PAYMENT POLICY

The Trubiz Retail Pvt. Ltd, owner of www.mijhola.com, hereinafter referred to as "MIJHOLA", will at no stage retain your credit card details as all transactions and payments will be handled directly by your banking facility.

While availing any of the payment method/s available on the our Website, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to:

  • 1. Lack of authorization for any transaction/s, or
  • 2. Exceeding the preset limit mutually agreed by you and between your "Bank/s", or
  • 3. Any payment issues arising out of the transaction, or
  • 4. Decline of transaction for any other reason/s.
  • 5. Fraudulent transaction of any nature from your credit card or debit card or through your Bank/s

All payments made against the purchases/services on the Website by you shall be compulsorily in Indian Rupees Acceptable in the Republic of India. Our Website will not aid any transaction with respect to any other form of currency with respect to any transaction made on Website.

Before shipping / delivering your order to you, directly or through the courier service, Mijhola representative may request you to provide supporting documents (including but not limited to Govt. issued ID and address proof) to establish the ownership of the payment instrument used by you for your purchase. This is done in the interest of providing a safe online shopping environment to our users.

Transactions, Transaction Price and all commercial terms such as Delivery, Dispatch of products are as per principal to principal bipartite contractual obligations between Buyer and Seller and payment facility is merely used by the Buyer and Seller to facilitate the completion of the Transaction. Use of the payment facility shall not render Mijhola liable or responsible for the non–delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the products and /or services listed on Mijhola’s Website.

You have categorically authorized Mijhola or its service providers to collect, process, facilitate and remit payments and / or the Transaction Price electronically or through Cash on Delivery to and from other Users in respect of transactions through Payment Facility. Your relationship with Mijhola is on a principal to principal basis and by accepting these Terms of Use you agree that Mijhola is an independent contractor for all purposes, and does not have control of or liability for the products or services that are listed on Mijhola’s Website that are paid for by using the Payment Facility. Mijhola does not guarantee the identity of any User nor does it ensure that a Buyer or a Seller will complete a transaction.

You understand, accept and agree that the payment facility provided by Mijhola is neither a banking nor financial service but is merely a facilitator providing an electronic, automated online electronic payment, receiving payment through Cash On Delivery, collection and remittance facility for the Transactions on the Mijhola Website using the existing authorized banking infrastructure and Credit Card payment gateway networks. Further, by providing Payment Facility, Mijhola is neither acting as trustees nor acting in a fiduciary capacity with respect to the Transaction or the Transaction Price.

Mijhola reserves the right to impose limits on the number of Transactions or Transaction Price which Mijhola may receive from on an individual Valid Credit/ Debit/ Cash Card / Valid Bank Account/ and such other infrastructure or any other financial instrument directly or indirectly through payment aggregator or through any such facility authorized by Reserve Bank of India to provide enabling support facility for collection and remittance of payment or by an individual Buyer during any time period, and reserves the right to refuse to process Transactions exceeding such limit.

Mijhola reserves the right to refuse to process Transactions by Buyers with a prior history of questionable charges including without limitation breach of any agreements by Buyer with Mijhola or breach / violation of any law or any charges imposed by Issuing Bank or breach of any policy.

Mijhola may do such checks as it deems fit before approving the receipt of Buyers commitment to pay (for Cash on Delivery transactions) Transaction Price from the Buyer for security or other reasons at the discretion of Mijhola. As a result of such check if Mijhola is not satisfied with the creditability of the Buyer or genuineness of the Transaction / Transaction Price, it will have the right to reject the receipt of / Buyers commitment to pay Transaction Price.

Mijhola may delay notifying the payment confirmation i.e. informing Seller to Dispatch, if Mijhola deems suspicious or for Buyers conducting high transaction volumes to ensure safety of the Transaction and Transaction Price. In addition, Mijhola may hold Transaction Price and Mijhola may not inform Seller to Dispatch or remit Transaction Price to law enforcement officials (instead of refunding the same to Buyer) at the request of law enforcement officials or in the event the Buyer is engaged in any form of illegal activity.

The Buyer acknowledge that Mijhola will not be liable for any damages, interests or claims etc. resulting from not processing a Transaction / Transaction Price or any delay in processing a Transaction / Transaction Price which is beyond control of Mijhola.

Mijhola shall make payments into the bank account provided by the Seller during Seller Registration process. Once Mijhola has made payments into such bank account number Mijhola shall be discharged of any/all liability towards the Seller and Seller shall not be eligible for any claims thereof.

Payment Facility for Buyers

You, as a Buyer, understand that upon initiating a Transaction You are entering into a legally binding and enforceable contract with the Seller to purchase the products and /or services from the Seller using the Payment Facility, and You shall pay the Transaction Price through Your Issuing Bank to the Seller using Payment Facility.

You, as a Buyer, may agree with the Seller through electronic communication and electronic records and using the automated features as may be provided by Payment Facility on any extension / increase in the Dispatch and/or Delivery time and the Transaction shall stand amended to such extent. Any such extension / increase of Dispatch / Delivery time or subsequent notation / variation of the Transaction should be in compliance with Payment Facility Rules and Policies.,/

You, as a Buyer, shall electronically notify Payment Facility using the appropriate Manhole Website features immediately upon Delivery or non Delivery within the time period as provided in Policies. Non notification by You of Delivery or non Delivery within the time period specified in the Policies shall be construed as a deemed Delivery in respect of that Transaction. In case of Cash on Delivery transactions, Buyer is not required to confirm the receipt of products or services.

You, as a Buyer, shall be entitled to claim a refund of the Transaction Price (as Your sole and exclusive remedy) in case You do not receive the Delivery within the time period agreed in the Transaction or within the time period as provided in the Policies, whichever is earlier. In case you do not raise a refund claim using Website features within the stipulated time than this would make you ineligible for a refund.

You, as a Buyer, understand that the Payment Facility may not be available in full or in part for certain category of products and/or services and/or Transactions as mentioned in the Policies and hence You may not be entitled to a refund in respect of the Transactions for those products and /or services

Except for Cash on Delivery transaction, refund, if any, shall be made at the same Issuing Bank from where Transaction Price was received. For Cash on Delivery transactions, refunds, if any, will be made via cheque/NEFT in favour of the Buyer (As per registration details provided by the Buyer) Refund shall be made in Indian Rupees only and shall be equivalent to the Transaction Price received in Indian Rupees. For electronics payments, refund shall be made through payment facility using NEFT / RTGS or any other online banking / electronic funds transfer system approved by Reserve Bank India (“RBI”).Refund shall be conditional and shall be with recourse available to Manhole in case of any misuse by Buyer. Refund shall be subject to Buyer complying with Policies.