Payment Policy

1. Payment Overview

This Payment Policy outlines the terms and conditions for all payments made to BABBROS LLP for our AI solutions and services. We use secure payment processing through Razorpay to ensure your financial information is protected at all times.

2. Accepted Payment Methods

• Credit & Debit Cards: Visa, MasterCard, American Express, RuPay — all processed via Razorpay's PCI DSS compliant platform
• UPI Payments: Google Pay, PhonePe, Paytm, BHIM, and all UPI-enabled apps — processed instantly and securely
• Net Banking: Direct payment from all major Indian bank accounts
• Digital Wallets: Paytm, PhonePe, Amazon Pay, and other supported wallets
• EMI Options: Available for larger purchases through our banking partners (terms apply)

3. Pricing and Billing

3.1 Service Pricing

3.2 Billing Cycles

• Monthly Subscriptions: Billed on the same date each month
• Annual Subscriptions: Billed once per year with a 20% discount
• One-time Payments: Charged immediately upon purchase
• Custom Solutions: Billed according to agreed project milestones

4. Payment Security

We use Razorpay, India's leading payment gateway, which provides:

• PCI DSS Level 1 compliance — the highest security standard
• 256-bit SSL encryption for all transactions
• Real-time fraud detection and prevention algorithms
• Secure card tokenization — we never store raw card data
• Real-time transaction monitoring and alerts

4.1 Data Protection

We do not store your payment information on our servers. All payment data is securely handled exclusively by Razorpay and their banking partners.

5. Failed Payments

If a payment fails, we will:

• Notify you immediately via email with details
• Provide alternative payment options
• Assist with troubleshooting payment issues
• Retry failed subscription payments up to 3 times before suspension

6. Currency and Taxes

6.1 Currency

All prices are displayed in Indian Rupees (INR). For international customers, amounts will be converted to your local currency at the prevailing exchange rate by your bank or payment processor.

6.2 Taxes

All applicable taxes including GST will be added to your invoice as per Indian tax regulations. Tax rates may vary based on your location and service type. GST invoices are provided for all business purchases.

7. Payment Terms

• Subscription Services: Payment due on billing date
• Custom Projects: Payment due as per agreed project milestones
• Consulting Services: Payment due within 15 days of invoice

7.1 Late Payment

Late payments may result in service suspension after 7 days and a late payment fee of 2% per month on outstanding amounts.

8. Refunds and Cancellations

Refund and cancellation policies are detailed in our Refund Policy. All refunds are processed through the same payment method used for the original transaction.

9. International Payments

• Payments accepted in major international currencies
• Currency conversion handled by Razorpay at live rates
• International transaction fees may apply (charged by your bank)
• Full compliance with international banking regulations

10. Payment Disputes

For payment disputes, please:

• Contact us at billing@babbros.com within 30 days of the disputed charge
• Include your order ID, transaction ID, and a clear description of the dispute
• Our billing team will respond within 2 business days
• Chargebacks should only be filed after contacting us directly first

11. Changes to This Policy

We reserve the right to modify this Payment Policy at any time. Changes will be communicated via email with at least 30 days notice for material changes affecting pricing.