Subscription Policy

This Payment Policy explains payment methods, payment authorisation, Cash on Delivery (COD), the ₹100 refundable COD Fee, failed transactions, refunds, chargebacks and payment-security practices for purchases made through www.skynfit.in.

1. Accepted Payment Methods

Available payment methods are displayed at checkout and may include UPI, credit/debit cards, net banking, wallets, payment links, COD and other methods supported by our authorised payment providers. Not every method will be available for every order, location, device or customer. We may reasonably restrict a method based on serviceability, risk, order value, payment-provider limitations or repeated RTO/fraud history.

2. Payment Processing

Electronic payments are processed through banks, payment gateways, payment aggregators, card networks, UPI infrastructure or other authorised providers. A payment may be subject to the provider's authentication, fraud, KYC, card, UPI or banking rules. Skynfit ordinarily receives confirmation, transaction reference, status and limited reconciliation data rather than complete card credentials or UPI PINs.

Never share a card PIN, CVV, UPI PIN, OTP or internet-banking password with a person claiming to be Skynfit support. We will not ask for such credentials to issue a refund.

3. Payment Authorisation and Order Confirmation

A successful debit or payment authorisation does not by itself guarantee fulfilment if the order later fails stock, fraud, legal, serviceability or verification checks. If an order cannot be fulfilled after payment has been captured, the amount collected for the cancelled item/order will be refunded in accordance with this Policy.

4. Cash on Delivery

COD is offered selectively and may not be available for every PIN code, order value or customer. COD orders may be verified by OTP, call, WhatsApp, email or other reasonable verification before dispatch. Failure to complete verification may result in cancellation.

4.1 ₹100 Refundable COD Fee

A ₹100 COD Fee applies to COD orders. The fee is refundable after successful delivery of the order. Once successful delivery is confirmed, Skynfit will initiate the ₹100 refund. The credit may take additional time to appear depending on the payment method, bank or settlement system.

If the ₹100 fee was collected digitally, it will ordinarily be reversed to the same eligible instrument. If it was collected in cash or cannot be automatically reversed, we may request verified UPI or bank details for the refund. Skynfit may implement an equivalent technically simpler mechanism at checkout, provided the customer receives the same economic benefit and the checkout clearly explains how the ₹100 is treated.

4.2 When the ₹100 COD Fee is not refundable

·  Customer refuses or rejects the parcel after dispatch without a Skynfit-attributable reason.

·  Order is returned to origin because the customer is unavailable after reasonable delivery attempts.

·  Delivery fails because of materially inaccurate or incomplete customer-provided address/contact information.

·  Customer cancels after dispatch where cancellation is no longer operationally available.

·  Customer-initiated/non-defect return is accepted voluntarily after delivery; where the ₹100 has already been refunded, it may be adjusted from the product refund.

The COD Fee will not be withheld where non-delivery or return is attributable to Skynfit/courier failure, or where the goods are defective, damaged, incorrect or materially misdescribed and applicable law requires refund of the relevant amounts.

5. Failed, Pending or Duplicate Payments

If a payment fails but your bank shows a debit, first check the order status and allow the banking system time to complete or reverse the transaction. Failed-payment reversals are generally controlled by the bank/payment provider and may occur automatically. If the amount is not reversed within the provider's normal timeline, contact us with the transaction reference and bank/payment-provider evidence.

If we receive duplicate payment for the same order and both credits are confirmed to us, the duplicate amount will be refunded. We may request reasonable information to match the transaction before processing the refund.

6. Pricing, Taxes and Invoices

The checkout will display product price, applicable discount, taxes, delivery charge, COD fee (if applicable) and other charges before final payment, as required by law. An invoice will be issued in accordance with applicable tax and e-commerce requirements. The seller/legal entity details appearing on the invoice should correspond to the entity responsible for the sale.

7. Refunds

Approved refunds are governed by the Return & Refund Policy. We ordinarily initiate approved refunds within 5–7 business days after approval and required verification. Actual credit time depends on the bank/payment provider. Refunds are made to the original payment method where practicable; COD refunds may require verified UPI or bank details.

Coupons, promotional credits and discounts are not cash amounts. Refunds are based on the actual amount paid after discount, subject to statutory rights and the terms of the relevant promotion.

8. Chargebacks and Payment Disputes

If you do not recognise a transaction or believe an order/payment is incorrect, contact us promptly so we can investigate. Nothing prevents you from exercising a lawful chargeback or payment-dispute right. However, knowingly filing a false or duplicate chargeback after receiving and retaining the goods may be treated as fraud, and Skynfit may submit delivery, communication and transaction evidence to the bank/payment provider and restrict future orders where lawful.

9. Fraud and Risk Controls

We may perform reasonable automated or manual checks to identify stolen payment instruments, account takeover, unusually high-risk orders, repeated RTOs, address manipulation, promotion abuse or other suspected fraud. We may request verification, restrict COD, place an order on hold or cancel it before fulfilment where reasonably necessary. Any captured payment for an order cancelled by Skynfit will be refunded unless retention is required by law or an authorised payment dispute process.

10. Payment Security

We use payment providers and security measures appropriate to our business. Payment pages may be hosted or controlled by the payment provider. You should ensure that payment details are entered only on the genuine Skynfit checkout or an authorised payment-provider page and should report suspected phishing or unauthorised payment links immediately.

11. Contact

For a payment issue, provide the order number, transaction reference, payment date, amount and payment method. Do not email complete card numbers, CVV, UPI PINs, OTPs or banking passwords.