Return & Refund Policy

1. Scope

This policy applies to online payments made to Habib Rafiq (Pvt.) Ltd. through hrlhousing.com for housing-related services, including booking or reservation amounts, application and processing charges, installments, documentation charges, and other amounts shown at checkout.

Because these are property-related services, there is no physical product to return. A payment gateway receipt records a payment only; it does not by itself create ownership, allotment, or title in any property.

2. When a Refund May Be Approved

A refund may be approved where:

• The same transaction was charged more than once.
• The amount charged differs from the amount authorized at checkout.
• Payment was captured, but HRL Housing cannot accept or provide the requested service.
• A refund is required by applicable law.
• A refund is otherwise permitted by the signed booking form, application, allotment terms, or payment plan that applies to the transaction.

3. Non-Refundable or Restricted Payments

Booking, token, reservation, processing, documentation, late-payment, tax, government, and third-party charges may be non-refundable after a booking or allocation is confirmed or after the related work or cost has been incurred. Any such restriction will be governed by the applicable signed documents and disclosed terms.

A change of mind does not automatically entitle a customer to a refund. If this website, a checkout summary, and a signed document differ, the signed booking, application, allotment, or payment-plan terms will apply to the extent permitted by law.

4. How to Request a Refund

Report a duplicate, incorrect, or failed-service payment as soon as possible, preferably within 7 calendar days of the transaction. Email info@hrlhousing.com or visit our Multan office and provide:

• Your full name and contact number.
• The payment date, amount, and transaction or gateway reference.
• The relevant project, booking, application, file, or customer reference.
• The reason for the request and any supporting payment evidence.

We normally acknowledge a complete request within 2 business days and aim to communicate a decision within 7 business days after receiving all required information.

5. Approved Refunds

Approved refunds are returned to the original payment method wherever possible. HRL Housing normally initiates an approved refund within 10 to 15 business days. Your bank, card issuer, wallet, or payment service provider may require additional time to post the credit. We may request identity or account verification before processing a refund to protect customers against fraud.

6. Contact for Refunds

Habib Rafiq (Pvt.) Ltd. — HRL Housing
House No. 253-D, Northern Bypass, Near Nigana Chowk, Multan, Pakistan
Email: info@hrlhousing.com
Phone: +92-31-111-444-32 or +92-31-134-111-69

Also review our Terms & Conditions and Shipping & Service Delivery Policy.