[{'role': 'user', 'content': "Analyze the following clause from a privacy policy and determine if it's fair or unfair. Also identify any privacy practices mentioned: For electronics payments, refund shall be made through payment facility using NEFT / RTGS or any other online banking / electronic funds transfer system approved by Reserve Bank India (RBI)."}, {'role': 'assistant', 'content': 'This clause is fair. The privacy practices mentioned are: nan.'}]