TERMS & CONDITIONS

1. Introduction
   Welcome to Akshay. By accessing and using our website ( Akshay ), you agree to abide by the following Terms & Conditions. If you do not agree with these terms, kindly refrain from using our services.

1. Payment Terms
   We support a variety of secure payment methods, including:

• Credit & Debit Cards (Visa, Mastercard, American Express)
• Net Banking
• UPI & Digital Wallets

All transactions are processed securely. We do not store any sensitive financial information beyond the necessary processing window.

2.1 American Express Card Transactions

• We accept American Express (Amex) cards for all eligible purchases.
• Amex transactions are authorized at the time of purchase for validity and available credit.
• Refunds (if applicable) will be issued to the original Amex card as per the refund timeline.

1. Order Confirmation & Processing
   You will receive an email/SMS confirmation once your order and payment are successfully received.
   We reserve the right to cancel any order due to product unavailability, payment issues, or suspected fraudulent activity.

1. Refund & Cancellation Policy

4.1 Cancellation
Orders may be canceled before dispatch. Cancellations after dispatch will not be accepted.
Refunds for prepaid orders will follow the process outlined in our refund policy.

4.2 Refunds

• Refunds (if applicable) will be processed within 7–10 business days after approval.
• For Amex payments, refunds will be credited back to the same card as per Amex’s timeline.
• Any refund-related dispute must be raised within 14 days of purchase.

1. Dispute Resolution & Chargebacks
   If you face any issues, we encourage you to contact our support team before initiating a chargeback.
   Unauthorized chargebacks may result in temporary suspension of your account.

1. Data Security & Privacy
   We prioritize your privacy and data security. Our payment system complies with PCI DSS standards.
   All payments are processed through encrypted and trusted gateways. Sensitive card information is never stored on our servers.

1. Website Usage & Restrictions
   You agree not to misuse our platform for any illegal activities or unauthorized transactions.
   Violations may result in legal action or account deactivation.

1. Amendments & Changes
   We reserve the right to modify these Terms & Conditions without prior notice.
   Continued use of our website implies acceptance of the latest terms.

1. Contact Information
   For questions related to payments, refunds, or Amex transactions, feel free to reach us at:
   Mail: atharvanaastakarma@gmail.com