Refund & Payment Policy

TECHNOTALIM PLATFORM AND SERVICES LLP

Last updated: November 27, 2025

3.1. Quick Summary

This Refund & Payment Policy delineates TECHNOTALIM PLATFORM AND SERVICES LLP's ("we," "us," or "our") standardized protocols for processing payments, evaluating refund claims, and resolving billing discrepancies, ensuring transparency, security, and compliance with RBI guidelines and PCI-DSS standards to safeguard user interests.

3.2. Payment Methods & Gateway

3.2.1. Accepted Payment Methods

We facilitate seamless transactions via major channels, including Visa/Mastercard Credit/Debit Cards for global accessibility, Net Banking integrations with leading Indian banks (e.g., HDFC, SBI), UPI apps (e.g., Google Pay, PhonePe) for instant transfers, and digital wallets (e.g., Paytm, Amazon Pay); additional methods like international wire transfers may be offered for enterprise plans, subject to availability.

3.2.2. Payment Gateway

All transactions route through Razorpay, our PCI-DSS Level 1 certified processor, guaranteeing end-to-end encryption and fraud detection; we eschew direct storage of sensitive card details on our servers, delegating such to Razorpay's tokenized vaults for enhanced compliance and risk isolation.

3.2.3. Payment Security

Transactions employ 256-bit SSL/TLS encryption to protect data in transit, with tokenization substituting raw details for recurring billing to minimize exposure; our secure flow incorporates 3D Secure authentication (e.g., Verified by Visa) and real-time anomaly monitoring to deter unauthorized activities.

3.3. Failed/Duplicate Transaction Handling

3.3.1. Failed Transactions

Automated retries occur up to three times at 5-minute intervals for transient failures (e.g., network glitches); users receive instant email/SMS alerts with error codes and troubleshooting tips, alongside options for manual reattempts or alternative methods via the billing dashboard.

3.3.2. Duplicate Transactions

Razorpay's idempotency keys detect and flag duplicates in real-time; confirmed cases trigger automatic reversals without user intervention, with full refunds credited within 5-7 working days, accompanied by transaction logs for verification.

3.3.3. Refund Method

Refunds default to the original payment instrument to expedite processing and trace funds; exceptions apply for obsolete cards (e.g., via bank transfers or wallet credits), with mandatory user notifications via email detailing amount, date, and expected credit timeline.

3.4. Subscription Cancellation & Prorated Refunds

3.4.1. Cancellation Process

Initiate via the Account settings portal or email to billing@technotalim.com, requiring authentication (e.g., OTP); cancellations take effect at the billing cycle's end, preserving access until expiry, after which dormant Accounts enter a 30-day grace period for reactivation.

3.4.2. Prorated Refunds

Eligible for mid-cycle terminations on monthly plans (annuals excluded), computed as (remaining days / total cycle) × fee, minus taxes; processing initiates within 48 hours, crediting in 5-7 days, with itemized breakdowns furnished upon request.

3.4.3. Non-Refundable Items

Irrevocable elements include one-time setup fees (e.g., migration assistance), bespoke development (e.g., custom scripts), domain registrations (per ICANN rules), and add-ons like SSL certificates post-issuance, as these incur non-recoverable third-party costs.

3.5. Dispute & Escalation Process

3.5.1. Initial Dispute Resolution

Direct inquiries to disputes@technotalim.com with Account ID, transaction reference, and supporting evidence (e.g., screenshots); our team acknowledges within 24 hours, initiating internal reviews with provisional resolutions targeted at 72 hours.

3.5.2. Escalation Process

Unresolved matters after initial assessment escalate to senior billing specialists upon user request; procedures involve detailed audits and stakeholder consultations, aiming for closure in 7-10 working days, with progress updates every 48 hours.

3.5.3. Payment Gateway Disputes

For chargebacks, we furnish Razorpay with comprehensive defenses (e.g., order proofs, IP logs); users must supply dispute rationale and evidence; responses occur within 10 days, with win rates tracked for process refinement.

3.5.4. Bank/Regulatory Escalation

Involve issuing banks post our internal exhaustion; for systemic issues, leverage RBI's Integrated Ombudsman Scheme within 30 days of transaction; escalations beyond 45 days may forfeit claims, emphasizing timely documentation.

3.6. Contact for Billing Issues

3.6.1. Billing Support

Reach us at billing@technotalim.com for queries, self-service FAQs and a 24/7 ticket portal supplement live assistance.

3.6.2. Required Information

Submissions should include your Account email/ID, transaction ID/date/amount, and a concise issue description (e.g., "Overcharge on INV-123"), expediting triage and minimizing follow-ups.

3.6.3. Response Times

Expect initial acknowledgments in 24 hours, standard resolutions in 5-7 working days via email/ticket updates; intricate cases (e.g., cross-border disputes) extend to 15 days, with interim escalations if delays arise.