1. Introduction
   This Payment Policy describes how payments are processed for digital products, courses, e-books, study materials, and other services offered on Scientific Ravi. By making a purchase on our website, you agree to the terms outlined in this policy.

2. Payment Methods
   We accept secure online payments through the following methods:
   • UPI (Google Pay, PhonePe, Paytm, etc.)
   • Credit/Debit Cards
   • Net Banking
   • Wallets and other supported gateways

All payments are processed through trusted third-party payment gateways to ensure safety and encryption.

3. Pricing
   All prices for products and services are displayed clearly on their respective pages.
   • Prices may be updated or changed without prior notice.
   • Discounts or offers will be applied only if they are valid at the time of purchase.

4. Order Confirmation
   Your order is confirmed once:
   • The payment is successfully completed
   • You receive an email/message confirmation
   • You gain access to the digital product or course

If you do not receive confirmation within 24 hours, please contact us.

5. Digital Product Delivery
   After successful payment:
   • E-books, PDFs, and digital files will be delivered instantly via download link or email.
   • Courses will be accessible through your account dashboard or provided platform.

Since these are digital items, delivery is immediate and does not involve physical shipping.

6. Refund & Cancellation
   • All digital products (e-books, PDFs, notes, courses) are non-refundable, as they are delivered instantly.
   • No cancellation is allowed after the digital product has been accessed or downloaded.
   • In case of a technical issue (e.g., broken link, file not accessible), we will assist in resolving it or provide a fresh download link.

7. Payment Failures
   If your payment fails due to network issues or gateway errors:
   • No amount will be deducted
   • If any amount is deducted by the bank, it will be automatically refunded as per the bank’s policy (usually within 3–7 working days)

8. Fraudulent Transactions
   Scientific Ravi reserves the right to cancel orders and block users involved in:
   • Fraudulent or unauthorized payments
   • Chargebacks without genuine reason
   • Misuse of digital content or downloads

Legal action may be taken for repeated violations.

9. Contact Information
   For any payment-related support or queries, you can contact us at:
   Email: scientificraviacademy@gmail.com
   Website: www.scientificravi.in