Legal Document

Payment Policy

Effective Date: April 1, 2026 · Last Updated: March 15, 2026 · Version 1.0

1. Introduction

1.1 About This Payment Policy

This Payment Policy ("Policy") governs all payment transactions, billing practices, refunds, and financial interactions between you ("User", "Student", "Subscriber", "you", or "your") and Kalqore Ventures operating the VidyaVriti platform ("VidyaVriti", "we", "us", "our", or "Platform").

This Policy is an integral part of our Terms and Conditions and should be read in conjunction with:

Terms and Conditions: [Insert URL]
Privacy Policy: [Insert URL]

1.2 Acceptance of Payment Policy

By purchasing any subscription, service, or product from VidyaVriti, you acknowledge that you have read, understood, and agree to be bound by this Payment Policy.

If you do not agree to any provision of this Policy, you must not make any purchases on the Platform.

1.3 Modifications to Payment Policy

We reserve the right to modify this Payment Policy at any time. Changes will be communicated via:

Email notification to registered users (at least 15 days before effective date)
Prominent notice on the Platform
Updated "Last Updated" date at the top of this document

Continued use of paid services after changes constitute acceptance of the revised Policy.

2. Service Tiers and Pricing

2.1 Free Tier

VidyaVriti offers a Free Tier with limited access to practice tests and basic features, including:

Access to select practice tests (up to 3 tests per month)
Basic performance analytics
Standard scorecards (non-downloadable)
Email support (response within 5 business days)

No payment is required for the Free Tier.

2.2 Paid Subscription Tiers

VidyaVriti offers multiple Paid Subscription Tiers with enhanced features:

Table 1: Paid Subscription Features

2.3 Subscription Durations

Subscriptions are available for the following durations:

1 Month - Monthly subscription with auto-renewal option
3 Months - Quarterly subscription (discounted compared to monthly)
6 Months - Half-yearly subscription (greater discount)
12 Months - Annual subscription (maximum discount)

2.4 Pricing Display

All prices are displayed on our website and during the checkout process.

Pricing may vary based on:

Subscription duration (longer durations offer greater discounts)
Exam category (specialized categories may have different pricing)
Promotional offers and discounts (limited-time offers)
Geographic location (if applicable)

Current pricing as of April 1, 2026:

[Pricing to be displayed on website and updated periodically]

2.5 Currency

All prices are quoted in Indian Rupees (INR ₹) unless explicitly stated otherwise.

2.6 Pricing Changes

We reserve the right to change subscription prices at any time. Changes will be communicated at least 15 days in advance via email.

Important: Price changes will NOT affect active subscriptions. You will continue to pay the rate you subscribed at until your current subscription period ends. New prices apply only to:

New subscriptions purchased after the effective date
Subscription renewals after the current period expires
Upgrades or plan changes

3. Payment Methods

3.1 Accepted Payment Methods

VidyaVriti accepts the following payment methods for subscription purchases:

Credit Cards: Visa, Mastercard, RuPay, American Express, Diners Club
Debit Cards: All major Indian banks (Visa, Mastercard, RuPay debit cards)
UPI (Unified Payments Interface): Google Pay, PhonePe, Paytm, BHIM, and all UPI-enabled apps
Net Banking: All major Indian banks and cooperative banks
Digital Wallets: Paytm Wallet, Mobikwik, Freecharge, Amazon Pay (as supported by payment gateway)
EMI Options: Credit card EMI (3, 6, 9, 12 months) for eligible cards and amounts

Note: Payment method availability may vary based on the payment gateway provider and your bank.

3.2 Payment Gateway Partners

All payments are processed securely through our trusted PCI DSS Level-1 compliant payment gateway partners:

Razorpay: https://razorpay.com/
Cashfree: https://www.cashfree.com/

When you make a payment:

You are redirected to the payment gateway's secure checkout page
You enter payment details (card number, CVV, OTP, UPI PIN, etc.) directly on the gateway's system
The payment gateway processes the transaction and communicates the status to VidyaVriti
You are redirected back to VidyaVriti with payment confirmation

VidyaVriti does NOT:

Store complete card numbers, CVV codes, or banking passwords
Have access to your sensitive payment credentials
Process payment transactions directly on our servers

Payment gateways maintain their own privacy policies and terms of service. We recommend reviewing:

Razorpay Privacy Policy: https://razorpay.com/privacy/
Cashfree Privacy Policy: https://www.cashfree.com/privacy-policy/

3.3 Payment Security and Compliance

VidyaVriti and our payment gateway partners implement industry-standard security measures:

PCI DSS Level-1 Certification: Highest level of payment card industry security compliance
256-bit SSL/TLS Encryption: All payment data encrypted in transit
Tokenization: Card details replaced with encrypted tokens, preventing data exposure
Two-Factor Authentication (2FA): OTP verification for all card and net banking transactions
3D Secure (3DS): Verified by Visa, Mastercard SecureCode for added security
Fraud Detection: Real-time fraud monitoring and risk assessment
Secure Checkout: Isolated, PCI-compliant checkout environment

Your payment information is safe and secure at all times.

3.4 International Payments

VidyaVriti primarily serves users in India, and all pricing is in Indian Rupees (INR).

If you are making a payment from outside India:

Your bank or card issuer may charge currency conversion fees
International transaction fees may apply (charged by your bank)
Payment gateway may apply cross-border processing charges
Payment success depends on your card's international usage settings

We are not responsible for additional fees charged by your bank or card issuer for international transactions.

3.5 Payment Authorization

By providing payment information and completing a purchase, you authorize VidyaVriti to charge:

The subscription amount displayed during checkout
Applicable taxes (GST, service tax, or other government-mandated taxes)
Any additional fees explicitly disclosed before payment confirmation

4. Subscription Management

4.1 Subscription Activation

Upon successful payment:

Your subscription is activated immediately
You receive instant access to all paid features
A confirmation email is sent to your registered email address
A payment receipt/invoice is generated and accessible in your account

Typical activation time: Instant (within seconds of successful payment)

If subscription is not activated within 15 minutes:

Check your internet connection and refresh the page
Log out and log back in to your account
Contact our support team: [Insert support email]

4.2 Subscription Renewal

Subscription renewals depend on the subscription type:

Manual Renewal (Default): Your subscription expires at the end of the paid period. You must manually renew by purchasing a new subscription before expiry.
Auto-Renewal (Optional): If you opt-in to auto-renewal, your subscription automatically renews at the end of each billing cycle using your saved payment method.

4.3 Auto-Renewal Terms (If Enabled)

If you enable auto-renewal:

You authorize recurring charges to your payment method
Auto-renewal follows RBI eMandate regulations and requires one-time authentication
You will receive a pre-debit notification via email and SMS before the renewal charge
The notification includes: renewal date and exact debit amount, payment method to be charged, and option to cancel auto-renewal before charge
If payment fails, you will be notified and given the option to update payment details
Auto-renewal can be disabled at any time via account settings (takes effect after current period)

Important: For payments above ₹15,000 or the mandate's maximum amount, you will need to complete additional authentication (3D Secure/OTP) before renewal.

4.4 Subscription Expiry

When your subscription expires:

Access to paid features is immediately revoked
You revert to the Free Tier with limited access
Your test history, performance data, and account remain intact
You can renew at any time to regain full access

We will send expiry reminder notifications:

7 days before expiry
3 days before expiry
On the day of expiry

4.5 Upgrading Subscriptions

You may upgrade your subscription at any time:

Upgrade from Free to Paid: Purchase any paid subscription
Upgrade from Shorter to Longer Duration: Switch from monthly to quarterly, half-yearly, or annual
Pro-rata Credit: If you upgrade mid-cycle, you receive pro-rata credit for unused time on your current subscription, applied toward the new subscription cost

Example: If you have 15 days remaining on a 1-month subscription (₹500) and upgrade to a 6-month subscription (₹2,400), you will receive a credit of approximately ₹250 (pro-rated value), and pay ₹2,150 for the upgrade.

4.6 Downgrading Subscriptions

Subscription downgrades are not supported mid-cycle.

If you wish to move to a lower-tier subscription:

Cancel auto-renewal (if enabled)
Let your current subscription expire naturally
Purchase the desired lower-tier subscription after expiry

No refunds are provided for voluntary downgrades.

4.7 Canceling Subscriptions

You may cancel your subscription at any time by:

Logging into your account
Navigating to "Subscription Settings" or "Manage Subscription"
Clicking "Cancel Subscription" or "Disable Auto-Renewal"
Confirming cancellation

Alternatively, contact our support team: [Insert support email]

Effect of cancellation:

Cancellation takes effect at the end of your current paid period
You retain full access until the subscription expires
No refund for the remaining subscription period (except as per Refund Policy - Section 6)
You will not be charged for subsequent renewal periods

5. Taxes and Invoicing

5.1 Goods and Services Tax (GST)

VidyaVriti is registered under the Goods and Services Tax (GST) regime.

GST applicability:

Educational coaching and training services are subject to 18% GST as per Indian GST laws
GST is NOT included in the displayed subscription prices
GST will be added to your invoice at checkout based on applicable rates

Example:

Subscription Price: ₹1,000
GST (18%): ₹180
Total Payable Amount: ₹1,180

5.2 GST Registration and Compliance

VidyaVriti GST Details:

GSTIN (GST Identification Number): [Insert GSTIN]
Registered Name: Kalqore Ventures
Registered Address: [Insert registered business address]

We comply with all GST regulations, including:

Filing regular GST returns (GSTR-1 and GSTR-3B)
Depositing collected GST to the government
Maintaining GST-compliant invoices and records

5.3 Tax Invoices

Upon successful payment, a GST-compliant tax invoice is generated automatically.

Your invoice includes:

Invoice number and date
VidyaVriti GSTIN
Your name, email, and billing address (if provided)
Description of service (subscription details)
Subscription amount (before GST)
GST amount (18% of subscription amount)
Total amount paid (including GST)
Payment method and transaction ID

How to access your invoice:

Log into your VidyaVriti account
Navigate to "Payment History" or "Invoices"
Click "Download Invoice" for the relevant transaction
Invoice is available in PDF format

Invoice is also emailed to your registered email address immediately after payment.

5.4 Other Applicable Taxes

In addition to GST, other taxes may apply as mandated by Indian law:

Service Tax (if applicable in specific scenarios)
Cess or Surcharge (if levied by government)

All applicable taxes will be disclosed during checkout before payment confirmation.

5.5 Tax Exemptions

VidyaVriti does NOT offer tax exemptions for individual users.

However, if you are an educational institution, corporate entity, or government organization eligible for tax exemptions, please contact our billing team with:

Proof of tax-exempt status (certificate or documentation)
Official purchase order or institutional request
Contact: [Insert billing/accounts email]

We will review and process exemption requests on a case-by-case basis.

5.6 Retention of Financial Records

VidyaVriti retains all payment transaction records, invoices, and GST documentation for a period of 7 years as required under the Income Tax Act, 1961, and GST regulations.

This ensures compliance with tax audits, regulatory inspections, and financial reporting obligations.

6. Refund Policy

6.1 Refund Eligibility Criteria

VidyaVriti offers a limited refund policy to ensure fairness and prevent abuse.

You are eligible for a full refund if ALL of the following conditions are met:

Refund request is made within 7 calendar days from the date of purchase
You have accessed no more than 3 practice tests since purchase
No AI feedback reports have been downloaded
No downloadable scorecards have been generated
You have experienced a genuine technical issue preventing platform access (must be reported to support team with evidence)

Refund window: 7 days from purchase date

6.2 Refund Request Process

To request a refund:

Email our support team at [Insert support email] within 7 days of purchase
Include the following information: your registered email address and user ID, transaction ID or payment receipt number, date of purchase, detailed reason for refund request, and supporting documentation (if claiming technical issues — screenshots, error messages, etc.)
Our team will review your request within 3-5 business days
If approved, refund will be initiated within 7-10 business days
You will receive email confirmation once refund is processed

Refund approval is at VidyaVriti's sole discretion based on eligibility criteria.

6.3 Refund Processing Time

Once a refund is approved:

Credit/Debit Card: 7-10 business days (depends on your bank's processing time)
UPI/Digital Wallets: 5-7 business days
Net Banking: 7-10 business days

Refund is credited to the original payment method used for purchase.

Note: We cannot expedite bank processing times. If refund is not received within 15 business days after our confirmation, please contact your bank or payment provider.

6.4 Non-Refundable Situations

Refunds will NOT be granted in the following cases:

Refund request made after 7 days from purchase date
Subscription has been substantially used (more than 3 tests accessed)
User has downloaded AI feedback reports, scorecards, or performance analytics
User has changed their mind or no longer wishes to use the service
User is dissatisfied with test difficulty, question quality, or AI recommendations (subjective complaints)
User has poor exam performance or believes the platform did not help (educational outcomes are not guaranteed)
User misunderstood subscription features or duration (feature descriptions are clearly provided)
Subscription has expired or nearing expiry
Technical issues caused by user's device, internet connection, or browser compatibility
Violation of Terms and Conditions resulting in account suspension or termination

6.5 Partial Refunds

VidyaVriti does NOT offer partial refunds for:

Unused portion of subscription period
Downgrading from longer to shorter subscription duration
Switching exam categories mid-subscription

Exception: If VidyaVriti discontinues a specific exam category or major feature during your active subscription, you may be eligible for a pro-rated refund. Contact support for evaluation.

6.6 Refund for Technical Issues

If you experience technical issues preventing platform access:

Contact our support team immediately: [Insert support email]
Provide detailed description of the issue, including: error messages or screenshots, browser and device information, date and time of issue occurrence, and steps you took before encountering the issue
Our technical team will attempt to resolve the issue within 24 hours
If the issue cannot be resolved and is determined to be a platform-side problem, you will be eligible for a refund or subscription extension (your choice)

Technical issues on user end (device, internet, browser) are not eligible for refunds.

6.7 Chargebacks and Disputes

If you initiate a chargeback or payment dispute with your bank/card issuer without first contacting VidyaVriti:

Your account will be immediately suspended pending investigation
Access to all services will be revoked
We will provide evidence to the payment gateway and your bank demonstrating service delivery
If chargeback is ruled in our favor, your account remains permanently suspended
You may be liable for chargeback fees and legal costs

We strongly encourage users to contact our support team first to resolve any payment disputes amicably.

6.8 Refund Abuse Prevention

VidyaVriti monitors for refund abuse patterns, including:

Repeated subscription purchase and refund cycles
Creating multiple accounts to exploit refund policy
False claims of technical issues
Downloading all content and then requesting refund

Users found abusing the refund policy will face:

Immediate account suspension or permanent ban
Ineligibility for future refunds
Legal action for fraudulent claims
Reporting to payment gateways and financial institutions

7. Failed Payments and Payment Issues

7.1 Common Reasons for Payment Failure

Payments may fail due to:

Insufficient Funds: Inadequate balance in bank account or credit limit exceeded
Incorrect Payment Details: Wrong card number, CVV, expiry date, or UPI PIN
Bank Decline: Transaction declined by your bank due to security settings or risk assessment
OTP Timeout: One-time password (OTP) not entered within the time limit
Network Issues: Internet connectivity problems during payment processing
Card Restrictions: Card not enabled for online transactions or international payments
Daily Transaction Limits: Exceeded daily spending or transaction count limits set by your bank
Payment Gateway Issues: Temporary technical issues with payment gateway servers
3D Secure Failure: Authentication failure during Verified by Visa/Mastercard SecureCode process

7.2 What to Do If Payment Fails

If your payment fails:

You will see an error message on the payment page indicating the reason for failure
Retry immediately if the issue was temporary (OTP timeout, network issue)
Check your payment details and bank account balance
Verify that your card is enabled for online transactions
Try a different payment method (e.g., switch from card to UPI or net banking)
Clear browser cache and cookies, then attempt payment again
Contact your bank to check if transaction was declined and why
If issue persists, contact our support team: [Insert support email]

7.3 Double Debits and Failed Transactions

In rare cases, payment may be debited from your account but subscription is not activated.

This happens when:

Payment gateway confirms debit but fails to communicate with VidyaVriti due to network issues
Payment was declined by bank after initial authorization

If you experience a double debit or "payment debited but subscription not activated" issue:

Check your bank account statement to confirm debit
Wait 15-30 minutes for payment reconciliation (sometimes activation is delayed)
Log out and log back in to your VidyaVriti account
Check your email for payment confirmation or failure notification
If subscription is still not activated after 30 minutes, contact support with: transaction ID or reference number, screenshot of bank debit statement, and date and time of payment attempt
Our team will investigate and resolve within 24 hours
If payment was debited but transaction failed, refund will be initiated automatically by payment gateway within 5-7 business days

VidyaVriti is not responsible for payment gateway processing delays or bank reconciliation timelines.

7.4 Bank Holds and Authorization Charges

Some banks place temporary "authorization holds" on your account during payment processing.

The amount is blocked but not debited
If payment fails, the hold is released by your bank within 3-7 business days
VidyaVriti does not control authorization hold releases (contact your bank)

This is a standard banking practice and not a VidyaVriti charge.

7.5 Payment Gateway Technical Issues

If the payment gateway (Razorpay/Cashfree) experiences technical issues:

We will display a notice on the payment page
You may receive an error message during checkout
Wait for gateway services to resume (usually resolved within 12 hours)
Alternatively, try again later or contact support for assistance

We are not liable for payment gateway downtime or technical failures beyond our control.

7.6 Fraudulent Transactions and Security Concerns

If you notice unauthorized charges on your account or suspect fraudulent activity:

Immediately contact VidyaVriti support: [Insert support email]
Contact your bank/card issuer to report unauthorized transaction and request chargeback
Change your VidyaVriti account password immediately
Enable two-factor authentication (2FA) if available
Review recent account activity for suspicious login attempts

VidyaVriti will cooperate fully with fraud investigations and provide transaction details to authorities.

8. No Hidden Charges

8.1 Transparent Pricing Commitment

VidyaVriti is committed to transparent, honest pricing with no hidden fees.

What you see at checkout is what you pay:

Subscription amount clearly displayed
GST (18%) calculated and shown separately
Total payable amount (subscription + GST) prominently displayed before payment confirmation

8.2 No Additional Platform Fees

VidyaVriti does NOT charge:

Account registration fees
Account maintenance fees
Test access fees (beyond subscription cost)
Download fees for scorecards or performance reports
Support ticket fees
Early cancellation penalties
Platform usage fees

Your subscription covers complete access to all included features.

8.3 Third-Party Charges

However, please note that third parties may charge fees beyond our control:

Payment Gateway Charges: Some payment methods (credit card EMI, international cards) may incur gateway processing fees charged by Razorpay/Cashfree (disclosed during checkout if applicable)
Bank Charges: Your bank may charge credit card processing fees, international transaction fees (for payments from outside India), currency conversion fees, and over-limit fees or insufficient balance charges
UPI/Wallet Charges: Generally free, but check with your UPI app or wallet provider
SMS/Email Charges: Standard data/SMS charges from your telecom provider for OTP and notification messages

VidyaVriti is not responsible for charges imposed by your bank, card issuer, payment gateway, or telecom provider.

9. Partner Exam Center Payments

9.1 Separate Payment Obligations

VidyaVriti and partner physical exam centers operate as independent entities.

Payments to partner exam centers are SEPARATE from VidyaVriti subscriptions:

If you attend a physical exam simulation at a partner center, you pay the center directly
Partner center fees are determined by the center, not by VidyaVriti
VidyaVriti subscription does NOT include or cover partner center simulation fees
Partner centers have their own payment policies, refund policies, and terms

9.2 Result Ingestion from Partner Centers

Result ingestion is included in your VidyaVriti subscription at no additional cost:

Partner centers transfer your simulation test results to VidyaVriti
Results are imported into your digital profile automatically
AI feedback and performance analytics are generated for partner center results
This service is covered by your VidyaVriti paid subscription

No additional charges apply for result ingestion.

9.3 Disputes with Partner Centers

For issues related to:

Partner center simulation fees
Partner center refund requests
Test administration at partner centers
Data accuracy from partner centers

Contact the partner exam center directly. VidyaVriti is not responsible for partner center billing, refunds, or data disputes.

10. Promotional Offers and Discounts

10.1 Promotional Codes and Coupons

VidyaVriti may offer promotional discount codes or coupons from time to time.

How to use a promo code:

Proceed to checkout and select your subscription
Enter promo code in the "Apply Coupon" or "Promo Code" field
Click "Apply" to see the discount reflected in your total amount
Complete payment with the discounted price

10.2 Promo Code Terms

Promotional codes are subject to specific terms and conditions:

Validity Period: Each promo code has an expiry date. Expired codes cannot be applied.
Usage Limits: Some codes are limited to one-time use per user, first-time subscribers, or specific user groups
Discount Type: Codes may offer percentage discounts (e.g., 20% off) or flat amount discounts (e.g., ₹200 off)
Minimum Purchase Amount: Some codes require a minimum subscription value to qualify
Exam Category Restrictions: Certain codes may apply only to specific exam categories
Non-Transferable: Promo codes are personal and cannot be sold, transferred, or shared for commercial purposes
Cannot be Combined: Only one promo code can be applied per transaction (codes cannot be stacked)

10.3 Referral Programs

VidyaVriti may offer referral programs where existing users can refer new users and earn rewards.

Referral program terms (if applicable):

Referrer receives a discount or credit when referred user makes a purchase
Referred user may receive a first-time subscriber discount
Referral rewards are credited to your account and can be applied to future subscriptions
Referral abuse (fake accounts, self-referrals) results in account suspension

Referral program details are available on our website and within your account dashboard.

10.4 Seasonal and Festive Offers

VidyaVriti may run special promotions during:

Exam seasons (e.g., JEE/NEET preparation periods)
Festivals (Diwali, New Year, etc.)
Platform anniversaries or milestones
Back-to-school periods

Promotional offers are limited-time and subject to availability.

10.5 No Cash Value for Discounts

Promotional discounts, referral credits, and promo codes have no cash value and cannot be:

Redeemed for cash
Transferred to other users
Applied retroactively to past purchases
Combined with other discounts (unless explicitly stated)

11. Account Suspension for Non-Payment

11.1 Immediate Access Revocation on Subscription Expiry

When your paid subscription expires:

Access to paid features is immediately revoked
You revert to Free Tier access
No grace period is provided for unpaid subscriptions

This is not a suspension, but a natural expiry. You may renew at any time to regain access.

11.2 Failed Auto-Renewal Payments

If you have enabled auto-renewal and payment fails:

You will receive a notification of payment failure
You will have 7 days to update your payment method and complete payment
During this 7-day grace period, you retain access to paid features
If payment is not completed within 7 days, subscription expires and you revert to Free Tier
No further auto-renewal attempts will be made unless you manually re-enable and update payment details

11.3 Account Suspension for Fraudulent Activity

Your account may be suspended if:

Chargebacks or payment disputes are filed without contacting VidyaVriti first
Multiple failed payment attempts suggest fraudulent activity
Payment was made with stolen card or unauthorized payment method
Refund abuse patterns are detected

Suspended accounts:

Lose access to all services (including Free Tier)
Cannot make new purchases
Require manual review and approval to reactivate
May face permanent ban for serious fraud

12. Business and Institutional Purchases

12.1 Bulk Subscriptions for Educational Institutions

VidyaVriti offers bulk subscription plans for:

Schools and coaching centers
Educational institutions
Corporate training programs
Government education initiatives

Bulk purchase benefits:

Volume discounts based on number of licenses
Centralized billing and invoicing
Dedicated account manager
Custom onboarding and training
Usage analytics and reporting

For bulk inquiries, contact: [Insert business/enterprise email]

12.2 Institutional Payment Terms

Institutional purchases may be eligible for:

Invoice-based payments (30-day payment terms for verified institutions)
Purchase order (PO) acceptance
Wire transfer or NEFT/RTGS payments
Quarterly or annual billing cycles

Institutional agreements require:

Valid institutional registration documents
Authorized signatory approval
Signed institutional agreement or contract

12.3 Tax Exemptions for Institutions

Eligible institutions may request GST exemptions or input tax credit (ITC) benefits.

To claim exemptions:

Provide GST registration certificate
Submit exemption documentation (if applicable)
Work with our accounts team to structure compliant invoicing

Contact our billing team: [Insert accounts/billing email]

13. Data Retention for Payment Records

13.1 Financial Record Retention Period

VidyaVriti retains all payment transaction records, invoices, receipts, and GST documentation for a minimum period of 7 years as required under:

Income Tax Act, 1961
Goods and Services Tax (GST) regulations
Companies Act, 2013
Digital Personal Data Protection Act, 2023

13.2 What Payment Data is Retained

Retained financial records include:

Transaction IDs and payment reference numbers
Invoice numbers and GST invoice copies
Subscription purchase history
Payment amounts, dates, and methods used
Refund records and chargeback documentation
GST collected and deposited records

Sensitive payment data (complete card numbers, CVV, UPI PINs) is NEVER stored by VidyaVriti.

13.3 Access to Historical Payment Data

You can access your payment history at any time:

Log into your VidyaVriti account
Navigate to "Payment History" or "Billing"
View all past transactions, invoices, and receipts
Download invoices in PDF format for your records

Payment records are retained even after account deletion to comply with legal and tax obligations.

14. Contact Information for Payment Issues

14.1 Payment Support

For payment-related questions, issues, or disputes:

Email: [Insert payment support email - e.g., payments@vidyavriti.com or support@vidyavriti.com]
Phone: [Insert support phone number]
Support Hours: Monday - Friday, 10:00 AM - 6:00 PM IST

Response time:

Free Tier users: Within 5 business days
Paid subscribers: Within 1 business day (priority support)

14.2 Billing and Invoicing Queries

For billing, invoicing, GST, or institutional purchase queries:

Email: [Insert billing/accounts email - e.g., billing@vidyavriti.com]
Phone: [Insert accounts phone number]

14.3 Grievance Redressal Officer

For unresolved payment disputes or complaints:

Data Protection Officer and Grievance Redressal Officer:
Name: Ankit
Email: [ankit@kalqore.ventures]
Phone: [Insert phone number]
Office Hours: Monday - Friday, 10:00 AM - 6:00 PM IST

14.4 Registered Office

Kalqore Ventures (VidyaVriti)

[Insert Complete Office Address]

[City, State, PIN Code]

India

GSTIN: [Insert GSTIN]

15. Payment Policy Updates

15.1 Right to Modify

We reserve the right to modify this Payment Policy at any time to reflect:

Changes in pricing or subscription models
New payment methods or gateway partners
Regulatory or legal compliance requirements
Improved refund or billing practices

15.2 Notification of Changes

Material changes to this Payment Policy will be communicated via:

Email notification to registered users (at least 15 days before effective date)
Prominent notice on the Platform
Updated "Last Updated" date at the top of this document

Continued use of paid services after changes constitute acceptance of the revised Payment Policy.

15.3 Version History

Version history of this Payment Policy is available at: [Insert URL for policy archive]

16. Governing Law and Dispute Resolution

16.1 Governing Law

This Payment Policy and all payment transactions are governed by the laws of India, including:

Indian Contract Act, 1872
Income Tax Act, 1961
Goods and Services Tax Act, 2017
Digital Personal Data Protection Act, 2023
Consumer Protection Act, 2019
Information Technology Act, 2000

16.2 Jurisdiction

Any disputes arising from payment transactions shall be subject to the exclusive jurisdiction of the courts located in [Mumbai, Maharashtra], India.

16.3 Informal Resolution First

Before initiating legal proceedings, you agree to:

Contact our support team or Grievance Redressal Officer
Engage in good-faith negotiations to resolve payment disputes
Allow 30 days for informal resolution attempts

Contact:

Support Email: [Insert support email]
Grievance Redressal Officer: Ankit, [ankit@kalqore.ventures]

17. Acknowledgment and Acceptance

By making a payment or purchasing a subscription on VidyaVriti, you acknowledge that:

You have read and understood this Payment Policy in its entirety
You agree to be bound by the terms of this Payment Policy
You understand the refund eligibility criteria and limitations
You authorize VidyaVriti to charge the subscription amount plus applicable taxes
You understand that subscription prices are subject to change with advance notice
You understand your payment information is processed securely by PCI DSS-compliant payment gateways
You understand that VidyaVriti does not store sensitive payment credentials
You are responsible for maintaining sufficient funds in your account for subscription payments
You will contact support for payment issues before initiating chargebacks or disputes

If you do not agree with any provision of this Payment Policy, you must not make any purchases on VidyaVriti.

18. Effective Date and Version

Effective Date: April 1, 2026
Version: 1.0
Last Updated: March 15, 2026
Next Scheduled Review: March 31, 2027 (or earlier if required)

Thank you for choosing VidyaVriti. We are committed to transparent, fair, and secure payment practices.

For payment questions or support, contact:

Support Email: [Insert support email]

Phone: [Insert support phone number]

Kalqore Ventures

This Payment Policy has been prepared in compliance with Indian financial, tax, and consumer protection laws. It is designed to ensure transparency, fairness, and legal compliance in all payment transactions.