Payment Policy

1. Accepted Payment Methods

We accept payments via major debit/credit cards, UPI, net banking and popular digital wallets, processed through our third-party payment gateway partner at checkout.

2. Payment Security

All payments are processed over an encrypted connection by our PCI-DSS compliant payment partner. We do not store your full card number, CVV or banking passwords on our servers at any time.

3. Pricing & Currency

Plan prices are displayed in Indian Rupees (₹) inclusive of applicable taxes unless stated otherwise. Prices may be revised from time to time; any change will not affect a billing cycle you have already paid for.

4. Subscription Billing

• Paid plans may be monthly or annual, as selected at checkout.
• Where auto-renewal is enabled, your chosen payment method will be charged automatically at the start of each new billing cycle unless you cancel beforehand.
• You will typically receive a reminder before a renewal charge is made, where required by law or payment-network rules.

5. Failed Payments

If a renewal payment fails, we may retry the charge or pause access to premium features until payment is completed. We will notify you by email if this happens.

6. Invoices & Receipts

A receipt is generated for every successful payment and is available from your account, or can be requested via Contact Us.

7. Refunds

Refund eligibility for payments made on HimanshJosh Junior is governed by our separate Refund Policy.

8. Disputes & Chargebacks

If you believe you were charged incorrectly, please contact us first via Contact Us so we can investigate before raising a chargeback with your bank — this helps resolve issues faster.

9. Changes to This Policy

We may update this Payment Policy periodically to reflect changes in our payment partners or applicable regulations.

10. Contact

For billing questions, reach us via our Contact Us page.