Payment Policy

Secure and transparent payment procedures for our palmistry services and products. Your financial security is our priority.

Payment Policy for Palmist Pradyot

Last Updated: April 2024

Introduction

This Payment Policy outlines the payment methods, procedures, and security measures for all services and products offered by Palmist Pradyot. We are committed to providing secure, transparent, and convenient payment options for our clients.

Payment Methods

Accepted Payment Methods

We accept the following payment methods:

  • Cash: Direct cash payments at our consultation center
  • Bank Transfer: Direct bank transfers and NEFT/RTGS
  • UPI Payments: Google Pay, PhonePe, Paytm, and other UPI apps
  • Digital Wallets: Paytm Wallet, Amazon Pay, and other digital wallets
  • Credit/Debit Cards: Visa, Mastercard, RuPay (through secure payment gateways)
  • Online Payment Gateways: Razorpay, PayU, and other secure platforms
  • WhatsApp Payments: Direct payments through WhatsApp Business

Service Payment Procedures

Consultation Services

For all palmistry consultation services:

  • Advance Payment Required: Full payment must be made in advance to confirm booking
  • Booking Confirmation: Appointments are confirmed only upon receipt of payment
  • Payment Timing: Payment must be completed at least 24 hours before the scheduled consultation
  • Rescheduling: No additional charges for rescheduling with 24-hour notice
  • Cancellation: Refunds provided as per our Cancellation/Refund Policy

Online Consultations

Specific procedures for online palmistry consultations:

  • Payment must be completed before the consultation link is shared
  • Payment confirmation email will be sent with consultation details
  • Online consultations require pre-payment through digital methods only
  • International clients may pay through international payment gateways

In-Person Consultations

For consultations at our Pune center:

  • Cash payments accepted at the center before consultation
  • Digital payments preferred for advance booking
  • Payment receipts provided for all transactions
  • Same-day consultation payments possible based on availability

Product Payment Procedures

Energized Products

Payment procedures for all products (bracelets, stones, rings, pendants, etc.):

  • Full Advance Payment: 100% payment required before product preparation
  • Customization Time: Products are energized specifically for each buyer
  • Payment Confirmation: Order processing begins only after payment confirmation
  • Shipping Timeline: Estimated delivery time provided after payment
  • Tracking Information: Tracking details shared once shipped

Vaastu and Large Products

Special procedures for vaastu remedies and larger products:

  • May require partial advance payment for customization
  • Final payment before shipping
  • Installation charges may apply (separate from product cost)
  • Consultation included for vaastu products

Payment Security

Security Measures

We implement robust security measures to protect your payment information:

  • SSL Encryption: All online transactions are secured with SSL encryption
  • Secure Payment Gateways: We use trusted and certified payment gateways
  • Data Protection: Payment data is stored securely and encrypted
  • PCI Compliance: We comply with Payment Card Industry Data Security Standards
  • Fraud Detection: Advanced fraud detection systems monitor transactions

Privacy Protection

  • Payment details are never shared with third parties without consent
  • Financial information is stored separately from personal data
  • Regular security audits ensure ongoing protection
  • Staff are trained on data security and confidentiality

Pricing and Fees

Service Pricing

  • All prices are quoted in Indian Rupees (INR)
  • International payments may incur currency conversion charges
  • Prices are subject to change without prior notice
  • Confirmed bookings will be honored at the quoted price
  • Special offers and discounts may be available from time to time

Additional Charges

  • Shipping Charges: Applicable for product deliveries (varies by location)
  • Processing Fees: May apply for certain payment methods
  • International Charges: Additional fees for international transactions
  • Express Delivery: Additional charges for expedited shipping

Payment Confirmation

Receipts and Invoices

We provide comprehensive payment documentation:

  • Digital Receipts: Sent automatically via email for all digital payments
  • Physical Receipts: Provided for cash payments at our center
  • Tax Invoices: Available for business clients upon request
  • Payment History: Clients can request payment history records

Confirmation Process

  • Payment confirmation sent within 24 hours of receipt
  • Booking details included in confirmation email
  • WhatsApp confirmation for urgent bookings
  • Payment reference numbers provided for all transactions

Failed Payments

Payment Declines

In case of payment failures:

  • Client will be notified immediately of payment failure
  • Alternative payment methods will be suggested
  • Booking will remain tentative until payment is successful
  • Multiple failed payment attempts may require manual verification

Refunds for Failed Payments

  • If payment is deducted but not received, refunds processed within 7-10 business days
  • Bank processing times may vary for refunds
  • Client must provide transaction details for refund processing
  • Bank charges for refunds may be deducted from refund amount

International Payments

Currency Conversion

  • International payments accepted in major currencies
  • Conversion rates based on current market rates
  • Currency conversion charges may apply
  • Final amount in INR will be calculated at time of payment

International Payment Methods

  • Credit/Debit cards (Visa, Mastercard)
  • International bank transfers (SWIFT)
  • PayPal (where available)
  • International payment gateways

Payment Disputes

Dispute Resolution

In case of payment disputes:

  • Contact us immediately with payment details
  • Provide transaction reference numbers
  • We will investigate within 3-5 business days
  • Resolution will be communicated promptly

Chargebacks

  • Chargebacks should be last resort after direct communication
  • Valid chargebacks will be processed as per payment gateway policies
  • Frivolous chargebacks may be contested
  • Evidence of service delivery will be provided when required

Payment Records

Record Keeping

  • All payment records maintained for 7 years as required by law
  • Secure storage of payment documentation
  • Clients can request copies of their payment records
  • Records provided for tax and accounting purposes

Policy Updates

We may update this payment policy from time to time to reflect changes in our procedures or applicable regulations. Changes will be posted on our website and will be effective immediately.

Contact Information

For payment-related queries or issues, please contact:

  • Email: contact@pradyotpp.com
  • Phone: (+91)-705-793-1115
  • WhatsApp: (+91)-705-793-1115
  • Address: Pune, India

Payment Guidelines Summary

  • Advance payment required for all services
  • Multiple secure payment methods available
  • Full payment required before product preparation
  • Payment confirmation provided for all transactions
  • Refunds processed as per Cancellation/Refund Policy
  • International payments accepted with applicable charges

Policy Acknowledgment

By making a payment for our services or products, you acknowledge that you have read, understood, and agree to this Payment Policy.