Payment Policy & Modes of Payment

At SamSeth 925 Silver Jewellery, we aim to provide customers with a secure, convenient and transparent payment experience.

All purchases placed through SamSeth's authorised sales channels are subject to the following Payment Policy.

1. PAYMENT MODE — NO CASH ON DELIVERY

SamSeth does NOT offer Cash on Delivery (COD).

All orders must be fully paid in advance before the order is processed for dispatch.

Orders will be confirmed and processed only after successful receipt and verification of the applicable payment.

No product will be dispatched against an unpaid, partially paid or Cash on Delivery order unless specifically authorised by SamSeth in writing.

2. ACCEPTED MODES OF PAYMENT

Customers may make payment through the payment methods made available by SamSeth from time to time.

Available payment methods may include:

Cash on Delivery (COD): NOT AVAILABLE

SamSeth may add, remove or modify available payment methods from time to time.

3. FULL ADVANCE PAYMENT

All online orders placed through SamSeth's website or other applicable online sales channels require 100% advance payment.

The order will be considered confirmed only after:

The customer successfully completes the payment; and

The payment is successfully received/confirmed by the applicable payment gateway or SamSeth; and

The order is accepted for processing by SamSeth.

Simply initiating a payment does not constitute successful payment.

4. PAYMENT CONFIRMATION

After successful payment, the customer may receive an order/payment confirmation through the contact details provided during the purchase.

The customer should retain the:

Order confirmation

Payment confirmation

Transaction ID / Reference Number

Invoice, where issued

Any applicable promotional coupon or offer details

In case the customer has made payment but has not received an order confirmation, the customer should contact SamSeth with the relevant payment transaction details.

5. PAYMENT GATEWAY

Payments may be processed through SamSeth's authorised third-party payment gateway/service provider.

Customers may be redirected to the payment gateway's secure payment interface to complete the transaction.

SamSeth does not require customers to share their confidential card PIN, UPI PIN, OTP or internet-banking password with SamSeth personnel.

Important Security Notice

SamSeth representatives will never ask customers to disclose:

ATM PIN

Credit/Debit Card PIN

UPI PIN

Internet Banking Password

OTP

CVV, except where entered securely by the customer on the authorised payment interface

Customers should complete payment only through the official SamSeth website, authorised payment link or authorised payment interface.

6. PAYMENT SECURITY

SamSeth takes reasonable measures to facilitate secure online payments through authorised payment service providers.

However, customers acknowledge that electronic payment systems involve third-party networks and infrastructure.

SamSeth shall not be responsible for delays, failures or interruptions caused solely by:

Banks

Payment gateways

Card networks

UPI/payment systems

Internet service providers

Technical failures outside SamSeth's reasonable control

SamSeth will reasonably assist customers in resolving payment-related issues where possible.

7. FAILED, PENDING OR UNSUCCESSFUL PAYMENT

If the payment status is:

Failed

Declined

Cancelled

Pending

Timed out

Reversed

the order may not be processed until successful payment confirmation is received.

If money has been debited but the order is not confirmed:

The customer should contact SamSeth and provide:

Customer name

Order number, if generated

Payment transaction/reference number

Date and time of payment

Amount paid

Screenshot/payment confirmation, if available

SamSeth may coordinate with the applicable payment gateway/bank to verify the transaction.

8. DUPLICATE PAYMENT

If a customer believes that the same order has been charged more than once, the customer should immediately notify SamSeth with the relevant transaction details.

After verification, any eligible duplicate payment may be handled in accordance with the applicable refund process and applicable law.

9. ORDER PROCESSING AFTER PAYMENT

Payment confirmation does not automatically guarantee acceptance of every order.

SamSeth reserves the right to verify:

Product availability

Product eligibility

Pricing

Promotional eligibility

Payment status

Customer/order information

Potential fraudulent or suspicious transactions

If an order cannot be fulfilled after payment has been successfully received, SamSeth will communicate the applicable resolution to the customer and, where appropriate, process an eligible refund in accordance with its refund/cancellation policy and applicable law.

10. PRICING & PAYMENT AMOUNT

The customer shall be required to pay the amount displayed at the time of checkout or otherwise communicated by SamSeth for the applicable order.

The payable amount may include, where applicable:

Product price

Applicable GST/taxes

Shipping/delivery charges

Other applicable charges

The final payable amount shall be communicated to the customer before payment is completed.

11. PROMOTIONAL OFFERS & PAYMENT

Where an order is placed under a SamSeth promotional offer, the customer must comply with the applicable terms and conditions of that offer.

Promotional benefits, discounts, points or free gifts may be subject to:

Eligible products

Minimum purchase requirements

Payment completion

Offer period

Customer eligibility

Other applicable promotional conditions

12. PAYMENT AND “CHANDI PE CHANDI FREE” OFFER

For purchases made under the “Chandi Pe Chandi Free” offer, the applicable purchase amount must be successfully paid before the purchase is considered eligible for processing under the scheme.

SamSeth Points and promotional benefits will be calculated only on eligible purchases as specified in the applicable offer Terms & Conditions.

A failed, reversed, cancelled or refunded transaction shall not be treated as a completed eligible purchase unless expressly determined otherwise by SamSeth in accordance with the applicable terms and law.

13. REFUND POLICY

Where a refund is applicable, the refund shall generally be processed through the original payment method or through another legally permissible method determined by SamSeth.

The time taken for the refund to appear in the customer's account may depend on:

Payment gateway

Bank

Card issuer

UPI/payment service provider

Other financial institution

SamSeth will initiate eligible refunds within the applicable processing period after verification.

Refunds shall be subject to SamSeth's applicable Cancellation, Return, Exchange and Refund Policy.

14. CANCELLATION AFTER PAYMENT

Once an order has been successfully paid for, cancellation may be subject to SamSeth's applicable cancellation policy.

If the order has already been processed, packed or dispatched, cancellation may not be available or may be subject to the applicable return/refund terms.

Where a promotional gift or benefit has already been issued in connection with the order, the applicable promotional terms shall also apply.

15. RETURN / EXCHANGE AND PAYMENT ADJUSTMENT

Where a return or exchange is permitted under SamSeth's applicable policy:

The returned product must satisfy the applicable return conditions.

Promotional gifts may be required to be returned.

The value of promotional benefits may be adjusted where permitted.

Any eligible refund will be calculated after applicable adjustments.

The customer's refund shall be processed in accordance with the applicable SamSeth policy and applicable law.

16. PAYMENT REVERSAL / CHARGEBACK

If a customer initiates a payment chargeback or payment dispute with a bank, card issuer or payment provider, SamSeth may provide the relevant transaction, order and delivery information to the concerned payment institution for verification.

Where a chargeback is found to be unauthorised, fraudulent or inconsistent with the transaction record, SamSeth reserves its rights under applicable law.

17. FRAUD PREVENTION

SamSeth reserves the right to place an order on hold, cancel an order or request additional verification where it reasonably suspects:

Fraudulent payment activity

Unauthorised payment

Payment manipulation

Multiple suspicious transactions

Misuse of promotional offers

Identity or order-information discrepancies

Any action taken under this clause shall be subject to applicable law.

18. NO CASH PAYMENT FOR ONLINE ORDERS

For online orders, SamSeth does not accept cash payments at the time of delivery.

COD IS NOT AVAILABLE.

Customers must complete payment through an authorised payment method before dispatch.

19. OFFLINE / STORE PURCHASES

For purchases made directly at an authorised SamSeth physical store or outlet, the payment methods accepted at that location may differ from those available online.

Customers should follow the payment options communicated by the respective SamSeth authorised outlet.

This Payment Policy primarily governs purchases made through SamSeth's online and authorised digital sales channels.

20. THIRD-PARTY PAYMENT LINKS

Customers should make payments only through payment links or payment interfaces officially provided by SamSeth or its authorised payment service provider.

Customers should not make payments to:

Personal bank accounts

Unauthorised individuals

Unverified UPI IDs

Unofficial payment links

Unauthorised representatives

unless the payment method has been expressly verified and authorised by SamSeth.

21. PAYMENT DISPUTES

For any payment-related issue, customers should contact SamSeth through the official customer-support channel and provide sufficient transaction details to enable verification.

The customer should not share confidential authentication information such as OTPs, UPI PINs, passwords or card PINs.

22. POLICY MODIFICATION

SamSeth reserves the right to modify, update, suspend or amend this Payment Policy from time to time, subject to applicable law.

The latest version published through SamSeth's authorised channels shall apply to future transactions.

23. CUSTOMER ACCEPTANCE

By placing an order and completing payment through an authorised SamSeth payment method, the customer acknowledges that:

SamSeth does not offer Cash on Delivery (COD).

The customer is required to make payment in advance for online orders.

The customer has reviewed the applicable order, payment and promotional terms.

The customer agrees to comply with the applicable Payment, Cancellation, Return, Exchange, Refund and Promotional Policies.