Payment Policy

Current status

What this covers

This policy explains how payments would work between you and Ananta Aayam for any paid plan offered through the Anant Bhakti mobile application. It sits alongside ourTerms & Conditions, our Refund Policy and ourCancellation Policy, and should be read together with them.

Prices and taxes

• All prices are quoted and charged in Indian Rupees (INR).
• Prices displayed to you at the point of purchase are inclusive of Goods and Services Tax (GST) at the applicable rate, unless stated otherwise on the purchase screen.
• The price you see before confirming is the price you pay for that billing period. If we change the price of a plan, the new price applies from your next renewal and we will tell you before that renewal.
• Current plans and prices are listed on our Pricing page.

Payment methods

Payments would be accepted through a payment gateway that is authorised by the Reserve Bank of India and certified to the PCI-DSS standard. Depending on the gateway, accepted methods may include:

• UPI, including one-time payments and AutoPay mandates
• Credit and debit cards
• Net banking
• Prepaid wallets

Your payment is processed by the gateway, not by us. We never see or store your full card number, CVV, UPI PIN, bank credentials or any other payment credential.

Auto-renewal and UPI AutoPay

Subscription plans would renew automatically at the end of each billing period so that access is not interrupted. Where you authorise a UPI AutoPay mandate:

• You approve the mandate once, in your own UPI application, specifying the maximum amount and the frequency.
• As the National Payments Corporation of India requires, you will receive a pre-debit notification approximately 24 hours before each recurring debit, giving you the opportunity to review, modify or revoke the mandate before it is charged.
• You can revoke the mandate at any time from your UPI application, independently of anything you do in Anant Bhakti. Revoking a mandate stops future debits; see ourCancellation Policy for what happens to your access.

Billing cycle and renewal

• The first payment is taken when you subscribe, and your access begins immediately on successful payment.
• Each subsequent payment is taken at the start of the next billing period, on the same date where that date exists in the month.
• If a renewal payment fails, we may retry it over a short grace period during which your access continues. If it still cannot be collected, paid access ends and your account reverts to the free tier — your account and your saved content are not deleted.

Failed and duplicate payments

If an amount is debited but your subscription is not activated, or if you are charged more than once for the same period, contact us with the transaction reference and we will investigate.

• Where a payment failed at the gateway or bank, the amount is typically reversed automatically by your bank within five to seven working days.
• Where a duplicate or incorrect charge has been collected by us, we will refund it in full to the original payment method. See the Refund Policy for timelines.

Receipts and invoices

A receipt would be issued for every successful payment to the email address or mobile number registered on your account, and would also be available inside the app. A GST invoice can be requested by contacting us with your transaction reference and, if applicable, your GSTIN.

Purchases through app stores

If a plan is purchased through Google Play or the Apple App Store rather than directly from us, that purchase is governed by the store's own payment, renewal and refund terms in addition to this policy. In that case, cancellations and refunds must be requested through the store, since the store — not us — holds the billing relationship and processes the payment.

Refunds

Refund eligibility, how to request a refund, and the timelines we work to are set out in full in our Refund Policy.

Cancellation

How to cancel a subscription, what happens to your access, and how to revoke a UPI AutoPay mandate are set out in our Cancellation Policy.

Chargebacks and disputes

If you believe a charge is incorrect, please contact us first — we can almost always resolve it faster than a formal dispute. Where a chargeback is raised, we may suspend paid access to the account concerned while the matter is investigated, and we will cooperate with your bank or card issuer and provide the transaction records they require.

Payment security

All payment pages and payment API traffic are encrypted in transit. Card and UPI credentials are handled exclusively by the payment gateway within its PCI-DSS certified environment. We store only the minimum information needed to identify a transaction: the gateway's transaction reference, the amount, the status, the plan and the date.

Changes to this policy

We may update this policy as our payment arrangements change or as regulation requires. The "last updated" date at the top of this page reflects the current version, and any material change will be notified in the app before it takes effect.

Contact

For any question about a payment, a receipt, a refund or a mandate, contact us with your registered mobile number or email and the transaction reference.