Refund Policy

1. Amount once paid through the payment gateway shall not be refunded other than in the following circumstances:
   • Multiple times debiting of Customer’s Card/Bank Account due to technical error OR Customer's account being debited with excess amount in a single transaction due to technical error. In such cases, excess amount excluding Payment Gateway charges would be refunded to the Customer.
   • Due to technical error, payment being charged on the Customer’s Card/Bank Account but the enrolment for the examination is unsuccessful. Customer would be provided with the enrolment by NISM at no extra cost. However, if in such cases, Customer wishes to seek refund of the amount, he/she would be refunded net the amount, after deduction of Payment Gateway charges or any other charges.
2. The Customer will have to make an application for refund along with the transaction number and original payment receipt if any generated at the time of making payments.
3. The application in the prescribed format should be sent to Pulse Payment Technologies Private Limited. { “PAY IN TIME” }
4. The application will be processed manually and after verification, if the claim is found valid, the amount received in excess will be refunded by NISM through electronic mode in favor of the applicant and confirmation sent to the mailing address given in the online registration form, within a period of 21 calendar days on receipt of such claim. It will take 3-21 days for the money to show in your bank account depending on your bank’s policy.
5. Company assumes no responsibility and shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to any one or more of the following circumstances:
   • If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, and invalid and delayed.
   • If the Payment Account has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s).
   • If the funds available in the Payment Account are under any encumbrance or charge.
   • If your Bank or the NCC refuses or delays honoring the Payment Instruction(s).
   • Circumstances beyond the control of Company (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).
   • In case the payment is not effected for any reason, you will be intimated about the failed payment by an e-mail.
6. User agrees that Company, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate his/her account (or any part thereof) or use of the Services and remove and discard all or any part of his/her account, user profile, or his/her recipient profile, at any time. Company may also in its sole discretion and at any time discontinue providing access to the Services, or any part thereof, with or without notice. User agrees that any termination of his/her access to the Services or any account he/she may have or portion thereof may be effected without prior notice, and also agrees that Company will not be liable to user or any third party for any such termination. Any suspected, fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Company may have at law or in equity. Upon termination for any reason, user agrees to immediately stop using the Services.
7. Company may elect to resolve any dispute, controversy or claim arising out of or relating to this Agreement or Service provided in connection with this Agreement by binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996. Any such dispute, controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party.

Privacy Policy

Pulse Payment Technologies Private Limited (“Pay In Time”), having its registered address at Flat No. 202, Plot No. 119, Road No. 15B, Gopal Nagar Society, Hyderanagar, Hyderabad, Telangana – 500085 (hereinafter referred to as “Pay In Time”).

Pay In Time values your trust and respects your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored, and used by us.

You are advised to read this Privacy Policy carefully. By visiting Pay In Time’s website (www.payintime.in) and/or using our applications, you expressly consent to the use and disclosure of your personal information in accordance with this Privacy Policy.

If you do not agree to the terms of this policy, please do not use or access the Pay In Time website or mobile applications.

Note: Our Privacy Policy may change at any time without prior notification. Please review this policy periodically. This Privacy Policy applies uniformly to the Pay In Time desktop website and mobile applications.

General

Pay In Time will not sell, share, or rent your personal information to any third party and will not use your email address or mobile number for unsolicited emails and/or SMS.

Any emails and/or SMS sent by Pay In Time will only be in connection with the provision of agreed services and products or this Privacy Policy.

Periodically, Pay In Time may disclose general statistical information such as the number of visitors, services used, or transactions processed. Pay In Time reserves the right to disclose personal information in response to legal requirements.

Personal Information

Personal Information includes any information that can be linked to a specific individual or used to identify an individual, such as name, address, telephone number, email ID, credit or debit card details, cardholder name, card expiration date, mobile phone details, DTH service information, data card information, electricity connection details, or any other information voluntarily provided by the user.

When you browse Pay In Time, we may collect information such as domain details, host information, Internet Protocol (IP) address, Internet Service Provider (ISP) details, and anonymous website usage statistics.

Use of Personal Information

Pay In Time uses personal information to:

• Provide services and products explicitly requested by you
• Resolve disputes and troubleshoot issues
• Promote safe and secure services
• Collect payments
• Measure customer interest in our services
• Inform users about offers, products, services, and updates
• Customize user experience
• Detect and prevent fraud or other criminal activity
• Enforce our terms and conditions

We may also use your contact information to send offers based on your previous usage and interests.

Do We Use Cookies?

Yes. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your web browser (if you allow). Cookies help recognize your browser and remember certain information.

We use cookies to:

• Remember and process transactions through the Pay In Time account
• Understand and save user preferences for future visits
• Compile aggregate data about site traffic and interactions

You can choose to disable cookies through your browser settings. Disabling cookies may affect certain features and services on the website.

Links to Other Websites

Occasionally, we may include or offer third-party products or services on our website. These third-party sites have independent privacy policies, and Pay In Time is not responsible for their content or activities.

Security

Pay In Time follows strict security practices to protect your information against loss, misuse, and unauthorized access. Secure servers are used whenever you access or update your account information.

Consent

By using Pay In Time and/or providing your information, you consent to the collection, use, and sharing of your information in accordance with this Privacy Policy.

Terms of Service

Introduction

Payzimin is a brand name operated by RazoronePay Technology Private Limited. The Corporate Identification Number (CIN) of the company is U72900TG2022PTC159723 and its registered office is located in India.

The website provided by Payzimin Technology Private Limited is referred to as the brand name "Payzimin".

Access to and use of this website is subject to the following Terms and Conditions ("Terms"). Please read these Terms carefully, as they apply to all users of the website. A user may access services through this website only if he accepts and agrees to all the Terms.

Definitions

For the purpose of these Terms, the following words and phrases shall have the meanings assigned below:

Services mean the payment services provided by Payzimin Technology Private Limited and its service providers.

User means any person registered on the Payzimin platform who uses the website and services to make payments to third parties.

Payee means any person to whom a payment is made using the services.

Payer means any person making a payment using the services.

Product means goods or services offered through the services.

Service Provider means banks, financial institutions, card networks, payment processors or other providers whose services are utilized.

Transaction means a payment instruction resulting in transfer of funds from a user to a payee.

Transaction Amount means the total amount payable or receivable including taxes, fees, commissions and charges.

Eligibility

The website and services are intended only for individuals who are 18 years of age or older and capable of forming legally binding contracts under Indian law.

By using the website, the user represents and warrants that he is legally competent and authorized to use the services.

Registration

To use the services, a user must register with Payzimin Technology Private Limited and provide accurate, complete, and current information.

Upon registration, a user account will be created. The user is solely responsible for all activities conducted through the account.

Use of Services

The service may be used for making payments to third parties. Login credentials provided to the user must be kept confidential.

Users must notify Payzimin immediately if they suspect unauthorized use of their account.

User Obligations

• Provide accurate and correct information.
• Not engage in illegal, prohibited, or immoral activities.
• Comply with applicable laws and service provider guidelines.
• Ensure payments are not made for banned products.
• Maintain confidentiality of login information.
• Protect system security and privacy mechanisms.
• Pay all applicable taxes and statutory dues.
• Notify changes in contact or business details in advance.

Fees

Users shall pay service fees as agreed under the merchant agreement or as communicated by Payzimin Technology Private Limited.

The company reserves the right to revise fees due to changes imposed by banks, networks, or regulatory authorities.

Specific Terms

Payzimin Technology Private Limited acts only as a payment processor and is not responsible for disputes between users and payees.

Payment timelines depend on banks and service providers and any delay shall not be considered the company's liability.

Security

The user is responsible for all authorized and unauthorized transactions conducted through their account.

Termination

The company reserves the right to terminate or suspend services if misuse or breach of Terms is suspected.

Indemnity

The user agrees to indemnify and hold harmless Payzimin Technology Private Limited against any claims, damages, or liabilities arising from breach of these Terms.

Confidentiality

Users shall not disclose confidential information shared through the website or services unless required by law.

Intellectual Property Rights

All content, trademarks, logos, and materials on the website are the intellectual property of Payzimin Technology Private Limited and may not be used without written consent.

Contact Information

For questions regarding these Terms and Conditions, please contact us at: info@payzimin.in