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In the event there is any claim for/ of chargeback by the User for any reason whatsoever, such User shall email to us at with his/ her claim details and claim refund from Vaidyasaar only.


Such refund (if any) shall be effected only by Vaidyasaar via payment gateway or by means of a demand draft or such other means as Vaidyasaar deems appropriate. No claims for refund/ charge back shall be made by any User to the Payment Service Provider(s) and in the event, such claim is made it shall not be entertained.


  • In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled credit card or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider’s accounts, if any) by the acquiring bank or credit card company for any reason whatsoever, together with the bank fees, penalties and other charges incidental thereto.


  • Refund for fraudulent/duplicate transaction(s):  The User shall directly contact Vaidyasaar for any fraudulent transaction(s) on account of misuse of Card/ Bank details by a fraudulent individual/party and such issues shall be suitably addressed by Vaidyasaar alone in line with their policies and rules. Any disclosure of OTP or any other confidential PINS to Third Party then Vaidyasaar shall not be responsible for such inappropriate transactions done by third parties.


  • Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s web page, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment,, check whether his/her Bank Account has been debited or not and accordingly resort to one of the following options:


(i) In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact Vaidyasaar via e-mail or any other mode of contact as provided by Vaidyasaar to confirm payment.

(ii)In case the Bank Account is not debited, the User may initiate a fresh transaction to make payment.

(iii)In case the Bank Account appears to be debited, but not credited to Vaidyasaar account, the User must query the bank and not Vaidyasaar. Vaidyasaar in such situations can try to hold the processing of the orders/services once informed by the User within the specific time.


However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider. No communication received by the Payment Service Provider(s) in this regards shall be entertained by the Payment Service Provider(s).

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