Privacy Policy

The Terms and Conditions contained herein shall apply to every person ("User") using the online payment gateway services ("Service") made available through KALPAK's website, kalpak.online.

Each User is deemed to have read, understood and accepted these Terms and Conditions before using the online payment facility.

A. Privacy Policy

KALPAK respects and protects the privacy of every individual accessing the information and services provided through this website. Personally identifiable information about a User will not be intentionally disclosed to any third party without first obtaining the User's consent, except as described in this Privacy Policy.

This Privacy Policy explains how KALPAK collects, uses and protects personally identifiable information obtained from Users of the KALPAK website.

KALPAK does not collect personally identifiable information such as the User's name, email address, age, gender or similar details unless the User knowingly and voluntarily provides such information through the Website.

Like any organization committed to providing quality services, KALPAK may occasionally send emails or other communications regarding services, features, website updates or request voluntary feedback from Users.

However, KALPAK may disclose personal information where required under the following circumstances:

  1. To comply with any valid legal process including search warrants, statutes or court orders.
  2. If the User violates these Terms of Service or any guidelines applicable to specific services.
  3. To protect or defend the legal rights or property of KALPAK, its website or its Users.
  4. To investigate, prevent or take action regarding illegal activities, suspected fraud or situations involving threats to the security or integrity of the KALPAK website or its services.

B. General Terms and Conditions for Online Payments

  1. Once a User accepts these Terms and Conditions, he/she may register and use the online payment services. Registration may be completed through the KALPAK website or by any other method specified by KALPAK from time to time.
  2. KALPAK's rights, obligations and undertakings shall be governed by the laws of India together with applicable Government directives and procedures. Nothing contained in these Terms shall restrict KALPAK from complying with requests from law enforcement agencies or regulatory authorities concerning the User's use of the Website or information supplied through it.
  3. If any provision of these Terms and Conditions is held invalid or unenforceable under applicable law, such provision shall be replaced by a valid provision reflecting the original intent, while the remaining Terms shall continue in full force and effect.
  4. These Terms and Conditions constitute the complete agreement between the User and KALPAK and supersede all previous oral or written communications or agreements relating to the online payment service.
  5. The records maintained by KALPAK and/or the Payment Service Provider in the ordinary course of business shall be conclusive evidence of transactions covered under these Terms and Conditions.
  6. Server Slow Down / Session Timeout

    If the Website or the Payment Service Provider experiences server slowdown, failure or session timeout, the User must verify whether the payment has already been debited before attempting another payment.

    If the Bank Account has already been debited:

    • Do not attempt to make another payment.
    • Immediately contact KALPAK through email or any other published contact method to confirm the payment.

    If the Bank Account has not been debited:

    • The User may initiate a fresh payment transaction.

    The User further agrees that under no circumstances shall the Payment Gateway Service Provider be held responsible for duplicate or fraudulent transactions arising from repeated payment attempts. Any communication sent to the Payment Service Provider in this regard shall not be entertained.

C. Limitation of Liability

  1. KALPAK provides the online payment service solely as a convenience to Users. KALPAK expressly disclaims all liability arising from the provision or use of this Service. KALPAK reserves the right to terminate access to the Service at any time without prior notice.
  2. Neither KALPAK nor the Payment Service Provider shall be liable for any inaccuracy, delay, interruption, omission, transmission failure or any loss or damage arising therefrom.
  3. Under no circumstances shall KALPAK, the Payment Service Provider, their employees, directors or agents be liable for direct, indirect, incidental, special, consequential, exemplary or punitive damages arising from the use of the online payment service.
  4. KALPAK and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:
    1. Delay, failure, interruption or corruption of any data or other information transmitted in connection with the use of the Payment Gateway or related services.
    2. Any interruption or errors in the operation of the Payment Gateway.
  5. The User shall indemnify and hold harmless KALPAK and the Payment Service Provider(s), including their officers, directors, employees and agents, against any claims, losses, liabilities or actions arising out of or in connection with the use of the Services.
  6. The User agrees that neither KALPAK nor any of its employees shall be liable for any loss or damage arising from the use of, or reliance upon, information contained on this Website or for any failure to comply with these Terms where such failure is due to circumstances beyond KALPAK's reasonable control.

D. Miscellaneous Conditions

  1. Any waiver of rights available to KALPAK under these Terms and Conditions shall not constitute a continuing waiver of those rights.
  2. The User acknowledges that personal data, including debit card and credit card information transmitted over the Internet, may be susceptible to misuse, hacking, theft or fraud, and KALPAK or the Payment Service Provider(s) have no control over such events.
  3. Although KALPAK takes reasonable precautions to safeguard information transmitted by Users, it does not guarantee that use of the Services will be free from theft, unauthorized access or misuse of information over the Internet.
  4. KALPAK, the Payment Service Provider(s), and their affiliates shall not be liable for any failure of performance, error, omission, interruption, deletion, defect, delay in operation, communication failure, computer virus, theft, destruction, unauthorized access, alteration or use of information stored on the Website.
  5. The User may be required to create a User ID and Password to register for or access certain Services. The User agrees to:
    • Choose a new password whenever required for security reasons.
    • Keep the User ID and Password strictly confidential.
    • Be solely responsible for all transactions carried out using the User ID and Password.

KALPAK will never request the User's password through unsolicited telephone calls or emails.

Users are advised to sign out of their account and close the browser window after completing each transaction, particularly when using shared or public computers.

E. Debit/Credit Card and Bank Account Details

  1. The User agrees that all debit or credit card details supplied for making payments are accurate and belong to the User or are used with the lawful authorization of the card owner.
  2. The User may make payments using debit cards, credit cards or Internet Banking. The User further confirms that:
    1. The User is legally entitled to use the nominated debit card, credit card or bank account.
    2. All payment details supplied are true, complete and accurate.
    3. The User authorizes KALPAK to debit the nominated account or card for the amount payable together with any applicable service charges.
    4. The User is responsible for ensuring that sufficient funds or credit limits are available to complete the payment transaction.

F. Personal Information

  1. To the extent permitted by applicable law, KALPAK and/or the Payment Service Provider(s) may collect, use and disclose personal information in connection with security investigations, legal proceedings or compliance with statutory requirements.
  2. The User agrees that any information communicated to KALPAK by email may be used by KALPAK for responding to the User and for providing related services.
  3. The User further agrees that KALPAK may continue to use information previously collected from the User in accordance with its Privacy Policy. Submission of personal information through this Website constitutes consent for such processing.
  4. The User acknowledges that all personal information shall be managed in accordance with the applicable laws in force in India.

G. Payment Gateway Disclaimer

The online payment facility is provided solely to enable Users to view and pay their dues electronically.

KALPAK and the Payment Service Provider(s) make no representations or warranties, express or implied, regarding the operation, availability, accuracy or reliability of the Payment Gateway except as expressly stated on this Website.

By using the online payment facility, the User expressly acknowledges and agrees that the use of the Payment Gateway is entirely at the User's own risk and responsibility.