This Policy Document contains all the policies of Ruhin e-Commerce Website for Buyers & Guest Users.
This document is essentially an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic Records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
The domain name “www.ruhineducation.com” (hereinafter referred to as “Website”) is owned by Ruhin Education, a partnership firm incorporated with its registered office at G-23, Saket, New Delhi 110017 (hereinafter referred to as “Ruhin”).
Services: Platform for Transactions & Communications The Ruhin Website is a platform for users to utilize for viewing and purchasing Products from Ruhin and interacting with Ruhin. Henceforward:
All commercial/contractual terms are offered by and agreed to between Buyers and Ruhin alone. The commercial/contractual terms include without limitation price, shipping costs, payment methods, payment terms, date, period and mode of delivery, warranties related to products and services and after sales customer support services related to products and services.
Ruhin is not responsible for unsatisfactory or delayed performance of services or damages or delays as a result of products which are out of stock, unavailable or back ordered.
You release and indemnify Ruhin and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions of the users of the Website and specifically waive any claims that you may have in this behalf under any applicable law.
Notwithstanding its reasonable efforts in that behalf, Ruhin cannot take responsibility or control the information provided by other users that is made available on the Website.
You may find other User’s information to be offensive, harmful, inconsistent, inaccurate, or deceptive. Please use caution and practice safe trading when using the Website.
Please note that there could be risks in dealing with underage persons or people acting under false pretense.
Disclaimer: Pricing on any product(s) as is reflected on the Website may be incorrectly reflected due to some technical issue, typographical error or product information published and in such an event Ruhin may cancel such order(s).
Eligibility of Use for Registered or Guest Users
Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are “incompetent to contract” within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website.
Children or Minor: A minor can only use the Website if such use or transaction is made by his/her legal guardian or parent(s) on the Website. Ruhin reserves the right to terminate your use and block your access to the Website if it is brought to the notice of Ruhin by any means or if it is discovered that you are under the age of 18 years.
User Account, Password & Security
Any guest user or registered user can access and use the Website and its services. However, guest users cannot access all the sections of the Website and Services.
Registered users: You can access certain sections of Ruhin Website only if you have created an account using the required information and acquired a Ruhin ID through certain log-in ID and password. You can use any third party website credentials to log in to your Ruhin account. These Third Parties include wwww.facebook.com, Google Inc. and its subsidiaries; websites owned by Yahoo Inc. or its subsidiaries, twitter and any other social media website or any other Internet service permitted by Ruhin.
You are solely responsible for maintaining the confidentiality and security of your Account Information and you are fully responsible for any and every activity that occurs under your Account.
By creating an account on the Website to access all its features and services, you agree to:
(i) Immediately notify Ruhin about any unauthorized use of your Account, and
(ii) Log out from your account at the end of each session.
You will be held liable for any losses incurred by Ruhin or any unauthorized use of your Account which might happen as a result of your failure to keep your Account secure and safe.
You must provide accurate, complete and up-to-date information while filling out the Website registration form. If Ruhin has reasonable grounds to suspect that your Account Information is not current, incomplete or untrue, Ruhin has the right to block your Account and refuse any future access of Website and its services.
Guest users: Guest Users are like un-registered users and are provided with a limited access of the Website under “guest users” category. The Guest Users can browse the Website but cannot avail of the services, purchase goods and place Orders. However, Guest Users may not be able to access certain features and services which are reserved only for the registered users. These benefits can be updated from time to time by Ruhin.
If you are a Buyer, or another user who, for certain purpose, needs to access the Ruhin Website and avail of the offered services, you may be required to provide certain personal information. You will be governed by the user obligations.
When you use the Website or send emails or other data, information or communication to Ruhin, you agree and understand that you are communicating with Ruhin by email or by notices on Website or electronic records on the Website or on your mobile phone number which will be deemed adequate service of notice and/or electronic record to the maximum extent permitted under any applicable law and you consent to receive communications via electronic records from Ruhin periodically and as and when required.
Currently we do not charge anything for user registration on this Website or any fee for browsing and buying on the Website. Changes to the Fee Policy shall be posted on the Website and such changes shall automatically become effective immediately after they are posted on the Website. Unless otherwise stated, all Fees/Charges shall be quoted in Indian Rupees. You shall be solely responsible for compliance of all applicable laws including those in India for making payments to Ruhin Education. Ruhin reserves the right to change its Fees/Charges Policy at its sole discretion from time to time. Ruhin may introduce new services and modify some or all of the existing services and features offered on the Website. In such an event Ruhin reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services.
Subject to compliance with the Agreement(s), Ruhin permits you a non-exclusive, non-sub-licensable, non-transferable, revocable, and limited authority to access and use this Website and the Services and features provided therein.
You agree to comply with all constraints on dissemination, use and reproduction of any materials (such as the Product catalogues) that your access on the Website in accordance with details covered under the Policy on Content given below.
You acknowledge not to access or attempt to access the Website or Services or features by any means other than through the interfaces that are provided by Ruhin. You shall not use any deep-link, robot, spider or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any part of the Website or Content (as defined below), or in any way reproduce or circumvent the navigational structure or presentation of the Website, to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the Website.
You acknowledge that you have gained all relevant consents and approvals to post any User Content. You further acknowledge that all such User Content will be in accordance with applicable law. You acknowledge that Ruhin does not endorse any User Content on the Website and is not responsible or liable for any User Content. Ruhin reserve the right to disable access to the User Content on the Website.
You hereby grant Ruhin a perpetual, non-revocable, worldwide, royalty-free and sub- licensable right and license to use, copy, distribute, display, publish, transmit, make available, reproduce, modify, adapt the User Content and create derivate works of the User Content.
You shall solely be responsible for maintaining the necessary computer/mobile equipment, internet connections and other software and technologies that may be required to access, use and transact on the Website. You may incur access or data fees from Third Parties in connection with your purchase and/or use of the Services. You are responsible for all such fees.
Coupons/Vouchers purchased through the Website should not be commercial purposes and should not be sold to other persons.
You may need to install updates that we or any Third Parties introduce from time to time to use the Services, Products, Website including downloads and required functionality, such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively called “Updates”). Your use of these Products or Website you have installed thus requires that you have agreed to receive such automatically requested Updates.
When you use the Website and/or the Services you specifically undertake not to host, display, upload, modify, publish, transmit, update or share any information or Content that:
- Harms minors in any way;
- Belongs to another person and to which the User does not have any right to;
- Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;
- Impersonate any person or entity, or falsely state or otherwise misrepresent Your affiliation with a person or entity;
- Threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting of any other nation;
- Use the Website or Content for any purpose that is unlawful or prohibited by the Agreement, or to solicit the performance of any illegal activity or other activity which infringes the rights of Ruhin or other third parties;
- Infringes any patent, trademark, copyright or other proprietary rights;
- Engage in any activity that interferes with or disrupts access to the Website or the Services (or the servers and networks which are connected to the Website);
- Attempt to gain unauthorized access to any portion or feature of the Website, any other systems or networks connected to the Website, to any Ruhin server, or to any of the Services offered on or through the Website, by hacking, password mining or any other illegitimate means;
- Contain software viruses or any other computer code, files or programs designed to interrupt destroy or limit the functionality of any computer resource;
- Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
- Probe, scan or test the vulnerability of the Website or any network connected to the Website, nor breach the security or authentication measures on the Website or any network connected to the Website.
- You may not reverse look-up, trace or seek to trace any information on any other user, of or visitor to, the Website, or any other customer of Ruhin, including any Ruhin Account not owned by You, to its source, or exploit the Website or Service or information made available or offered by or through the Website, in any way whether or not the purpose is to reveal any information, including but not limited to personal identification information, other than Your own information, as provided for by the Website;
- Disrupt or interfere with the security of, or otherwise cause harm to, the Website, systems resources, accounts, passwords, servers or networks connected to or accessible through the Websites or any affiliated or linked sites;
- Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
- Violate any applicable laws or regulations for the time being in force within or outside India;
- Violate the terms of the Agreement;
- Violate any code of conduct or other guidelines, which may be applicable for or to any particular Service.
Any purchase of the Products from the Website will be strictly for personal use of the user. The user hereby expressly agrees that any merchandize, or services purchased by the user will not be sold, resold, bartered or in any way used for any commercial purposes or for profit. The user hereby acknowledges that the Products purchased are not transferrable to any third party for profit. Accordingly, Ruhin reserves the right to cancel any Orders that classify as ‘Bulk Order’ as determined by Ruhin as per certain criteria. Any rewards or benefits provided by Ruhin and used by you for placing the ‘Bulk Order’, will not be refunded. An Order can be classified as ‘Bulk Order’ if it meets certain criteria adopted by Ruhin for the purpose of identifying ‘Bulk Order’, including but not limited to:
- Invalid address given in Order details;
- Any malpractice used to place the Order;
- Products ordered for commercial resale and not for self-consumption;
- Bulk quantity of the same product ordered; or
- Multiple Orders placed for same product at the same address.
NOTE: For any institutional/bulk requirements please call our customer care or mail us at firstname.lastname@example.org
There may be certain Orders that Ruhin is unable to process and must cancel. Some situations that may result in inability of Ruhin to process such Orders may include without limitation, non-availability of the Website service, force majeure, credit limitations or suspected fraud.
In case Buyer purchases multiple Products in one transaction, Ruhin may deliver all such Products together. However, this may not always be possible. If Buyer purchases multiple Products in a single transaction, then all the Products would be dispatched to a single delivery address provided by Buyer at the time of purchase. If Buyer wishes to get delivery of the Products to different addresses, then Buyer should purchase the Products under separate transactions and provide separate delivery addresses for each transaction, as may be required. Buyer agrees that the delivery of the Products can be made to the person who is present at the shipping address provided by you.
In certain cases, where Buyer requires certain services in relation to a Product, such as warranty, after-sales or installation services, buyer shall directly contact the manufacturer/Vendor wherever specified. Ruhin is not and shall not be obliged to provide any such additional services.
You represent and warrant that:
(i) You are not located in a country that is subject to the Government embargo, or that has been designated by the Government as a “terrorist supporting” country; and
(ii) You are not listed on any Government list of prohibited or restricted parties.
If Ruhin has suspicion or knowledge, that any of its Users/Buyers is involved in any activity that is intended to file false claims; or any information that is false, misleading or not genuine, then Ruhin, while reserving its rights to initiate civil and/or criminal proceedings against such Buyer, may also at its sole discretion suspend, block, restrict, cancel the Display Name of such Buyer and/or disqualify that user and any related users from availing services through this Website.
Ruhin reserves its right to initiate civil and/or criminal proceedings against a user who files any invalid and/or false claims or provides false, incomplete, or misleading information. In addition to the legal proceedings as aforesaid, Ruhin may at its sole discretion suspend, block, restrict, cancel the Display Name (and its related Display Names) of such user and/or disqualify that user and any related users from availing services from this Website.
Content on the Website
Ruhin Website has no control over Third Party user generated content such as text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music and artwork (collectively called the “Content”).
You may use information on the products and services purposely made available on the Website for downloading, provided that you
- Do not remove any proprietary notice language in all copies of such documents,
- Use such information only for your personal, non-commercial informational purpose,
- Do not copy or post such information on any networked computer or broadcast it in any media,
- Make no modifications to any such information, and
- Do not make any additional representations or warranties relating to such documents.
Third Party Content
General third party information such as product catalogues, product descriptions, product specifications, lists of dealers, reports on features, technology, entertainment, news, advertisements including text, images, videos, photographs of the products, links to third party websites and other data from external sources is made available on the Ruhin Website is called the “Third Party Content”.
The provision of Third Party Content is for general informational purposes only. You acknowledge that the Third Party Content provided to you on the Website is as is received from the sources believed to be reliable or provided by the Manufacturers/Vendors in the process of advertising, exhibiting and offering to sell the Products on the Website. All Third Party Content is provided on an ‘as is’ basis. Ruhin may not own or have the rights and title to any such Third Party Content, nor could Ruhin provide any guarantee with respect to the accuracy, title, merchantability, non-infringement or fitness for a particular motive of any Third Party Content. Ruhin shall not be held accountable for any loss suffered by you based on your reliance on or use of any such Third Party Content.
In case, any Third Party Content contains links to Third Party Websites, and you visit any such external link, you agree to do so at your own risk, responsibility and liability. Ruhin makes no warranty or representation regarding this and does not endorse any website linked to the Websites/Services or the information appearing thereon or any of the products or services described thereon.
Ruhin strictly prohibits the use of language that is racist, hateful, sexual or obscene in nature in a public area. This policy extends to all other areas of the Website that another user may view text within viz. listings, Manufacturers’/Vendors’ pages etc. If any of the title of a product contains offending words, then we allow Manufacturers to ‘blur’ out the bulk of the profane word with asterisks (like s*** or f***). If you encounter any violations of this policy, please report to the correct area for review:
- Report offensive Display Names
- Report offensive language in a listing or otherwise
If you find that any feedback comment; or any communication among the users on the Website or any email or any other electronic communication between users in relation to transactions conducted on the Website contain profanity, please review our feedback removal policy and submit a request for removal or appropriate action to be taken against it. Disciplinary action may result in a formal warning, temporary suspension or the indefinite suspension of a user’s account. Ruhin will evaluate the circumstances of an alleged violation of the policy and the user’s trading records before taking action. Following are the range of actions that can be taken against the violations of this policy:
- Limits placed on account privileges;
- Loss of special status;
- Account suspension.
Governing Laws and Jurisdiction
Each of the parties hereby irrevocably and unconditionally waives any objection, which any party may now or hereafter have, to the laying of improper venue or forum non convenient. Each party agrees that a judgment in any such proceeding or action may be enforced in other jurisdictions by any manner provided by law or suit on the judgment. Any and all service of process and any other notice in any such suit, proceeding or action with respect to this Agreement shall be effective against a party, if given, as provided herein.
Compliance with Laws
Ruhin and Buyer shall comply with all the applicable laws (including without limitation Foreign Exchange Management Act, 1999 and the rules made and notifications issued there under and the Exchange Control Manual as may be issued by Reserve Bank of India (RBI) from time to time, Customs Act, Information and Technology Act, 2000 as amended by the Information Technology (Amendment) Act 2008, Prevention of Money Laundering Act, 2002 and the rules made there under, Foreign Contribution Regulation Act, 1976 and the rules made there under, Income Tax Act, 1961 and the rules made there under, Export Import Policy of government of India) applicable to them respectively for using Payment Facility and Ruhin Website.
Product Description All the Product descriptions and/or any other Product related contents on this Website are as per the specifications, details and content provided by the respective Manufacturers/Vendors for their respective Products and may not be complete, accurate, current, reliable or error- free. Ruhin does not warrant that Product description or any other content of this Website is complete, accurate, current, reliable, or error-free and assumes no responsibility for it. Sale in India Only The goods and services on the Website are presented for the motive of sale in India only. Ruhin makes no presentation that these goods and services are available or appropriate for any country other than India. Those who access the Website or place Orders from Countries other than India, Ruhin is not responsible for these Orders or their Refunds, compliance with their local laws, if and to the extent local laws are applicable. Security Policy Ensuring Safe & Secured Shopping Experience Your online transaction on Ruhin uses the highest level of Transaction Security mechanisms currently available for internet transactions through a leading Payment Gateway using SSL technology to protect your card information being transmitted to your respective Bank for payment processing. Ruhin processes all Card Payments on secured & trusted Payment Gateways managed by leading banks. These days, banks use ‘3D Secure’ password service for online transactions with an additional layer of security through identity verification. Secured Storage of Debit/Credit Card partial information In addition to the Debit Card and Credit Card, Ruhin also accepts payment using Internet Banking (covering majority leading Banks) which also employs Banks’ “3D Secure” password service for online transactions with an additional layer of security through identity verification. Cash-On-Delivery (COD) option may be available later on for Selected Locations (PIN Codes) and this ensures that you pay on receiving the goods. Extra Charges may be applicable for such Orders only. Ruhin accepts Master, VISA, American Express, Maestro Credit/Debit Cards issued in India. We don’t accept internationally issued Credit/Debit Cards for Flyte, Wallet & eGV payments/top-ups. Our Contact In case you need any other information, get in touch with us through: email@example.com Indemnity
Trademark, Copyright and Restriction
This Website is owned, operated, and controlled by Ruhin Education. All material on this Website, including images, audio clips, illustrations, and video clips, are protected by copyrights, trademarks, and all other intellectual property rights of Ruhin Education and its Vendors/Manufacturers.
Material on Website is solely for your personal and non-commercial use. You must not copy, republish, reproduce, upload, transmit, post or distribute such material in any manner, including by email or any other electronic method, whether directly or indirectly and you must not assist any other person to do so.
Without the prior written consent of the owner, modification of the materials, use of the materials on any other website or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other intellectual property rights, and is strictly prohibited.
Any use for which you receive any remuneration whether in money or otherwise is a commercial use for the purposes of this clause.
Ruhin is committed to removing infringing products from the Website. To facilitate this, Ruhin has put in place a Ruhin Infringement Verification process so that intellectual property owners could easily report listings that infringe their rights. It is in the interest of Ruhin to ensure that infringing products are removed from the Website, as they erode the trust of Buyer and Ruhin.
Policy: Ruhin recognizes third party Intellectual Property Rights and actively supports the protection of all third party Intellectual Property (IP) including Copyrights and Trademarks. It is our policy to expeditiously respond to clear notices of alleged IP infringement. If we acquire proper notification of IP infringement, our reply to such notices will include removing or disabling access to material claimed to be the subject of infringing activity. For a detailed term of use of our website, please visit IPR page.
Limitation of Liability
Termination of use
The Agreement will continue to apply until terminated by either you or Ruhin as set forth below
- In case you want to end your agreement with Ruhin, you may do so
- By not accessing the Website; or
- By closing your Account for all of the services that you use, where Ruhin has made this option available to you.
- Ruhin is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful ), or upon request by any law enforcement or other government agencies;
- The provision of the Services to you by Ruhin is, in the opinion of Ruhin, no longer commercially viable;
- Ruhin opts to discontinue, with or without reason, access to the Website, the Services (or any part thereof); or
- In the event Ruhin faces any unexpected technical issues or problems that prevent the Website and/or Services from working.
Ruhin may also terminate or suspend all or a portion of your Account or access to the Services with or without reason. Except as may be set forth in any Additional Terms applicable to a particular Service, termination of your Account may include:
(i) Removal of access to all offerings within the Website or with respect to the Services;
(ii) Disabling access to the Account Information, including Your personal information, log-in ID and password, and all related information, files and materials associated with or inside your Account or any part thereof, and any User Content uploaded by you; and
(iii) Prohibiting further use of the Services.
You agree that all terminations shall be made at the sole discretion of Ruhin and that Ruhin shall not be liable to you or any third party for any termination of your Account and accompanying deletion of your Account information, or your access to the Website and Services.
Notwithstanding the foregoing, such terms of this Agreement as are meant to survive termination/expiry of this Agreement, will survive indefinitely unless and until Ruhin chooses to terminate them. Ruhin may also cancel all your non-fulfilled orders on the Website without any obligation or liability towards you.
Feedback and Information
Any feedback you provide to Ruhin Website shall be deemed to be non-confidential. Ruhin shall use such information on an unrestricted basis. Further, by submitting the feedback, you represent and warrant that:
(i) Ruhin is not under any obligation of confidentiality, express or implied, with respect to the feedback;
(ii) Your feedback does not contain confidential or proprietary information of you or of any of the Third Parties;
(iii) Ruhin may have something similar to the feedback already under consideration or in development; and
(iv) You are not entitled to any compensation or reimbursement of any kind from Ruhin for the feedback under any circumstances.
To clarify, Ruhin may at its discretion, make any modifications or changes to the Website, its Content and/or its Services on the basis of such feedback. However, Ruhin shall not be obliged to do so. Further, in the event that Ruhin makes any changes or modifications to the Website, its Content and/or its Services on the basis of any such feedback, you shall not have any rights or title (including any intellectual property rights) in such changes or modifications to the Website and/or its Content and/or its Services.
You expressly waive any and all rights in such changes or modifications to the Website, its Content and/or its Services, and assign to Ruhin, all worldwide rights and title (including any intellectual property rights) to such changes or modifications to the Website, its Content and/or its Services, in perpetuity. You hereby waive all rights under Section 19(4) of the Indian Copyright Act, 1956, or other similar provisions in law of any jurisdiction, in relation to any such changes or modifications to the Website, its Content and/or its Services.
Email Abuse & Threat Policy
Ruhin does not regulate private communications like email correspondence. We encourage all the users of Ruhin Website to be respectful, professional and courteous while communicating through email or any other electronic method. However, Ruhin reserves all the rights to take necessary action against certain types of unwanted emails that violate Ruhin policies. These emails include:
- Misuse of Ruhin Website: Ruhin permits Users to facilitate transactions through the Ruhin Website. However Ruhin holds all rights to investigate in case of any misuse of this service.
- Threats of Bodily Harm: Ruhin does not authorize its users to send explicit threats of bodily harm to anyone. The necessary actions that can be taken against such threats include: i. Limits on account privileges ii. Loss of special status iii. Cancellation of Listings iv. Temporary/Permanent Account suspension
- Spam (Unsolicited Commercial email): Spam policy of Ruhin prohibits any unsolicited commercial messages sent by Ruhin Users. Ruhin users are not permitted to send spam messages to any other user.
- Spoof (Fake) email: Ruhin will never ask you to provide sensitive information through email or any other electronic method. In case you receive any spoof (fake) email asking for your sensitive information, please immediately report it to Ruhin through the ‘Contact us’.
- Offers to Buy or Sell outside of Ruhin: Ruhin strictly prohibits any email communications that offer to buy or sell listed products outside of the Ruhin Website. Ruhin and Buyers are both at risk of a potential fraud with such offers.
Ruhin does not hold any liability or responsibility for the actions, content, products, and services presented on the Website, which are linked to Affiliates and/or third party websites using Website’s APIs or otherwise. In addition, there may be some links on the Website to the third party websites or affiliated companies and Ruhin holds no responsibility for the authentication and correctness of the services and products represented by these companies. Furthermore, Ruhin assumes no responsibility to evaluate, endorse or warrant the offerings or content of any of these businesses or individuals.
Disputes & Resolutions
Policy Almost all the transactions are completed smoothly on Ruhin. However, there may be some instances where both the Buyers may face some challenges. Ruhin has a Dispute Resolution policy in order to resolve such disputes between the Buyers and Ruhin. A ‘Dispute’ can be defined as a disagreement between a Buyer and Seller regarding a transaction on the Website. Disputes arise out of an issue, which is raised by either party (the Ruhin or the buyer) not being completely satisfied with the resolution of their complaint/issue. However, it is important that the Buyer/Ruhin should attempt to solve the issue before raising a dispute. Whenever there is a disagreement, the Buyer can write to firstname.lastname@example.org, in case of a dispute.
Some of the instances where a dispute can arise include:
- Wrong Item received
- Item Received Not as per the Product Description
- Damaged or Seal broken on Product
- Description/Specification is Wrong
- Part/Accessory missing
- Defective: Functional issues with the Product
- Item not Compatible
- Product not working and Manufacturer claims invalid Invoice.
In case a Buyer raises a dispute, then Ruhin will try to resolve the dispute. If the dispute is resolved in favour of the Buyer, a refund is provided once the product is returned to Ruhin. If the dispute is settled in favour of the Ruhin, Buyer is not entitled to any refund.