YDIK HEALTHCARE PRODUCTS LLP

Website: ydiknaturecares.com

1. OVERVIEW

YDIK Healthcare Products LLP (“YDIK”, “Company”, “We”, “Our”) is committed to providing secure, transparent, and reliable payment facilities to its customers, Independent Distributors, stockists, and authorized business partners.

The purpose of this Payment Policy is to define the accepted payment methods, payment processing procedures, security standards, confidentiality measures, and responsibilities of all parties involved in transactions conducted with the Company.

The Company strives to ensure that all payments are processed securely, accurately, and in compliance with applicable laws and regulations.

2. SCOPE

This Policy applies to:

• Customers
• Consumers
• Independent Distributors
• Authorized Stockists
• Franchise Partners
• Business Associates
• C&F Agents
• Any person making payments to YDIK Healthcare Products LLP

through the Company’s website, mobile platforms, offices, distributors, or authorized channels.

3. APPLICABLE LAWS

This Policy shall be governed by:

• Consumer Protection Act, 2019
• Consumer Protection (Direct Selling) Rules, 2021
• Consumer Protection (E-Commerce) Rules, 2020
• Information Technology Act, 2000
• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Applicable RBI Guidelines
• Any other applicable laws and regulations in India

4. PAYMENT SECURITY & CONFIDENTIALITY

YDIK Healthcare Products LLP takes payment security seriously and adopts reasonable security practices to protect financial information.

The Company shall:

• Maintain confidentiality of payment information.
• Use secure payment processing mechanisms.
• Protect customer and distributor financial data.
• Not sell, rent, or disclose payment information to unauthorized third parties except where required by law.

5. ACCEPTANCE OF TERMS

By purchasing products, registering as a Distributor, or making any payment through YDIK’s authorized channels, you acknowledge that:

• You have read and understood this Payment Policy.
• You agree to comply with the terms stated herein.
• You authorize YDIK Healthcare Products LLP to process payments through approved payment methods.

6. ACCEPTED PAYMENT METHODS

YDIK Healthcare Products LLP may accept payments through the following modes:

Bank Transfer

• IMPS
• NEFT
• RTGS
• UPI
• Net Banking

Customers and Distributors may transfer funds directly to the Company’s designated bank account.

Debit Cards

Payments may be made through approved debit cards issued by recognized banks.

Credit Cards

Payments may be made through approved credit cards subject to payment gateway approval.

UPI Payments

Accepted UPI platforms may include:

• BHIM UPI
• Google Pay
• PhonePe
• Paytm
• Other RBI-approved UPI applications

Payment Gateway

Online payments made through:

www.ydiknaturecares.com

shall be processed through authorized and secure payment gateway providers.

Cheque / Demand Draft

The Company may accept cheque or demand draft payments subject to realization and clearance.

Orders may be processed only after successful clearance of funds.

Cash Payments

Cash payments may be accepted only at authorized locations as permitted by applicable laws.

The Company shall not accept cash transactions beyond limits prescribed under Indian law.

7. PAYMENT PROCESSING

When a payment is made:

1. The customer enters payment information through a secure platform.
2. The payment gateway processes the transaction.
3. The issuing bank authorizes or rejects the payment.
4. Upon successful authorization, the order is confirmed.
5. A payment reference number shall be generated.

The Company stores only transaction reference information and does not retain complete card details.

8. DIRECT SELLER & DISTRIBUTOR PAYMENT GUIDELINES

Distributor Responsibility

Distributors must:

• Make payments only through authorized Company channels.
• Ensure correct Distributor ID is quoted while making payments.
• Retain payment receipts and transaction references.

Unauthorized Payments

The Company shall not be responsible for:

• Payments made to unauthorized persons.
• Payments made to personal accounts not approved by YDIK.
• Fraudulent payment requests received from third parties.

9. CHEQUE RETURN POLICY

In the event a cheque is dishonored due to:

• Insufficient funds
• Stop payment instructions
• Account closure
• Signature mismatch
• Any banking irregularity

the Company reserves the right to:

• Recover bank charges.
• Suspend pending orders.
• Suspend Distributor privileges until dues are cleared.
• Take appropriate legal action where necessary.

10. PAYMENT GATEWAY CHARGES

Any applicable:

• Bank charges
• Payment gateway charges
• Transaction fees
• Processing fees

may be borne by the customer or Distributor wherever applicable and disclosed at the time of payment.

11. COLLECTION OF PERSONAL INFORMATION

The Company may collect information including:

• Name
• Address
• Email ID
• Mobile Number
• Distributor ID
• GST Information (where applicable)
• Payment Details
• KYC Information

solely for legitimate business purposes and legal compliance.

12. DISCLOSURE OF INFORMATION

Personal and payment information may be shared only when:

• Required for payment processing.
• Required by law.
• Requested by regulatory authorities.
• Necessary for fraud prevention.
• Required for legal proceedings.
• Authorized by the individual concerned.

13. CHILDREN’S PRIVACY

YDIK’s products, services, and business opportunities are intended only for individuals aged 18 years and above.

The Company does not knowingly collect personal information from minors.

14. THIRD-PARTY LINKS

The Company’s website may contain links to third-party websites.

YDIK Healthcare Products LLP shall not be responsible for:

• Third-party payment systems.
• Third-party privacy policies.
• Third-party content.

Users are advised to review the policies of external websites before sharing personal information.

15. DATA SECURITY & RETENTION

The Company implements reasonable security measures to protect:

• Personal Information
• Financial Information
• Transaction Records
• Distributor Data

Information shall be retained only for:

• Business operations
• Legal compliance
• Regulatory requirements
• Taxation and audit purposes

16. USER RIGHTS

Users may request:

• Access to their personal information.
• Correction of inaccurate information.
• Updating of contact details.
• Clarification regarding payment records.

Requests may be submitted through the official support channels.

17. PAYMENT DISPUTES

Any payment-related dispute should be reported immediately through:

Email:

ydikcare@gmail.com

Customer Care:

+91 81600 91274

Website:

www.ydiknaturecares.com

The Company shall investigate and attempt to resolve payment-related concerns within a reasonable timeframe.

18. GRIEVANCE OFFICER

In accordance with applicable laws, payment-related grievances may be addressed to:

Grievance Officer

YDIK Healthcare Products LLP

Email:
ydikcare@gmail.com

Customer Care:
+91 81600 91274

Website:
www.ydiknaturecares.com

Address:
Rambhai Estate,
Aslali,
Ahmedabad,
Gujarat, India

19. POLICY REVIEW

YDIK Healthcare Products LLP reserves the right to modify, amend, or update this Payment Policy at any time.

The latest version published on the official website shall prevail.

Users are advised to review this Policy periodically.

YDIK Healthcare Products LLP
“Better, Safer & Faster”