Payment Terms

Last Updated: December 12, 2025

1. Overview

This Payment Terms document outlines the payment policies, procedures, and terms for Jyotiba CRM, a product of Jyotibainfotech. By subscribing to our services, you agree to these payment terms in addition to our Terms and Conditions.

These terms apply to all subscription plans, payment methods, and billing arrangements for Jyotiba CRM services.

2. Subscription Plans and Pricing

2.1 Available Plans

Jyotiba CRM offers multiple subscription tiers with varying features and pricing:

  • Starter Plan: Entry-level plan for small businesses
  • Professional Plan: Advanced features for growing businesses
  • Enterprise Plan: Custom solutions for large organizations

2.2 Pricing Structure

All prices are displayed in the currency specified during checkout and are subject to applicable taxes. Pricing may vary based on:

  • Selected subscription plan
  • Billing cycle (monthly or annual)
  • Number of users and locations
  • Additional features or add-ons
  • Geographic location and applicable taxes

2.3 Price Changes

We reserve the right to modify our pricing at any time. Existing subscribers will be notified at least 30 days in advance of any price changes. Price changes will take effect at the start of your next billing cycle after the notice period.

3. Payment Methods

3.1 Accepted Payment Methods

We accept the following payment methods:

  • Credit Cards: Visa, Mastercard, American Express, Discover
  • Debit Cards: Major debit cards with international payment capability
  • Digital Wallets: PayPal, Google Pay, Apple Pay
  • Bank Transfers: Available for annual subscriptions (subject to approval)
  • UPI: Unified Payments Interface (for Indian customers)
  • Net Banking: Direct bank payment options

3.2 Payment Security

All payment transactions are processed through secure, PCI-DSS compliant payment gateways. We do not store complete credit card information on our servers. Payment data is encrypted using industry-standard SSL/TLS protocols.

3.3 Payment Gateway Partners

We partner with reputable payment gateway providers to ensure secure and reliable payment processing:

  • Stripe - International payment processing
  • Razorpay - Indian payment processing
  • PayPal - Global payment solutions

4. Billing Cycles and Charges

4.1 Billing Frequency

Subscriptions are billed on a recurring basis according to your selected billing cycle:

  • Monthly Billing: Charged on the same day each month
  • Annual Billing: Charged once per year (with discount)

4.2 Advance Payment

All subscription fees are billed in advance at the beginning of each billing cycle. You will receive access to the service immediately upon successful payment.

4.3 Automatic Renewal

Your subscription will automatically renew at the end of each billing cycle unless you cancel before the renewal date. You authorize us to charge your payment method on file for the renewal amount.

4.4 Pro-rata Charges

If you upgrade your plan mid-cycle, you will be charged a pro-rated amount for the remainder of the current billing period. The new plan rate will apply in full from the next billing cycle.

5. Taxes and Additional Fees

5.1 Applicable Taxes

Subscription fees are exclusive of all applicable taxes, including but not limited to:

  • Value Added Tax (VAT)
  • Goods and Services Tax (GST)
  • Sales Tax
  • Service Tax
  • Other local or national taxes as applicable

You are responsible for paying all applicable taxes. Taxes will be calculated and added to your invoice based on your billing address.

5.2 Transaction Fees

Payment gateway transaction fees, if any, are included in the subscription price. However, certain payment methods may incur additional fees:

  • International transaction fees (for cross-border payments)
  • Currency conversion fees (if applicable)
  • Bank charges for wire transfers

5.3 Tax Documentation

We provide tax invoices for all payments. You can download invoices from your account dashboard or request them via email at billing@jyotibainfotech.in.

6. Free Trial Terms

6.1 Trial Period

New users may be eligible for a free trial period (typically 14 days). During the trial:

  • No payment is required to start the trial
  • Full access to selected plan features is provided
  • You can cancel anytime during the trial without charge

6.2 Trial to Paid Conversion

At the end of the trial period, your subscription will automatically convert to a paid plan:

  • You will be charged the full subscription fee for the selected plan
  • Payment will be processed using the payment method on file
  • You will receive an email notification before the trial ends

6.3 Trial Eligibility

Free trials are limited to one per customer/organization. We reserve the right to deny trial access to prevent abuse.

7. Failed Payments and Account Suspension

7.1 Payment Failures

If a payment fails for any reason (insufficient funds, expired card, etc.):

  • You will be notified immediately via email
  • We will attempt to process the payment again within 3-5 days
  • You should update your payment information as soon as possible

7.2 Grace Period

We provide a grace period of 7 days from the failed payment date to resolve payment issues. During this time, your service access will continue with limited functionality.

7.3 Account Suspension

If payment is not received within the grace period:

  • Your account will be suspended
  • Access to the service will be restricted
  • Your data will be retained for 30 days
  • Late payment fees may apply

7.4 Account Reactivation

To reactivate a suspended account, you must pay all outstanding amounts plus any applicable late fees. Access will be restored within 24 hours of successful payment.

8. Refunds and Cancellations

8.1 Refund Policy

Our refund policy is detailed in our separate Refund Policy document. Key points:

  • No refunds for partial billing periods
  • Annual subscriptions may be eligible for pro-rated refunds within 30 days
  • Refunds are processed within 7-10 business days

8.2 Cancellation Process

You can cancel your subscription at any time:

  • Log in to your account and navigate to subscription settings
  • Click "Cancel Subscription" and follow the prompts
  • Or contact support at support@jyotibainfotech.in

8.3 Effect of Cancellation

Upon cancellation, your subscription will remain active until the end of the current billing period. You will not be charged for subsequent billing cycles. Access to the service will cease at the end of the paid period.

9. Upgrades and Downgrades

9.1 Plan Upgrades

You can upgrade your plan at any time:

  • Upgrades take effect immediately
  • You will be charged a pro-rated amount for the remainder of the current billing cycle
  • The new plan rate applies in full from the next billing cycle

9.2 Plan Downgrades

You can downgrade your plan at any time:

  • Downgrades take effect at the end of the current billing cycle
  • No refunds or credits are provided for the current billing period
  • Access to premium features will be removed when the downgrade takes effect

9.3 Feature Limitations

When downgrading, ensure your usage is within the limits of the new plan. Data exceeding the new plan limits may be archived or restricted.

10. Invoicing and Payment Records

10.1 Invoice Generation

An invoice is automatically generated for each payment:

  • Invoices are sent to your registered email address
  • Invoices can be downloaded from your account dashboard
  • Each invoice includes a unique invoice number for reference

10.2 Invoice Details

Invoices include:

  • Company details (Jyotibainfotech)
  • Customer billing information
  • Itemized charges and descriptions
  • Applicable taxes and fees
  • Payment method and transaction ID
  • Billing period covered

10.3 Payment History

Complete payment history is available in your account dashboard. You can view, download, and print past invoices at any time.

11. Disputes and Chargebacks

11.1 Payment Disputes

If you believe you have been incorrectly charged:

  • Contact our billing support immediately at billing@jyotibainfotech.in
  • Provide your invoice number and details of the dispute
  • We will investigate and respond within 5 business days

11.2 Chargeback Policy

Initiating a chargeback without first contacting us may result in:

  • Immediate suspension of your account
  • Loss of access to your data
  • Additional chargeback processing fees
  • Permanent ban from our services

11.3 Dispute Resolution

We are committed to resolving all payment disputes fairly and promptly. Please allow us the opportunity to address your concerns before escalating to your payment provider.

12. Payment Information Updates

12.1 Updating Payment Methods

You can update your payment information at any time:

  • Log in to your account dashboard
  • Navigate to "Billing" or "Payment Methods"
  • Add, remove, or update payment methods
  • Set a default payment method for recurring charges

12.2 Expired Card Notifications

We will notify you in advance if your payment card is about to expire. Please update your payment information to avoid service interruption.

12.3 Billing Address Changes

If your billing address changes, update it in your account settings. This ensures accurate tax calculation and invoice generation.

13. Enterprise and Custom Billing

13.1 Enterprise Plans

Enterprise customers may have custom billing arrangements:

  • Custom pricing based on usage and requirements
  • Flexible payment terms (Net 30, Net 60, etc.)
  • Invoice-based billing instead of automatic charges
  • Purchase order (PO) support
  • Multi-year contracts with volume discounts

13.2 Custom Agreements

Enterprise customers may negotiate custom terms through a separate Master Service Agreement (MSA). Contact our sales team at sales@jyotibainfotech.in for more information.

13.3 Volume Discounts

Discounts may be available for annual commitments, large user counts, or multi-location deployments. Contact our sales team for a custom quote.

14. Payment Gateway Compliance

14.1 PCI DSS Compliance

We maintain PCI DSS (Payment Card Industry Data Security Standard) compliance through our payment gateway partners. All card data is handled securely and never stored on our servers.

14.2 Regulatory Compliance

Our payment processing complies with:

  • Reserve Bank of India (RBI) guidelines (for Indian transactions)
  • Payment Services Directive 2 (PSD2) (for European transactions)
  • Strong Customer Authentication (SCA) requirements
  • Anti-Money Laundering (AML) regulations
  • Know Your Customer (KYC) requirements

14.3 Data Protection

Payment data is protected in accordance with our Privacy Policy and applicable data protection laws including GDPR and other regional regulations.

15. Contact Information

For questions about payments, billing, or these payment terms, please contact us:

Company: Jyotibainfotech

Product: Jyotiba CRM

Billing Support: billing@jyotibainfotech.in

General Support: support@jyotibainfotech.in

Sales Inquiries: sales@jyotibainfotech.in

Business Hours: Monday - Friday, 9:00 AM - 6:00 PM IST

16. Changes to Payment Terms

We reserve the right to modify these payment terms at any time. Material changes will be communicated via:

  • Email notification to your registered email address
  • In-app notification upon login
  • Update to the "Last Updated" date on this page

Continued use of the service after changes constitutes acceptance of the modified payment terms.