This Payment and Refund Policy sets out the terms and conditions on the basis of which we, at MRG Blockchain Solutions Pvt. Ltd., a company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at Mumbai, Maharashtra, India, India (collectively, “Mykaizen”, “MRG”, “Company”, “we,” “us,” or “our”) collect, use, share and process your information, that you provide to us through your use of the app, Mykaizen & website https://mykaizen.io in the course of availing services that are made available on the said app and website (“Services”) as defined in the Payment & Refund Policy to you.

a. Payment

1. You may use any payment service, like UPI, internet banking or debit or credit cards for making payments for availing any of the Services and / or Subscription over the Platform (“Fees”). You shall be directed to our third-party payment aggregator/gateway partners such as Razorpay / PayU / Paytm / PhonePe / CRED Pay / Juspay / Amazon Pay (“Payment Aggregator(s)”) once you proceed to make payment of the Fees. Once re- directed to the Payment Aggregator, you agree to be bound by the terms and conditions and privacy policy prescribed by the third party payment gateway/aggregation partner, basis which, the transaction shall take place. We will share your details with the Payment Aggregator as per the terms of our privacy policy (available at https://mykaizen.io and the same shall be processed in accordance with the respective Payment Aggregator’s privacy policy as may be made available to you by such Payment Aggregator.
2. Mykaizen shall not be liable in any manner whatsoever, if incorrect or inaccurate details (including those concerning credit or debit card(s)) are provided by you for making the payment of the Fees or if you use a credit or debit card which is not lawfully owned by you or if you permit a third party to use your password or any other means of accessing your bank account or credit card or debit card. Please note that neither we nor the Payment Aggregator will be monitoring your use of any payment channel and you are required to use the payment modes at your sole option and risks.
3. The Payment Aggregator may block any card number, account numbers, group of cards or transactions from any specific blocked or blacklisted customer cards, accounts, group of IP addresses, devices, geographic locations as deemed fit.
4. The Payment Aggregator and banks reserve the right to reject payments with respect for any order including for suspicious and unlawful transactions, potential or actual fraud, suspicious activities, card authentication and authorization issues, over payment made due to mathematical errors or any other issue.
5. Mykaizen shall keep the financial information as referred to in the (“Privacy Policy”) confidential at all times and shall not utilize and share the same with any of the third parties unless it is a third party consented to by you and/or required by law, regulation or court order.
6. Mykaizen shall not be liable for the rejection of any authorization request placed by you for payment of the Fees, by any bank, payment gateway, Payment Aggregator, or other relevant third party, for any reason including but not limited to risk management, suspicion of fraudulent, illegal or doubtful transactions, use of blacklisted/banned cards or pursuant to applicable laws, rules or regulations or any instructions from (or contained in) any guidelines or instructions by the Reserve Bank of India or any internal policies, etc., of such bank, payment gateway or other relevant third party.
7. If you visit or are redirected to Mykaizen website or the Mykaizen App / Web Interface (collectively referred to as the “Mykaizen Platforms”), you agree and acknowledge that Mykaizen is not involved in, in any manner whatsoever, and does not facilitate.
   • The payments for products sold over Mykaizen Platforms and that the same is facilitated solely by Mykaizen and/or any third party entities (including payment aggregators) engaged by Mykaizen for such purpose
   • the invoicing of products sold over the Mykaizen Platforms; and
   • the prescription validation undertaken on the Mykaizen Platforms by Mykaizen and/or any third party entities engaged by Mykaizen for such purpose.