RJ Vidya Ventures

Payment and Subscription Policy

Effective Date: 16 June 2026
Last Updated: 16 June 2026

This Payment and Subscription Policy applies to payments, subscriptions, recurring billing, direct bank transfers, UPI payments, and online transactions made through rjvidya.ventures.

1. Merchant of Record

For payments made through rjvidya.ventures, the merchant and contracting entity is:

RJ Vidya Ventures Private Limited
CIN: U85420DL2020PTC360377
PAN: AAICB8643F
GSTIN: 07AAICB8643F1ZK
Registered Office: A1, Hamilton House, 1st Floor, Connaught Place, New Delhi – 110001
Email: contact@rjvidya.ventures

2. Commercial Payment

All payments made through rjvidya.ventures are commercial payments for products, services, courses, subscriptions, digital access, training, consulting, resources, or other business offerings.

No charitable tax receipt, exemption certificate, or tax-benefit certificate is issued for payments made through rjvidya.ventures.

3. Payment Methods

RJ Vidya Ventures Private Limited may accept payments through:

  • Razorpay
  • Cashfree
  • UPI
  • Bank transfer
  • Cards
  • Net banking
  • Wallets
  • International payment methods, where enabled
  • Other authorised payment methods

Payment methods may change from time to time.

4. Payment Confirmation

A payment is treated as confirmed only when:

  • The payment gateway confirms success; or
  • The bank transfer is verified; or
  • RJ Vidya Ventures Private Limited reconciles the transaction internally.

If a payment is pending, failed, disputed, reversed, or not traceable, access may be withheld until confirmation.

5. Direct Bank Transfer

Where direct bank transfer is offered, the user must transfer funds only to the bank account displayed on the official product, checkout, or payment page.

After making a bank transfer, the user must email payment proof to contact@rjvidya.ventures if instructed.

Access may take 12 to 24 hours after verification, unless otherwise stated.

6. Payment Descriptor

The user’s receipt, bank statement, UPI record, card statement, or payment gateway communication may show:

  • RJ Vidya Ventures Private Limited
  • RJ Vidya Ventures
  • RJ VIDYA VENTURES PRIVATE LIMITED
  • Razorpay
  • Cashfree
  • Bank or UPI descriptor
  • Other payment gateway descriptor

These descriptors may vary depending on the payment method and payment service provider.

7. Subscriptions

If a user selects a subscription or recurring payment plan, the user authorises recurring charges according to the plan terms shown at checkout.

The subscription may be monthly, yearly, or another billing frequency stated on the product page.

The user is responsible for reviewing:

  • Plan name
  • Billing amount
  • Billing frequency
  • Renewal date
  • Cancellation process
  • Access terms
  • Refund terms

8. Cancellation of Subscription

Users may request cancellation by:

  • Using the cancellation option provided by the payment gateway, if available; or
  • Emailing contact@rjvidya.ventures with subscription details; or
  • Following the cancellation instructions provided at purchase.

Cancellation must be requested before the next billing date. Late cancellation requests may not stop an already initiated debit.

Cancellation stops future billing after successful processing. It does not automatically create a refund for amounts already charged.

9. Failed Subscription Payments

If a recurring payment fails, the payment gateway or bank may retry according to its rules.

RJ Vidya Ventures Private Limited may suspend access if subscription payment fails, remains unpaid, is reversed, or is disputed.

Access may be restored after successful payment confirmation.

10. Refunds

Refunds are governed by the Refund and Cancellation Policy.

Approved refunds will ordinarily be processed to the original payment method.

Refund timelines may depend on the payment gateway, bank, UPI system, card network, or international payment rail.

11. Fraud Prevention and Verification

RJ Vidya Ventures Private Limited may verify payments, user identity, email, phone number, IP address, transaction records, bank references, and other details where required for fraud prevention, compliance, support, refund review, or dispute resolution.

The company may refuse service, suspend access, or cancel an order where payment fraud, unauthorised use, chargeback misuse, identity mismatch, or suspicious activity is detected.

12. Contact

For payment or subscription support, contact:

RJ Vidya Ventures Private Limited
Email: contact@rjvidya.ventures
Address: A1, Hamilton House, 1st Floor, Connaught Place, New Delhi – 110001