Payment Policy

At Swami Associates, we strive to provide clear, transparent, and secure payment processes for our certification consultation services. This Payment Policy outlines how payments are made, managed, and handled.

1. Accepted Payment Methods

We accept the following payment modes:

• Bank Transfer (NEFT/IMPS/RTGS)

• UPI Payment

• Credit/Debit Cards

• Other digital wallets or online payment methods communicated during the consultation process

2. Payment Terms

• All fees for our consultation services will be communicated upfront.

• A portion of the total fees may be required as an advance to initiate the service.

• Full payment must be completed prior to final submission of documents or coordination with certification bodies, unless otherwise agreed in writing.

3. Invoicing

• Invoices will be provided for all payments, detailing services, applicable taxes, and payment details.

• Clients are advised to retain invoices for their records and future reference.

4. Refunds & Cancellations

• Payments are generally non-refundable once the service process has commenced.

• If the service is canceled before commencement, partial refunds may be considered based on the administrative work already completed.

• Any approved refund will be processed using the original payment method.

5. Late Payments

• Delays in payment may result in suspension or delay of ongoing consultation services.

• Swami Associates reserves the right to charge interest or additional fees on overdue payments where applicable.

6. Dispute Resolution

• Any payment-related disputes should be communicated in writing to our team.

• We will make all reasonable efforts to resolve disputes promptly and fairly.