Cancellation/Refund policy

1. AgriGate Commodity Transaction platform – Refund & Cancellation Policy

The Rural Trust offers full refunds for prepayments made in advance if we are unable to fulfill the order within promised time duration due to any logistical issues at our end.

However, in the event that a customer chooses to back out of an offer after they have accepted the same, we are not able to offer a refund.

Additionally, for payments accepted after delivery and acceptance of perishable goods by the customer, we do not offer refunds.

In case you have any chargeback related queries, please write to reach@theruraltrust.com.

2. Hospicash Health Insurance – Refund & Cancellation Policy

2.1 Free-Look Period

- As per IRDAI guidelines, customers may cancel their Hospicash policy within 15 days (Free-Look Period) of receiving the policy document (digitally or physically).
- If no claims have been made during this period, the customer will receive a full premium refund after deducting:
  - Stamp duty charges
  - Medical examination charges (if any)
  - Pro-rata risk premium for the coverage period

2.2 Cancellation After Free-Look Period

- Customers may request cancellation after the free-look period. Refunds, if any, will be governed by the insurer's short-period scale and subject to:
  - Duration of coverage used
  - Claim history
  - Applicable deductions

Note: AgriGate facilitates the insurance but is not the insurer. Final decisions on refunds rest with the underwriting insurance partner.

2.3 Claim During Policy Period

- If a claim has been made during the policy term, no refund shall be applicable in case of cancellation.

2. Refund Processing

- Approved refunds will be processed within 7–10 business days to the original payment method.
- Customers will be notified via email/SMS once the refund is initiated.

3. How to Request a Refund or Cancellation

Please write to reach@theruraltrust.com with the following details:
- Registered Name and Mobile Number
- Service (Doctor on Call / Hospicash Insurance)
- Date of Purchase / Consultation
- Reason for Cancellation/Refund Request
- Supporting Documents (if applicable)

4. Dispute Resolution

In case of any dispute regarding refunds or cancellations, the decision of RuTrust AgriGate India Pvt. Ltd. and its partnered insurance provider shall be final. Users may also approach the Insurance Ombudsman in case of insurance-related grievances.