At JVAG Pharma Consultants, we strive to provide transparent and seamless payment processes for our clients. This Payment Policy outlines the terms and conditions related to payments for our pharmaceutical consulting services.

1. Payment Terms

• Payments for our services must be made in full as per the agreed terms before service initiation unless otherwise specified in the contract.
• We accept payments via bank transfers, UPI, credit/debit cards, and other approved payment methods.
• All invoices must be paid within the due date mentioned on the invoice. Late payments may be subject to penalties.

2. Pricing and Taxes

• The pricing for our consulting services will be communicated in advance through proposals, contracts, or invoices.
• Prices are subject to applicable Goods and Services Tax (GST) and other government levies as per Indian laws.
• Any additional charges such as transaction fees, bank fees, or foreign exchange conversion costs (for international clients) shall be borne by the client.

3. Late Payment and Penalties

• A late payment fee of [X]% per month may be charged on overdue invoices beyond the due date.
• Continued non-payment may result in service suspension, legal action, or additional recovery charges as per Indian laws.

4. Refund and Cancellation Policy

• Once a payment is made, it is non-refundable, except in cases where JVAG Pharma Consultants is unable to deliver the agreed services.
• If a client wishes to cancel a service, a formal request must be submitted in writing, and any applicable cancellation fees will be deducted.
• Refunds, if applicable, will be processed within [X] business days after approval.

5. Payment Disputes

• If there is any discrepancy in billing or payment, clients must notify us within [X] days of the invoice date.
• Disputes will be resolved through mutual discussion, and services may be suspended during unresolved disputes.

6. Security and Confidentiality

• All payment transactions are securely processed, and we do not store sensitive financial details such as credit/debit card information.
• Clients are advised to ensure payments are made only through official channels to prevent fraud.

7. Modification of Payment Terms

• JVAG Pharma Consultants reserves the right to modify this Payment Policy at any time. Clients will be notified of any significant changes in advance.