1. Once a User has accepted these Terms and Conditions, he/ she may register and avail the Services.
2. In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled credit card or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider's accounts, if any) by the acquiring bank or credit card company for any reason whatsoever, together with the bank fees, penalties and other charges incidental thereto.
3. Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment,, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:

• In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact  via e-mail or any other mode of contact as provided by  the website to confirm payment.
•  In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment.
• However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider  No communication received by the Payment Service Provider(s) in this regards  shall be entertained by the Payment Service Provider(s).

4. The Company and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:

• The delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Payment Gateway or Services in connection thereto; and/ or
• Any interruption or errors in the operation of the Payment Gateway.

5. The User agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that the Company or the Payment Service Provider(s) have no control over such matters. 
6. Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, the Company does not represent or guarantee that the use of the Services provided by/ through it will not result in theft and/or unauthorized use of data over the Internet.
7. The Company, the Payment Service Provider(s) and its affiliates and associates shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the Website.
8. The User will be required to login his/ her own User ID and Password, given by the Company in order to register and/ or use the Services provided by Company on the Website. By accepting these Terms and Conditions the User aggress that his/ her User ID and Password are very important pieces of information and it shall be the User’s own responsibility to keep them secure and confidential. In furtherance hereof, the User agrees to;

• Choose a new password, whenever required for security reasons.
• Keep his/ her User ID & Password strictly confidential.
• Be responsible for any transactions made by User under such User ID and Password.

Debit/Credit Card, Bank Account Details
 1. The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.
2. The User may pay his/ her fees to the Company by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details:

• The User is fully and lawfully entitled to use such credit / debit card, bank account for such transactions;
• The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate;
• The User is authorizing debit of the nominated card/ bank account for the payment of fees selected by such User along with the applicable Fees.
• The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

Refund & Cancellation Policy

Our focus is complete customer satisfaction. In the event, if you are displeased with the services provided, we will refund back the money, provided the reasons are genuine and proved after investigation. Please read the fine prints of services before register with us. It provides all the details about the services or the product you purchase. Please be sure of the inclusions for the said package and costs of upgradations. There could be certain services which are non-refundable in nature once you have accessed information on the website, you have been promoted on the site or our other platforms in any way and the payment could have been for the access or promotion itself. All time period based membership plans on the website would be completely non-refundable after the initial 7 days period, in-case the user has not been able to log in or has not accessed any data or has not been marketed, promoted or showcased within these 7 days.

In case of dissatisfaction from our services, clients have the liberty to request a refund from us. Our Policy for the cancellation and refund will be as follows:

Cancellation Policy

For Cancellations please contact us via email to info@cgapibilaspur.org.in

All refund requests to be made within 2 working days of availing the said services.

Requests received later than 7 business days prior to the end of the current service period will be treated as cancellation of services for the next service period.

Refund Policy

We will try our best to offer the said services for our clients. Certain services could be under up-gradation. Check on the date you are making the payments as only those services will be provided as are currently functional and there would be no guarantees for any future services - features to be provided.

In case any client is not completely satisfied with services that are to be provided in the future, we cannot provide a refund for the same. However, if they are not satisfied fully from the current services and they meet the above criterions, we can provide a refund for the same.

If paid by credit card, refunds will be issued to the original credit card provided at the time of purchase and in case of payment gateway name payments refund will be made to the same account.