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Payment and Refund Policy

This Payment and Refund Policy sets out the terms and conditions on the basis of which we, Peach Engineering Private Limited, a company duly incorporated under the provisions of the Companies Act, 2004, having its registered office at 392, 6th A Cross, Tata Nagar, Bangalore, Karnataka – 560092, India (collectively, “PEPL”, “Peach”, “Company”, “we”, “us” or “our”), will process payments and refunds for transactions carried on Peach Consulting through your use of the website [( https://www.peachconsulting.co/ ) (referred to as the “Website”)] while availing services (detailed in the Terms and Conditions available at: https://www.peachconsulting.co/terms-and-conditions/ ) made available to you over the Website (the “Services”). Peach may assign, transfer, and subcontract its rights and/or obligations under this Payment and Refund Policy to any third party, as it may deem fit, and you shall continue to be bound by this Payment and Refund Policy in the event of such assignment or transfer.

a.Payment

  1. You may use any payment service, like UPI, internet banking or debit or credit cards for making payments for availing any of the Services over the Website (“Fees”). You shall be directed to our third party payment aggregator/gateway partners such as RazorPay (“Payment Aggregator(s)”) once you proceed to make payment of the Fees. Once re- directed to the Payment Aggregator, you agree to be bound by the terms and conditions and privacy policy prescribed by the third party payment gateway/aggregation partner, basis which, the transaction shall take place. We will share your details with the Payment Aggregator as per the terms of our privacy policy (available at https://www.peachconsulting.co/privacy-policy ) and the same shall be processed in accordance with the respective Payment Aggregator’s privacy policy as may be made available to you by such Payment Aggregator.
    • Peach shall not be liable in any manner whatsoever, if incorrect or inaccurate details (including those concerning credit or debit card(s)) are provided by you for making the payment of the Fees or if you use a credit or debit card which is not lawfully owned by you or if you permit a third party to use your password or any other means of accessing your bank account or credit card or debit card. Please note that neither we nor the Payment Aggregator will be monitoring your use of any payment channel and you are required to use the payment modes at your sole option and risks.
    • The Payment Aggregator may block any card number, account numbers, group of cards or transactions from any specific blocked or blacklisted customer cards, accounts, group of IP addresses, devices, geographic locations as deemed fit.
    • The Payment Aggregator and banks reserve the right to reject payments with respect for any order including for suspicious and unlawful transactions, potential or actual fraud, suspicious activities, card authentication and authorization issues, over payment made due to mathematical errors or any other issue.
    • Peach shall keep the financial information as referred to in the Peach Consulting Privacy Policy (“Privacy Policy”) confidential at all times and shall not utilize and share the same with any of the third parties unless it is a third party consented to by you and/or required by law, regulation or court order.
    • Peach shall not be liable for the rejection of any authorization request placed by you for payment of the Fees, by any bank, payment gateway, Payment Aggregator, or other relevant third party, for any reason including but not limited to risk management, suspicion of fraudulent, illegal or doubtful transactions, use of blacklisted/banned cards or pursuant to applicable laws, rules or regulations or any instructions from (or contained in) any guidelines or instructions by the Reserve Bank of India or any internal policies, etc., of such bank, payment gateway or other relevant third party.

b.Specific Payment Modes

  1. Please note that whenever you choose to utilize any mode of payment, you must fulfil the terms and conditions, as applicable to that mode of payment.
    • Specifically for QR code payment, you note that: 
      1. QR Code is provided by the Payment Aggregator(s).
      2. You can make payments through UPI or a valid card by scanning the QR Code correctly through any of the payment apps available with you and entering the correct amount.
  2. Your data will be processed in accordance with the relevant Payment Aggregator’s privacy policy and terms, which you should comply with, as applicable.

c.Cancellation of booked sessions

  1. You may cancel a session booked by you, and reschedule as per your convenience by contacting the team at Peach. The relevant cancellation charges (section d below) will apply.
  2. Payments made directly on the Website will be processed as provided in the ‘Refunds’ section (e & f) below.
  3. Tokenized Card Payments: Please note that in accordance with directions of the Reserve Bank of India, we are not authorised to store your card details. For the ease of facilitation of card payments, the relevant Payment Aggregator may provide you with the option of tokenization of your card data pursuant to which your card details will be stored securely with the authorized card networks (such as Visa, Mastercard, RuPay, etc.) and processed for making payment of Fees upon you selecting card payment as a payment mode. In order for us and the relevant Payment Aggregator to facilitate payments through tokenized card details, you hereby agree to the following terms and conditions:
    • Upon you choosing card payments as a payment mode, you will be given an option to securely pay using the tokenized card details;
    • The relevant Payment Aggregator may reserve the right to disclose your data or information, if such data is required or requested to be disclosed by the Payment Aggregator under applicable laws, by card networks or the issuer banks, or under regulatory requirements or investigations and you hereby give your express consent for such disclosure;
    • The provision of token of your card details (where the expression token(s) wherever used includes token reference number, card reference number or any other similar term) shall be initiated with your explicit consent through an additional factor of authentication, which shall be facilitated by the relevant Payment Aggregator;
    • You will have the option to register and de-register your cards for a particular use and any such request to de-register your card should be made to the Payment Aggregator;
    • You will have the option to use any card registered under the tokenization services;
    • You will have the option to immediately suspend, delete/de-register or resume any token and any such request from you should be made to the Payment Aggregator.

d.Cancellation / Rescheduling / Booking of Consulting Sessions

Peach Engineering Pvt. Ltd strives to deliver premium consulting services, from best-in-class consultants, to clients. 

As the consultants have a busy schedule, cancellation of booked sessions lead to lost productivity. Therefore, the following charges will apply if a booked session is cancelled or rescheduled.

  1. Session Cancellation
  • Once an appointment is booked, the cancellation charges are as follows:
  1. 0% if cancelled more than 30 days before the day of the session
  2. 50% if cancelled 30 days to 15 days before the day of the session
  3. 75% if cancelled between 15 days to 8 days before the day of the session
  4. 100% if cancelled less than 8 days before the day of the session
  • Session Rescheduling
    • The appointment can be rescheduled (once only) at no additional cost, if the change is made more than 21 days before the day of the session. 
  1. For additional rescheduling of the same session, more than 21 days before the session, a 50% rescheduling charge will apply. 
  2. Please contact Peach office at consulting@peacheng.com for rescheduling the consulting session, with the relevant information
  1. For a session-reschedule less than 21 days before the day of the session (once only), a 50% rescheduling fee will apply.
  2. No session-reschedules are permitted less than 8 days before the day of the session.

Payments for Consulting Sessions made directly on the Website will be processed as provided in the ‘Refunds’ section below.

e.Refunds

  1. No refunds will be given after the start of the session.
  2. In the case of disputes, a session review request may be raised with Peach Engineering, within 48 hours of the end of the session.
    1. Review requests against delays, nature of advice obtained, and outcomes of consultation will not be entertained.
  3. Peach Engineering retains the right to cancel the session at any time, including after the start of the session, with no prior notice to the client. In such an event, the full amount, minus a service charge, will be refunded to the client.
  4. No refund for any eligible cancellation will be processed beyond 6 months of placing a cancellation or return request. However in exceptional circumstances, you may claim a refund beyond this stipulated period at the sole discretion of Peach. The refunds for such exceptional circumstances will be in the form of “consulting credits” that you may be able to use for purchase of services from the same company.
  5. Peach / third party sellers on the Website reserve the right to modify / implement a new pricing structure at any time prior to billing you for your initial payment of the Fees or for future payments of the Fees.

f.Refund Timelines

  1. All eligible refunds are issued through the payment method used at the time of purchase, or via National Electronic Funds Transfer (NEFT).
  2. The time frame for different payment modes is typically 5-7* business days post the refund request has been received and verified by Peach Engineering. 

*Refund timelines depend on bank turnaround times and RBI guidelines. This may change from time to time. Business days shall mean the working days on which Peach Engineering corporate office operates. Considering limited manpower at banks due to COVID-19, refund timelines might vary.

  1. There will be no cash refund. You will need to update the following information to enable us to process a refund to your account.
    • The Bank Account Number
    • IFSC Code
    • Account Holder’s Name
  2. Refunds cannot be processed to third-party accounts. The name on your Peach Consulting login account should match with the name of the bank account holder.
  3. Peach will not be liable for any delay caused in refunds due to delay by third party affiliates (including banks), in providing information by the customer, technical issues and other reasons beyond its control.