This Payment Policy governs the payment terms and conditions for accessing certain premium features, services, or products ('Paid Services') offered on Sanatanjyoti.com (‘the 'Service') operated by Gauritechtrade Consulting Private Limited.

1. Payment Terms
   1. Payment Method: Payment for Paid Services may be made through accepted methods such as credit card, debit card, UPI, or any other payment method specified on the Service.
   2. Currency: All prices and payments are in INR (Indian Rupee) unless otherwise specified.
   3. Payment Authorization: By providing payment information, you authorize us to charge the designated payment method for the total amount due for the Paid Services purchased.
2. Pricing and Billing
   1. Pricing: The prices for Paid Services are displayed on the Service and are subject to change at any time without prior notice. Any changes to pricing will not affect the price of Paid Services already purchased.
   2. Billing Cycle: For subscription-based Paid Services, you will be billed on a recurring basis according to the billing cycle selected at the time of purchase (e.g., monthly, annually). Your subscription will automatically renew unless cancelled before the end of the current billing cycle.
   3. Taxes: Prices for Paid Services do not include applicable taxes, which may be added to the total amount due based on your location and the applicable tax laws.
3. Payment Gateway
   Integrating Payment Gateway is committed to protecting the privacy of personal information. This Privacy Policy outlines how we handle data in relation to access and use of our website. The term 'user' in this context may refer to merchants, sellers, billers, customers, buyers, consumers, or anyone else utilizing our Services. This policy is intended to clarify our approach to collecting, managing, and using your personal data. By accessing our Services through the website or mobile application, you acknowledge and accept the terms of this Privacy Policy and agree to the processing of your personal and sensitive information. If you do not agree with these terms, please refrain from using our Services or installing the app.
4. Refunds and Cancellations
   1. Refund Policy: Except as required by law, all payments for Paid Services are non-refundable, and no refunds will be provided for any unused portion of Paid Services.
   2. Cancellation: You may cancel your subscription to Paid Services at any time. Cancellation will take effect at the end of the current billing cycle, and you will retain access to the Paid Services until the end of the current billing period
   3. Payment Failure: In case of failed payment, you will get refund with 48 hours. You can always connect with our customer care for assistance.
5. Subscription Management
   1. Account Access: You may manage your subscription and payment settings by accessing your account on the Service
   2. Changes to Subscription: Changes to your subscription plan, including upgrades, downgrades, or changes to billing cycle, may be made through your account settings.
6. Payment Security
   1. Secure Transactions: We use industry-standard encryption and security measures to protect your payment information. However, we cannot guarantee the security of information transmitted over the internet or stored on our servers.
   2. Third-Party Payment Processors: Payment transactions may be processed through third-party payment processors. Your payment information is subject to the terms and privacy policies of these third-party processors.
7. Contact Us: If you have any questions or concerns about our Payment Policy, please contact us at care@gauritechtrade.com.
8. Non-Personal Identifiable Information
   This type of information refers to data that does not directly identify an individual. It is collected automatically when users browse the website, often through tools such as cookies. Examples include:
   1. The web address (URL) of the site visited before or after this website.
   2. The user's IP address, internet service provider, or telecom provider.
   3. The type of browser used to access the website.
   4. The user's general location.
   5. This information is used to help manage the website, fix technical issues, analyze user trends, understand visitor behavior, and support legal requirements. It also helps track things like how often the site is visited, how long users stay, and which pages are viewed.
   6. The data may be shared with trusted third-party service providers and advertisers. This helps us evaluate how well our content, advertisements, and services are performing, and to improve the overall user experience.
   7. Users confirm that all information they provide to the website is true, accurate, and current. The website and its partners are not responsible for verifying the information. Users will be held accountable for any false or outdated information they provide and agree to cover any damages caused by such actions.
   8. By purchasing Paid Services on the Service, you acknowledge that you have read, understood, and agree to be bound by these Payment Terms & Conditions.
9. Information Security and Data Sharing
   Protecting your information is a top priority for our company. To ensure the security of your data during transmission, we use Secure Sockets Layer (SSL) encryption technology. All collected information is stored on secure systems protected by advanced security measures designed to prevent unauthorized access. We strongly recommend that you safeguard your login credentials and personal devices to avoid any unauthorized use. Always keep your password confidential and avoid sharing it with others.
   1. We implement reasonable security practices to protect the personal information you share with us. This information is not shared with any external parties unless it is necessary for providing services—such as transactions involving banks, payment networks, or card companies. In specific cases, your information may be shared with trusted partners or affiliates for purposes like fraud detection, risk management, service improvements, or relevant product recommendations, but only under secure and legally bound conditions.
   2. Additionally, your data may be disclosed if required by law, legal processes, or requests from regulatory authorities or law enforcement—for example, in relation to cybersecurity incidents, legal investigations, or criminal proceedings.
   3. You agree that Integrating Payment Gateway may monitor and share your information when required to comply with regulations or official requests. If needed to deliver our services, we may also transfer your data—within or outside India—to authorized entities under secure and lawful arrangements.
   4. We are committed to using your information solely under this Privacy Policy. If we intend to use your data for any other reason, we will first seek your consent. However, if you choose not to share certain required information, we may be unable to provide you with the requested services.