Razorpay Merchant KYC & Consumer Protection Compliance

Cancellation & Refund Policy

Last Updated: September 2026 • Registered Location: Idar, Gujarat, India • Smart Library

At Smart Library (Smart Library, 2nd Floor, Balaji Complex, near JB Petrol Pump, Idar, Sabarkantha, Gujarat, PIN 383430), we are committed to complete transparency, fairness, and prompt customer satisfaction. This Cancellation & Refund Policy outlines the terms governing membership cancellations, eligible refund requests, and automatic reversals.

1. Pre-Activation Cancellation (Zero Fee)

If you have submitted a membership application or desk reservation request through our mobile application, you are free to cancel the request at any time prior to making payment or prior to administrative approval. No fees, penalties, or charges will ever be levied for pre-activation cancellations.

2. 48-Hour Refund Window & Fee Guidelines

Eligible Refund Request Period:
If, following payment confirmation, you wish to discontinue your membership or encounter unforeseen circumstances, you may request a cancellation and refund within 48 hours (2 calendar days) of the transaction timestamp.

  • The assigned physical desk must not have been substantially occupied or utilized during this period.
  • Convenience & Processing Fees: A convenience fee, including applicable GST, may be charged on online payments to cover payment processing costs. The applicable fee will be displayed on the payment screen before you complete the transaction. The total amount payable, including this fee, will be shown clearly prior to payment confirmation. Convenience fees are non-refundable, except where the refund is due to an error on our part or as required by law.
  • Upon approval of an eligible refund request, the base membership fee will be credited back to your original source payment method.
  • Refund requests submitted after the 48-hour window are generally non-refundable due to dedicated seat reservation holding that prevents other students from booking.

3. Automatic Reversal for Failed or Duplicate Transactions

We understand that network drops, banking server timeouts, or accidental double clicks can occasionally occur during checkout:

  • Failed Debits: In the event that money is deducted from your bank account or UPI application but the transaction shows as failed or does not activate your membership on the app, the full debited amount will be automatically reversed back to the source account.
  • Duplicate Debits: If you are inadvertently charged twice for a single membership request, the duplicate charge will be automatically identified and refunded in full.
  • Reversal Timeline: As per Reserve Bank of India (RBI) guidelines and Razorpay standard settlement cycles, all automatic refunds and reversals are credited back to your original source payment method (Bank Account, Credit/Debit Card, or UPI ID) within 5 to 7 business days.

4. How to Submit a Cancellation or Refund Request

To request a refund or inquire about a payment status, please follow these simple steps:

  1. Call our support helpline directly at +91 7874084137, email viralchaudhari32@gmail.com, or visit our on-premise reception counter at the Idar campus.
  2. Provide your registered mobile number and your 14-character Razorpay Payment ID (found in your payment SMS / UPI receipt or inside the student app Payment History screen).
  3. Our management will verify the request against attendance records and process eligible refunds immediately.

5. Contact & Grievance Support

For urgent payment escalations or refund inquiries, please contact:

Smart Library Management Desk (Smart Library)

Address: Smart Library, 2nd Floor, Balaji Complex, near JB Petrol Pump, Idar, Sabarkantha, Gujarat, PIN 383430

Contact Email: viralchaudhari32@gmail.com

Helpline: +91 7874084137 (Open 24x7 (24 Hours, Monday to Sunday, All 365 Days))