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Payment & Transaction Policy

Effective Date: 16 April 2025
Website: www.kamaldnp.in

At KAMALDNP, we aim to offer a secure, transparent, and smooth payment experience to all our users. This Payment & Transaction Policy outlines how transactions are processed on our platform, what payment methods we accept, and your responsibilities as a customer.

✅ Accepted Payment Methods

We support multiple secure payment methods for your convenience:

  • 🏦 Net Banking (All major Indian banks)

  • 💳 Credit & Debit Cards (Visa, MasterCard, RuPay, etc.)

  • 📲 UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)

  • 🧾 Wallets & Pay Later (where available)

  • 🪙 Direct Bank Transfer (on special request)

🔐 All online transactions are processed via secure and encrypted payment gateways compliant with RBI regulations.

🔄 Payment Confirmation

  • Once your payment is successfully processed, you will receive an email and/or SMS confirmation.

  • For digital products and courses, access is granted immediately or within a few minutes.

  • For physical products, a confirmation and tracking link will be sent once the item is shipped.

📦 Transaction Security

We follow industry-standard security protocols:

  • SSL encryption for secure transactions

  • No sensitive card or UPI data is stored on our servers

  • Payment gateways are PCI-DSS certified

⚠️ Please do not share your OTP, UPI PIN, or banking passwords with anyone. KAMALDNP will never ask for this information.

📋 Billing Information

  • Users must provide accurate billing details including full name, address, and contact information.

  • KAMALDNP reserves the right to cancel or delay orders if payment details appear suspicious or incomplete.

🚫 Failed or Declined Payments

  • In case of a failed transaction, no amount will be deducted from your account.

  • If an amount is debited but the order isn’t confirmed, it is usually auto-refunded by your bank within 5-7 working days.

  • If not resolved, please contact us with the Transaction ID and payment screenshot.

🚀 GST & Invoicing

  • All prices displayed are inclusive of applicable taxes unless otherwise mentioned.

  • You can request a GST-compliant invoice by contacting support after your purchase.

🔁 Duplicate Payments

If you accidentally make a duplicate payment, we will refund the extra amount after proper verification. Please email us with transaction details.

🧾 Refund Reference

  • This policy works in coordination with our Refund, Exchange & Return Policy.

  • For digital products and courses, no refunds or exchanges are allowed once the transaction is completed.

👥 Third-Party Payment Gateways

KAMALDNP may use third-party platforms like Razorpay, Paytm, or Instamojo to process payments. These platforms may collect and store payment details as per their own privacy and security policies.

⚖️ Legal & Compliance

All transactions are subject to Indian laws, including:

  • RBI Digital Payment Guidelines

  • IT Act, 2000

  • Consumer Protection (E-Commerce) Rules, 2020

📞 Need Help?

If you face any issue during or after payment, contact us with:

  • Your Order ID / Transaction ID

  • Payment Date & Mode

  • Screenshots (if applicable)

📧 Email: support@kamaldnp.in
📞 Phone: 083180 13442

🙏 Thank you for choosing KAMALDNP
Your trust is our biggest asset 💙
💡 “Hunar Hai To Kadar Hai”