This Payment Policy (“Policy”) sets out the terms and conditions governing payments for purchases made on the website operated by NovaCore Infotech (“Company”, “We”, “Us”, “Our”). By purchasing digital products or services on the Website, You (“User”, “Customer”, “You”, “Your”) agree to abide by the terms of this Policy. This Policy forms an integral part of the User Agreement and must be read together with our Refund Policy, Terms of Service, and Privacy Policy.
1. ACCEPTED PAYMENT METHODS
We accept the following online modes of payment, subject to availability and gateway integration:
Credit Cards: Visa, MasterCard, American Express, RuPay, etc.
Debit Cards: Issued by Indian and major international banks.
Net Banking: Via all major banking institutions.
UPI (Unified Payments Interface): Google Pay, PhonePe, Paytm, BHIM, etc.
Digital Wallets & International Payment Gateways (where enabled).
Note on Digital Goods: Because our offerings consist strictly of downloadable or accessible digital goods, Cash on Delivery (COD) is not accepted. All orders must be prepaid in full before digital access or fulfillment is granted. The Company reserves the right to add, remove, or restrict any payment method at its sole discretion.
2. PAYMENT GATEWAY & PROCESSING
All online transactions are securely processed through third-party payment gateways (including, but not limited to, Razorpay or similar PCI-DSS compliant providers). By using our payment options, You agree to be bound by the terms, conditions, and privacy policies of these third-party providers. The Company is not liable for any delays, processing failures, errors, or technical glitches originating directly from payment gateway operations or banking networks.
3. PRICING & CURRENCY
All prices for digital products are displayed in INR (Indian Rupees) unless otherwise explicitly stated.
Prices are inclusive/exclusive of applicable taxes as indicated at the final checkout page.
Applicable statutory taxes (such as GST) are calculated and applied at checkout in accordance with Indian tax laws.
The final payable amount is clearly presented to the Customer prior to payment authorization.
4. PAYMENT TERMS & FULFILLMENT
Orders for digital products are confirmed only upon successful, full receipt of payment.
Once payment is verified, instant download links, license keys, or product access credentials will be delivered electronically via the Website or sent to the Customer’s registered email address.
In the event of a payment deduction without order confirmation (e.g., connection drop), the deducted amount is typically refunded by your bank/payment gateway within 5–7 business days.
5. SECURITY & FRAUD PREVENTION
All payment transactions are encrypted using industry-standard SSL (Secure Socket Layer) encryption.
Customers must use genuine, authorized payment instruments.
The Company reserves the right to flag, suspend, or cancel any transaction suspected of fraudulent activity, unauthorized card usage, or violation of applicable laws.
Fraudulent transactions or frivolous chargebacks will be reported to legal authorities and may result in the immediate revocation of purchased digital licenses/access and permanent account termination.
6. INVOICING & TAXES
A digital tax invoice will be generated and emailed to the Customer upon successful completion of the transaction. Invoices reflect:
The price of the digital goods/services.
Applicable taxes (GST/IGST/CGST) under Indian tax laws.
Customer details provided during checkout.
7. REFUNDS & CHARGEBACKS
Due to the non-returnable nature of digital products once accessed or downloaded, all sales are governed strictly by our Refund Policy.
Customers are encouraged to contact our support team to resolve any technical issues before initiating a bank chargeback. Unauthorized chargebacks will lead to immediate cancellation of digital access rights.
8. LIMITATION OF LIABILITY
The Company shall not be held liable for:
Payment processing delays or bank failures beyond our reasonable control.
Disruptions caused by telecom network failures or third-party payment infrastructure.
Losses resulting from unauthorized access to payment details outside of the Company’s security controls.
The Company’s cumulative liability for any proven transaction dispute shall not exceed the actual amount received by Us for that specific order.
9. AMENDMENTS
The Company reserves the right to modify, amend, or update this Policy at any time without prior written notice. Updates take effect immediately upon being posted on the Website. Continued use of the Website after any updates constitutes acceptance of the modified Policy.
10. CONTACT INFORMATION & GRIEVANCES
For any payment-related inquiries, billing issues, or grievances, please contact us at:
Business Name: NovaCore Infotech
Address: Dhangrali, Tehsil – Morinda, District – Ropar, Punjab
Email: novacoreinfotech@gmail.com