Effective Date: August 20, 2026

This Payment & Refund Policy applies to payments, purchases, business transactions, orders, and other commercial dealings with Bhikamji Foods.

By making a payment to Bhikamji Foods or entering into a business transaction with us, you acknowledge and agree to the terms stated in this policy.

1. Payment Terms

Customers, clients, distributors, dealers, and business partners are responsible for making payments through the payment method and within the time period communicated or agreed upon for the respective transaction.

Payment methods may include bank transfer, online payment, payment gateway, cheque, or other methods accepted by Bhikamji Foods.

Specific payment terms may vary depending on the nature of the transaction, order, or business arrangement.

2. No General Refund Policy

Bhikamji Foods does not have a general refund policy. Payments made for products, services, orders, business arrangements, or other transactions are generally non-refundable once the transaction has been accepted or processed.

Customers and clients are therefore advised to verify the order, product requirements, quantities, pricing, payment details, and other relevant information before making payment.

3. Refund at Management’s Discretion

Notwithstanding the above, in certain exceptional circumstances, Bhikamji Foods may consider providing a refund.

Any such refund will be made solely at the discretion of the management after reviewing the circumstances of the particular case.

Where a refund is approved:

• The refund amount will be determined by the management.

• No interest, penalty, compensation, or additional amount will be payable on the refunded amount.

• The applicable refund process and timeline will be communicated to the concerned customer or client.

• The management’s decision regarding the eligibility and amount of refund shall be final, subject to applicable law.

4. GST Invoice Requirement for Discrepancies or Corrections

For any payment discrepancy, billing correction, refund request, adjustment, or other financial claim relating to a transaction, production of the GST invoice issued by Bhikamji Foods is mandatory, wherever applicable.

Customers and clients should retain their original GST invoice and other relevant payment records for future reference.

Bhikamji Foods may not be able to process a discrepancy, correction, adjustment, or refund request without appropriate transaction and invoice documentation.

5. Failed, Pending, or Stuck Payments

If a payment has been initiated but remains pending, stuck, uncleared, or unsuccessful at any stage involving a payment gateway, bank, payment service provider, or cheque clearance, the responsibility for resolving the payment status shall remain with the customer/client until the payment is successfully credited and confirmed by Bhikamji Foods.

This includes, but is not limited to:

• Payment gateway failures or pending transactions.

• Bank-side delays or technical issues.

• Payment reversals or failed transactions.

• Pending UPI or online payment transactions.

• Cheques that have not been cleared.

• Payments held or delayed by a bank or payment service provider.

A payment shall generally be considered received only after the amount has been successfully credited to and confirmed by Bhikamji Foods.

Customers should contact their respective bank, payment gateway, or payment service provider for issues relating to a payment that has not been successfully credited to Bhikamji Foods.

6. Duplicate or Incorrect Payments

If you believe that you have made a duplicate payment or an incorrect payment, you should contact us as soon as possible with the relevant transaction details and the applicable GST invoice.

Any adjustment or refund will be reviewed by management and handled in accordance with this policy.

7. Processing of Approved Refunds

Where management approves a refund, the refund may generally be processed through the original payment method or another suitable method determined by Bhikamji Foods.

The time taken for the amount to reflect in the customer’s account may depend on the relevant bank, payment gateway, or financial institution.

Bhikamji Foods shall not be responsible for delays caused by banks, payment gateways, financial institutions, or other third-party payment service providers.

8. Changes to This Policy

Bhikamji Foods reserves the right to modify, update, or change this Payment & Refund Policy at any time without individual or further notification.

The updated policy will be published on this website. Continued use of our website or continued business dealings with Bhikamji Foods after any modification will constitute acceptance of the revised policy.

9. Governing Law and Jurisdiction

This Payment & Refund Policy shall be governed by and interpreted in accordance with the applicable laws of India.

The jurisdiction for matters arising from or relating to this policy shall be limited to the competent courts and authorities having jurisdiction in Guwahati city, Assam, India.

10. Contact Us

For payment-related queries, discrepancies, corrections, or other concerns, please contact us:

Bhikamji Foods
Email: info@bhikamjifoods.com
Mobile: +91-84860-21720

Please include your GST invoice, payment reference/transaction ID, date of payment, and relevant details when contacting us regarding a payment discrepancy or refund request.

11. Acceptance of This Policy

By making a payment, placing an order, purchasing products, submitting a business enquiry, or otherwise entering into a transaction with Bhikamji Foods, you acknowledge that you have read, understood, and agreed to this Payment & Refund Policy.