Terms and Conditions for Payment
Last Updated: 23-06-2025
These Terms and Conditions (“Terms”) govern the use of third-party payment gateways (such as Razorpay, PayPal, Stripe, etc.) by users (“you”, “user”, “customer”) of services offered by Happy Horizons Life (“we”, “our”, “us”). By making a payment through any of these gateways, you agree to be bound by these Terms.
1. Acceptance of Terms
By proceeding with a payment, you acknowledge that you have read, understood, and agreed to:
- These Terms and Conditions.
- Our general Terms of Service and Privacy Policy.
- The respective terms and policies of the selected payment gateway (Razorpay, PayPal, Stripe, etc.).
2. Payment Processing
- All payments are securely processed through trusted third-party gateways.
- We do not store or access your credit/debit card, UPI, bank, or wallet details.
- Upon successful payment, you will receive a confirmation email and receipt.
- Payment gateways are responsible for verifying your transaction and ensuring security compliance (such as PCI-DSS, SSL encryption).
3. Transaction Fees
- Some third-party gateways may charge a nominal processing fee which may be passed on to you.
- We will disclose any such fee at the time of checkout (if applicable).
4. Refunds and Cancellations
- We do not have refund policy.
- Happy Horizons Life is not responsible for delays or errors caused by the gateway provider.
5. Failed or Reversed Transactions
- If your payment fails or is reversed for any reason, the service or product associated with the transaction will not be delivered or will be put on hold.
- You are responsible for ensuring that the payment is successful and fully settled.
6. Disputes and Chargebacks
- In case of disputes or chargebacks, you must first contact our support team before escalating to the payment provider.
- Happy Horizons Life reserves the right to suspend or terminate services in the event of unresolved payment issues or fraudulent activity.
7. Compliance and Liability
- You agree to comply with all laws, regulations, and terms of the payment gateway provider.
- Happy Horizons Life is not liable for any direct or indirect loss or damages resulting from payment gateway failure, errors, or unauthorized access.
8. Modification of Terms
We reserve the right to modify these Terms at any time. Continued use of our services following such changes implies your acceptance of the revised Terms.
9. Contact Information
For any queries related to payments, please contact:
