Payment Policy

Last Updated: January 19, 2025

This Payment Policy governs all transactions made on the Lifafa Corporate Gifting website (www.lifafa.gift) and outlines the terms related to payment methods, processing, cancellations, and refunds. By placing an order with us, you agree to the terms outlined below.

1. Payment Methods

We accept the following payment methods:

• Razorpay: Online payment via UPI, debit cards, credit cards, and net banking.
• Bank Transfer: Payments can be made directly via NEFT, RTGS, or IMPS. Bank details will be provided upon placing the order.
• Payment Links: Secure payment links are sent to customers for online payments when applicable.

All transactions are secure and encrypted. We do not store sensitive payment information, such as full credit or debit card details, on our servers.

2. Payment Terms

1. Upfront Payments:

   • All payments must be made in full before the dispatch of products.
   • Lifafa does not offer credit terms or post-payment options for orders.

2. Order Confirmation:

   • Your order will be processed once payment is verified. For bank transfers, please email or upload proof of payment for verification.
   • Orders are subject to confirmation of payment clearance and stock availability.

3. Customized Orders:

   • For customized or bulk orders, payment must be completed before production begins.

4. Currency:

   • All payments are accepted in Indian Rupees (INR).

3. Taxes and Fees

• All prices displayed on the Website are exclusive of GST (Goods and Services Tax).
• GST will be calculated and added to the final invoice amount based on the applicable rate (currently 18%).
• Customers are responsible for any additional bank fees, foreign exchange fees (if applicable), or charges applied by payment processors.

4. Cancellations and Modifications

1. Cancellation Requests:

   • Orders can be canceled or modified within 24 hours of payment confirmation.
   • Once production or customization starts, cancellation requests will not be entertained.

2. Cancellation Fees:

   • A cancellation fee of 10% of the total transaction amount will be deducted for valid cancellations.
   • For customized bulk orders, cancellation charges will depend on the production process already completed.

3. Refunds for Cancellations:

   • Refunds for cancellations (if eligible) will be processed within 7-10 business days and credited to the original payment method.

5. Failed or Declined Transactions

1. Transaction Failure:

   • In cases where a transaction fails but the amount is debited from the customer’s account, the amount is usually refunded by the bank automatically within 7 business days. Please contact your bank and Lifafa support if the amount is not reflected in your account after this period.

2. Incorrect or Declined Payments:

   • Please ensure accurate payment details to avoid transaction declines. Lifafa is not responsible for delays caused by incorrect payment entries.

6. Refunds and Chargebacks

1. Refund Policy:

   • Refunds are only applicable in certain cases, such as:
     • Damaged or defective products.
     • Unavailability of the ordered product after payment is made.
   • Refund requests must be initiated within 48 hours of receiving the product.

2. Refund Processing Time:

   • Refunds are processed within 7-10 business days, depending on payment mode.

3. Chargebacks:

   • We advise customers to contact us directly for resolution before initiating a chargeback with their bank, as chargebacks may delay the resolution process.

7. Invoice and Billing

1. Invoices:

   • A digital invoice will be sent to the registered email ID once the order is confirmed and payment is received.
   • For additional invoice requests or corrections, contact us at billing@lifafa.gift.

2. Custom Billing Needs:

   • If you need specific details on your invoice, such as a GST number or company name, please provide this information while placing your order.

8. Disputes and Queries

1. Refund or Payment Disputes:

   • Reach out to our customer support team at payment@lifafa.gift for assistance with any payment-related disputes.
   • Disputes raised will be resolved within 14 business days upon receipt of all relevant details.

2. Contact Information:

   • Email: payment@lifafa.gift
   • Support Line: [Your Helpline Number]
   • Business Hours: Monday to Saturday, 9:30 AM – 6:30 PM

9. Changes to This Policy

Lifafa reserves the right to update or modify this Payment Policy at any time without prior notice. Changes will be posted on this page, and the new policy will take effect immediately after publication. By continuing to use our Website, you accept and agree to the updated terms.

If you have any questions regarding this policy, please contact us at support@lifafa.gift.