Website: skywinnew.com

Payment, Refund & Withdrawal Policy

Effective Date: 01/02/2026
Last Updated: 01/05/2026

This Payment, Refund & Withdrawal Policy (“Policy”) governs all financial transactions on skywinnew.com (“Platform”), operated by SkyWin New (“Company”).

By using the Platform, users agree to comply with this Policy.

1. Accepted Payment Methods

1.1 Users may fund their accounts using:

• Debit cards
• Net banking
• UPI
• Authorized digital payment systems

1.2 All payments must:

• Be made using accounts owned by the registered user
• Comply with applicable financial regulations

2. Account Wallet

2.1 The Platform may provide a digital wallet system to:

• Store deposited funds
• Credit winnings
• Process withdrawals

2.2 Wallet balances are:

• Non-transferable
• Not equivalent to bank deposits
• Subject to Platform rules and verification

3. Deposits

3.1 Deposits are considered valid only after:

• Successful payment confirmation
• Receipt of funds by the Company

3.2 The Company is not responsible for:

• Failed transactions due to banking issues
• Delays caused by third-party payment providers

4. Refund Policy

4.1 All deposits are final and non-refundable, except in the following cases:

• Duplicate transactions
• Technical errors resulting in incorrect charges
• Failed services where funds were deducted but not credited

4.2 Refund requests must be submitted within a reasonable time frame.

4.3 Approved refunds will be processed through:

• The original payment method, where possible

5. Withdrawal Policy

5.1 Users may withdraw funds subject to:

• Successful KYC verification
• Minimum withdrawal limits
• Availability of funds in wallet

5.2 Withdrawals will be processed to:

• Verified bank accounts or payment methods

5.3 Processing timelines may vary depending on:

• Payment systems
• Verification status
• Compliance checks

6. Withdrawal Restrictions

The Company may restrict or delay withdrawals in cases of:

• Incomplete KYC
• Suspicious or unusual activity
• Violation of Terms or Policies
• Ongoing investigation or compliance review

7. Chargebacks & Payment Disputes

7.1 Users must not initiate:

• Chargebacks
• Payment reversals
• Unauthorized disputes

7.2 If a chargeback is initiated:

• The account may be suspended
• Funds may be frozen
• Access to the Platform may be permanently restricted

8. Fraud Prevention & Monitoring

The Company reserves the right to:

• Monitor transactions
• Investigate suspicious activity
• Reject or reverse transactions linked to fraud

9. Third-Party Payments Prohibited

Users are strictly prohibited from:

• Using third-party payment accounts
• Funding accounts on behalf of others
• Receiving payments through unverified sources

Violations may result in:

• Account suspension
• Fund restrictions
• Legal action

10. Currency & Conversion

10.1 Transactions may be processed in applicable local currency.

10.2 Any conversion fees or charges:

• Are determined by payment providers
• Are the responsibility of the user

11. Taxes & Financial Compliance

11.1 Users are responsible for:

• Declaring winnings
• Paying applicable taxes

11.2 The Company may:

• Deduct taxes where legally required
• Report transactions to authorities if necessary

12. System Errors

In case of:

• Incorrect crediting
• Duplicate payouts
• Technical glitches

The Company reserves the right to:

• Adjust wallet balances
• Reverse transactions

13. Limitation of Liability

The Company shall not be liable for:

• Payment failures caused by banks or third parties
• Delays in processing
• Unauthorized transactions due to user negligence

14. User Responsibility

Users must ensure:

• Accurate payment details
• Secure handling of financial information
• Compliance with all policies

15. Policy Updates

This Policy may be updated from time to time. Continued use constitutes acceptance.

16. Contact

For payment-related queries:

📧 support@skywinnew.com