Payment Policy

This Payment Policy ("Policy") explains the payment terms applicable to paid services, purchases, consultations, wallet transactions, and other paid features available through the Sanatan Jyoti website and mobile applications, including Android and iOS applications (collectively, the "Service"), operated by Gauritechtrade Consulting Private Limited ("Sanatan Jyoti", "Company", "we", "us", or "our").

By making a payment, purchasing a service, or using a paid feature of the Service, you acknowledge that you have read, understood, and agreed to this Payment Policy and any applicable service-specific terms.

1. Scope of Paid Services

Sanatan Jyoti may offer paid services and features including, but not limited to:

Astrology and Kundli consultations
Muhurat consultations
Numerology consultations
Tarot consultations
Audio consultations
Video consultations
Chat consultations
Kundli or other digital reports
Wallet recharge and wallet-based purchases
Other paid services or features introduced through the Service

The terms applicable to a particular service may also be governed by the relevant service-specific policy.

2. Accepted Payment Methods

Payments may be made through payment methods made available on the Service, which may include:

Credit cards
Debit cards
UPI
Net banking
Wallet balance, where available
Other payment methods supported by authorised payment service providers

The availability of a particular payment method may vary depending on the Service, device, payment provider, transaction amount, or other operational factors.

3. Currency

Unless otherwise stated, all prices, payments, wallet balances, and transactions through Sanatan Jyoti are denominated in Indian Rupees (INR).

4. Pricing

The applicable price for a service or product will be the price displayed on the Service at the time of purchase.

Prices may change from time to time. Any change in pricing will not ordinarily affect an order that has already been successfully completed at the previously displayed price.

Promotional offers, discounts, coupons, introductory pricing, and other special offers may be subject to separate terms and validity periods.

5. Taxes

Applicable taxes, including GST where applicable, will be charged or included as indicated at the time of purchase.

The final amount payable will be displayed before the transaction is completed, wherever reasonably applicable.

Tax treatment may vary depending on the nature of the service, transaction, and applicable law.

6. Payment Authorisation

By initiating a payment, you authorise the applicable payment service provider to process the transaction for the amount displayed at the time of purchase.

You are responsible for ensuring that the payment information provided by you is accurate and that you are authorised to use the selected payment method.

Sanatan Jyoti may decline, cancel, or place a transaction under review where reasonably necessary for security, fraud prevention, technical, compliance, or operational reasons.

7. Payment Confirmation

A payment will be considered successfully completed when the transaction is confirmed through the Sanatan Jyoti Service or the relevant payment service provider.

Depending on the transaction, you may receive:

Payment confirmation
Order or booking confirmation
Transaction reference
Invoice or receipt, where applicable

A payment showing as pending, processing, or failed should not be treated as a completed purchase until the transaction is successfully confirmed.

8. Failed, Pending, or Reversed Payments

8.1 Failed Payment

If a payment fails and no amount is successfully received by Sanatan Jyoti, no service will ordinarily be activated against that failed transaction.

8.2 Amount Debited but Service Not Activated

If your bank or payment provider shows that an amount has been debited but the transaction is not successfully completed on Sanatan Jyoti, the transaction may require reconciliation with the relevant payment provider.

Any applicable reversal or refund will be processed in accordance with the payment provider's applicable process and applicable law.

8.3 Pending Payment

Where a transaction remains pending, users should not repeatedly make additional payments for the same order until the status is reasonably confirmed, where possible.

8.4 Reversed or Cancelled Transactions

If a payment is subsequently reversed, cancelled, or identified as unsuccessful, Sanatan Jyoti may reverse the corresponding service activation, wallet credit, or transaction entry where applicable.

9. Customer Wallet

Sanatan Jyoti may provide a Wallet feature that allows eligible users to maintain a balance for use towards supported services available through the Service.

9.1 Wallet Recharge

Where Wallet recharge is available, users may add funds using the payment methods supported by Sanatan Jyoti.

A successful recharge may be reflected in the user's Wallet balance after confirmation of the transaction.

9.2 Wallet Balance

The Wallet balance and applicable transaction history may be displayed within the user's account or application.

Wallet transactions may include:

Amount added
Amount deducted
Transaction reference
Date and time
Transaction status
Refund or reversal, where applicable
Service against which the Wallet balance was used

9.3 Use of Wallet Balance

Where supported, Wallet balance may be used to purchase eligible Sanatan Jyoti services.

The amount applicable to a completed purchase may be deducted from the available Wallet balance.

9.4 Wallet Transactions

Wallet transactions may be subject to verification, reconciliation, fraud-prevention checks, refunds, reversals, or other adjustments where reasonably necessary.

9.5 Wallet Restrictions

Wallet functionality is subject to the features made available through the Service.

Unless expressly enabled by Sanatan Jyoti and permitted under applicable law, Wallet balances may not be:

Transferred to another user
Used outside the Sanatan Jyoti Service
Exchanged for cash
Converted into another currency

Any additional Wallet functionality, including withdrawal, transfer, expiry, or other restrictions, will be governed by the applicable Wallet terms communicated through the Service.

10. Wallet Refunds and Reversals

Where a refund or reversal is approved for a purchase made using Wallet balance, the applicable amount may be credited back to the Wallet or processed through another permitted refund method, depending on the nature of the transaction and applicable policy.

Where a Wallet recharge itself is subject to refund or reversal, the applicable amount will be handled in accordance with the relevant refund process, payment provider procedures, and applicable law.

Service-specific refund rules may apply to Astrology, Muhurat, Numerology, Tarot, Audio, Video, Chat, and other services.

11. Cancellation and Refunds

Payment for a service does not automatically create a right to cancellation or refund.

Refunds and cancellations are governed by:

The applicable service-specific policy
The applicable Refund and Cancellation terms
The nature and status of the service
Applicable law

For example, a completed digital service or substantially delivered consultation may ordinarily be non-refundable, while a service that was not delivered due to a verified platform or service issue may be eligible for an appropriate resolution.

Dissatisfaction with an astrological, numerological, tarot, or other consultation prediction or interpretation does not by itself guarantee a refund.

12. Rescheduling and Changes

Certain services may allow rescheduling or changes subject to availability and the applicable service-specific policy.

Payment does not automatically guarantee that a requested date, time, Acharya Ji, consultant, or service slot can subsequently be changed.

Any rescheduling or change request will be handled according to the applicable service terms.

13. Duplicate Payments

If you believe that you have been charged more than once for the same transaction, please contact Sanatan Jyoti with the relevant transaction details.

After verification, an eligible duplicate amount may be refunded or otherwise adjusted through the applicable payment process.

14. Unauthorised Transactions

If you believe that a payment or Wallet transaction was made without your authorisation, you should contact Sanatan Jyoti as soon as possible and also notify the relevant bank or payment service provider where appropriate.

You may be asked to provide:

Transaction reference
Date and time
Amount
Relevant account details
Other information reasonably necessary to investigate the transaction

Sanatan Jyoti may temporarily restrict relevant account or Wallet functionality while an unauthorised transaction is investigated where reasonably necessary for security.

The handling of unauthorised transactions will also be subject to applicable payment provider procedures and applicable law.

15. Chargebacks and Payment Disputes

If a payment is disputed through a bank, card issuer, payment service provider, or other financial institution, the related transaction may be reviewed.

A chargeback, reversal, or payment dispute may result in:

Reversal of the relevant transaction
Adjustment of Wallet balance where applicable
Temporary restriction of related services
Review of the user account
Recovery or adjustment of amounts where permitted by applicable law

Users are encouraged to contact Sanatan Jyoti first where a transaction issue can be resolved through the Company's support process.

16. Payment Security

Sanatan Jyoti uses reasonable technical and organisational measures to protect payment-related information and transaction processes.

Payments may be processed through authorised third-party payment service providers.

Payment information may be subject to the security practices, terms, and privacy policies of the relevant payment service provider.

No internet transmission or electronic storage system can be guaranteed to be completely secure.

17. Third-Party Payment Providers

Payment transactions may be processed by third-party payment service providers.

Depending on the payment method, such providers may process information necessary to complete and verify the transaction.

Users should review the applicable terms and privacy policies of the relevant payment provider where appropriate.

Sanatan Jyoti is not responsible for matters arising solely from the independent systems, policies, or services of a third-party payment provider, except to the extent required by applicable law.

18. Transaction Records

Sanatan Jyoti may maintain records of payments and related transactions for purposes including:

Order processing
Wallet management
Payment reconciliation
Refund processing
Accounting
Customer support
Fraud prevention
Dispute resolution
Security
Legal and regulatory compliance

Transaction records may include payment status, transaction reference, amount, date, service purchased, refund or reversal information, and other information reasonably required for these purposes.

19. Service-Specific Policies

The payment terms in this Policy apply generally to paid transactions.

Additional terms may apply to specific services, including:

Astrology Consultation Policy
Muhurat Consultation Policy
Numerology Policy
Tarot Policy
Wallet Terms, where applicable
Refund and Cancellation Policy
Other service-specific terms published by Sanatan Jyoti

Where a service-specific policy provides more specific rules regarding cancellation, refund, rescheduling, or service delivery, those specific rules will apply to that service.

20. Promotional Offers and Discounts

Sanatan Jyoti may provide promotional offers, coupons, discounts, credits, or other pricing benefits.

Such offers may:

Have a defined validity period
Be limited to selected services
Be limited to one use per user
Not be combined with other offers
Be subject to minimum transaction requirements
Be subject to other conditions displayed at the time of the offer

Sanatan Jyoti reserves the right to withdraw or modify promotional offers in accordance with the applicable offer terms.

21. Account and Payment Information

Users are responsible for maintaining accurate account and contact information.

Sanatan Jyoti may use transaction-related information to:

Process payments
Confirm purchases
Manage Wallet transactions
Provide customer support
Process refunds
Detect fraud
Maintain transaction records
Comply with applicable legal requirements

The collection and processing of personal information associated with payments is governed by the Sanatan Jyoti Privacy Policy.

22. Payment Fraud and Security Controls

Sanatan Jyoti may implement reasonable security and fraud-prevention measures.

A transaction or account may be temporarily placed under review where there are reasonable indications of:

Fraudulent activity
Unauthorised use
Payment abuse
Multiple suspicious transactions
Chargeback abuse
Account misuse
Other security concerns

Where necessary, Sanatan Jyoti may delay, restrict, reverse, or decline a transaction or service activation, subject to applicable law.

23. Errors and Corrections

Sanatan Jyoti may correct genuine errors relating to:

Pricing
Transaction records
Wallet balance
Payment status
Refunds
Promotional discounts

If an error results in an incorrect Wallet credit or service benefit, Sanatan Jyoti may correct the relevant transaction after appropriate verification.

Where a correction affects the user, reasonable information may be provided where appropriate.

24. No Responsibility for User-Provided Payment Credentials

Users are responsible for protecting their own payment and authentication credentials.

Users must never share:

OTPs
UPI PINs
Card PINs
Banking passwords
Account passwords
Authentication codes

with any Acharya Ji, consultant, customer-support representative, or other person.

Sanatan Jyoti will not ask users to disclose such confidential credentials through a consultation or customer-support interaction.

25. Contact for Payment Issues

For payment, transaction, refund, Wallet, or billing-related concerns, contact:

Gauritechtrade Consulting Private Limited
Email: care@gauritechtrade.com

When contacting support, users should provide relevant details such as:

Transaction reference
Order ID
Date of transaction
Amount
Service purchased
Description of the issue

Users should not send passwords, OTPs, UPI PINs, card PINs, or other confidential authentication credentials in support requests.

26. Policy Updates

Sanatan Jyoti may update this Payment Policy from time to time to reflect:

Changes in payment methods
New services
Wallet functionality
Changes in technology
Changes in payment providers
Changes in operational practices
Changes in applicable laws or regulations

The updated version will be published through the relevant Sanatan Jyoti website or application.

The Last Updated date at the beginning of this Policy indicates when it was most recently revised.

27. Acceptance of Payment Terms

By making a payment, recharging or using the Wallet where available, purchasing a paid service, or otherwise using a paid feature of Sanatan Jyoti, you acknowledge that you have read, understood, and agreed to this Payment Policy and any applicable service-specific terms.