Online Payment Terms & Conditions

1. General Terms for Online Payments

1.1 Acceptance of Terms By using the online payment facility of Infant Heaven School, Takhatpur, you acknowledge that you have read, understood, and agree to be bound by these Online Payment Terms and Conditions. These terms are in addition to the general Terms and Conditions of the school.

1.2 Authorized Users Only registered parents/guardians or their authorized representatives are permitted to make online payments for school fees. The school reserves the right to verify the identity of the payer.

1.3 Payment Authorization By proceeding with online payment, you confirm that you are authorized to use the payment method and that all payment information provided is accurate and complete.

2. Online Payment Methods

2.1 Accepted Payment Options

  • Credit Cards (Visa, MasterCard, American Express, RuPay)
  • Debit Cards (Visa, MasterCard, Maestro, RuPay)
  • Net Banking from all major banks
  • UPI (Unified Payments Interface)
  • Digital Wallets (Paytm, PhonePe, Google Pay, Amazon Pay)
  • NEFT/RTGS through bank portals

2.2 Payment Gateway Partners The school uses secure, RBI-approved payment gateways including but not limited to:

  • Razorpay
  • PayU
  • Other certified payment service providers

2.3 Currency All online payments must be made in Indian Rupees (INR) only. The school does not accept payments in foreign currencies through the online portal.

3. Payment Process and Security

3.1 Secure Transaction Environment

  • All online transactions are processed through SSL (Secure Socket Layer) encryption
  • Payment information is transmitted using 256-bit encryption technology
  • The school does not store credit/debit card information on its servers
  • All transactions are processed in compliance with PCI DSS standards

3.2 Two-Factor Authentication

  • Additional security measures including OTP (One Time Password) verification
  • Bank-specific authentication protocols as required
  • Transaction alerts via SMS/email for added security

3.3 Transaction Limits

  • Minimum payment amount: ₹100
  • Maximum payment amount: ₹5,00,000 per transaction
  • Daily transaction limit as per your bank’s online payment limits
  • Multiple payments can be made for amounts exceeding single transaction limits

4. Payment Confirmation and Receipts

4.1 Transaction Confirmation

  • Successful payments will display a confirmation message with transaction ID
  • Payment confirmation will be sent via SMS and email to registered contact details
  • Failed transactions will display appropriate error messages

4.2 Digital Receipts

  • Official digital receipts will be generated automatically upon successful payment
  • Receipts will be sent to the registered email address within 24 hours
  • Receipts can be downloaded from the student portal at any time
  • Digital receipts have the same validity as physical receipts issued by the school

4.3 Receipt Details Each digital receipt will include:

  • Student name, admission number, and class
  • Payment date and transaction ID
  • Amount paid and fee category
  • Academic year/month for which payment is made
  • School’s digital signature and authentication code
  • Payment gateway reference number

5. Payment Processing Time

5.1 Real-Time Processing

  • Most payments are processed in real-time during banking hours
  • Credit/Debit card payments are typically confirmed within 2-3 minutes
  • Net banking payments may take 10-15 minutes for confirmation
  • UPI payments are usually instant

5.2 Non-Banking Hours

  • Payments made after banking hours or on holidays may be processed on the next working day
  • Weekend payments will be processed on the next business day
  • The school account will be credited as per the payment gateway’s processing schedule

5.3 Payment Status Updates

  • Payment status can be checked through the student portal
  • SMS and email notifications will be sent for all payment status updates
  • Parents can contact the school office for payment verification if needed

6. Failed Transactions and Refunds

6.1 Transaction Failures Common reasons for payment failure:

  • Insufficient funds in the account
  • Incorrect payment details
  • Bank server downtime
  • Payment gateway technical issues
  • Card/account restrictions

6.2 Failed Payment Protocol

  • Amount debited but payment failed: Refund will be processed within 5-7 working days
  • Multiple debit attempts: Only one successful payment will be accepted, others will be refunded
  • Payment status unclear: Contact school office with transaction details for verification

6.3 Refund Process

  • Refunds will be processed to the same payment method used for the original transaction
  • Refund timeline: 5-7 working days for cards, 3-5 working days for net banking
  • UPI refunds are typically processed within 24-48 hours
  • Refund notifications will be sent via SMS and email

6.4 Refund Exceptions

  • Successfully completed fee payments are subject to the school’s refund policy
  • Technical refunds due to system errors will be processed regardless of school refund policy
  • Bank charges, if any, may be deducted from refund amounts

7. Fee Payment Categories

7.1 Available Payment Options

  • Admission Fee
  • Monthly Tuition Fee
  • Annual Fee
  • Development Fee
  • Examination Fee
  • Transport Fee
  • Activity Fee
  • Late Fee Payment
  • Miscellaneous Charges

7.2 Partial Payments

  • Minimum partial payment amount: As specified for each fee category
  • Balance amount must be paid within the stipulated time frame
  • Late fee may be applicable on overdue partial payments

7.3 Advance Payments

  • Advance fee payments are accepted and will be adjusted against future dues
  • Advance payment receipts will clearly mention the adjustment details
  • Interest is not paid on advance fee payments

8. System Availability and Maintenance

8.1 Service Availability

  • Online payment portal is available 24/7 except during scheduled maintenance
  • Temporary unavailability due to technical issues or bank server maintenance
  • Alternative payment methods will be communicated during extended downtime

8.2 Scheduled Maintenance

  • System maintenance is typically scheduled during non-peak hours (12:00 AM to 6:00 AM)
  • Advance notice will be provided for planned maintenance activities
  • Emergency maintenance may be conducted without prior notice

8.3 Technical Support

  • Technical support is available during school office hours (9:00 AM to 5:00 PM)
  • Email support: payments@infantheavenschool.com
  • Phone support: [Technical Support Number]
  • Online help desk through the school website

9. Data Protection and Privacy

9.1 Personal Information Security

  • All personal and financial information is encrypted and securely stored
  • Information is used solely for payment processing and school administration
  • Third-party payment processors follow strict data protection standards
  • The school does not share payment information with unauthorized parties

9.2 Data Retention

  • Transaction records are maintained for a minimum of 7 years as per regulatory requirements
  • Personal information is retained as per the school’s privacy policy
  • Students/parents can request their payment history at any time

9.3 Privacy Compliance

  • All data handling complies with applicable Indian data protection laws
  • Payment processing follows RBI guidelines for digital transactions
  • User consent is obtained for all data processing activities

10. Dispute Resolution

10.1 Payment Disputes

  • All payment disputes must be reported within 30 days of the transaction date
  • Disputes should be raised through the school office with supporting documentation
  • Transaction ID, payment reference, and bank statement are required for dispute resolution

10.2 Resolution Process

  • School will investigate all genuine disputes within 7 working days
  • Payment gateway and bank will be contacted for technical dispute resolution
  • Resolution status will be communicated to parents via email and phone

10.3 Escalation Process

  • Unresolved disputes can be escalated to the school management
  • Banking ombudsman complaints can be filed for payment gateway issues
  • Legal recourse is available as per Indian banking and consumer protection laws

11. Liability and Limitations

11.1 School Liability

  • The school is not liable for transaction failures due to technical issues beyond its control
  • Bank charges, if any, are borne by the payer
  • The school’s liability is limited to the transaction amount in case of genuine errors

11.2 User Responsibility

  • Users are responsible for maintaining the confidentiality of their login credentials
  • Verification of transaction details before confirming payment
  • Immediate reporting of unauthorized transactions or security breaches
  • Ensuring sufficient funds/credit limit before initiating payments

11.3 Force Majeure

  • The school is not liable for service disruptions due to circumstances beyond control
  • This includes natural disasters, government regulations, or technical infrastructure failures
  • Alternative payment arrangements will be made during extended service disruptions

12. Compliance and Regulations

12.1 Regulatory Compliance

  • All online payments comply with RBI (Reserve Bank of India) guidelines
  • Adherence to Foreign Exchange Management Act (FEMA) regulations
  • Compliance with Income Tax Act provisions for TDS, if applicable
  • Following Prevention of Money Laundering Act (PMLA) requirements

12.2 Tax Implications

  • TDS will be deducted as per applicable tax laws
  • Tax-deducted certificates will be provided where applicable
  • Fee receipts can be used for income tax deduction claims under Section 80C

12.3 Audit and Records

  • All transactions are recorded and audited as per statutory requirements
  • Records are maintained for regulatory inspection and compliance verification
  • Transaction reports are available to authorized personnel only

13. Contact Information

For Online Payment Support:

Technical Issues:

  • Email: info@infantheavenworldschool.com
  • Phone: 9039218006
  • WhatsApp: 9039218006

Fee-Related Queries:

  • Email: info@infantheavenworldschool.com
  • Phone: 9039218006
  • Office Hours: Monday to Saturday, 8:00 AM to 2:00 PM

General Information:

  • School Office: 9039218006
  • Address: Infant Heaven World School, Takhatpur, C.G.
  • Website: www.infantheavenworldschool.in

14. Terms Modification

The school reserves the right to modify these online payment terms and conditions at any time. Users will be notified of changes through the school website, email, or SMS. Continued use of the online payment facility after modification constitutes acceptance of the revised terms.