Card EMI & Payment Policy

Welcome to Customized Bridal Kaleera at https://customizedbridalkaleera.com/. We are committed to providing our customers with a secure, convenient, and transparent shopping experience. This policy explains the terms applicable to customers who choose to make purchases using Card EMI options or other available payment methods on our website.

Our registered office is located at:

E-11/A, Lajpat Nagar-2, New Delhi-110024, India

By using our website and completing a purchase, you agree to the terms described below.

1. Privacy Assurance

We respect the privacy of our customers and are committed to protecting the personal information provided while browsing our website, placing an order, or making a payment.

Information such as your name, contact details, billing and shipping address, order information, and payment-related information may be collected when necessary to process and fulfill your order.

Any information provided during an EMI transaction is handled responsibly and used for legitimate purposes, including:

• Processing and confirming your order
• Verifying payments and transactions
• Arranging product delivery
• Providing customer support
• Preventing fraudulent or unauthorized transactions
• Improving our website and shopping experience

We do not sell your personal information to third parties. Information may be shared with banks, payment gateways, courier partners, service providers, or government and regulatory authorities where necessary to process your transaction or comply with applicable laws and regulations.

2. Eligibility for Card EMI

Card EMI availability depends on the customer’s card, issuing bank, payment gateway, and the terms applicable to the selected EMI option.

To use a Card EMI facility, customers may be required to:

• Be 18 years of age or older
• Hold a valid card issued by an eligible Indian bank or financial institution
• Have a card that supports EMI transactions
• Meet the eligibility requirements established by the respective bank or payment provider
• Provide valid identification or KYC information if requested for verification

International cards may be accepted for regular purchases where supported by our payment gateway; however, EMI facilities may only be available for eligible Indian-issued cards.

EMI approval is determined by the respective bank or payment service provider. We do not guarantee that every customer or transaction will qualify for an EMI facility.

3. Payment Terms

All applicable prices and transactions on our website are processed in Indian Rupees (INR) unless otherwise stated.

When you select an EMI option, the applicable tenure, interest rate, processing fee, and other charges will be determined by the respective bank, card issuer, or payment gateway.

EMI terms may vary depending on:

• The card-issuing bank
• Card type
• Transaction amount
• Selected EMI tenure
• Applicable interest rates
• Processing or convenience fees
• Promotional offers available at the time of purchase

We do not control or determine EMI approval, interest rates, processing fees, or other charges imposed by banks or payment service providers.

For high-value transactions, including orders exceeding ₹2,00,000, additional verification may be required before the order is processed. This verification may include government-issued identification and address proof where reasonably required for transaction security.

4. Data Security

We take reasonable steps to protect the information submitted through our website.

Appropriate security measures, including SSL encryption, may be used to help protect information transmitted between your device and our website.

Customers are also responsible for providing accurate information and using the website responsibly. You must not:

• Attempt unauthorized access to our website or systems
• Attempt to bypass or interfere with website security
• Introduce malicious software or harmful code
• Provide false or misleading information
• Use another person’s payment details without authorization
• Engage in fraudulent or unauthorized transactions

Any suspected fraudulent, unauthorized, or unlawful activity may result in the cancellation or suspension of an order and may be reported to the appropriate authorities where required.

5. Product & Order Information

Before completing a purchase using EMI or any other payment method, customers are advised to carefully review all available product and order information.

Please ensure that you have checked:

• Product description and specifications
• Product price
• Available payment and EMI options
• Applicable charges
• Billing information
• Shipping address
• Estimated delivery timeline
• Applicable return, refund, cancellation, and exchange terms

Customers are responsible for providing complete and accurate billing and shipping information at the time of placing an order.

If an order cannot be delivered because of an incorrect, incomplete, or inaccurate address or contact information provided by the customer, additional shipping or re-delivery charges may apply.

6. Order Confirmation & Delivery Notifications

Once an order has been successfully placed and the payment has been confirmed, we may send order-related notifications to the email address or phone number provided by the customer.

These notifications may include:

• Order confirmation
• Payment confirmation
• Order processing updates
• Estimated delivery information
• Shipping and tracking details
• Other communications relating to your order

Delivery timelines may vary depending on the product, destination, courier service, holidays, weather conditions, transportation issues, or other circumstances beyond our reasonable control.

We shall not be responsible for delays caused by natural disasters, courier disruptions, strikes, government restrictions, transportation problems, public holidays, or other unforeseen circumstances.

7. Cancellation & Refunds for EMI Transactions

Cancellation and refund requests are subject to our applicable cancellation, return, refund, and exchange policies.

Where a refund is approved, it will generally be processed through the original payment method used for the transaction, subject to the procedures and processing timelines of the relevant payment gateway or bank.

For purchases made using Card EMI, the timing and manner in which the refunded amount is reflected in the customer’s account may depend on the card-issuing bank or financial institution.

Any interest, processing fee, convenience fee, or other charges imposed by the bank or payment provider may be governed by their respective terms and conditions.

Customers should contact their card-issuing bank directly for questions regarding EMI schedules, interest charges, processing fees, or the reflection of a refund on their card account.

8. Customer Responsibility

Customers are responsible for ensuring that all information provided during checkout and payment is accurate and belongs to them or is provided with proper authorization.

You should carefully review your order before completing payment and retain relevant order and payment confirmations for your records.

We may request additional information or verification where reasonably necessary to protect customers and the website against fraudulent or unauthorized transactions.

9. Changes to This Policy

We reserve the right to update or modify this Card EMI & Payment Policy when necessary to reflect changes in our services, payment methods, legal requirements, or business practices.

Any updated version may be published on this page. Customers are encouraged to review this policy periodically for the latest information.

10. Contact Us

If you have any questions, concerns, or require assistance regarding Card EMI, payments, orders, refunds, privacy, or any other matter relating to your purchase, please contact us using the details below.

Registered Office:
E-11/A, Lajpat Nagar-2,
New Delhi-110024, India

Email: omsonsbridalstore@gmail.com
Phone: +91 9354380399
Business Hours: 10:00 AM – 7:00 PM IS

By continuing to browse our website, placing an order, or completing a purchase using Card EMI or another available payment method, you acknowledge that you have read and understood this Card EMI & Payment Policy and agree to the applicable terms stated herein.