AISECT

DRAFT — pending legal review. This document is an AI-generated draft provided for review only. It is not legal advice and must be reviewed and approved by a qualified lawyer before being published or relied upon.

Payment Flow

Last updated: DRAFT — not yet effective

This page explains, for transparency, how payments are collected and processed when you purchase a paid programme or service from AISECT Limited. It is intended to help you understand the steps and safeguards involved.

1. Overview

Payments for paid Services are collected online through one or more third-party payment service providers (the "Payment Gateway"). We do not store your full card or banking credentials on our servers; these are handled directly by the Payment Gateway in accordance with applicable security standards. {TODO: name the payment gateway(s) once finalised, e.g. Razorpay / PayU / CCAvenue.}

2. Step-by-Step Payment Flow

  1. Selection: You choose a programme, course, or service and proceed to checkout.
  2. Order summary: The applicable fee, taxes (such as GST, where applicable), and total payable amount are displayed for your review before payment.
  3. Redirection: You are securely redirected to, or presented with, the Payment Gateway interface to enter your payment details.
  4. Authentication: The transaction is authenticated by your bank or payment provider (for example, via OTP or other secure methods).
  5. Confirmation: On successful payment, you receive an on-screen confirmation and, where applicable, an email receipt; access to the purchased Service is then enabled.
  6. Failure handling: If a payment fails, you may retry. If an amount is debited without successful confirmation, it is typically auto-reversed by the Payment Gateway, or you may contact us for assistance.

3. Accepted Payment Methods

Depending on the Payment Gateway, accepted methods may include credit and debit cards, net banking, UPI, and wallets. {TODO: confirm the exact methods supported.}

4. Pricing, Taxes and Currency

All prices are displayed in Indian Rupees (INR) unless stated otherwise and are inclusive or exclusive of taxes as indicated at checkout. You are responsible for any additional charges levied by your bank or card issuer.

5. Security

Payment transactions are encrypted and processed by the Payment Gateway using industry-standard security measures. We encourage you to review the Payment Gateway's own terms and privacy practices.

6. Receipts and Records

A payment confirmation or receipt is generated for successful transactions. Please retain it for your records. For invoices or tax-related documents, contact us using the details below.

7. Refunds and Cancellations

Refunds and cancellations are governed by our Refund Policy and Cancellation Policy, which describe eligibility, timelines, and the process for returning funds to your original payment method.

8. Contact Us

For any payment-related queries, contact us at hello@aisect.org or by phone at +91 00000 00000.