Cancellation and Refund Policy

1. Scope of This Policy

This Cancellation and Refund Policy applies, where relevant, to eligible payments and transactions made through authorised Pick Pay Pack / MBF Universe channels.

This may include:

• District Millets Mission Leader enrollment
• District Stockist & Distributor activation payments
• Business and leadership training
• Product orders
• Stock allocations
• Approved digital or program services
• Other transactions specifically covered by this policy

Some MBF Universe programs operate under separate agreements. Where an executed agreement contains a specific cancellation, exit, settlement or refund provision, that provision will govern that particular relationship to the extent applicable and legally valid.

2. General Principle

A payment should not automatically be understood as unconditionally refundable.

Refund eligibility depends on factors such as:

• Nature and purpose of the payment
• Stage of the program
• Training or services already delivered
• Whether stock has been allocated or dispatched
• Whether activation has occurred
• Applicable taxes and payment charges
• Outstanding dues or obligations
• Applicable written policy
• Executed agreement
• Applicable law

3. District Millets Mission Leader – Current Activation Structure

The current District Millets Mission Leader program follows a three-stage activation process.

4. Stage 1 – Training-Stage Cancellation

Stage 1 is intended to provide Mission Enrollment, onboarding and the 30-Day Business & Leadership Training process.

Before the formal mutual-continuation confirmation, either:

• The participant may decide that the District Leadership opportunity is not suitable for them; or
• MBF Universe may decide not to continue the candidature under the applicable assessment, training or selection process.

This remains subject to:

• Applicable executed agreement
• Actual payment received
• Tax treatment
• Account reconciliation
• Any lawful adjustments

5. Formal Mutual-Continuation Confirmation

The training-stage exit facility described above applies before formal mutual-continuation confirmation.

Mutual continuation generally means that:

• The participant has progressed through the required process
• MBF Universe has reviewed continuation suitability
• The participant confirms the intention to proceed
• Business activation progresses toward the next stage

Once the participant proceeds into business activation, the cancellation and exit framework changes from the training-stage model to the applicable activation / post-activation framework.

6. Stage 2 – Certification & District Activation

Stage 2 relates to certification, district activation, stock allocation and applicable business-support activation.

Once Stage 2 has been accepted and business activation has commenced, any request to cancel or withdraw may require review of:

• Training and certification completed
• Territory / district activation
• Stock already allocated
• Stock already invoiced
• Stock already dispatched or delivered
• Marketing and activation resources provided
• Digital systems activated
• Applicable taxes and charges
• Outstanding obligations

7. Stage 3 – Final Activation

Stage 3 completes the current ₹6,00,000 District Leadership business commitment.

It may include:

• Final activation
• Remaining approved stock allocation
• Applicable additional stock benefit
• Powerhouse-development eligibility
• Marketing material
• Dashboard and software access
• Other approved business-support benefits

Once full activation has occurred, an exit request will be handled under the post-activation exit process rather than the Stage 1 training-stage refund structure.

8. Post-Activation Exit

After business activation, the current District Millets Mission Leader exit framework is replacement- and reconciliation-based.

MBF Universe may attempt to identify and approve a suitable replacement for the relevant territory or business position.

However:

• No fixed replacement timeline is guaranteed
• No immediate settlement is guaranteed
• No fixed refund amount should be assumed

The exact settlement formula applicable to a fully activated District Leader must be stated in the current executed District Stockist / District Leader agreement.

9. Post-Activation Reconciliation

Before any eligible settlement is determined, MBF Universe may review and reconcile matters including:

• Stock supplied
• Eligible unsold stock
• Stock already sold or consumed
• Damaged or expired stock
• Missing stock
• Company or program assets
• Outstanding payments
• Receivables and payables
• Credits and debit notes
• Applicable taxes
• Freight and logistics
• Claims and adjustments
• Territory handover
• Customer and business records
• Digital-system access

10. Replacement & Territory Handover

An outgoing activated District Leader may be required to cooperate reasonably with the transition process.

This may include:

• Inventory verification
• Account reconciliation
• Territory handover
• Powerhouse and channel information
• Pending customer matters
• Company-provided assets
• System and dashboard transition

Normal exit-transfer, stock-transfer or local shipping costs are ordinarily borne by the outgoing Leader unless an exception is approved in writing under the applicable agreement or policy.

11. Stock Already Dispatched or Delivered

Stock that has already been dispatched, delivered or accepted is not automatically refundable merely because a participant later decides not to continue.

Any return or reconciliation request may depend on:

• Product condition
• Original packaging
• Invoice details
• Batch information
• Manufacturing / expiry dates
• Saleability
• Storage conditions
• Applicable agreement
• Return approval

12. Non-Returnable or Non-Refundable Product Situations

Subject to applicable law, products may not ordinarily qualify for return or refund where:

• The product has been opened or materially used
• The original packaging has been materially altered
• The product has been repacked without authorisation
• The label, batch or expiry information has been altered
• The product has been damaged after delivery
• Improper storage caused deterioration
• The product expired while under the recipient's control
• The product is no longer commercially saleable
• Required invoice or batch information is unavailable

Statutory consumer rights, where applicable, are not intended to be excluded by this provision.

13. Wrong, Damaged or Defective Products

If an incorrect, materially damaged or genuinely defective product is received, the recipient should report the matter promptly through an authorised support channel.

Please preserve:

• Original packaging
• Invoice
• Batch information
• Photographs or video evidence where applicable
• Unused affected product

After verification, an appropriate remedy may include:

• Replacement
• Credit adjustment
• Approved refund
• Other appropriate resolution

The appropriate remedy will depend on the facts, applicable policy and legal requirements.

14. Consumer Product Order Cancellation

Where the website or an authorised channel permits direct consumer product purchases, a cancellation request should be raised as early as possible.

If an order has not yet been processed or dispatched, cancellation may be considered subject to:

• Order status
• Payment status
• Product type
• Applicable charges
• Current cancellation rules

Once an order has been dispatched, cancellation may no longer be operationally possible and any return request will be considered separately.

15. Business Stock Orders

Bulk, partner, distributor, Powerhouse, Micro Store or District Stockist orders are business transactions and may involve production planning, inventory reservation, invoicing, transport or other commitments.

Accordingly, cancellation of a confirmed business stock order may be subject to stricter reconciliation than a normal consumer order.

The applicable business agreement, purchase order, invoice or current supply policy should be reviewed in such cases.

16. Training & Digital Services

Certain payments may cover training, onboarding, digital access, assessments, counselling, learning material or other services that begin soon after enrollment.

Where a service has already been substantially provided, accessed or completed, the corresponding amount may not be fully refundable unless specifically provided by the applicable written policy.

The District Millets Mission Leader Stage 1 refund framework described earlier in this policy applies specifically to that program and should not automatically be applied to unrelated MBF Universe programs.

17. Duplicate or Excess Payment

If the same payment is accidentally processed more than once, or an amount materially exceeding the required amount is received, the payer should contact the authorised support team.

After verification of:

• Transaction references
• Bank or gateway records
• Invoice / payment purpose
• Accounting records

an eligible duplicate or excess amount may be refunded or adjusted as appropriate.

18. Failed Payment or Payment Gateway Reversal

Where a payment fails but the customer or applicant believes that money has been debited, the transaction should first be verified against the applicable bank or payment-gateway record.

In some cases, the bank or payment gateway may automatically reverse an unsuccessful transaction without requiring a separate refund from Pick Pay Pack.

Users should retain the payment reference until the matter is resolved.

19. Refund Method

Where a refund is approved, it will ordinarily be processed through an appropriate authorised financial channel.

Depending on the original transaction and operational requirements, this may include:

• Original payment method
• Bank transfer to a verified account
• Payment-gateway reversal
• Approved account adjustment or credit where agreed

Identity, account and transaction verification may be required before processing.

20. Refund Processing Timeline

Refund requests are not considered approved merely when they are submitted.

Processing begins after the applicable review, approval and reconciliation requirements are completed.

The applicable refund or settlement timeline may vary depending on:

• Nature of the transaction
• Program stage
• Stock reconciliation
• Supporting documentation
• Payment method
• Bank or payment-gateway processing
• Executed agreement

21. Taxes, Payment Charges & Adjustments

The amount ultimately refundable may be affected, where legally and contractually applicable, by matters such as:

• GST / tax treatment
• Payment-gateway charges
• Freight
• Shipping
• Stock adjustments
• Outstanding dues
• Damaged or missing goods
• Credits / debit notes
• Other contractually permitted adjustments

No deduction will be applied merely because it is convenient; adjustments must have an applicable contractual, operational or legal basis.

22. How to Request Cancellation or Refund

A cancellation, refund or exit request should be submitted through an authorised channel.

1. Provide your full name and registered mobile number.
2. Provide your Candidate Reference, Partner ID or Order Number where applicable.
3. State the payment amount, payment date and transaction reference.
4. Clearly explain the cancellation, refund or exit request.
5. Attach supporting documents where applicable.
6. Allow the authorised team to verify the transaction, program stage, stock and account position.
7. Eligible refund or settlement will proceed only after authorised approval and required reconciliation.

23. Documentation That May Be Required

Depending on the nature of the request, users may be asked to provide:

• Payment receipt
• Transaction ID
• Invoice
• Candidate / Partner reference
• Identity verification
• Bank details for an approved refund
• Product photographs
• Batch information
• Stock statement
• Written exit request
• Other reasonably necessary supporting records

24. Unauthorised Refund Promises

No employee, Relationship Manager, trainer, distributor, partner or other representative is authorised to create a refund promise that contradicts:

• This policy
• The applicable current written commercial policy
• The executed agreement
• Applicable law

25. Territory Cancellation

Withdrawal from an application or business program does not create ownership over a district or territory.

Territory rights exist only according to the applicable authorised approval and executed agreement.

Upon cancellation, non-continuation or approved exit, MBF Universe may release, reassign or restructure the relevant territory according to current policy.

26. Exceptional Circumstances

Genuine exceptional circumstances may be submitted for authorised review.

Such circumstances may be considered on their facts, documentation, applicable agreement and legal requirements.

A discretionary review does not create an automatic right to special refund treatment in other cases.

27. Disputes Regarding Refunds

If a user disagrees with a refund or reconciliation decision, the matter should first be raised through the authorised support or escalation process with relevant documentation.

Where an executed agreement provides a specific notice, dispute-resolution, jurisdiction or arbitration process, that process will apply to the relevant contractual relationship.

28. Relationship With Other Policies

This Cancellation and Refund Policy should be read together with:

• Terms and Conditions
• Shipping Policy
• Privacy Policy
• Applicable program-specific agreement
• Current written MBF Universe commercial policy

29. Source-of-Truth Rule

Old brochures, screenshots, advertisements, previous versions of business models or informal verbal statements should not be used to override current authorised written terms.

30. Changes to This Policy

Pick Pay Pack may update this Cancellation and Refund Policy where reasonably required to reflect changes in programs, commercial structures, operating procedures, technology or applicable law.

The latest published version will show the applicable "Last Updated" date.

A later policy update will not override rights that cannot legally be altered retrospectively.