Secure Payment Gateway

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, make a payment, or contact us for support. This may include:

• Personal identification information (name, email address, phone number)
• Payment information (processed securely through Razorpay)
• Transaction history and preferences
• Communications you send to us

2. How We Use Your Information

We use the information we collect to:

• Process your payments and transactions
• Send you transaction confirmations and receipts
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities
• Detect, investigate, and prevent fraudulent transactions
• Comply with legal obligations

3. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information. All payment transactions are encrypted using SSL technology and processed through PCI-DSS compliant payment processors.

4. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.

5. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including the right to access, correct, delete, or restrict the processing of your data.

1. Acceptance of Terms

By accessing and using this payment gateway, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Payment Services

We provide a platform for processing payments. All payments are processed through Razorpay, a third-party payment processor. We are not responsible for the actions or inactions of Razorpay.

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Use the service only for lawful purposes
• Not attempt to circumvent any security measures
• Not use the service for fraudulent transactions

4. Fees and Taxes

All payments are subject to applicable taxes (including 18% GST for Indian transactions) and payment processor fees. Currency conversion rates are determined by current market rates and may include a conversion fee.

5. Limitation of Liability

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the service.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the modified terms.

1. Refund Eligibility

Refunds are processed under the following circumstances:

• Duplicate or accidental payments
• Failed services or undelivered goods
• Technical errors in processing
• Cancellation of services within the cancellation period

2. Non-Refundable Items

The following are generally non-refundable:

• Payment gateway processing fees
• Currency conversion fees
• Services already rendered or delivered
• Digital products that have been accessed or downloaded

3. Refund Process

To request a refund:

1. Contact our support team within 7 days of the transaction
2. Provide your transaction ID and reason for refund
3. Allow 5-10 business days for investigation
4. If approved, refunds are processed within 7-14 business days

4. Refund Amount

Refunds will be issued to the original payment method. The amount refunded will be the transaction amount minus any non-refundable fees. GST/Tax refunds are subject to government regulations.

5. Processing Time

Refunds typically take 7-14 business days to appear in your account, depending on your bank or payment method. International refunds may take longer.

6. Dispute Resolution

If you are dissatisfied with our refund decision, you may contact us to escalate the matter. We aim to resolve all disputes fairly and promptly.