Payment Terms

This Payment Terms ("Policy") is published by MurliGanj Local Store ("Platform", "we", "us", or "our") and is applicable to every user of our website, mobile applications, and related services. By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to this Policy.

1. Overview

This Policy describes the payment methods, processing, failure handling, refunds, and security controls used by MurliGanj Local Store.

2. Payment Methods

We support payments through Razorpay, Cashfree, UPI, and other gateways made available from time to time. All transactions are processed in Indian Rupees (INR).

3. Failed & Pending Payments

If a payment fails or remains pending, the order is not confirmed. Any amount auto-debited in a failed attempt is reversed by the gateway within the standard timeline.

4. Refunds & Chargebacks

Refunds follow the Refund Policy and Refund Timeline. Chargebacks and disputes are handled per the Chargeback Policy and may reverse settled amounts.

5. Security

We do not store full card data. All payment flows use gateway-secured, encrypted channels. You should never share OTPs or PINs with anyone.

6. Changes to this Policy

Gateway-specific terms may change as we add or remove payment partners.

7. Contact

Payment-related issues can be raised via the Help Center or Support Ticket.

This is a boilerplate policy generated for MurliGanj Local Store. Please review and customise it with your final legal wording before relying on it.