Refund & Cancellation Policy

1. General Policy on NVX Credits

NAGVEX operates using a closed-loop digital utility known as NVX Credits. Due to the digital nature of our services, all purchases of NVX Credits are final and non-refundable once the credits have been successfully credited to your NAGVEX account wallet.

Once INR (fiat currency) is converted into NVX Credits, there is no mechanism to withdraw, exchange, or refund those credits back into fiat currency or transfer them to a bank account.

2. Payment Gateway Failures

We process payments through secure third-party payment gateways (e.g., Razorpay). A refund will only be initiated in the following technical scenarios:

• Your bank account or credit card was charged, but due to a technical error, the equivalent NVX Credits were not added to your NAGVEX account.
• You were charged multiple times for a single transaction due to a gateway timeout or network error.

3. Refund Processing Time

If you experience a payment failure as described in Section 2, the payment gateway usually auto-reverses the transaction within 5-7 business days. If the money is settled to us without issuing credits, we will manually initiate a refund back to the original payment source within 7-10 business days upon verification.

4. Expiration of Credits

NVX Credits purchased by you do not expire. They will remain securely in your account until you choose to utilize them for platform services.

5. Raising a Dispute

If you believe you have been charged incorrectly or experience a transaction failure, please immediately email our support team with your transaction ID and registered email address at: nagvexofficial@gmail.com.