This Payment Policy outlines the payment processes, including payment methods and refunds, for services offered through DrMamataJain.com. It applies globally to all users engaging with the services, including but not limited to SaaS products, online courses, events, podcasts, travel services, and related products.
By purchasing products or services, users agree to comply with the terms and conditions of this Payment Policy. This policy may be updated periodically, and users will be notified of material changes. Please review the policy regularly for updates.
1. Payment Currency
All payments for products, subscriptions, services, and bookings made through the Website will be processed in United States Dollars (USD) unless otherwise specified during the payment process. Payments made in currencies other than USD may be subject to exchange rates and fees applied by your payment provider.
2. Accepted Payment Methods
A variety of secure online payment methods are accepted, including:
- Credit and Debit Cards (International):
- Visa
- MasterCard
- American Express
- Discover
- Online Payment Gateways:
- PayPal (Credit/Debit Cards, Balance)
- Stripe (Credit/Debit Cards, Wallet)
- Apple Pay
- Google Pay
- Cryptocurrency Payments (Optional):
- Bitcoin
- Ethereum (for applicable services and in select regions)
- Bank Transfers:
- International wire transfers for larger payments.
All payments are encrypted using industry-standard security protocols to safeguard your financial data.
3. Industry-Wise Payment Use
SaaS Products
- Subscriptions for SaaS products are billed on a monthly, quarterly, or annual basis, depending on the selected plan.
- Subscriptions automatically renew at the end of each billing cycle unless cancelled before the renewal date.
- Payment is required prior to the first use of the service.
Online Courses
- Users may choose from one-time payments or instalment plans (if available).
- Access to the course material is granted immediately upon successful payment confirmation.
Events (Workshops/Seminars)
- Full payment is required to confirm event registration.
- Seats are allocated on a first-paid, first-served basis, and participation is subject to availability.
- All event fees must be paid before the event date.
Podcasts (Premium Subscriptions)
- Premium podcast subscriptions are available with either monthly or annual billing cycles.
- These subscriptions are non-refundable once payment has been processed, but users can cancel the auto-renewal at any time.
Travel Services
- Payment is due at the time of booking for services such as flights, hotel reservations, tours, and related travel services.
- Partial payments may be required for certain bookings, with full payment to be completed as per the booking terms.
4. Invoicing & Receipts
Upon successful payment, an invoice will be issued and sent to the provided Email ID. The invoice will include applicable taxes (e.g., VAT, GST), if any, based on your billing location.
Users can also view and download billing history and invoices directly from their user dashboard for SaaS subscriptions, course platforms, and event registrations.
5. Refund Policy
Refunds are processed according to the following guidelines:
SaaS Products
- Refund Eligibility: Refunds will be considered only within 7 days of the initial purchase (not renewals), provided the service has been used minimally (i.e., less than 10% usage).
- No Refunds After Service Use: Once the service has been accessed, no refunds will be issued, even within the 7-day window.
Online Courses
- Refund Eligibility: Refund requests may be made within 3 days of purchase, provided that the user has accessed less than 10% of the course content.
- No Refunds After Significant Content Access: Once more than 10% of the course content has been accessed, no refunds will be issued.
Events (Workshops/Seminars)
- Non-Refundable Tickets: Event tickets are non-refundable. However, you may request a transfer to another attendee if made at least 5 days before the event date.
- Event Cancellation: If the event is cancelled, a full refund or reschedule credit will be offered.
Podcasts (Premium Subscriptions)
- Non-Refundable: Premium podcast subscriptions are non-refundable once billed.
- Cancel Future Renewals: You may cancel your subscription at any time to stop future renewals.
Travel Services
- Refund Eligibility: Travel bookings are subject to the terms and conditions of third-party travel providers. Some bookings may be partially refundable or subject to cancellation fees.
- Refund Requests: Please contact me for refund eligibility based on the service provider’s policy.
6. Payment Failure & Chargebacks
Failed Transactions
If a payment fails (e.g., due to insufficient funds), no services or access will be granted until the full payment is successfully processed.
Chargebacks
If a chargeback is filed (e.g., via PayPal or a credit card provider), the access to services may be suspended or permanently terminated.
Repeated Payment Failures
Users with repeated payment failures may be temporarily or permanently suspended from accessing services.
7. Discounts, Coupons & Offers
- Validity: Promotional codes or coupons are valid only during the specified campaign period and cannot be combined with other offers unless explicitly stated.
- Misuse: Any misuse of promotional codes or exploitation of the pricing system may result in account suspension or service restrictions.
8. Auto-Renewal Subscriptions
For subscription-based services (SaaS tools, podcast memberships), your selected payment method will be auto-charged at the beginning of each renewal cycle (monthly, annually, etc.).
Canceling Auto-Renewal
You may cancel auto-renewal through your account dashboard or by contacting me at mamata@DrMamataJain.com at least 48 hours before the renewal date to avoid being charged.
9. Refund Process
To request a refund, please contact me at mamata@DrMamataJain.com with the following details:
- Order number or subscription ID
- Reason for refund request
- Relevant supporting information (e.g., transaction details)
Refunds will be processed to the original payment method unless otherwise specified. Processing times for refunds may vary depending on the payment method and the policies of your financial institution.
By using the services provided through DrMamataJain.com, you acknowledge and accept the terms outlined in this Payment Policy. For any questions or assistance, please reach out at mamata@DrMamataJain.com.
