Payment Policy

This Payment Policy applies to all payments made to BetaZen Infotech Private Limited (CIN U62099WB2023PTC265741) for any service, subscription, product, paid appointment or digital certificate offered through betazeninfotech.com or the "BetaZen Pay" checkout, whether paid online through a payment gateway or offline by bank transfer against an invoice. Our services include, without limitation: custom web and software development (including WordPress), mobile app development, AI/ML solutions, cloud and DevOps, UI/UX design, digital marketing, WhatsApp marketing, and technology consulting. Our products are digital or subscription (SaaS) based. There are no physical goods and no physical shipping. By initiating or completing a payment, you confirm that you are authorised to use the chosen payment method and that the information you provide is accurate, current and complete. If any term here conflicts with a separately signed Service Agreement, the signed agreement will prevail for that engagement.

We accept payments through secure, third-party payment gateways and by bank transfer for invoiced amounts. Accepted methods include: • UPI (Unified Payments Interface) • Credit cards and debit cards • Net banking • Mobile wallets • Bank transfer / NEFT / RTGS / IMPS against a raised invoice Online card, UPI, net banking and wallet payments are processed by PCI-DSS-compliant third-party payment gateways. Bank and NEFT transfers are typically used for milestone-based project invoices and larger amounts. The availability of any particular method may vary by transaction, amount, country or gateway, and we may add or withdraw methods at any time without prior notice.

Payments are billed and collected primarily in Indian Rupees (INR). For international clients, we may issue invoices and accept payment in US Dollars (USD) or another agreed currency, as stated on the applicable quotation or invoice. Where a currency other than INR is used, the applicable amount, exchange reference and any conversion terms will be specified on the invoice. Unless expressly stated otherwise, all amounts are exclusive of taxes, and applicable taxes are added at the rates in force on the date of invoice.

Prices for our services are provided by way of a written quotation, proposal or statement of work, or through the plan pricing displayed at checkout for subscriptions and paid appointments. • A quotation is valid only for the period stated on it; if no period is stated, it is valid for 30 days from its date. • Prices are based on the scope, deliverables and assumptions recorded at the time of quotation. Any change in scope, additional features, or third-party costs (such as licences, hosting, domains or API usage) may require a revised quotation. • Displayed subscription and product prices may be revised from time to time; the price applicable to you is the price in effect when your order or renewal is processed. We make reasonable efforts to keep pricing accurate. If a manifest pricing error occurs, we may decline or cancel the affected order and refund any amount already collected in accordance with our Refund Policy.

All fees are exclusive of taxes unless stated otherwise. Goods and Services Tax (GST) is charged at 18%, or such other rate as applicable under Indian law, in addition to the quoted or displayed amount. • Tax invoices are issued in accordance with the applicable GST provisions and will reflect our GST details where required. • Where you are required under Indian law to deduct tax at source (TDS) on payments to us, you may do so at the applicable rate, provided you furnish a valid TDS certificate within the statutory timeline. TDS may be adjusted only against the fee component and not against GST. • For international clients, any taxes, duties or withholdings imposed by your jurisdiction are your responsibility unless expressly agreed otherwise in writing. You are responsible for providing accurate tax registration and billing details. We are not liable for tax credits lost due to incorrect information supplied by you.

For development and other project-based engagements, fees are payable in milestones as set out in the applicable quotation or Service Agreement. Unless agreed otherwise in writing, our standard schedule is 40% as an advance to commence work, 30% at the agreed mid-project milestone, and the remaining 30% before final delivery/handover. • The initial instalment is payable in advance before work commences and constitutes your confirmation to proceed. • Subsequent instalments become due on completion of the relevant milestones or as scheduled on the invoice. • The final instalment is payable before final delivery, deployment, handover of source code or transfer of production credentials, unless stated otherwise. Advance and milestone payments are non-refundable except as expressly provided in our Refund Policy and Cancellation Policy. Delivery, handover and acceptance are governed by our Delivery Policy and the applicable Service Agreement Policy.

Our digital products and subscription (SaaS) plans are billed in advance for each billing cycle (for example, monthly or annually), as stated at checkout. • Access to a paid plan begins after successful payment for the then-current cycle. • Unless you cancel before the renewal date, eligible plans renew automatically for a further cycle of the same duration, and the applicable charge is collected using your selected payment method at the then-current price. • We may attempt to notify you of upcoming renewals or price changes where reasonably practicable; however, it is your responsibility to manage your plan and cancel in time if you do not wish to renew. • Cancellation stops future renewals but does not, by itself, entitle you to a refund of the current cycle except as provided in our Refund Policy and Cancellation Policy. Particular subscriptions may carry additional plan-specific terms disclosed at the point of purchase.

We issue an invoice and/or a payment receipt for amounts payable to us. • For online payments, an electronic receipt or confirmation is generated on successful completion of the transaction. • For project engagements, invoices are raised per the agreed milestones and are payable by the due date stated on the invoice. • Invoices are sent to the email address you provide; you must keep your billing contact details current. If you believe an invoice is incorrect, you must notify us in writing within 7 days of its date, failing which the invoice will be treated as accepted. Duly issued electronic invoices and receipts are valid for accounting and tax purposes.

Timely payment is essential to enable us to deliver services without interruption. Any amount not paid by its due date is overdue. • Overdue amounts may attract interest at 1.5% per month, calculated from the due date until the date of actual payment. • We reserve the right to suspend, pause or withhold work, deliverables, deployments, access, support, or the release of source code and credentials until all overdue amounts (including any accrued interest) are cleared. • Repeated or prolonged non-payment may result in termination of the engagement in accordance with the applicable Service Agreement Policy, without prejudice to our right to recover amounts due. You will be responsible for the reasonable costs of collection where recovery of overdue amounts becomes necessary. Suspension for non-payment does not relieve you of your payment obligations.

We take the security of payments seriously and rely on reputable third-party payment gateways that are PCI-DSS compliant to process card, UPI, net banking and wallet transactions. • Sensitive payment details, such as full card numbers and CVV, are collected and processed directly by the payment gateway on its secure infrastructure. BetaZen Infotech does not store your full card number or CVV. • Payment data handled by the gateway is subject to the gateway's own security standards and privacy terms. • Our handling of the personal data we do receive is described in our Privacy Policy and is carried out in accordance with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000 (and rules thereunder). While we and our gateway partners implement strong safeguards, no method of electronic payment or transmission is completely secure, and you share payment information at your own discretion.

When you make a payment, you authorise us and our payment gateway to charge the applicable amount to your chosen payment method. • Transactions may be subject to verification, authentication (such as OTP or 3-D Secure) and fraud-screening checks by the gateway, your bank or the card network. • We or the gateway may decline, delay, hold or reverse a transaction that appears unauthorised, suspicious, high-risk or non-compliant with applicable law. • We may request additional information to verify your identity or the legitimacy of a transaction, and may withhold delivery until such verification is completed. You must only use payment instruments that you are lawfully authorised to use. Any misuse, fraud or unauthorised use is your responsibility and may be reported to the relevant authorities.

A payment is complete only when it is successfully authorised and confirmed by the payment gateway or received in our bank account. • If a transaction fails or is declined, no service, subscription access or deliverable is provided for that transaction, and you may retry using a valid method. • Occasionally an amount may be debited from your account while the transaction shows as failed or pending. In most such cases, the amount is automatically reversed by your bank or the gateway within a few business days. • If you are charged more than once for the same order (a duplicate charge), the excess amount will be refunded to the original payment method after verification. To report a failed, pending or duplicate charge, contact us with your transaction reference, date, amount and payment method. Verified refunds are processed within 7 to 10 business days in accordance with our Refund Policy.

If you have a concern about a charge, please contact us first so that we can review and resolve it promptly. Initiating a chargeback or payment dispute with your bank or card network without first contacting us delays resolution. • We reserve the right to contest any chargeback that we believe is invalid, including by submitting transaction records, communications and evidence of services rendered or access provided. • Where a chargeback is raised in respect of services that were duly delivered, or a subscription that was duly provided, we may suspend or terminate the related services and account, and pursue recovery of the disputed amount together with any associated fees. • Amounts genuinely owed to you will always be handled under our Refund Policy. Raising a chargeback does not, by itself, cancel your obligations under any Service Agreement or subscription.

Where you pay in a currency other than the currency of your account, or make an international payment, additional charges may apply that are outside our control. • Your bank, card issuer or wallet provider may apply currency conversion at their own exchange rate, along with foreign-transaction, cross-border or processing fees. • Intermediary or correspondent bank charges may apply to international bank transfers. Unless expressly agreed otherwise, such charges are borne by you, and the net amount received by us must equal the invoiced amount. • Any difference arising solely from exchange-rate fluctuation or third-party bank charges is not our responsibility. If you are unsure about conversion rates or fees, please check with your bank or payment provider before making payment.

This Payment Policy governs how payments are collected and processed. Whether an amount is refundable, and on what conditions, is governed by our Refund Policy and Cancellation Policy. • Eligible refunds for digital products are generally subject to a 7 (seven) days refund window and are processed within 7 to 10 business days to the original payment method, as detailed in our Refund Policy. • Cancellation of subscriptions, projects and paid appointments is governed by our Cancellation Policy. • Timelines, milestones, handover and acceptance of deliverables are governed by our Delivery Policy and the applicable Service Agreement Policy. Where these policies interact, they are intended to be read together; in case of conflict on a payment matter, this Payment Policy applies to the mechanics of payment, and the Refund Policy applies to eligibility for refunds.

This Payment Policy is governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with a payment shall first be attempted to be resolved amicably between the parties. Failing amicable resolution, the dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Kolkata, the proceedings shall be conducted in English, and the award shall be final and binding on the parties. Subject to the arbitration provision above, the courts at Kolkata, West Bengal, India shall have exclusive jurisdiction.

If you have any questions about this Payment Policy, an invoice or a specific transaction, please contact us and we will be glad to assist. • Email: info@betazeninfotech.com • Alternate email: connect@betazeninfotech.com • Phone / WhatsApp: +91 78900 00199 • Address: 1/A, 603, 6th Floor, Saltee Plaza 1, Khudiram Bose Sarani, near ILS Hospital, K.B. Sarani, Arjunpur, Kaikhali, Kolkata, West Bengal 700028 When contacting us about a payment issue, please include your transaction reference or invoice number, the date, the amount and the payment method used, so that we can resolve your query as quickly as possible.