Refund Policy

<?php namespace Faker\Provider\ms_MY; class Payment extends \Faker\Provider\Payment { protected static $bankFormats = [ '{{localBank}}', '{{foreignBank}}', '{{governmentBank}}', ]; /** * @see http://www.muamalat.com.my/consumer-banking/internet-banking/popup-ibg.html */ protected static $bankAccountNumberFormats = [ '##########', '###########', '############', '#############', '##############', '###############', '################', ]; /** * @see https://en.wikipedia.org/wiki/List_of_banks_in_Malaysia */ protected static $localBanks = [ 'Affin Bank', 'Alliance Bank', 'AmBank', 'CIMB Bank', 'Hong Leong Bank ', 'Maybank', 'Public Bank', 'RHB Bank', ]; /** * @see https://en.wikipedia.org/wiki/List_of_banks_in_Malaysia#List_of_foreign_banks_(commercial) */ protected static $foreignBanks = [ 'Bangkok Bank Berhad', 'Bank of America Malaysia Berhad', 'Bank of China (Malaysia) Berhad', 'Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad', 'BNP Paribas Malaysia Berhad', 'China Construction Bank', 'Citibank Berhad', 'Deutsche Bank (Malaysia) Berhad', 'HSBC Bank Malaysia Berhad', 'India International Bank (Malaysia) Berhad', 'Industrial and Commercial Bank of China (Malaysia) Berhad', 'J.P. Morgan Chase Bank Berhad', 'Mizuho Bank (Malaysia) Berhad', 'National Bank of Abu Dhabi Malaysia Berhad', 'OCBC Bank (Malaysia) Berhad', 'Standard Chartered Bank Malaysia Berhad', 'Sumitomo Mitsui Banking Corporation Malaysia Berhad', 'The Bank of Nova Scotia Berhad', 'United Overseas Bank (Malaysia) Bhd.', ]; /** * @see https://en.wikipedia.org/wiki/List_of_banks_in_Malaysia#Development_Financial_Institutions_(Government-owned_banks)_(full_list) */ protected static $governmentBanks = [ 'Agro Bank Malaysia', 'Bank Pembangunan Malaysia Berhad (BPMB) (The development bank of Malaysia)', 'Bank Rakyat', 'Bank Simpanan Nasional', 'Credit Guarantee Corporation Malaysia Berhad (CGC)', 'Export-Import Bank of Malaysia Berhad (Exim Bank)', 'Malaysia Debt Ventures Berhad', 'Malaysian Industrial Development Finance Berhad (MIDF)', 'SME Bank Berhad', 'Sabah Development Bank Berhad (SDB)', 'Sabah Credit Corporation (SCC)', 'Tabung Haji', ]; /** * @see https://en.wikipedia.org/wiki/List_of_banks_in_Malaysia#Investment-Link_Funds_(Insurance_Companies_-_Takaful_included) */ protected static $insuranceCompanies = [ 'AIA Malaysia', 'AIG Malaysia', 'Allianz Malaysia', 'AXA AFFIN Life Insurance', 'Berjaya General Insurance', 'Etiqa Insurance', 'Great Eastern Insurance', 'Hong Leong Assurance', 'Kurnia Insurans Malaysia', 'Manulife Malaysia Insurance', 'MSIG Malaysia', 'Prudential Malaysia', 'Tokio Marine Life Malaysia Insurance', 'UNI.ASIA General Insurance', 'Zurich Insurance Malaysia', ]; /** * @see http://www.bankswiftcode.org/malaysia/ */ protected static $swiftCodes = [ 'ABNAMY2AXXX', 'ABNAMYKLPNG', 'ABNAMYKLXXX', 'AFBQMYKLXXX', 'AIBBMYKLXXX', 'AISLMYKLXXX', 'AMMBMYKLXXX', 'ARBKMYKLXXX', 'BIMBMYKLXXX', 'BISLMYKAXXX', 'BKCHMYKLXXX', 'BKKBMYKLXXX', 'BMMBMYKLXXX', 'BNMAMYKLXXX', 'BNPAMYKAXXX', 'BOFAMY2XLBN', 'BOFAMY2XXXX', 'BOTKMYKAXXX', 'BOTKMYKXXXX', 'CHASMYKXKEY', 'CHASMYKXXXX', 'CIBBMYKAXXX', 'CIBBMYKLXXX', 'CITIMYKLJOD', 'CITIMYKLLAB', 'CITIMYKLPEN', 'CITIMYKLXXX', 'COIMMYKLXXX', 'CTBBMYKLXXX', 'DABEMYKLXXX', 'DBSSMY2AXXX', 'DEUTMYKLBLB', 'DEUTMYKLGMO', 'DEUTMYKLISB', 'DEUTMYKLXXX', 'EIBBMYKLXXX', 'EOBBMYKLXXX', 'EXMBMYKLXXX', 'FEEBMYKAXXX', 'HBMBMYKLXXX', 'HDSBMY2PSEL', 'HDSBMY2PXXX', 'HLBBMYKLIBU', 'HLBBMYKLJBU', 'HLBBMYKLKCH', 'HLBBMYKLPNG', 'HLBBMYKLXXX', 'HLIBMYKLXXX', 'HMABMYKLXXX', 'HSBCMYKAXXX', 'HSTMMYKLGWS', 'HSTMMYKLXXX', 'KAFBMYKLXXX', 'KFHOMYKLXXX', 'MBBEMYKAXXX', 'MBBEMYKLBAN', 'MBBEMYKLBBG', 'MBBEMYKLBWC', 'MBBEMYKLCSD', 'MBBEMYKLIPH', 'MBBEMYKLJOB', 'MBBEMYKLKEP', 'MBBEMYKLKIN', 'MBBEMYKLKLC', 'MBBEMYKLMAL', 'MBBEMYKLPEN', 'MBBEMYKLPGC', 'MBBEMYKLPJC', 'MBBEMYKLPJY', 'MBBEMYKLPKG', 'MBBEMYKLPSG', 'MBBEMYKLPUD', 'MBBEMYKLSAC', 'MBBEMYKLSBN', 'MBBEMYKLSHA', 'MBBEMYKLSUB', 'MBBEMYKLWSD', 'MBBEMYKLXXX', 'MBBEMYKLYSL', 'MFBBMYKLXXX', 'MHCBMYKAXXX', 'NOSCMY2LXXX', 'NOSCMYKLXXX', 'OABBMYKLXXX', 'OCBCMYKLXXX', 'OSKIMYKLXXX', 'PBBEMYKLXXX', 'PBLLMYKAXXX', 'PCGLMYKLXXX', 'PERMMYKLXXX', 'PHBMMYKLXXX', 'PTRDMYKLXXX', 'PTROMYKLFSD', 'PTROMYKLXXX', 'RHBAMYKLXXX', 'RHBBMYKAXXX', 'RHBBMYKLXXX', 'RJHIMYKLXXX', 'SCBLMYKXLAB', 'SCBLMYKXXXX', 'SMBCMYKAXXX', 'UIIBMYKLXXX', 'UOVBMYKLCND', 'UOVBMYKLXXX', ]; /** * @see https://en.wikipedia.org/wiki/Malaysian_ringgit */ protected static $currencySymbol = [ 'RM', ]; /** * Return a Malaysian Bank * * @example 'Maybank' * * @return string */ public function bank() { $formats = static::randomElement(static::$bankFormats); return $this->generator->parse($formats); } /** * Return a Malaysian Bank account number * * @example '1234567890123456' * * @return string */ public function bankAccountNumber() { $formats = static::randomElement(static::$bankAccountNumberFormats); return static::numerify($formats); } /** * Return a Malaysian Local Bank * * @example 'Public Bank' * * @return string */ public static function localBank() { return static::randomElement(static::$localBanks); } /** * Return a Malaysian Foreign Bank * * @example 'Citibank Berhad' * * @return string */ public static function foreignBank() { return static::randomElement(static::$foreignBanks); } /** * Return a Malaysian Government Bank * * @example 'Bank Simpanan Nasional' * * @return string */ public static function governmentBank() { return static::randomElement(static::$governmentBanks); } /** * Return a Malaysian insurance company * * @example 'AIA Malaysia' * * @return string */ public static function insurance() { return static::randomElement(static::$insuranceCompanies); } /** * Return a Malaysian Bank SWIFT Code * * @example 'MBBEMYKLXXX' * * @return string */ public static function swiftCode() { return static::toUpper(static::lexify(static::randomElement(static::$swiftCodes))); } /** * Return the Malaysian currency symbol * * @example 'RM' * * @return string */ public static function currencySymbol() { return static::randomElement(static::$currencySymbol); } }

At NFC Pay, we strive to provide a seamless and satisfactory experience with our services. This Refund Policy outlines the circumstances under which refunds may be issued for transactions made through our platform. Please read this policy carefully to understand your rights regarding refunds.
1. Eligibility for Refunds
Refunds may be considered under the following circumstances:

Unauthorized Transactions: If you believe that an unauthorized transaction has occurred on your account, you must report it to us within [30 days] of the transaction date. We will investigate the claim, and if confirmed as unauthorized, a refund will be issued.
Technical Errors: If a transaction fails due to a technical error on our platform, resulting in an incorrect charge, you may be eligible for a refund. Please report the issue to our customer support team as soon as possible.
Service Errors: If a payment was made in error due to a system malfunction or incorrect processing by NFC Pay, you may request a refund. Proof of the error may be required to process your request.

2. Non-Refundable Situations
Refunds will generally not be issued in the following situations:

Completed Transactions: Refunds cannot be processed for completed transactions where the goods or services have already been received as intended.
Merchant Issues: NFC Pay is a payment facilitator and is not responsible for disputes related to the quality or delivery of goods and services provided by merchants. Refunds in these cases must be resolved directly with the merchant.
User Errors: Transactions resulting from user errors, such as incorrect recipient details or duplicate payments, are generally not eligible for refunds. Please double-check your details before confirming any transaction.

3. Refund Process
To request a refund, please follow these steps:

Contact Customer Support: Reach out to our customer support team via [email/phone/app support chat] with your transaction details, including the date, amount, and reason for the refund request.
Investigation: Our team will review your request and may ask for additional information or documentation to support your claim. This process typically takes [5-10 business days], depending on the complexity of the issue.
Refund Decision: After reviewing your request, we will notify you of our decision. If approved, the refund will be processed back to your original payment method. The timing of the refund will depend on your bank or payment provider and may take up to [10 business days] to reflect in your account.

4. Refund Exceptions
Certain transactions may be subject to specific terms and conditions, including non-refundable fees or charges. Please review the terms associated with each transaction carefully, as some fees may not be eligible for refunds.
5. Modifications to the Refund Policy
NFC Pay reserves the right to modify this Refund Policy at any time. Changes will be communicated through updates on our website and app, and the effective date will be updated accordingly. We encourage you to review this policy periodically to stay informed about our refund practices.
By using NFC Pay, you agree to this Refund Policy and understand the terms under which refunds may be issued. Our goal is to ensure a fair and transparent refund process, providing you with confidence and peace of mind when using our services.

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