Fees and Payments

A. Fiddas Marketing Private Limited, a Private Limited company incorporated under the Companies Act, 1956, having its registered office at RZ-125, Vishnu Garden Extn, New Delhi-110018, India ("Kaamkaj") is a retail/wholesale company which offers various retail/Wholesale solutions, including, through its website www.kaamkaj.in and its mobile applications ("Platforms") various online lifestyle and fashions, which facilitates the sale and purchase of lifestyle and fashion merchandise ("Products") by users of the Platforms ("Users").

B. The Fees and Payments Policy

1. This Kaamkaj fees and payments policy (“KFPP Policy”), together with the terms of use describes kaamkaj’s accepted payment methods, and Kaamkaj’s policies and procedures in relation to acceptance of fees and payments towards the services offered through the Platforms. Kaamkaj’s primary object is to ensure that the Platforms are user friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by Users.


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


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


4. In order to ensure User convenience, Kaamkaj offers multiple payment options to Users. Kaamkaj, without prior notice to Users, reserves the right to add or delete payment options from the ones Mentioned below:
   • Payment through net banking facilities, selected credit card/ debit cards, cash on delivery (COD);
   • Payments through prepaid payment instruments and electronic wallets;
   • Payment through equated monthly instalments (“EMI”);
   • Any other payment option as may be provided 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,


5. It is clarified that accepting a User’s payment through the Payment Options is solely at Kaamkaj’s discretion. Kaamkaj reserves the right to reject payment from a User through the Payment Options for any reason whatsoever.


6. In order to further validate a User’s transaction, Kaamkaj may request the User to submit a copy of the User’s photo identity proof (such as the User’s PAN card or Aadhar Card), failing which, Kaamkaj reserves the right to reject a User’s payment made through the Payment Options.


7. Kaamkaj shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to: (a) a lack of authorisation for any transaction, including such transactions carried out on gift cards and vouchers issued to Users as a part of Kaamkaj’s promotions; (b) the exceeding of the credit/debit limit mutually agreed between the User and the issuing bank; (c) any payment issue arising out of technical glitches occurring during a transaction; or (d). a declination of transaction for reasons beyond Kaamkaj’s control.


8. 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 third party payment gateway provider.


9. 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. Kaamkaj 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.


10. Kaamkaj reserves the right to impose limits on the number of transactions a User may done over the Platforms. Kaamkaj reserves the right to refuse to process such transactions if exceeded by number of transaction allowed. Kaamkaj may refuse to process transactions emanating from Users who have suspicious or questionable transaction history on the Platforms. Should Kaamkaj be dissatisfied with the credibility of a User or the genuineness of a transaction carried out on the Platforms, Kaamkaj shall have the right to reject such transactions.


11. Kaamkaj 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 Kamkaj shall not be liable for any damage, interests or claims resulting from Kaamkaj’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 Platforms.


12. All the Products listed on the Platform are including all applicable taxes. You will be responsible for payment of all fees/costs/charges associated with the purchase of Products from us and you agree to bear any and all applicable taxes including but not limited to VAT/CST, service tax, GST, duties and cesses etc. Despite Kaamkaj’s best efforts, there may be instances of mispricing of Products on the Platforms 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 Platforms, errors and discrepancies arising out of technical glitches and time lags is unavoidable. For avoidance of doubt, Kaamkaj’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 Platforms is set out below:


13. If the maximum retail price (MRP) of the Product listed on the Platforms is higher than what has been published and if Kaamkaj is not providing an offer or discount on such Products, Kaamkaj shall have the right to reserve the despatch of the purchased Products until the error/bug on the Platforms 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 into the User’s bank account within 7 (seven) days by AJIO.


14. In order to process such refunds, the User will be required to send an email to us at customergrievance@kaamkaj.in. the User will receive a refund if the initial mode of payment for the order was ‘cash on delivery’. If the initial mode of payment for the order was through a Payment Option other than the ‘cash on delivery’ option, Kaamkaj may transfer the refund to the User’s source account that was used to make the initial payment.


15. To enable Users to make payments for buying Products on the Platforms, in addition to this KFPP 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 Platforms and Kaamkaj does not control the same and hence, shall not be at any point in time held liable.


16. Kaamkaj 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 Kaamkaj. 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 Platforms, Kaamkaj shall initiate payments to third party service providers.


17. 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 Platforms and the User is not aware of such purchase on the Platforms, 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 Platforms. 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 Platforms, the User may report such unauthorised purchase to Kaamkaj within 15 (Fifteen) days from the date on which the unauthorised purchase was carried out on the Platforms in order to enable Kaamkaj initiate investigations.


18. If the User carries out a purchase on the Platforms and the payment in lieu thereof has been invalidated, Kaamkaj reserves the right to retrieve the invalidated payment (“Invalidated Payment”) from the User in order to facilitate such redemption of the Invalidated Payment, the User shall within 7 (Seven) business days from the date of receiving a written notice from Kaamkaj, remit the Invalidated Payment into Kaamkaj’s bank account, details of which shall be set out in the notice. If the User fails to remit the Invalidated Payment into Kaamkaj’s bank account despite having received the notice, Kaamkaj shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.


19. Cash on Delivery: The ‘cash on delivery’ (COD) Payment Option allows Users to make a cash-only payment to Kaamkaj’s delivery executive or logistic partner at the time of delivery of the purchased Product to the User. Presently, Kaamkaj offers a maximum order value of INR 5,000 (Indian Rupees Five Thousand) under the cash on delivery Payment Option. Kaamkaj reserves the right not to provide cash on delivery Payment Option for certain Products (these could be Products specified by Kaamkaj or Products with value exceeding a specified amount) or locations. Users are required to peruse and accept the terms set out under the Return and Refund Policy which sets out the terms of refunds for transactions carried out using the cash on delivery Payment Option.


20. The EMI Payment Option allows Users to make staggered payments for the purchase of Products from the Platforms. The EMI Payment Option can be availed only for the purchase of Products with a minimum cart value of INR decided by Kaamkaj. The EMI Payment Option is only available for payment through credit cards issued by selected banks as specified on the Platforms. The terms and conditions of the relevant banks shall be applicable on all payments made by Users using the EMI Payment Option, and Kaamkaj will not be responsible or liable for any issues or claims arising from the use of this Payment Option.

C. Grievance Redressal

Any grievances relating to the KFPP Policy may be directed by you to the grievance officer of Kaamkaj who can be contacted at customergrievance@kaamkaj.in.