💳 Payment & Refund Policy

SK Brand Tech - WhatsApp Business Solutions

1. Payment Gateway

SK Brand Tech uses Razorpay as our secure payment gateway partner. Razorpay is:

• ✅ PCI-DSS Level 1 Certified (highest security standard)
• ✅ RBI Authorized Payment Aggregator
• ✅ 256-bit SSL/TLS encrypted transactions
• ✅ Compliant with Indian payment regulations
• ✅ Trusted by 8+ million businesses worldwide

2. Accepted Payment Methods

3. Pricing & Billing

3.1 Service Plans

SK Brand Tech offers the following service tiers:

Plan Type	Billing Cycle	Price Range	Features
Starter	Monthly	₹5,000 - ₹10,000	Basic WhatsApp API, 1000 messages/month
Professional	Monthly/Quarterly	₹15,000 - ₹25,000	Advanced features, 5000 messages/month
Enterprise	Monthly/Annual	₹30,000+	Custom solutions, unlimited messages
One-Time Setup	One-time	₹10,000 - ₹50,000	Installation, configuration, training

Note: Actual pricing depends on your specific requirements. Contact us for a custom quote.

3.2 What's Included in Pricing

• ✅ WhatsApp Business API access
• ✅ Message template creation and management
• ✅ Dashboard access
• ✅ Customer support
• ✅ Analytics and reporting
• ✅ Software updates

3.3 Additional Costs

• WhatsApp Conversation Charges: As per Meta's pricing (₹0.67 - ₹4.65 per conversation)
• GST: 18% GST applicable on all services (as per Indian tax laws)
• Custom Development: Quoted separately based on requirements
• SMS Fallback: ₹0.20 - ₹0.50 per SMS (if opted)

4. Billing & Invoicing

4.1 Subscription Billing

• Advance Payment: All subscriptions are billed in advance
• Auto-Renewal: Subscriptions automatically renew unless canceled
• Renewal Notice: We send reminder 7 days before renewal
• Grace Period: 3 days grace period for payment delays

4.2 Invoice Details

Every payment generates a GST-compliant invoice containing:

• Invoice number and date
• Your business details (as provided)
• SK Brand Tech's GST information
• Itemized charges
• GST breakdown (CGST/SGST or IGST)
• Total amount paid

Invoices are automatically emailed to your registered email address within 24 hours of payment.

4.3 Payment Receipts

You will receive:

• ✅ Instant payment confirmation via email
• ✅ SMS confirmation on registered mobile
• ✅ Payment receipt from Razorpay
• ✅ GST invoice from SK Brand Tech (within 24 hours)

5. Payment Terms

5.1 Payment Due Dates

• Subscriptions: Due on the 1st of each billing period
• One-Time Services: 50% advance, 50% on completion
• Custom Projects: As per project agreement
• Overdue Payments: Service suspended after 3 days grace period

5.2 Late Payment

5.3 Failed Payments

If auto-renewal payment fails:

1. Immediate email notification sent
2. Retry automatic payment after 24 hours
3. Second retry after 48 hours
4. Manual payment required if both retries fail
5. Service suspension after grace period

6. Refund Policy

6.1 Refund Eligibility

Scenario	Refund	Conditions
Service not activated	100%	Within 7 days of payment
Technical issue (our fault)	Pro-rated	Verified technical failure
Unused subscription days	Pro-rated	For annual plans only, after 30 days
Setup fee	50%	Before implementation starts
Completed services	No refund	Services already delivered
Change of mind	No refund	After service activation

6.2 Non-Refundable Items

• ❌ WhatsApp conversation charges (paid to Meta)
• ❌ Completed setup and onboarding
• ❌ Custom development already delivered
• ❌ Third-party service fees
• ❌ Processing fees and GST
• ❌ Promotional discounts redeemed

6.3 How to Request a Refund

1. Contact Support: Email refund@skbrandtech.com or contact@skbrandtech.com
2. Provide Details:
   • Invoice number
   • Payment date and amount
   • Reason for refund request
   • Supporting documentation (if applicable)
3. Review Process: We review within 3-5 business days
4. Decision: You'll receive approval or rejection via email
5. Refund Processing: Approved refunds processed within 7-10 business days

6.4 Refund Timeline

• Credit/Debit Cards: 5-7 business days
• Net Banking: 5-7 business days
• UPI: 2-3 business days
• Wallets: 2-3 business days

Note: Actual refund timing may vary depending on your bank's processing time.

7. Cancellation Policy

7.1 Monthly Subscriptions

• Cancel anytime from your dashboard
• No cancellation fee
• Service continues until end of paid period
• No refund for remaining days in monthly plans
• Auto-renewal stops automatically

7.2 Annual Subscriptions

• 30 days notice required
• Pro-rated refund after first 30 days (minus 20% processing fee)
• No refund in first 30 days unless service not activated
• Data export available before account closure

7.3 How to Cancel

1. Log in to your dashboard
2. Go to Settings → Billing
3. Click "Cancel Subscription"
4. Select reason (optional)
5. Confirm cancellation
6. Receive confirmation email

Or contact: billing@skbrandtech.com or contact@skbrandtech.com

8. Security & Fraud Prevention

8.1 Payment Security

• ✅ All transactions encrypted with 256-bit SSL
• ✅ Razorpay PCI-DSS Level 1 compliance
• ✅ 3D Secure authentication for cards
• ✅ Real-time fraud detection
• ✅ Two-factor authentication for account access

8.2 We Never Ask For

8.3 Reporting Suspicious Activity

If you notice any unauthorized transactions or suspicious activity:

• Contact us immediately: security@skbrandtech.com
• Call: +91-8208020832
• Report to your bank
• File a police complaint if necessary

9. Taxes & Compliance

9.1 GST (Goods and Services Tax)

• Rate: 18% GST on all services
• CGST + SGST: For Maharashtra customers (9% + 9%)
• IGST: For customers outside Maharashtra (18%)
• GST Number: Displayed on all invoices
• Input Tax Credit: Eligible customers can claim ITC

9.2 TDS (Tax Deducted at Source)

If you're required to deduct TDS:

• Inform us before payment
• Deduct as per applicable Section (194J, etc.)
• Provide TDS certificate within 15 days
• Pay balance amount after TDS deduction

10. Disputes & Resolution

10.1 Payment Disputes

If you dispute a charge:

1. Contact us within 7 days: billing@skbrandtech.com
2. Provide transaction details and reason
3. We investigate within 5 business days
4. Resolution communicated via email

10.2 Chargeback Policy

Before initiating a chargeback with your bank:

• Contact us first - most issues resolved quickly
• Chargebacks may result in account suspension
• We reserve the right to dispute unjustified chargebacks
• Chargeback fees may be charged for frivolous claims

11. Contact Information

12. Changes to This Policy

We may update this Payment & Refund Policy periodically. Changes will be notified via:

• Email to registered users
• Notice in your dashboard
• Website announcement

Continued use of services after changes constitutes acceptance.

13. Related Policies

• Privacy Policy - How we protect your data
• Terms of Service - Service agreement
• Razorpay Privacy Policy - Payment gateway privacy
• Razorpay Terms - Payment gateway terms