Varthaali (Operating Brand: Fatcats) Refund Policy

Business identity:

Fatcats is a brand operated by Varthaali. References to "Fatcats", "we", "our", or "us" in this Policy shall mean Varthaali and its authorized representatives. Certain products may be sold directly by Varthaali, while other products may be sold by independent third-party sellers through the platform.

Effective Date: 

This Policy applies to all purchases made through Fatcats, a brand operated and managed by Varthaali.

This policy takes effect on the date it is published on the Fatcats app.

1. Promoter Terms & Responsibilities

• Any customer may become a voluntary promoter by sharing Fatcats products or offers with others.
• Promoters are not employees, agents, or partners of Fatcats.
• No joining fee, subscription, or investment is required to become a promoter.
• Cashback is earned only on verified product purchases made by referred users.
• No reward is given for referring inactive users or users who do not make purchases.
• Earnings vary based on product category and promotional structures and are not guaranteed.
• Promoters must not misrepresent income potential or misuse referral tools.
• Fatcats reserves the right to terminate promoter privileges in case of fraud, misrepresentation, or violation of platform rules.

2. Market Place Vs Direct Sales: 

Nature of Transactions

Products displayed on Fatcats may be:

• Sold directly by Varthaali (Seller of Record); or
• Sold by independent third-party sellers using the platform.

Refund, replacement, return, and warranty eligibility may vary depending on the seller and product category. Product-specific conditions displayed at checkout shall prevail.

3. Cashback Withdrawal Policy for Minors

• Users under 18 may sign up and make purchases with parental consent.
• Withdrawal of cashback is strictly limited until the user:
1. Turns 18 years old, and
2. Submits a valid PAN card linked to their account.
• Until eligibility is met, cashback earnings will be held securely in the user’s account.
• All cashback is subject to TDS as per applicable laws.

4. How Cashback Works

1. Cashback is earned only on verified purchases of products listed on the Fatcats app.

2.Additional cashback may be credited from system-assigned or directly referred customers’ purchases.

3. No cashback is granted for referrals alone or signups without actual purchases.

4. Cashback amounts vary by product, category, and structure. They are not fixed or guaranteed.

5. Customers must declare cashback as income, where required.

6. Full cashback history, withdrawals, and TDS deductions are available under the Wallet section of the app.

7. Any cashback, reward, loyalty benefit, promotional credit, wallet credit, or incentive issued on a refunded or cancelled order may be reversed, adjusted, withheld, or recovered by Varthaali (Fatcats).

Disclaimer: Fatcats does not operate an MLM, pyramid, or money circulation scheme. Rewards are given solely for promoting products and resulting purchases—not for sign-ups or recruitment. All activity is governed by Indian e-commerce and tax laws.

5. Further Legal & Transaction Terms

• All transactions, pricing, deliveries, and warranties are direct contractual obligations between Buyer and Seller. Fatcats provides only the payment gateway and communication platform and is not liable for delivery failures, product issues, damages, or service delays.
• Payment facility is a technological service, not a financial product. Fatcats is a neutral facilitator using authorized gateways and infrastructure.
• Buyers agree to pay the transaction price via their bank or payment gateway. Refunds will follow Indian Rupees only.

Fraud Prevention:

Varthaali reserves the right to refuse, suspend, investigate, or reject refund, replacement, return, or cancellation requests suspected of fraud, abuse, policy misuse, excessive returns, chargeback manipulation, false claims, or unlawful activity.

5. Buyer Eligibility & Protection Program

• Only Buyers who have purchased the product on Fatcats are eligible.
• Buyers can file disputes within 45 days from the date of delivery.
• Damage or loss after delivery is the Buyer's responsibility.
• Buyers must attempt to resolve issues with Sellers first before raising a dispute.
• Maximum 5 claims per Buyer per year; coverage limited to ₹50,000 per year.
• Fraudulent claims, chargebacks, blacklisted/blocked users, or buyer remorse are not covered.
• Fatcats may suspend, block, or disqualify users who file false or misleading claims.
• Decisions made under Buyer Protection: Varthaali's decision under the Buyer Protection Program shall be based on available evidence, platform records, logistics information, and applicable policies and shall be considered final for platform resolution purposes.

Disputes via Chargeback CB types include: Item not received, Unauthorized CB, Item not as described.

• Seller is responsible for issuing correct invoices stating "Powered by Fatcats".

6. Refund, Exchange, and Cancellation Policy

Eligibility for Refunds:

• Item returned within 3 days of delivery.
• Item must be unused, unworn, in original condition, with packaging and accessories.
• Proof of purchase required.
• Certain products (perishable, personal care, custom-made, digital) are non-returnable.

Refund Process:

1.Initiate Request: Email admin@fatcats.store or use Contact Us page.

2. Return Item: Follow instructions; Buyer may bear return shipping unless Fatcats/Seller error.

3. Refund Approval: Inspection confirms eligibility.

4. Refund Issuance: Approved refunds are initiated within 7 business days. Actual credit timelines depend on banks, card issuers, UPI providers, payment gateways, and financial institutions and may take additional time.

Non Refundable Charges: 

The following may not be refundable unless required by law:

• Shipping charges
• Convenience fees
• Platform service fees
• Payment gateway charges
• Gift wrapping charges
• Promotional benefits already utilized

Exchange Policy:

Only defective, damaged, or wrong items are eligible.

Cancellation Policy:

Orders may be cancelled before dispatch. Once an order has been packed, shipped, handed over to a logistics partner, or processed for fulfillment, cancellation may no longer be possible.

Shipping Damage Policy:

Buyers should inspect packages upon delivery. Visible damage, tampering, missing contents, or delivery discrepancies should be reported within 48 hours of delivery along with supporting photographs or videos.

Force Majeure Protection Policy:

Varthaali shall not be responsible for delays, cancellations, refund delays, delivery failures, or service interruptions caused by events beyond reasonable control, including natural disasters, strikes, government actions, network failures, logistics disruptions, epidemics, pandemics, war, civil disturbances, or force majeure events.

Products not eligible:

Misuse, accidental damage, used consumables, missing packaging/accessories, custom-made items, non-warranty defects.

Digital Products:

Digital products, downloadable content, subscriptions, memberships, gift cards, recharge services, bookings, tickets, and electronically delivered services are generally non-refundable unless required by law or explicitly stated otherwise.

Seller Liability:

For products sold by independent sellers, the seller remains primarily responsible for product quality, warranty obligations, statutory compliance, product authenticity, and applicable after-sales support. Category-specific Conditions: Category Condition Electronics Original condition Clothing & Footwear New & unworn Beauty, Health & Personal Care New & unopened Sports & Equipment New, original packaging Office Products New, original packaging Jewellery New, original packing 8. Intellectual Property & Infringement All content on the Website belongs to Fatcats or respective IP owners. Sellers must have authorization to upload content. Users/Buyers/Sellers must not infringe IP rights. Infringement complaints follow Fatcats Infringement Verification Process (FIVP). Notices must include trademark/copyright ownership proof.

7. 30-Day Replacement Guarantee

• Buyers may request replacement for defective or damaged products within 30 days.
• Only defective, damaged, or wrong items are eligible.
• Replacement is subject to stock availability.
• Products not eligible: Misuse, accidental damage, used consumables, missing packaging/accessories, custom-made items, non-warranty defects. Category-specific Conditions: Category Condition Electronics Original condition Clothing & Footwear

Category-specific Conditions:

8. Intellectual Property & Infringement

• All content on the Website belongs to Fatcats or respective IP owners.
• Sellers must have authorization to upload content.
• Users/Buyers/Sellers must not infringe IP rights.
• Infringement complaints follow Fatcats Infringement Verification Process (FIVP).
• Notices must include trademark/copyright ownership proof.
• Legal disputes fall under the High Court of Hyderabad, Telangana.

9. Limits, Security, and Compliance

• Fatcats may impose transaction limits or screen for fraud.
• Suspicious activity may delay processing; law enforcement may be notified.
• Buyer and Seller must comply with FEMA, IT Act, Income Tax Act, Customs Act, PMLA, FCRA, Export-Import Policy.

10. Miscellaneous

• Profanity, threats, spoof emails, spam, or off-platform transactions are prohibited. Violations may lead to account suspension or cancellation.
• Fatcats does not endorse third-party websites linked via API or other affiliates.
• Limitation of liability: Fatcats is not responsible for indirect or consequential damages.
• Indemnity: Users must indemnify Fatcats for legal claims arising from violations.
• Applicable Law: Governed by Indian law.
• Jurisdiction: Hyderabad, Telangana, India.

11. Contact Us

Varthaali ( Operating Brand: Fatcats)
Workflo, Hitex Bizness Square, 4th Floor, Unit No: 405–411, Jubilee Enclave Road, Hyderabad – 500081
Email: admin@fatcats.store / support@fatcats.store
Phone: +91-970 541 5546

Note:

• Fatcats reserves the right to update or modify this policy at any time.
• Refunds, replacements, and cancellations are subject to verification and Fatcats’s final approval.

Varthaali operates the Fatcats platform as an e-commerce and marketplace service. We do not charge any joining fee, registration fee, or compensation solely for user enrollment. Any cashback, promotional reward, loyalty benefit, or incentive is linked to genuine product or service transactions and is subject to verification, applicable taxes, platform policies, and legal requirements.