Last updated: June 1, 2025  |  Version 2.0

1. Overview

These Payment Terms & Conditions govern all financial transactions on the Nyaya Siddhanta platform, including subscription payments, course enrollments, workshop registrations, re-registrations, and certificate verification fees. By making a payment, you agree to these terms in addition to our general Terms & Conditions.

2. Accepted Payment Methods

• Credit Cards: Visa, Mastercard, American Express, RuPay
• Debit Cards: Visa, Mastercard, Maestro, RuPay
• Net Banking: All major Indian banks
• UPI: Google Pay, PhonePe, Paytm, BHIM, and all UPI-enabled apps
• Digital Wallets: Paytm, PhonePe, Amazon Pay

3. Pricing & Currency

• All prices are listed in Indian Rupees (INR)
• Prices include applicable GST unless otherwise stated
• We reserve the right to revise pricing with 30 days' notice
• Price changes do not affect active subscriptions until renewal
• Re-registration fees are charged at the current published price at the time of re-registration, which may differ from the original enrollment fee

4. Course & Workshop Enrollment Payments

• Course enrollment fees are charged as a one-time payment per enrollment period
• Workshop fees are charged per event registration
• Payment must be completed before access to paid course materials is granted
• Free courses do not require payment but are subject to enrollment terms
• Enrollment fees cover access for the duration specified at the time of enrollment (typically 12 months)

5. Re-registration Fees

If your course enrollment expires or is withdrawn, you may re-register for the same course. The following terms apply to re-registration:

• Re-registration requires payment of the full course fee applicable at the time of re-registration
• Re-registration creates a new, independent enrollment with a fresh access period
• Previously submitted assessments, answer sheets, and project submissions from prior enrollments are not carried over and must be resubmitted
• Any certificate issued under a prior completed enrollment remains valid and is unaffected by re-registration
• Re-registration is not available for courses that have been discontinued or are no longer published
• There is no limit on the number of times a learner may re-register for the same course, subject to payment of the applicable fee each time

6. Subscription Payments

• Subscription fees are billed in advance at the start of each billing cycle
• Subscriptions auto-renew unless cancelled before the renewal date
• You will receive a reminder email 7 days before auto-renewal
• Cancellation takes effect at the end of the current billing period

7. Certificate Verification Fee

• Public certificate verification may require payment of a nominal fee as displayed on the verification page
• Learners and administrators can verify certificates free of charge
• Verification fees are non-refundable once the verification is completed

8. Payment Processing

• Payments are processed securely through PCI-DSS certified payment gateways
• We do not store your complete card details on our servers
• All payment data is encrypted using 256-bit SSL/TLS
• You authorise us to charge your selected payment method for the agreed amount

9. Billing & Receipts

• A receipt is sent to your registered email for every transaction
• GST invoices are available in your account dashboard
• Receipts are generated with a unique receipt number for each transaction

10. Failed Payments

• If a payment fails, your enrollment or subscription will not be activated
• You will be notified of failed payments by email
• You are responsible for ensuring sufficient funds or credit limit

11. Taxes

• GST at applicable rates will be added to all transactions
• GST invoices are issued for all transactions

12. Contact for Payment Issues

For any payment-related queries, contact us at:
Email: billing@nyayasiddhanta.com
Response Time: Within 2 business days

Last updated: June 1, 2025  |  Version 2.0

1. Overview

At Nyaya Siddhanta, we strive to ensure your satisfaction. This policy outlines the terms under which refunds and cancellations are processed for all services including subscriptions, course enrollments, workshop registrations, and re-registrations.

2. Course Enrollment — Cancellation & Refund

• Within 7 days of enrollment: Full refund if you have not accessed any course materials, submitted any answer sheets, or downloaded any content.
• After 7 days or after accessing materials: No refund is available. You retain access until your enrollment expires.
• Enrollment expiry: Expiry of an enrollment due to the access period ending is not grounds for a refund. You may re-register by paying the applicable fee.
• Withdrawal requests: If you submit a withdrawal request and it is approved by the administration, a pro-rated refund may be considered at the sole discretion of Nyaya Siddhanta, based on the proportion of the access period remaining and whether course materials have been accessed. Withdrawal approval does not automatically entitle you to a refund.

3. Re-registration — No Refund

Re-registration fees paid for a new enrollment after expiry or withdrawal are non-refundable under any circumstances, as re-registration is a voluntary act with full knowledge of the terms. The 7-day cooling-off period does not apply to re-registrations.

4. Workshop Enrollment — Cancellation & Refund

• More than 7 days before the workshop date: Full refund available upon written request.
• 3–7 days before the workshop date: 50% refund.
• Less than 3 days before or after the workshop date: No refund.
• Workshop cancelled by Nyaya Siddhanta: Full refund within 7 business days.

5. Subscription Cancellation & Refund

• Subscriptions may be cancelled at any time. Access continues until the end of the paid period.
• Refunds for unused subscription periods are not provided unless required by applicable law.
• If a subscription is cancelled within 24 hours of purchase and no features have been accessed, a full refund may be requested.

6. Certificate Verification Fee

Certificate verification fees are non-refundable once the verification process has been initiated.

7. General Refund Eligibility

Refunds are available in the following circumstances regardless of the above:

• Duplicate or erroneous payments
• Technical errors resulting in incorrect billing
• Platform downtime exceeding 72 continuous hours during your active enrollment period

8. Non-Refundable Items (Summary)

• Re-registration fees
• Completed professional verification services
• Used or partially used subscription periods
• Course enrollments after 7 days or after accessing materials
• Workshop fees within 3 days of the event
• Certificate verification fees
• Promotional or discounted purchases (unless required by law)
• Payment gateway processing fees

9. How to Request a Refund

1. Email us at refunds@nyayasiddhanta.com within the applicable window
2. Include your registered email, transaction ID, and reason for refund
3. Our team will review your request within 5–7 business days
4. If approved, the refund will be processed within 7–10 business days
5. Refunds are credited to the original payment method only

10. Refund Timelines

• Credit / Debit Cards: 5–7 business days
• Net Banking: 5–7 business days
• UPI / Digital Wallets: 3–5 business days

11. Chargebacks

We strongly encourage you to contact us before initiating a chargeback with your bank. Initiating a chargeback without prior communication may result in immediate account suspension and legal action for fraudulent chargebacks.

Last updated: June 1, 2025  |  Version 2.0

1. Introduction

This Payment Gateway Terms & Agreement ("Agreement") governs your use of the payment processing services integrated into the Nyaya Siddhanta platform. By initiating any payment transaction on our platform, you agree to be bound by this Agreement in addition to our general Terms & Conditions and Payment Terms.

Nyaya Siddhanta uses authorised, PCI-DSS certified third-party payment gateway service providers to process all payment transactions. The active payment gateway in use is displayed on the checkout page at the time of your transaction.

2. Payment Gateway

• All payments are processed through authorised third-party payment gateway service providers.
• The payment gateway partner is a PCI-DSS Level 1 certified payment aggregator authorised by the Reserve Bank of India (RBI).
• Applicable Regulations: Payment and Settlement Systems Act, 2007; RBI Guidelines on Payment Aggregators and Payment Gateways (March 2020).

3. Accepted Payment Instruments

• Credit Cards: Visa, Mastercard, American Express, RuPay (domestic & international)
• Debit Cards: Visa, Mastercard, Maestro, RuPay
• Net Banking: All major Indian banks
• UPI: All UPI-enabled apps
• Digital Wallets: All major digital wallets supported by the active gateway
• EMI: No-cost and standard EMI on select credit cards (subject to bank eligibility)

4. Transaction Security

• All transactions are processed over 256-bit SSL/TLS encrypted connections.
• Nyaya Siddhanta does not store your complete card number, CVV, or banking credentials on our servers at any point.
• Card data is tokenised and handled exclusively by our payment gateway partner's PCI-DSS certified infrastructure.
• Transactions are protected by 3D Secure (3DS) authentication where applicable.
• UPI transactions are authenticated via your UPI PIN on your registered device.

5. Transaction Processing

• Payments are processed in real time; your service is activated immediately upon successful payment confirmation.
• A payment confirmation will be sent to your registered email address within minutes of a successful transaction.
• In the event of a payment failure, no amount is debited from your account. If a debit occurs without service activation, it will be automatically reversed within 5–7 business days.
• Nyaya Siddhanta reserves the right to decline any transaction at its discretion for fraud prevention or compliance reasons.

6. Currency & Pricing

• All transactions are processed in Indian Rupees (INR).
• Prices displayed are inclusive of applicable Goods and Services Tax (GST) unless explicitly stated otherwise.
• For international cards, your card issuer may apply foreign transaction fees or currency conversion charges — these are outside our control.
• GST invoices are generated automatically and available in your account dashboard within 24 hours of a successful transaction.

7. Payment Failures & Pending Transactions

• If your payment fails at the gateway, you will be redirected to a failure page with the reason (where available).
• Common reasons for failure: insufficient funds, incorrect OTP, card blocked, bank server timeout.
• If your bank account is debited but the payment is not confirmed on our platform, please wait up to 24 hours — most such transactions are auto-reversed by the bank.
• If the amount is not reversed within 5 business days, contact us at billing@nyayasiddhanta.com with your transaction reference number.

8. Refunds via Payment Gateway

• Approved refunds are processed back to the original payment instrument used for the transaction.
• Refunds are initiated by Nyaya Siddhanta through the payment gateway within 5–7 business days of approval.
• Credit/Debit card refunds: 5–7 business days after initiation.
• Net Banking refunds: 3–5 business days.
• UPI refunds: 1–3 business days.
• Wallet refunds: 1–2 business days.
• Cash refunds or refunds to a different payment instrument are not possible.
• Please refer to our Refund & Cancellation Policy for eligibility criteria.

9. Chargebacks & Disputes

• Before raising a chargeback, we strongly encourage you to contact us at billing@nyayasiddhanta.com — most disputes can be resolved within 48 hours.
• Fraudulent or unjustified chargebacks may result in immediate account suspension and recovery proceedings.
• Chargeback resolution timelines are governed by your card network and are typically 30–45 days.

10. Data Sharing with Payment Gateway

To process your payment, we share the following information with our payment gateway partner:

• Your name and registered email address
• Your registered phone number
• Transaction amount and order reference
• IP address (for fraud detection)

We do not share your professional credentials, documents, or any other platform data with payment gateway providers.

11. Prohibited Transactions

• Using stolen, cloned, or unauthorised payment instruments.
• Attempting to circumvent payment security measures.
• Making payments on behalf of another person without their explicit authorisation.
• Any transaction that violates applicable Indian laws, RBI guidelines, or card network rules.

12. Compliance

• All payment processing complies with RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways (March 2020).
• We comply with the Payment and Settlement Systems Act, 2007.
• We do not store card data on our servers in compliance with RBI's card-on-file tokenisation guidelines.

13. Governing Law & Jurisdiction

This Agreement is governed by the laws of India. Any disputes arising out of or in connection with payment transactions shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

14. Contact for Payment Support

• Email: billing@nyayasiddhanta.com
• Response Time: Within 2 business days

Payment Processing

All online payments on Nyaya Siddhanta are processed through an authorised, PCI-DSS compliant payment gateway. Nyaya Siddhanta does not store your card or banking credentials on its servers.

By proceeding with a payment, you agree to the applicable terms of the payment gateway service used at the time of your transaction.