Payment Policy

1. Payment Overview

This Payment Policy outlines the terms and conditions for all payments made to BABBROS LLP for our AI solutions and services. We use secure payment processing through Razorpay to ensure your financial information is protected.

2. Accepted Payment Methods

3. Pricing and Billing

3.1 Service Pricing

Our AI solutions are priced as follows:

Service	Starter	Professional	Enterprise
Xprei Platform	₹29,999/month	₹79,999/month	Custom Pricing
Aijov Solutions	₹19,999/month	₹49,999/month	Custom Pricing
Intltal Analytics	₹39,999/month	₹99,999/month	Custom Pricing

3.2 Billing Cycles

• Monthly Subscriptions: Billed on the same date each month
• Annual Subscriptions: Billed once per year with a 20% discount
• One-time Payments: Charged immediately upon purchase
• Custom Solutions: Billed according to project milestones

4. Payment Security

4.1 Data Protection

We do not store your payment information on our servers. All payment data is securely handled by Razorpay and their banking partners.

4.2 Transaction Security

All transactions are protected by:

• End-to-end encryption
• Two-factor authentication where applicable
• Fraud detection algorithms
• Secure payment tokenization

5. Payment Processing

5.1 Transaction Processing

Payments are processed in real-time through Razorpay's secure infrastructure. You will receive immediate confirmation of successful transactions.

5.2 Failed Payments

If a payment fails, we will:

• Notify you immediately via email
• Provide alternative payment options
• Assist with troubleshooting payment issues
• Retry failed payments where appropriate

6. Currency and Taxes

6.1 Currency

All prices are displayed in Indian Rupees (INR). For international customers, amounts will be converted to your local currency at the current exchange rate.

6.2 Taxes

All applicable taxes including GST will be added to your invoice as per Indian tax regulations. Tax rates may vary based on your location and service type.

7. Payment Terms

7.1 Payment Due Dates

• Subscription Services: Payment due on billing date
• Custom Projects: Payment due as per project milestones
• Consulting Services: Payment due within 15 days of invoice

7.2 Late Payment

Late payments may result in:

• Service suspension after 7 days
• Late payment fees of 2% per month
• Collection efforts for outstanding amounts

8. Refunds and Cancellations

Refund and cancellation policies are detailed in our Refund Policy. All refunds are processed through the same payment method used for the original transaction.

9. International Payments

For international customers:

• Payments accepted in major international currencies
• Currency conversion handled by Razorpay
• International transaction fees may apply
• Compliance with international banking regulations

10. Payment Disputes

If you have any payment-related disputes:

• Contact our support team immediately
• Provide transaction details and documentation
• We will investigate and resolve within 5 business days
• Escalate to Razorpay support if needed

11. Razorpay Integration

We are proud to partner with Razorpay for secure payment processing. Razorpay is:

• RBI licensed payment aggregator
• PCI DSS Level 1 compliant
• Trusted by 5+ million businesses
• Supports 100+ payment methods

12. Contact Information

13. Policy Updates

We may update this Payment Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.