Payment Policy

 

1. What is this Fees and Payments Policy?

 

1.1. This fees and payments policy (“FPP Policy”), together with the terms of use describes Zest N Zeal’s accepted payment methods, and Zest N Zeal’s policies and procedures in relation to acceptance of fees and payments towards the services offered through the Website and/or the Mobile Applications. Zest N Zeal’s primary object is to ensure that the Website and Mobile Applications are user friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by Users.

 

1.2. Users are required to peruse and understand the terms of this FPP Policy. If you do not agree to the terms contained in this FPP Policy, you are advised not to accept the Terms of Use and this FPP Policy and may forthwith leave the Website and stop using the Mobile Applications. The terms contained in this FPP Policy shall be accepted without modification and accordingly, you agree to be bound by the terms contained herein.

 

2. Fees and Payment Options

 

2.1. Zest N Zeal does not levy any fee for browsing the Website and Mobile Applications. Zest N Zeal may, in future, consider levying fees on the Users for using the Website and/or the Mobile Applications as a whole, or for use of certain features of the Website and/or the Mobile Applications. In such an event, you agree to pay any such fees, as applicable. Zest N Zeal does not covenant or guarantee providing you with a notice prior to enforcing such a levy of fees. Your continued usage of the Website and/or the Mobile Applications after such change in the fees will be considered to be your acceptance of such changes.

 

2.2. In order to ensure User convenience, Zest N Zeal offers multiple payment options to Users. Zest N Zeal, without prior notice to Users, reserves the right to add or delete payment options from the ones listed below:

2.2.1. Payment through net banking facilities;

2.2.2. Payment through select credit cards;

2.2.3. Payment through select debit cards;

2.2.4. Payment through store credit;

2.2.5. Payments through cash on delivery; and

2.2.6. Any other payment option as may be provided by Zest N Zeal from time to time.

The payment options referred to above shall hereinafter collectively be referred to as “Payment Options”. While reasonable endeavours are made to offer the Payment Options through varied banking channels, presently, Zest N Zeal accepts payments only from major, select banking avenues.

 

12.3. It is expressly clarified that accepting a User’s payment through the Payment Options is solely at Zest N Zeal’s discretion. Zest N Zeal reserves the right to reject payment from a User through the Payment Options for any reason whatsoever. In order to further validate a User’s transaction, Zest N Zeal may request the User to submit a copy of the User’s photo identity proof, failing which, Zest N Zeal reserves the right to reject a User’s payment made through the Payment Options.

 

2.4. While using the Payment Options, Users agree to provide correct, complete and accurate financial information such as credit/debit card details or prepaid payment instrument account details which may be stored by Zest N Zeal’s third party payment gateway provider. Users shall not use a credit/debit card or prepaid instrument which is not lawfully owned by him/her or which the User has not been lawfully authorised to use. The User shall solely be responsible for the security and confidentiality of his/her financial information. Zest N Zeal disclaims all liabilities that may arise as a consequence of any unauthorised use of the User’s financial information and/or identity, including, details relating the Payment Options.

 

2.5. Zest N Zeal shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to:

2.5.1. a lack of authorisation for any transaction, including such transactions carried out on gift cards and vouchers issued to Users as a part of Zest N Zeal’s promotions;

2.5.2. the exceeding of the credit/debit limit mutually agreed between the User and the issuing bank;

2.5.3. any payment issue arising out of technical glitches occurring during a transaction; or

2.5.4. a declination of transaction for reasons beyond Zest N Zeal’s control.

 

2.6. Zest N Zeal reserves the right to impose limits on the number of transactions a User may undertake over the Website and/or the Mobile Applications. Should the User exceed such transaction limits imposed by Zest N Zeal, Zest N Zeal reserves the right to refuse to process such transactions. Zest N Zeal may refuse to process transactions emanating from Users who have suspicious or questionable transaction history on the Website and/or the Mobile Applications. Should Zest N Zeal be dissatisfied with the credibility of a User or the genuineness of a transaction carried out on the Website and/or the Mobile Applications, Zest N Zeal shall have the right to reject such transactions. Zest N Zeal may also choose to delay the dispatch of Products purchased by such Users or cancel the entire purchase at its sole discretion. The User agrees that Zest N Zeal shall not be liable for any damage, interests or claims resulting from Zest N Zeal’s decision to not process a transaction or delay in the processing of a transaction on account of a User’s suspicious activity on the Website and/or the Mobile Applications.

 

2.7. Unless specified otherwise, all the Products listed on the Website and the Mobile Applications shall be sold in the listed currencies, either at maximum retail price or at an offer or discounted price, with or without applicable taxes. Despite Zest N Zeal’s best efforts, there may be instances of mispricing of Products on the Website and/or Mobile Applications during or after the process of purchase of Products has been carried out by the User. While thorough processes of verification are carried out prior to the publication of Product prices on the Website and the Mobile Applications, errors and discrepancies arising out of technical glitches and time lags is unavoidable. For avoidance of doubt, Zest N Zeal’s curative actions that will arise in the event of a price difference arising on the actual maximum retail price of a Product against the price published on the Website and/or the Mobile Applications is set out below:

2.7.1. If the maximum retail price of the Product delivered to the User is lower than the price published on the Website and/or the Mobile Applications, the User shall, within 24 (twenty four) hours from the time when he/she received the Product, intimate Zest N Zeal by writing to admin@zestnzeal.com, in each case resulting in an acknowledgment. Upon Zest N Zeal being satisfied of the User’s claim, the difference in the purchase price against the maximum retail price shall be refunded as store credit within 1 (one) day from the date of receiving the written notice from the User.

2.7.2. If the maximum retail price of the Product listed on the Website and/or the Mobile Applications is higher than what has been published and if Zest N Zeal is not providing an offer or discount on such Products, Zest N Zeal shall have the right to reserve the despatch of the purchased Products until the error on the Website and/or the Mobile Applications have been rectified and the User pays the difference amount. If the User refuses to pay the difference, the User is entitled to seek a cancellation and the monies paid by the User shall be refunded as store credit within 7 (seven) days by Zest N Zeal.

 

2.8. To enable Users to make payments for buying Products on the Website and/or the Mobile Applications, in addition to this FPP Policy, the terms and conditions of the User’s bank, applicable financial institution and/or card issuing association may be applicable. The User’s bank, financial institution or card issuing association may decline or prevent the User from making electronic payments for buying the Products on the Website and/or Mobile Applications and Zest N Zeal does not control the same and hence, shall not be at any point in time held liable.

 

2.9. Zest N Zeal may, from time to time contract with third party payment service providers including banks, to open nodal bank accounts under applicable Indian laws. This will be done to facilitate the payments between Users and other third parties, apart from Zest N Zeal. These third parties may include other service providers including payment aggregators, prepaid instrument providers, courier and logistic service providers etc. Upon successful delivery of the Products purchased by you through the Website and/or the Mobile Applications, Zest N Zeal shall initiate payments to third party service providers.

 

2.10. If it is brought to the User’s notice that a charge has been created on his/her payment instrument(s) for purchase of Product(s) on the Website and/or the Mobile Applications and the User is not aware of such purchase on the Website and/or the Mobile Applications, the User is first, required to verify if his/her family members, friends or business colleagues were authorised to carry out the purchase of Product(s) on the Website and/or Mobile Applications. If, despite this, the User continues to be unable to identify the charge created on his/her payment instrument(s) for purchase of Product(s) on the Website and/or the Mobile Applications, the User may report such unauthorised purchase to Zest N Zeal within 30 (thirty) days from the date on which the unauthorised purchase was carried out on the Website and/or the Mobile Applications in order to enable Zest N Zeal initiate investigations.

 

2.11. If the User carries out a purchase on the Website and/or the Mobile Applications and the payment in lieu thereof has been invalidated, Zest N Zeal reserves the right to retrieve the invalidated payment (“Invalidated Payment”) from the User’s store credit. Should the User have insufficient store credit in order to facilitate such redemption of the Invalidated Payment, the User shall within 5 (five) business days from the date of receiving a written notice from Zest N Zeal, remit the Invalidated Payment into Zest N Zeal’s bank account, details of which shall be set out in the notice. If the User fails to remit the Invalidated Payment into Zest N Zeal’s bank account despite having received the notice, Zest N Zeal shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.

 

2.12. Store Credit: If a User cancels an order for which payment has already been made to Zest N Zeal, the User shall have an option to convert the monies paid towards the order into store credit. Zest N Zeal may also, at its sole discretion, grant Users with store credit. The store credits can be used by the User for future purchases only on the Website and/or the Mobile Applications. In the eventuality of a User wishing to deactivate his/her account with Zest N Zeal, the User agrees that all store credit available on the User’s store credit account, if any, will automatically stand forfeited, and Zest N Zeal will not be required to process any refunds in any manner whatsoever. The User therefore agrees to use and exhaust any existing store credit prior to requesting for a deactivation of his/her account on the Website and/or Mobile Applications.