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Payment Terms of Use

By placing an order on Anugraha and using any available payment method, you agree to the following Payment Terms of Use.

1. Accepted Payment Methods

Anugraha currently accepts the following payment methods:

  • Razorpay (Online Payments)

  • Cash on Delivery (COD)

Additional payment methods may be introduced or removed at Anugraha's discretion.

2. Online Payments (Razorpay)

When making payments through Razorpay:

  • You must provide accurate and valid payment information.

  • You represent and warrant that you are authorized to use the selected payment method.

  • Payments are subject to authorization and verification by your bank, card issuer, UPI provider, or payment service provider.

  • Anugraha is not responsible for payment failures caused by banking systems, payment gateways, internet connectivity issues, or insufficient funds.

Orders will be processed only after successful payment confirmation.

3. Cash on Delivery (COD)

For orders placed using Cash on Delivery:

  • Payment must be made in full at the time of delivery.

  • Customers are responsible for ensuring payment availability when the order arrives.

  • Repeated refusal of COD orders may result in restrictions on future COD purchases.

  • COD availability may vary based on delivery location, order value, or product category.

4. Pricing and Taxes

  • All prices displayed on the Platform are in Indian Rupees (₹).

  • Applicable taxes, fees, and delivery charges will be displayed during checkout.

  • Customers are responsible for reviewing the final order amount before confirming payment.

5. Failed Transactions

If a transaction fails:

  • The order may not be confirmed until successful payment is received.

  • Any amount debited due to a failed transaction will be handled according to the policies of the payment gateway, bank, or financial institution involved.

  • Customers should contact their bank or payment provider for transaction-related issues where applicable.

6. Refunds

Refunds for eligible orders will be processed according to Anugraha's Return & Refund Policy.

  • Online payment refunds will be credited to the original payment method.

  • COD refunds may be processed through bank transfer, UPI, or store credit, as applicable.

  • Refund processing times may vary depending on the payment provider or banking institution.

7. Fraud Prevention

To protect customers and the Platform:

  • Anugraha reserves the right to verify payment information.

  • Orders suspected of fraud, unauthorized transactions, or misuse may be cancelled or placed on hold for verification.

  • Users may be required to provide additional information to validate a transaction.

8. Limitation of Liability

Anugraha shall not be liable for:

  • Payment gateway outages or technical failures.

  • Banking network interruptions.

  • Delays caused by third-party payment service providers.

  • Unauthorized access resulting from customer negligence in protecting account credentials.

9. Modification of Payment Terms

Anugraha reserves the right to modify these Payment Terms of Use at any time. Updated terms will be posted on the Platform and will become effective upon publication.

10. Contact Us

For payment-related questions, transaction issues, or refund inquiries, please contact our customer support team through the contact details available on the Anugraha Platform.

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