FEES & PAYMENTS POLICY
LivinCart and Services Private Limited
Effective Date: Jan 29th, 2026
LivinCart and Services Private Limited, having its registered office at [Insert Registered Address], operates and manages the website and mobile application www.livincart.com (“LivinCart Platform”), through which we offer a wide range of home furniture, décor, home improvement products, and interior services to our customers across India. This Fees & Payments Policy (“Policy”), read together with our Terms & Conditions, governs all aspects of fees, charges, payments, pricing corrections, and financial transactions made by users (“Users”, “you”, or “your”) on the LivinCart Platform. By accessing, browsing, or purchasing from the LivinCart Platform, you expressly acknowledge that you have read, understood, and agreed to be bound by this Policy. If you do not agree to the terms contained herein, you are advised to immediately discontinue your use of the LivinCart Platform.
1. Purpose of This Policy
The objective of this Policy is to provide users with a transparent, secure, and efficient payment experience. This Policy outlines the procedures that govern payment processing, safeguards for financial information, the rights and obligations of Users while transacting on the Platform, payment verification protocols, handling of unauthorized or incorrect transactions, and the manner in which pricing or billing discrepancies are addressed. LivinCart is committed to maintaining compliance with applicable Indian laws, RBI guidelines, and standard e-commerce industry practices to ensure that transactions are conducted smoothly and safely.
2. Fees and Payment Options
LivinCart does not levy any charges for simply browsing or accessing the Platform. However, we reserve the right to introduce fees or service charges for specific features, platform access, or premium offerings in the future, without prior notice. Your continued use after such changes will constitute your acceptance of such revised terms. To facilitate ease of purchase, LivinCart currently supports multiple payment options including UPI, net banking, select credit and debit cards, prepaid instruments, wallets, and Cash on Delivery (COD) where applicable. We may add, modify, or remove payment methods at any time based on business needs, technological changes, or regulatory requirements.
3. Payment Verification and Authorization
All payments made on the LivinCart Platform are subject to verification, authorization, and approval by LivinCart, banks, card issuers, and payment gateways. A transaction may be declined, held for manual review, or cancelled if it appears suspicious, inconsistent, or non-compliant with fraud prevention protocols. LivinCart retains the right to request additional identity or payment verification from a User at any time, including documents such as PAN card, Aadhaar, or proof of address. Failure to comply with such verification requirements may result in order cancellation, refund delays, or account suspension. These measures are essential to protect Users, LivinCart, and financial institutions from fraud and unauthorized activity.
4. User Responsibilities Regarding Payments
When making a payment on the LivinCart Platform, you represent and warrant that you are using a valid, lawfully obtained, and authorized payment instrument. You must ensure that all payment information entered on the Platform is accurate, complete, and up-to-date. LivinCart shall not be responsible for losses arising from inaccurate data entry, fraudulent use of payment credentials, compromised devices, or unauthorized access caused by User negligence. You agree to take full responsibility for securing your financial details and understanding that any misuse, whether by you or caused due to your failure to protect your information, shall be borne solely by you.
5. Payment Failures and Related Liability
LivinCart shall not be held liable for payment failures caused due to banking system errors, network interruptions, OTP failures, insufficient funds, or technical issues at the User’s end. Any dispute relating to bank charges, duplicate payments, or failed transactions must be resolved directly with your bank or payment provider. While LivinCart may provide reasonable assistance, the responsibility for such disputes lies with the User. If a transaction fails after the amount has been debited, the refund will be processed automatically by the bank or payment gateway within their stipulated processing timelines, and LivinCart shall not be responsible for delays in such reversals.
6. Transaction Limits and Fraud Monitoring
LivinCart reserves the right to impose limits on purchase volumes, transaction frequency, or transaction values based on User history, product category, or risk evaluation. Orders may be withheld, verified, or cancelled if they exceed permitted limits or appear suspicious. To maintain platform integrity, LivinCart monitors transactions for fraud indicators such as repeated payment failures, mismatched billing details, rapid multiple transactions, or use of unauthorized payment instruments. LivinCart shall not be liable for delivery delays, cancellations, or order modifications arising from fraud-prevention measures.
7. Product Pricing, Taxes, and Corrections
All prices displayed on the LivinCart Platform include applicable taxes unless otherwise specified. Additional charges such as delivery fees, installation fees, or service charges may apply based on product type and delivery location. Occasionally, pricing errors may occur due to technical issues, system updates, or manual inaccuracies. If the price displayed on the Platform is lower than the actual price, and the error is discovered after delivery, the User must notify LivinCart within 24 hours, after which the price difference will be refunded upon verification. If the actual price is higher than what was displayed, LivinCart reserves the right to request the User to pay the difference before dispatch or to cancel the order and issue a full refund if the User declines.
8. Bank and Payment Provider Terms
All payments made on the Platform are additionally governed by the terms and conditions of the User’s bank, card issuer, or payment provider. LivinCart has no control over such third-party terms, charges, payment limits, or verification processes. Users acknowledge that banks or payment providers may decline transactions for various reasons beyond LivinCart’s control, and LivinCart shall not be liable for such issues. Users must comply with all applicable banking and regulatory guidelines related to online payments.
9. Third-Party Payment Service Providers
To facilitate secure online payments, LivinCart works with third-party payment gateways, aggregators, wallet operators, and financial intermediaries who operate under RBI-compliant frameworks. These entities may manage nodal accounts, escrow systems, and payment settlement processes required under Indian law. LivinCart does not store any sensitive payment information such as full card numbers, CVV codes, or UPI PINs. All such information is processed and stored exclusively by PCI-DSS compliant payment partners.
10. Unauthorized or Fraudulent Transactions
If you identify an unauthorized or suspicious transaction on your payment instrument related to the LivinCart Platform, you must immediately verify whether any authorised person accessed your account. If not, you must notify LivinCart within ten (10) days of the transaction via support@livincart.com. LivinCart will initiate an internal investigation after receiving your complaint. Delayed reporting or failure to cooperate during the investigation may limit or void LivinCart's ability to assist. LivinCart shall not be responsible for losses resulting from negligence, compromised devices, or failure to secure login credentials.
11. Invalidated Payments
In cases where a payment is reversed, charged back, or declared fraudulent after order processing (“Invalidated Payment”), LivinCart reserves the right to recover the outstanding amount from the User. The User must remit the Invalidated Payment to LivinCart within five (5) working days of receiving notice. Failure to repay may result in account suspension, legal action, debt recovery proceedings, or reporting to authorities. The User shall bear all associated costs, legal fees, and penalties arising from non-payment.
12. Refunds for Payment-Related Issues
Refunds for cancelled orders, failed transactions, pricing corrections, or rejected payments will only be processed to the original payment method used at checkout. Refund timelines depend on the User’s bank or payment provider and may range from 3 to 10 business days. LivinCart shall not be responsible for delays caused by banking processes, technical failures, or holidays. Refunds for COD payments, if applicable, will be processed through bank transfer after the User provides accurate bank details.
13. Customer Support
For questions or concerns regarding payments, refunds, or billing disputes, Users may contact the LivinCart Customer Support team at contact@livincart.com or 7702312351. Our support team aims to respond within 24–48 working hours and will assist you in accordance with this Policy and applicable laws.