guardian should be involved when a minor purchases a subscription, makes a donation, or participates in another paid SmartParho service.

A refund request relating to a minor may be submitted by:

• The payer;
• The parent or legal guardian;
• The account holder, where legally capable; or
• Another person authorised to act for the payer.

SmartParho may request reasonable information to verify:

• The payment;
• The minor’s account;
• The requester’s identity;
• The relationship to the minor; and
• The requester’s authority to act.

A refund is not automatic merely because the service was used by a minor, particularly where a parent or guardian authorised the payment or the paid benefit was materially used.

Nothing in this section limits rights that cannot lawfully be excluded.

Overpayment

Where SmartParho receives more than the required amount, we may:

• Refund the verified excess amount;
• Apply it to a plan upgrade or extension with the payer’s approval;
• Record it as account credit with the payer’s approval; or
• Request instructions from the payer.

Underpayment

Where less than the required amount is received, SmartParho may:

• Request the remaining balance;
• Offer an eligible lower-priced plan;
• Keep activation pending;
• Cancel the payment request and refund the received amount where appropriate; or
• Take another reasonable action agreed with the payer.

Payment-provider charges that SmartParho cannot recover may not be included in the refunded amount.

An approved refund will not exceed the amount SmartParho actually received for the relevant transaction.

The refund amount may be reduced by:

• Amounts already refunded;
• Reversed or disputed amounts;
• Non-refundable payment-provider charges;
• The reasonable value of a partially delivered service;
• Benefits transferred to another account or plan;
• Account credits already used; or
• Other deductions agreed with the payer or permitted by applicable law.

SmartParho will explain any material deduction when approving a partial refund.

Where a full refund is not appropriate, SmartParho may offer:

• A partial refund;
• Additional subscription time;
• Replacement access;
• Correction of the purchased plan;
• Transfer to another eligible account;
• Account credit;
• Additional Sponsor-placement time; or
• Another reasonable remedy.

The appropriate remedy will depend on:

• The nature of the problem;
• The part of the service already delivered;
• The time remaining;
• Benefits already used;
• The payment method;
• Technical limitations; and
• Applicable legal requirements.

An account credit or plan extension does not replace a mandatory refund right that cannot lawfully be excluded.

After receiving a complete refund request, SmartParho may review:

• Payment records;
• Transaction references;
• Submitted receipts;
• Account history;
• Plan activation records;
• Download activity;
• Sponsor publication and placement records;
• Enquiry delivery records;
• Donation-allocation or payout status;
• Communications with the user;
• Service-availability records; and
• Relevant security or moderation information.

SmartParho may request additional information where reasonably necessary.

Failure to provide requested verification may result in the request being delayed, closed, or declined.

SmartParho will not request your password, PIN, OTP, or complete banking login credentials during this process.

A refund decision may result in:

• Full approval;
• Partial approval;
• An account credit;
• A plan extension;
• Corrected activation;
• Transfer to another eligible plan;
• A request for more information; or
• Rejection with an explanation.

Refund approval is based on:

• This Policy;
• The evidence available;
• Payment-provider records;
• The service delivered;
• Account usage;
• Applicable law; and
• The circumstances of the request.

Approval of one refund does not require SmartParho to approve another request involving different facts.

Once a refund is approved, SmartParho will normally initiate it within 7–14 business days.

Business days do not include weekends or public holidays in Pakistan.

The time required for funds to appear may depend on:

• JazzCash;
• Easypaisa;
• The payer’s bank;
• Interbank processing;
• The payment method;
• Account verification;
• Provider outages; or
• Other circumstances outside SmartParho’s reasonable control.

The 7–14-business-day period refers to SmartParho’s normal processing period after approval. It does not guarantee the date on which an independent payment provider will make the funds available.

Approved refunds will normally be returned through the original payment method where reasonably possible.

Where the original method cannot receive a refund, SmartParho may request a verified alternative JazzCash, Easypaisa, or bank account.

SmartParho may require confirmation that the alternative account:

• Belongs to the original payer;
• Belongs to an authorised parent or guardian;
• Is otherwise authorised to receive the refund; and
• Can lawfully and technically receive the payment.

SmartParho will not knowingly send a refund to an unrelated third party.

Any charges imposed by the receiving bank or wallet provider are outside SmartParho’s control.

When a full refund is issued, SmartParho may:

• Cancel the related subscription;
• Remove Standard, Plus, and Enterprise access;
• Restore the applicable free-account limits;
• End Sponsor or featured-placement benefits;
• Remove or restrict paid profile features;
• Cancel unused account credit;
• Stop a pending donation payout; or
• Reverse another benefit connected with the refunded payment.

Where a partial refund is issued, SmartParho may proportionately adjust the plan duration, service level, placement period, credit, or other benefit.

A user must not continue using a paid benefit after receiving a full refund for it.

Where reasonably possible, contact SmartParho before initiating a chargeback, wallet dispute, bank reversal, or payment-provider complaint.

This gives us an opportunity to:

• Locate the transaction;
• Correct an activation problem;
• Investigate a duplicate payment;
• Explain the payment record;
• Provide an appropriate refund; or
• Resolve the matter without duplicate proceedings.

Submitting both a refund request and a chargeback for the same payment does not entitle the payer to recover the payment twice.

Where a payment has already been reversed or recovered through a bank, wallet, or payment provider, SmartParho may:

• Close the refund request;
• Cancel the related service;
• Recover any duplicate amount;
• Restrict the account while the dispute is investigated; or
• Provide evidence to the relevant payment provider.

Fraudulent, abusive, or knowingly false chargebacks may result in account suspension or

termination under the Terms of Service.

Nothing in this section prevents a user from exercising a lawful payment-dispute right.

If you believe a payment was made without your permission:

• Contact your bank, JazzCash, Easypaisa, or other payment provider immediately;
• Secure the affected payment account;
• Change compromised passwords or PINs;
• Contact SmartParho with the transaction reference; and
• Provide information reasonably necessary to identify the SmartParho account or service involved.

SmartParho may suspend the associated account or paid benefits while investigating.

SmartParho cannot guarantee recovery where:

• Funds were sent to an unofficial recipient;
• The payment provider refuses reversal;
• The transaction cannot be verified;
• The payer voluntarily shared credentials or OTPs; or
• Funds have already been irreversibly transferred.

Any mandatory rights concerning unauthorised transactions remain unaffected.

You must not submit:

• Fabricated receipts;
• Altered screenshots;
• False transaction references;
• Receipts belonging to another person without permission;
• Misleading refund reasons;
• Duplicate refund requests intended to obtain multiple payments;
• A refund request after successfully recovering the same payment through a chargeback; or
• Any other fraudulent evidence.

SmartParho may reject the request, suspend the account, preserve relevant records, notify the

payment provider, or take other action permitted under the Terms of Service and applicable law.

Banks, mobile wallets, telecommunications providers, and other payment services operate independently from SmartParho.

SmartParho is not responsible for:

• Provider processing delays;
• Provider maintenance;
• Incorrect provider records;
• Transfer limits;
• Account restrictions;
• Mobile-network failures;
• Recipient-account limitations;
• Provider dispute decisions;
• Currency or transfer charges; or
• Fees retained by an independent provider.

Where SmartParho did not receive a fee or charge, SmartParho cannot refund it.

You may need to contact the relevant provider directly about provider-imposed fees or delays.

You may stop using a paid service at any time.

Cancelling, abandoning, or no longer using a plan does not automatically create a refund right.

Where the plan does not renew automatically, no additional payment should be required after expiry unless the user chooses to make another payment.

Where SmartParho introduces an automatically renewing payment method in the future, the renewal and cancellation conditions must be clearly displayed before the user authorises it.

Closing or deleting a SmartParho account does not automatically result in a refund.

Before requesting account deletion, resolve any pending:

• Refund request;
• Payment verification;
• Sponsor-plan issue;
• Donation dispute;
• Contributor payout;
• Chargeback; or
• Other billing matters.

SmartParho may retain limited payment and refund records as described in the Privacy Policy,

including where necessary for accounting, fraud prevention, dispute resolution, or legal compliance.

SmartParho handles payment receipts, refund information, transaction references, account

details, and related communications according to the Privacy Policy.

Payment evidence may be shared with a bank, mobile wallet, payment provider, service provider, or lawful authority where reasonably necessary to:

• Verify a transaction;
• Process a refund;
• Investigate fraud;
• Resolve a dispute;
• Prevent duplicate recovery; or
• Comply with applicable law.

Do not submit more personal or financial information than is reasonably necessary.

SmartParho may restrict refund privileges or account access where a user repeatedly:

• Purchases and refunds plans without a genuine service issue;
• Consumes paid benefits before requesting refunds;
• Submits misleading claims;
• Uses multiple accounts;
• Abuses payment disputes;
• Attempts duplicate recovery;
• Circumvents download limits; or
• Otherwise misuses this Policy.

Any restriction will remain subject to rights that cannot lawfully be excluded.

SmartParho may consider a request outside the standard rules where exceptional circumstances exist.

Examples may include:

• A serious verified technical error;
• A payment matched to the wrong person;
• A documented accessibility issue that prevented all use;
• A significant SmartParho service failure;
• A verified case involving fraud or account compromise; or
• Another circumstance where a refund is fair and reasonable.

Exceptional consideration is not guaranteed and does not create an automatic right for future requests.

SmartParho may update this Refund Policy to reflect changes in:

• Subscription plans;
• Sponsor services;
• Payment methods;
• Donation features;
• Payout processes;
• Platform technology;
• Legal requirements; or
• Business operations.

The updated Policy will be published on this page with a revised “Last updated” date.

Changes normally apply to payments made after the updated Policy becomes effective.

Where required by applicable law, the policy in effect at the time of payment or the legally required standard will apply.

Nothing in this Refund Policy excludes, restricts, or limits a consumer, payment, contractual, or other legal right that cannot lawfully be excluded, restricted, or limited.

Where this Policy conflicts with a mandatory legal requirement, the mandatory requirement will apply.

For payment verification, duplicate payments, refund requests, Sponsor-plan concerns, donation errors, or other billing questions, contact:

SmartParho

Email: info@smartparho.com

Contact page: Contact SmartParho

Include:

• Your account email;
• Payer’s name;
• Payment amount and date;
• Payment method;
• Transaction or reference number;
• Selected plan or donation;
• A clear payment receipt; and
• A brief explanation of the issue.

Never send your password, payment PIN, ATM PIN, mobile-wallet security code, or one-time password.