Payment Policy

This Payment Policy governs all financial transactions conducted on or through www.hidelifestyle.in. All payment processing is handled by Razorpay Financial Solutions Pvt. Ltd. ("Razorpay"), our PCI-DSS Level 1 certified payment gateway partner, except where otherwise specified for corporate orders. We do not collect, store, or have access to your full card numbers, CVV, UPI PINs, net banking passwords, or any other sensitive payment credentials.

• All payment pages on our Website are secured with industry-standard SSL/TLS encryption. You can verify this by checking for the padlock icon and "https://" prefix in your browser's address bar before entering any payment information.
• We do not store, log, or have access to your full card numbers, CVV codes, UPI PINs, net banking passwords, or any other sensitive payment authentication credentials. All such data is processed directly and securely by Razorpay within their PCI-DSS Level 1 certified infrastructure.
• Razorpay employs 3D Secure (3DS) authentication for card transactions where supported by your card issuer, providing an additional layer of verification through a one-time password (OTP) or biometric authentication.
• Razorpay uses advanced machine-learning based fraud detection algorithms, velocity checks, device fingerprinting, and risk-based authentication to identify and prevent fraudulent transactions.
• Our Website is regularly tested for common web security vulnerabilities including SQL injection, cross-site scripting (XSS), and cross-site request forgery (CSRF).

IMPORTANT SECURITY NOTICE: We will never ask for your OTP, UPI PIN, CVV, net banking password, or full 16-digit card number through any channel including email, WhatsApp, phone calls, or SMS. If you receive any such request purporting to be from Hide Lifestyle, treat it as a phishing attempt and report it to cybercrime.gov.in and to us at info@hidelifestyle.in.

• All product prices on the Website are denominated in Indian Rupees (INR). All transactions are processed and settled in INR.
• For users accessing the Website from outside India, your credit card issuer, bank, or payment provider may apply currency conversion fees or foreign exchange charges. These charges are your responsibility and are not factored into our pricing.
• All prices include GST at the applicable rate unless expressly stated otherwise. The specific GST rate applied to a product will be visible in your order summary and GST invoice.

• Upon successful completion of payment, Razorpay will display a payment success confirmation on screen and may send a payment acknowledgement to your registered email or mobile number. This is a payment receipt, not an Order Confirmation from Hide Lifestyle.
• An Order Confirmation from Hide Lifestyle will be sent to your registered email address within 1–2 hours of successful payment, confirming that we have accepted your order for fulfillment.
• A GST-compliant tax invoice will be generated and sent to your registered email address within 24–48 hours of Order Confirmation. Invoices are issued electronically and are legally valid for GST purposes.
• Invoice copies are also accessible through your account under Profile > Orders on the Website.

E.5.1 Common Reasons for Payment Failure

• Insufficient account balance, card credit limit, or wallet balance
• Card or UPI not enabled for online transactions by your bank (contact your bank to enable)
• Incorrect card details, expiry date, CVV, or UPI ID entered
• Bank-side OTP not entered within the time limit (OTPs expire within 3–5 minutes)
• Bank or payment provider temporarily blocking the transaction for fraud prevention (contact your bank if legitimate)
• Card blocked, expired, or reported lost/stolen
• Technical error on the payment gateway or your bank's server

E.5.2 Authorization Holds

If your payment appears to have failed at checkout but an amount has been deducted from your bank account or card, this is typically a temporary authorization hold placed by your bank, not an actual deduction by us. Authorization holds are automatically released by your bank within 5–10 business days if the corresponding payment is not captured. The actual timeline depends on your bank's internal processes.

E.5.3 Payment Debited but Order Not Confirmed

If your account shows a debit but you did not receive an Order Confirmation email from us, please email info@hidelifestyle.in immediately with: (a) your name and registered email address; (b) the date and approximate time of the transaction; (c) the exact amount debited; (d) your bank transaction reference number (UTR/transaction ID); and (e) a screenshot of the bank debit if available. We will investigate with Razorpay and respond within 2 business days. If the payment was received on our end, we will confirm and process your order. If not, and your bank confirms the debit, we will work with Razorpay to resolve the discrepancy.

• Approved refunds are initiated by us through Razorpay's refund system to the original payment instrument. Razorpay processes the refund instruction within 1–2 business days of our initiation.
• The time for the refund to reflect in your account thereafter depends on your payment provider: UPI and wallets (1–3 days); net banking (3–5 days); debit cards (5–7 days); credit cards (7–10 days, and may appear only in your next billing statement).
• Once a refund is initiated, you will receive a notification from us with the refund reference number. Use this number when following up with your bank if the credit does not appear within the expected timeline.
• Refunds to international cards or accounts may take longer depending on the international payment network's processing timelines.

• EMI options are offered through your participating credit card bank in partnership with Razorpay. The availability of EMI, applicable interest rates, processing fees, and tenure options are determined entirely by your bank and may vary by card and transaction value.
• Check EMI eligibility at the checkout payment screen by selecting the EMI option and entering your card details.
• If an EMI order is fully or partially cancelled or returned: (a) the applicable refund amount will be processed per Section D.4; (b) the EMI loan will be cancelled or adjusted as per your bank's EMI cancellation policy; (c) any processing fees, pre-closure charges, or GST on finance charges levied by your bank in connection with the EMI are not refundable by us.

• BNPL options are offered through third-party fintech platforms (Lazypay, ZestMoney, Simpl, Flexipay, etc.) integrated with Razorpay at checkout.
• BNPL eligibility, credit limits, repayment schedules, and interest/fee structures are determined independently by the BNPL provider and are subject to their terms and conditions.
• By using a BNPL option, you enter into a separate credit arrangement with the BNPL provider. Hide Lifestyle is not a party to that arrangement and is not responsible for any fees, penalties, or credit consequences arising from it.
• Refunds on BNPL-paid orders will be credited to your BNPL account as per the provider's refund processing policy.

• Hide Lifestyle is a GST-registered entity. All sales are subject to applicable GST rates as per the Goods and Services Tax Act, 2017.
• GST invoices (B2C) are issued electronically for all retail orders and sent to your registered email address. These are valid for all consumer GST purposes.
• For B2B buyers (companies, LLPs, etc.) requiring a GST invoice with GSTIN for Input Tax Credit (ITC) claims, your valid GSTIN must be provided at the time of placing the order. Invoices cannot be amended post-issuance to include GSTIN due to GST return filing cycles.
• Reverse Charge Mechanism (RCM), e-invoicing, and other GST compliance requirements specific to your business are your responsibility. We comply with our obligations as a supplier under the GST Act.
• HSN/SAC codes applicable to our products will be reflected on the invoice as required by the GST Act.

• If you believe a transaction on your bank or card statement attributed to "Hide Lifestyle" or "Razorpay" is unauthorized, incorrect in amount, or fraudulent, please contact us first at info@hidelifestyle.in before initiating a formal chargeback with your bank.
• We request this because: (a) many transaction queries can be resolved faster through us than through formal chargeback processes; (b) incorrectly raised chargebacks can cause delays in genuine cases.
• If you raise a chargeback with your bank without first contacting us, we reserve the right to: (a) provide your bank with full evidence of the transaction, including order details, shipment proof, and delivery confirmation; (b) contest the chargeback where we have fulfilled our obligations; (c) suspend your account pending investigation.
• Intentional or fraudulent chargebacks on fulfilled orders are a violation of these Terms and may result in permanent account suspension and recovery proceedings.