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Fees and Payments Policy

Fees and Payments Policy

Last updated: 3 September 2026

This Fees and Payments Policy explains the payment terms applicable to purchases made through www.mrgarmz.com, operated by Mr Garmz (“we,” “us,” or “our”).

By placing an order through our Website, you agree to the terms outlined below.

1. Product Prices

All product prices displayed on our Website are listed in Indian Rupees (INR) unless stated otherwise.

Applicable taxes may be included in the displayed price or calculated during checkout, depending on the product, delivery location, and applicable laws.

We reserve the right to change product prices at any time without prior notice. However, price changes will not affect orders that have already been successfully placed and confirmed.

2. Accepted Payment Methods

Depending on availability at checkout, we may accept payments through:

  • Credit cards

  • Debit cards

  • UPI

  • Net banking

  • Mobile wallets

  • Cash on Delivery, where available

  • Other payment methods displayed during checkout

The availability of a particular payment method may depend on your location, order value, selected products, and the policies of our payment partners.

3. Online Payment Processing

Online payments are securely processed through authorised third-party payment gateways.

When you make a payment, your payment information may be collected and processed directly by the relevant payment provider. We do not directly store your complete debit card, credit card, UPI PIN, CVV, or online banking credentials.

Your payment will be subject to the terms, conditions, and privacy policy of the selected payment provider.

4. Payment Authorisation

By submitting payment information, you confirm that:

  • The payment information provided is correct and complete.

  • You are authorised to use the selected payment method.

  • Sufficient funds or credit are available to complete the transaction.

  • You authorise us and our payment partners to charge the total order amount.

An order will be considered confirmed only after we receive successful payment confirmation, except for eligible Cash on Delivery orders.

5. Additional Fees and Charges

The final payable amount may include:

  • Product price

  • Applicable taxes

  • Shipping or delivery charges

  • Cash on Delivery charges, if applicable

  • Other charges clearly disclosed before order confirmation

Any applicable charges will be displayed during checkout before you complete your purchase.

Your bank, card issuer, or payment provider may separately charge transaction, currency-conversion, or international payment fees. Such charges are determined by the relevant provider and are not controlled by Mr Garmz.

6. Discount Codes and Promotional Offers

Discount codes and promotional offers:

  • Must be applied during checkout.

  • Cannot be applied after an order has been placed.

  • May be subject to minimum order values, expiry dates, product restrictions, or usage limits.

  • Cannot be exchanged for cash.

  • May not be combined with other offers unless expressly permitted.

We reserve the right to modify, withdraw, or cancel a promotional offer where legally permitted, including in cases of misuse, technical errors, or suspected fraudulent activity.

7. Cash on Delivery

Cash on Delivery may be available only for selected locations and orders.

If Cash on Delivery is selected:

  • You must provide accurate contact and delivery details.

  • The full payable amount must be paid to the delivery partner at the time of delivery.

  • Additional Cash on Delivery charges may apply and will be shown during checkout.

  • We may contact you to verify the order before dispatch.

  • We may cancel unverified, suspicious, or repeatedly refused orders.

We reserve the right to disable Cash on Delivery for certain products, locations, customers, or order values.

8. Failed or Pending Payments

A payment may fail or remain pending because of:

  • Incorrect payment information

  • Insufficient funds

  • Bank or payment-provider restrictions

  • Network or technical issues

  • Security or fraud-prevention checks

If the amount is deducted but the order is not confirmed, please contact your bank or payment provider first. Such amounts are generally reversed according to the processing timelines of the relevant bank or payment provider.

You may also contact us with the payment reference number and transaction details so we can check the payment status.

9. Duplicate Payments

If you believe you have been charged more than once for the same order, contact us with:

  • Your order number

  • Payment reference or transaction ID

  • Payment date and amount

  • Relevant payment screenshot or bank confirmation

After verification, any confirmed duplicate payment will be refunded to the original payment method.

10. Order Cancellation

Order cancellation is subject to our Cancellation, Return and Refund Policy.

If an eligible prepaid order is cancelled, the refund will be processed to the original payment method. Shipping, Cash on Delivery, convenience, or other non-refundable charges may be excluded where permitted and where disclosed before purchase.

11. Refunds

Approved refunds will be issued to the original payment method unless another method is required or agreed upon.

After we initiate a refund, the time required for it to appear in your account depends on the bank, card issuer, or payment provider. We are not responsible for delays caused by third-party financial institutions.

Please refer to our Return and Refund Policy for information about eligibility, conditions, and refund processing.

12. Pricing or Technical Errors

We make reasonable efforts to ensure that prices, discounts, and payment information displayed on our Website are accurate.

If an order is affected by an obvious pricing, discount, or technical error, we may contact you to:

  • Confirm the order at the correct price; or

  • Cancel the order and issue a full refund for any amount paid.

13. Fraud Prevention

We may review, hold, reject, or cancel an order if we reasonably suspect:

  • Fraudulent or unauthorised payment

  • Misuse of discounts or promotional offers

  • False contact or delivery information

  • Unusual or suspicious transaction activity

  • Violation of our policies

We may request additional information to verify a transaction before processing or dispatching an order.

14. Payment Disputes and Chargebacks

If you notice an issue with a payment or order, please contact us before filing a payment dispute or chargeback. We will make reasonable efforts to investigate and resolve the matter.

Submitting a false or fraudulent chargeback may result in cancellation of current orders or restrictions on future purchases.

15. Changes to This Policy

We may update this Fees and Payments Policy periodically to reflect changes in our payment methods, business practices, or legal obligations.

Any revised policy will be posted on this page with an updated effective date.

16. Contact Us

For questions or concerns regarding payments, charges, or refunds, please contact us:

Business Name: Mr Garmz
Email: [Enter customer-support email]
Phone: [Enter contact number]
Business Address: [Enter complete registered business address]
Website: https://www.mrgarmz.com