Billing Terms & Conditions

This policy governs the financial transactions on our website. By placing an order, you agree to the following terms.

1. Accepted Payment Methods

To provide a seamless checkout experience, we offer a variety of secure payment options through our encrypted payment gateway:

  • Credit & Debit Cards: Visa, Mastercard, American Express, RuPay, and Diners Club.
  • UPI: Google Pay, PhonePe, Paytm, and BHIM.
  • Net Banking: Supporting all major Indian banks.
  • Digital Wallets: Mobikwik, Freecharge, and more.
  • EMI Options: Available on select credit cards (as displayed during checkout).

2. Pricing and Taxes

  • Currency: All prices listed on the website are in Indian Rupees (INR).

  • GST: All prices are inclusive of Goods and Services Tax (GST) at the applicable rates. The tax breakdown will be visible on your final invoice.

  • Price Changes: We reserve the right to change prices for our products at any time without prior notice. However, once an order is placed and confirmed, the price will not change.

3. Order Confirmation and Processing

  • Authorization: Your order will only be processed once we receive a successful payment authorization from our payment partner.

  • Pending Payments: If a payment is flagged as "Pending" by your bank, we will wait for the final status before processing the shipment.

  • Invoice: A digital tax invoice will be sent to your registered email address immediately after the order is confirmed.

4. Secure Checkout & Data Protection

Your financial security is our highest priority:

  • SSL Encryption: Our website is secured with 128-bit SSL (Secure Socket Layer) encryption, ensuring that your sensitive data is scrambled and unreadable by third parties.

  • PCI Compliance: We adhere to Payment Card Industry (PCI) standards.

  • No Data Storage: We do not store your credit card numbers, CVV, or net banking login credentials on our servers. All transactions are handled directly by our secure, RBI-authorized payment partners.

5. Payment Failures

In the event of a payment failure where the amount has been deducted from your account but the order is not confirmed:

  1. The amount is usually automatically refunded by your bank within 7–10 business days.

  2. Please contact our support team at care.optimumorganics@gmail.com with your transaction details for assistance in verifying the status.

6. Right to Cancel

We reserve the right to cancel any order if we suspect fraudulent activity or unauthorized transactions. In such cases, a full refund will be issued to the original payment method after verification.