REFUND POLICY

ESHAL FABRICS INTERNATIONAL

Secure Transactions | Transparent Refunds | Customer Satisfaction

Effective Date: 10 October 2026

1. Introduction

Eshal Fabrics International is committed to fair and transparent refund procedures for purchases made through our official website, https://eshalfabrics.com/.

This Refund Policy explains refund eligibility, approval procedures, payment reversals, processing timelines and customer responsibilities. It should be read together with our Return & Exchange Policy, Cancellation Policy and Terms & Conditions.

2. Refund Eligibility

A customer may qualify for a refund in circumstances including:

An eligible order is cancelled before dispatch.
A product is unavailable after payment has been confirmed.
An eligible return has been approved.
An incorrect product was delivered and an appropriate refund is required.
A product is defective, damaged or materially different from its description.
A verified duplicate payment or excess payment has occurred.
A payment was successfully captured but the corresponding order could not be fulfilled.
A refund is otherwise required by applicable consumer protection law.

Refund requests will be assessed according to the circumstances, published policies and applicable legal requirements.

3. Refund Request Procedure

Customers should contact our official support team through the contact information published on our website.

To assist with verification, please provide:

Order number.
Customer name and registered contact information.
Purchase date and relevant product details.
Reason for the refund request.
Payment transaction reference, where available.
Relevant photographs or supporting information, where appropriate.

Customers should not share card PINs, account passwords, CVV codes or one-time verification codes.

4. Refund Review and Approval

Each refund request may be reviewed against order records, payment confirmation, dispatch status and applicable return or cancellation conditions.

Where necessary, we may request reasonable additional information to verify the order or payment.

We will communicate the decision and relevant next steps through an appropriate customer support channel.

5. Refund Processing Timeline

Refund Timeline

Merchant Processing: Approved refunds will normally be initiated within 7 business days after approval.

Estimated Overall Processing: Refund completion may take approximately 7-14 business days after approval, depending on the bank, card network or payment service provider.

These are operational estimates and do not override any shorter mandatory legal deadlines.

Banking holidays, verification requirements and payment provider procedures may affect the time at which funds become visible in the customer's account.

6. Debit and Credit Card Refunds

For eligible purchases made using Visa, Mastercard or other supported payment cards, refunds will ordinarily be submitted through the original payment channel where technically available.

Card refunds may be subject to the relevant issuing bank, acquiring bank, payment gateway and card network processing procedures.

The appearance of the refund in the cardholder's statement depends on the financial institution's processing schedule.

7. Online Payment Gateway Refunds

Where customers pay through an integrated online payment gateway, approved refunds may be processed through the same provider or another authorized method where the original method is unavailable.

A payment gateway transaction reference may be used to verify the payment and prevent duplicate refund processing.

Refunds will only be initiated after appropriate authorization and verification.

8. Bank Transfer Refunds

Where a customer has paid through a bank transfer and a refund is approved, the refund may be arranged through an appropriate verified bank account.

Additional verification may be required to confirm that the receiving account is authorized to receive the refund.

We will not request a customer's online banking password or one-time authentication code.

9. Cash on Delivery Refunds

For eligible Cash on Delivery purchases, approved refunds may be processed through a verified bank account or another suitable agreed payment method.

The customer may be asked to provide limited account details necessary to arrange the transfer securely.

Cash on Delivery refunds are subject to verification of the original order and any applicable return requirements.

10. Failed Payment Transactions

If an online payment fails and no amount has been successfully captured, there may be no merchant refund to process.

Temporary authorization holds or pending debits may be released by the relevant bank or payment service provider according to its procedures.

If the customer has been debited but the order remains unpaid or unconfirmed, the customer should contact support with the payment reference so that the transaction can be investigated.

11. Duplicate Payments

If a customer is charged more than once for the same order, we will review the transaction records and coordinate with the payment provider where necessary.

Any verified excess amount collected by Eshal Fabrics International will be refunded or reversed through an appropriate authorized process.

Customers should avoid repeatedly submitting payments while a transaction is still pending verification.

12. Cancelled Orders

Orders cancelled in accordance with our Cancellation Policy may qualify for a refund where payment has already been successfully received.

If an order has already been dispatched, the customer may need to follow the applicable Return & Exchange Policy.

Refund eligibility will depend on the cancellation status, fulfilment stage and applicable consumer rights.

13. Returned Products

For returns that require product inspection, refund approval may depend on receiving and assessing the returned goods.

Where a return is approved, the refund will be processed in accordance with the stated timeline and applicable law.

Customers should follow the authorized return instructions and retain shipment records where available.

14. Incorrect or Damaged Products

If a product is incorrectly supplied, defective or damaged before delivery, the customer may be eligible for a refund, replacement or another remedy as required by applicable law.

Where a refund is appropriate because of an error attributable to Eshal Fabrics International, reasonable related return shipping costs will be handled by the business in accordance with applicable law.

15. Partial Refunds

A partial refund may be appropriate where only part of an order is cancelled, unavailable, returned or otherwise eligible for reimbursement.

Any partial refund will be calculated according to the relevant product value, applicable charges and the circumstances of the order.

Customers will be informed of the approved refund amount.

16. Shipping Charges

Refund treatment of original shipping charges depends on the reason for cancellation or return, the charges disclosed at checkout and applicable law.

Where an order cannot be fulfilled because of a merchant error, the customer will not be unfairly charged for services that were not provided.

Reasonable return shipping costs for discretionary change-of-mind returns may be the customer's responsibility where properly disclosed and legally permitted.

17. Promotional Discounts and Vouchers

Refund amounts for discounted orders will generally reflect the amount actually paid for the eligible goods, subject to applicable law.

Promotional vouchers, coupons and special offers may have conditions disclosed at the time of purchase.

Any refund adjustment will be explained where relevant.

18. Refund to Original Payment Method

Secure Refund Method

Where supported, approved refunds will be returned to the original payment method used for the transaction.

Alternative refund methods will be considered only where appropriate, verified and permitted by the relevant payment provider and applicable law.

Customers should not send sensitive banking credentials through email, social media messages or unverified communication channels.

19. Chargebacks and Payment Disputes

If a customer initiates a payment dispute through their bank or card issuer, the transaction may be subject to the relevant payment network's dispute resolution procedures.

We may provide order and fulfilment records to the authorized financial institution as reasonably necessary to investigate the dispute.

Customers should inform support about an existing chargeback to help avoid duplicate refund processing.

20. Refund Status Updates

Customers may request a refund status update by contacting our official support team and providing the relevant order number.

Once a refund has been initiated, final settlement timing may depend on the financial institution.

Where available, a refund reference may be provided to assist with tracing the transaction.

21. Refund Requests That Cannot Be Approved

A discretionary refund request may be declined if it does not satisfy the applicable return or cancellation conditions.

Customers will be informed of the relevant reason and may provide additional information for review.

Nothing in this section restricts mandatory rights relating to defective, incorrect or misdescribed goods.

22. Fraud Prevention and Verification

Refunds may be subject to reasonable security checks to protect customers and the business from unauthorized transactions, identity misuse and duplicate payments.

Any verification process should be proportionate to the relevant risk and handled through authorized communication channels.

23. Customer Support and Complaints

Customers experiencing refund delays or disputes may contact the official support channels listed on our website.

We aim to investigate concerns fairly and provide a clear explanation of the refund status and available next steps.

24. Related Policies

Customers are encouraged to review the following policies:

25. Applicable Law

This Refund Policy is intended to operate in accordance with applicable laws of Pakistan, including relevant consumer protection requirements.

Where a mandatory legal requirement conflicts with a provision of this policy, the applicable legal requirement will prevail.

26. Policy Updates

Eshal Fabrics International may update this policy to reflect operational changes, payment provider requirements or legal developments.

The latest version will be published on our official website. Existing customer rights and applicable contractual commitments will be respected.

Need Refund Assistance?

Contact our customer support team through our official website and provide your order number and relevant transaction details.

www.eshalfabrics.com

ESHAL FABRICS INTERNATIONAL

3rd Floor, 358-IB, Block-B, Pak Arab Housing Society, Main Ferozepur Road, Lahore, Punjab, Pakistan