Last Updated: 19th February 2026
1. Overview
Haroct Technologies Singapore Pte. Ltd. (“Haroct”) operates a B2B digital marketplace facilitating the trade of perishable food and agricultural products.
Due to the intrinsic and perishable nature of Products:
By placing an order on the platform, Users acknowledge and agree to this Refund & Return Policy.
2. No Return Policy
2.1 All Products sold via Haroct are non-returnable unless expressly authorised in writing by Haroct.
2.2 For food safety, hygiene, and regulatory compliance reasons, Buyers must not return Products without prior written approval.
2.3 Any unauthorised return shipment shall not entitle the Buyer to a refund and may be rejected.
3. Eligibility for Refund
Refund requests may be considered only in the following circumstances:
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(a) Confirmed non-delivery of Product;
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(b) Product materially different from the listing description;
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(c) Product severely damaged at the time of delivery;
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(d) Verified fraudulent or unauthorised transaction;
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(e) Mutual written agreement between Buyer and Seller acknowledged by Haroct.
Refunds will not be granted for:
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Change of mind
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Market price fluctuations
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Minor variations inherent to fresh produce
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Improper storage or handling after delivery
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Delays caused by customs clearance, inspections, or regulatory authorities
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Force majeure events
4. Inspection & Evidence Requirements
4.1 Buyers must inspect Products immediately upon delivery.
4.2 Claims must be submitted via the Haroct platform within 24 hours of delivery.
4.3 Claims must include:
Failure to report within the required timeframe constitutes deemed acceptance of the Product.
5. Review & Determination
5.1 Haroct reviews refund applications on a case-by-case basis.
5.2 Haroct may request additional evidence from either Buyer or Seller.
5.3 Haroct’s decision shall be made in good faith and shall be final and binding.
6. Payment Processing & Gateway Dispute Policy
6.1 Third-Party Payment Processing
All payments on the Haroct platform are processed through licensed third-party payment service providers.
Haroct does not directly hold cardholder data and does not control banking or card network procedures.
6.2 Platform Dispute Requirement
Before initiating any chargeback, bank dispute, or payment reversal, Buyers must:
Failure to use the platform dispute process prior to initiating a chargeback may be treated as a breach of platform terms.
6.3 Chargebacks & Payment Reversals
In the event a Buyer initiates:
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Card chargeback
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Bank reversal
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Payment dispute
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Fraud claim
Haroct reserves the right to:
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(a) Temporarily suspend the Buyer’s account;
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(b) Restrict further transactions;
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(c) Submit transaction evidence to contest the dispute;
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(d) Withhold settlement to Seller pending resolution;
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(e) Recover administrative costs, gateway dispute fees, and associated expenses where permitted by law.
6.4 Evidence Submission to Payment Providers
Haroct may submit the following as part of dispute defence:
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Order confirmation records
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Delivery confirmation records
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IP address logs
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Account login history
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Communication logs
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KYC documentation
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Acceptance of Terms records
Users consent to such disclosure for dispute resolution purposes.
6.5 Fraudulent or Abuse-Based Chargebacks
If a chargeback is determined to be:
Haroct may:
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Permanently terminate the User’s account;
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Ban the User from future access;
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Report the activity to relevant financial institutions where appropriate.
6.6 Settlement Holds
Where a chargeback or payment dispute is initiated:
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Haroct may withhold corresponding settlement amounts from the Seller;
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Funds may be held until final resolution by the financial institution;
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Haroct shall not be liable for delays caused by external financial institutions.
6.7 Refund Processing Timeline
Approved refunds are subject to:
Haroct does not guarantee immediate refund crediting.
7. Seller Responsibilities
7.1 Sellers agree to comply with approved refund determinations.
7.2 Haroct may deduct approved refund amounts from Seller balances.
7.3 Sellers may provide evidence to contest refund claims within the specified review window.
8. Risk Transfer
8.1 Risk transfers to the Buyer upon delivery at the agreed location.
8.2 Buyers are responsible for storage, handling, and temperature control after delivery.
8.3 Spoilage after risk transfer is not eligible for refund.
9. Cancellation Policy
Buyer Cancellation
Orders cannot be cancelled once accepted by the Seller unless mutually agreed.
Seller Cancellation
Unjustified cancellation by Seller may result in penalties or account suspension.
10. Cross-Border Transactions
For cross-border transactions:
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Customs inspections, regulatory checks, or border delays do not automatically qualify for refund.
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Buyers acknowledge inherent risks in international perishable trade.
11. Limitation of Liability
To the fullest extent permitted by Singapore law:
Haroct acts solely as a marketplace facilitator.
Haroct shall not be liable for indirect, incidental, or consequential losses.
Haroct’s liability shall not exceed the platform service fees received for the disputed transaction.