💳 Payment Terms

1. Payment Processor Disclosure

All payments made on ninzae.in are processed through Razorpay, a licensed payment aggregator regulated and authorized by the Reserve Bank of India (RBI).

Ninzae prioritizes user data security. We do not store, process, or have access to your full credit/debit card numbers, card expiry dates, CVV, Net Banking credentials, or UPI PINs. All sensitive payment details are captured and processed entirely within Razorpay's secure, PCI-DSS-compliant checkout flow.

2. Accepted Payment Methods

We accept a wide range of secure payment options through our Razorpay integration:

• Credit and Debit Cards: Visa, Mastercard, RuPay, and Maestro.
• Unified Payments Interface (UPI): Google Pay, PhonePe, Paytm, BHIM, and other UPI-enabled applications.
• Net Banking: Direct transfers supported across all major Indian commercial banks.
• Digital Wallets: Supported wallets including Mobikwik, Freecharge, and others as enabled during checkout.
• Pay Later / EMI: Available payment methods as supported by partner banks and aggregators on our checkout screen.

3. Currency & Pricing

• All pricing displayed on the Platform is listed in Indian Rupees (INR).
• Unless stated otherwise, all prices displayed are inclusive of all applicable local taxes and service fees.
• Ninzae reserves the right to modify prices for any products, roadmaps, or subscription plans at any time. Price adjustments will not affect already completed purchases or active billing cycles.

4. Failed & Pending Transactions

In rare cases where a transaction fails or remains in a pending status (e.g., your bank account is debited but product access is not unlocked on the Platform):

• Your bank account debit is temporary. If the payment gateway does not confirm success, the amount will be automatically reversed to your original payment method by Razorpay or your bank within 5 to 7 business days.
• Please check your internet connection and payment status before retrying to prevent duplicate charges.
• If a duplicate charge occurs, please contact our support team immediately.

5. Subscription & Recurring Payments

Certain plans on Ninzae are structured as auto-renewing subscriptions:

• E-Mandates & UPI Autopay: Auto-renewals are securely registered and processed by Razorpay using bank-approved e-mandates or UPI Autopay.
• Billing Cycle: You will be automatically billed at the start of each billing period (monthly/annually) until you cancel your plan.
• Cancellation Policy: You can cancel your subscription at any time directly through your user dashboard settings. To avoid charges for the subsequent cycle, you must cancel your subscription at least 24 hours prior to your next scheduled renewal date.
• Post-Cancellation Access: Upon cancellation, you will retain full premium access to the Platform until the end of your current billing cycle. No partial refunds are issued for unused days in a cycle.

6. Payment Disputes & Support

For any issues related to billing, double-charges, transaction failures, or refund queries:

• Please contact our dedicated billing support team at: payments@ninzae.in
• For general platform issues, reach out to: support@ninzae.in
• When raising a billing dispute, please include your User ID, registered email address, and the transaction reference ID (sent to you by Razorpay/Ninzae) to help us resolve the issue swiftly.