Refund Policy

<?php use Illuminate\Support\Str; return [ /* |-------------------------------------------------------------------------- | Default Session Driver |-------------------------------------------------------------------------- | | This option controls the default session "driver" that will be used on | requests. By default, we will use the lightweight native driver but | you may specify any of the other wonderful drivers provided here. | | Supported: "file", "cookie", "database", "apc", | "memcached", "redis", "dynamodb", "array" | */ 'driver' => env('SESSION_DRIVER', 'file'), /* |-------------------------------------------------------------------------- | Session Lifetime |-------------------------------------------------------------------------- | | Here you may specify the number of minutes that you wish the session | to be allowed to remain idle before it expires. If you want them | to immediately expire on the browser closing, set that option. | */ 'lifetime' => env('SESSION_LIFETIME', 120), 'expire_on_close' => false, /* |-------------------------------------------------------------------------- | Session Encryption |-------------------------------------------------------------------------- | | This option allows you to easily specify that all of your session data | should be encrypted before it is stored. All encryption will be run | automatically by Laravel and you can use the Session like normal. | */ 'encrypt' => false, /* |-------------------------------------------------------------------------- | Session File Location |-------------------------------------------------------------------------- | | When using the native session driver, we need a location where session | files may be stored. A default has been set for you but a different | location may be specified. This is only needed for file sessions. | */ 'files' => storage_path('framework/sessions'), /* |-------------------------------------------------------------------------- | Session Database Connection |-------------------------------------------------------------------------- | | When using the "database" or "redis" session drivers, you may specify a | connection that should be used to manage these sessions. This should | correspond to a connection in your database configuration options. | */ 'connection' => env('SESSION_CONNECTION'), /* |-------------------------------------------------------------------------- | Session Database Table |-------------------------------------------------------------------------- | | When using the "database" session driver, you may specify the table we | should use to manage the sessions. Of course, a sensible default is | provided for you; however, you are free to change this as needed. | */ 'table' => 'sessions', /* |-------------------------------------------------------------------------- | Session Cache Store |-------------------------------------------------------------------------- | | While using one of the framework's cache driven session backends you may | list a cache store that should be used for these sessions. This value | must match with one of the application's configured cache "stores". | | Affects: "apc", "dynamodb", "memcached", "redis" | */ 'store' => env('SESSION_STORE'), /* |-------------------------------------------------------------------------- | Session Sweeping Lottery |-------------------------------------------------------------------------- | | Some session drivers must manually sweep their storage location to get | rid of old sessions from storage. Here are the chances that it will | happen on a given request. By default, the odds are 2 out of 100. | */ 'lottery' => [2, 100], /* |-------------------------------------------------------------------------- | Session Cookie Name |-------------------------------------------------------------------------- | | Here you may change the name of the cookie used to identify a session | instance by ID. The name specified here will get used every time a | new session cookie is created by the framework for every driver. | */ 'cookie' => env( 'SESSION_COOKIE', Str::slug(env('APP_NAME', 'laravel'), '_').'_session' ), /* |-------------------------------------------------------------------------- | Session Cookie Path |-------------------------------------------------------------------------- | | The session cookie path determines the path for which the cookie will | be regarded as available. Typically, this will be the root path of | your application but you are free to change this when necessary. | */ 'path' => '/', /* |-------------------------------------------------------------------------- | Session Cookie Domain |-------------------------------------------------------------------------- | | Here you may change the domain of the cookie used to identify a session | in your application. This will determine which domains the cookie is | available to in your application. A sensible default has been set. | */ 'domain' => env('SESSION_DOMAIN'), /* |-------------------------------------------------------------------------- | HTTPS Only Cookies |-------------------------------------------------------------------------- | | By setting this option to true, session cookies will only be sent back | to the server if the browser has a HTTPS connection. This will keep | the cookie from being sent to you when it can't be done securely. | */ 'secure' => env('SESSION_SECURE_COOKIE'), /* |-------------------------------------------------------------------------- | HTTP Access Only |-------------------------------------------------------------------------- | | Setting this value to true will prevent JavaScript from accessing the | value of the cookie and the cookie will only be accessible through | the HTTP protocol. You are free to modify this option if needed. | */ 'http_only' => true, /* |-------------------------------------------------------------------------- | Same-Site Cookies |-------------------------------------------------------------------------- | | This option determines how your cookies behave when cross-site requests | take place, and can be used to mitigate CSRF attacks. By default, we | will set this value to "lax" since this is a secure default value. | | Supported: "lax", "strict", "none", null | */ 'same_site' => 'lax', ];

At NFC Pay, we strive to provide a seamless and satisfactory experience with our services. This Refund Policy outlines the circumstances under which refunds may be issued for transactions made through our platform. Please read this policy carefully to understand your rights regarding refunds.
1. Eligibility for Refunds
Refunds may be considered under the following circumstances:

Unauthorized Transactions: If you believe that an unauthorized transaction has occurred on your account, you must report it to us within [30 days] of the transaction date. We will investigate the claim, and if confirmed as unauthorized, a refund will be issued.
Technical Errors: If a transaction fails due to a technical error on our platform, resulting in an incorrect charge, you may be eligible for a refund. Please report the issue to our customer support team as soon as possible.
Service Errors: If a payment was made in error due to a system malfunction or incorrect processing by NFC Pay, you may request a refund. Proof of the error may be required to process your request.

2. Non-Refundable Situations
Refunds will generally not be issued in the following situations:

Completed Transactions: Refunds cannot be processed for completed transactions where the goods or services have already been received as intended.
Merchant Issues: NFC Pay is a payment facilitator and is not responsible for disputes related to the quality or delivery of goods and services provided by merchants. Refunds in these cases must be resolved directly with the merchant.
User Errors: Transactions resulting from user errors, such as incorrect recipient details or duplicate payments, are generally not eligible for refunds. Please double-check your details before confirming any transaction.

3. Refund Process
To request a refund, please follow these steps:

Contact Customer Support: Reach out to our customer support team via [email/phone/app support chat] with your transaction details, including the date, amount, and reason for the refund request.
Investigation: Our team will review your request and may ask for additional information or documentation to support your claim. This process typically takes [5-10 business days], depending on the complexity of the issue.
Refund Decision: After reviewing your request, we will notify you of our decision. If approved, the refund will be processed back to your original payment method. The timing of the refund will depend on your bank or payment provider and may take up to [10 business days] to reflect in your account.

4. Refund Exceptions
Certain transactions may be subject to specific terms and conditions, including non-refundable fees or charges. Please review the terms associated with each transaction carefully, as some fees may not be eligible for refunds.
5. Modifications to the Refund Policy
NFC Pay reserves the right to modify this Refund Policy at any time. Changes will be communicated through updates on our website and app, and the effective date will be updated accordingly. We encourage you to review this policy periodically to stay informed about our refund practices.
By using NFC Pay, you agree to this Refund Policy and understand the terms under which refunds may be issued. Our goal is to ensure a fair and transparent refund process, providing you with confidence and peace of mind when using our services.

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