This certificate outlines the Terms and Conditions for online payments made through the payment gateway integrated on the Anand Niketan School website. By making a payment, users agree to comply with the following terms:

1. Payment Acceptance

• Online payments for school fees and other services are processed through a secure payment gateway (e.g., Razorpay, etc.).
• Payments can be made using credit/debit cards, net banking, UPI, and other available payment methods.

2. Transaction Confirmation

• After successful payment, a confirmation receipt will be sent via email/SMS to the registered contact details.
• If a transaction fails but the amount is deducted, users are advised to wait for 24-48 hours for automatic refund processing by the payment gateway.

3. Refund & Cancellation Policy

• School fees and other payments are non-refundable, except in exceptional cases at the sole discretion of the school management.
• Any refund request must be submitted in writing to the school administration along with valid proof of payment.
• Refunds (if approved) will be processed within 7-10 working days and credited to the original payment method.

4. Security & Liability

• The payment gateway follows PCI DSS-compliant security measures to protect transaction data.
• Anand Niketan School does not store or have access to users’ credit/debit card details or banking credentials.
• The school is not liable for payment failures due to incorrect details, banking errors, or technical issues with the payment gateway.

5. Dispute Resolution

• Any payment-related disputes should be reported to Anand Niketan School’s accounts department at [contact email/phone].
• Users may also contact the payment gateway provider (Razorpay Support: https://razorpay.com/support) for transaction-related assistance.

6. Changes to Terms & Conditions

• Anand Niketan School reserves the right to modify these terms at any time without prior notice.
• Users are encouraged to review the terms periodically on the official website.