1.1 All transactions on the Website are processed in Indian Rupees (INR) only. The following payment methods are accepted:

1.2 The following payment methods are not available on the Website:

2.1 Authorized Payment Gateway Providers

Payments on the Website are processed exclusively through the following authorized payment gateway providers:

2.2 What Aarunya Does Not Store

Aarunya does not collect, store, process, or have access to the following payment authentication data at any point:

• Credit or debit card numbers;
• Card Verification Value (CVV) codes;
• UPI PINs or UPI credentials;
• Net banking usernames, passwords, or OTPs;
• Bank account numbers or IFSC codes.

All payment authentication is handled entirely within the secure environment of the respective payment gateway. Aarunya receives only a transaction confirmation — comprising the transaction status, transaction reference number, and order amount — which is the minimum information necessary to confirm and process the Customer's order.

2.3 Payment Security Notice — Fraud Prevention

3.1 Pricing

3.1.1 All prices displayed on the Website are in Indian Rupees (INR) and are inclusive of applicable Goods and Services Tax (GST). The GST component will be displayed as a separate line item during the checkout process.

3.1.2 The price applicable to an order is the price displayed and confirmed at the time of successful payment. Aarunya reserves the right to revise prices at any time without prior notice, but such revisions will not affect orders for which payment has already been confirmed.

3.1.3 Aarunya's jewellery pricing is subject to market fluctuations in gold prices and diamond prices. Prices are locked only upon receipt of confirmed payment. Aarunya does not guarantee the availability of a product at a displayed price until payment is confirmed.

3.2 Order Receipt & GST Tax Invoice

3.2.1 The Order Receipt issued at checkout will contain:

• Order reference number;
• Product description and quantity;
• Total amount paid (inclusive of GST);
• Payment method and transaction reference; and
• Estimated delivery timeline.

3.2.2 The GST Tax Invoice issued with dispatch will contain all information required under the Central Goods and Services Tax Act, 2017 and applicable rules, including:

• Aarunya's GSTIN: 24ABTFA7918D1ZA;
• Customer's GSTIN (where provided at the time of order);
• HSN / SAC codes applicable to the products;
• Taxable value and applicable GST rate and amount; and
• Place of supply.

3.2.3 Customers who require their GSTIN to be reflected on the tax invoice must provide their GSTIN at the time of placing the order. Aarunya cannot amend a tax invoice after dispatch to include GSTIN details not provided at the time of order.

4.1 The payment process on the Website operates as follows:

4.2 An order is confirmed only upon Aarunya's issuance of an Order Confirmation. The Order Receipt generated at the time of payment is not an Order Confirmation. Aarunya may decline to confirm an order after payment for legitimate reasons including fraud screening, stock unavailability, or pricing errors, in which case a full refund will be issued within 7–10 Business Days.

4.3 Where payment is received but no Order Confirmation is issued within 24 hours, the Customer should contact Aarunya at info@aarunya.co with the Order Receipt reference to investigate the matter.

5.1 A payment transaction may fail due to any of the following reasons:

• Insufficient funds or credit limit;
• Card declined by the issuing bank;
• Incorrect card details, CVV, or expiry date entered;
• OTP authentication failure or timeout;
• Net banking authentication error;
• UPI payment timeout or server error;
• Bank's daily transaction limit exceeded;
• Risk controls applied by the bank or payment gateway; or
• Temporary technical interruption at the payment gateway.

5.2 Where a payment fails:

6.1 Nature of the Store Wallet

The Store Wallet is a credit balance maintained in a Customer's registered Aarunya account. It is not a prepaid payment instrument or a general-purpose wallet. The Store Wallet operates as follows:

6.2 Expiry of Store Wallet Credits

Store Wallet credits have the following rules:

• Store Wallet credits do not have an expiry date. Once credited to your Store Wallet, the balance remains valid and available for use on eligible future purchases until fully redeemed.

6.3 Store Wallet on Account Closure

If a Customer closes their registered account, all unused Store Wallet credits will be forfeited. Customers are advised to utilise their Store Wallet balance before requesting account closure.

6.4 Store Wallet on Cancellation of a Wallet-Funded Order

Where a Customer cancels an order that was paid wholly or partly using Store Wallet credits, the Store Wallet credit portion of the refund will be returned to the Store Wallet. The Store Wallet credit will carry the same expiry date as the original credit.

7.1 A duplicate payment occurs where more than one successful payment is received for the same order, whether due to:

• the Customer attempting payment multiple times after an apparent failure;
• a technical error at the payment gateway resulting in multiple debits; or
• a bank processing error.

7.2 Where Aarunya identifies or is notified of a duplicate payment:

• Aarunya will verify the duplicate with the relevant payment gateway;
• the excess amount received will be identified and a refund will be initiated in full; and
• the refund will be credited to the original payment method used for the duplicate transaction within 7–10 Business Days of confirmation, without any deduction of payment gateway charges.

7.3 To report a suspected duplicate payment, the Customer should contact Aarunya at info@aarunya.co with:

• the Order Receipt reference number;
• the transaction references for both payments (available in the Customer's bank statement or UPI app); and
• the date and amount of each transaction.

7.4 Aarunya shall not be liable for interest or compensation on duplicate payments beyond the refund of the excess amount.

8.1 Custom Jewellery orders require 100% advance payment before production commences. No production activity will be initiated until full payment has been received and confirmed.

8.2 The advance payment for Custom Jewellery is non-refundable once the Customer has provided Design Approval and production has commenced, as set out in Aarunya's Cancellation Policy and Custom Jewellery Policy.

8.3 Where a Custom Jewellery order is cancelled within the applicable cancellation window (before Design Approval), the refund will be processed as described in the Cancellation Policy, net of actual payment Gateway Charges.

9.1 A chargeback is a transaction reversal initiated by a Customer through their bank or card issuer. Aarunya takes chargeback disputes seriously and maintains records of all transactions, order confirmations, delivery records, and customer communications.

9.2 Where a chargeback is raised for a transaction that Aarunya has fulfilled in accordance with its policies and the Customer's order:

• Aarunya will submit a response to the payment gateway and issuing bank with all relevant documentation; and
• Aarunya reserves the right to suspend the Customer's account and decline future orders from that Customer pending resolution of the chargeback.

9.3 Customers are encouraged to contact Aarunya's Grievance Officer at the dedicated Grievance Officer email before initiating a chargeback, as most disputes can be resolved faster through direct engagement. Aarunya is committed to refunding eligible amounts in accordance with its stated policies without the need for bank intervention.

Refunds arising from approved cancellations, returns, or other eligible situations will be processed as follows:

Refund timelines are estimates from the date Aarunya initiates the refund. Actual credit to the Customer's account depends on the Customer's bank, card issuer, or UPI provider. Aarunya is not responsible for delays occurring after the refund has been initiated.

11.1 Where a product is listed at a materially incorrect price due to a typographical, system, or technical error, Aarunya reserves the right to:

• cancel the affected order and issue a full refund; or
• contact the Customer with the correct price and offer the option to proceed or cancel for a full refund.

11.2 Customers do not acquire a legal right to purchase products at an incorrectly displayed price. Where a pricing error is discovered after Order Confirmation, Aarunya will notify the Customer promptly.

Aarunya reserves the right to amend, update, or replace this Policy at any time, including to add new payment methods, retire existing methods, or reflect changes in applicable law or payment gateway terms. Revisions will be published on the Website with an updated effective date. Material changes affecting active transactions will be communicated with reasonable prior notice.

For payment-related queries, failed transactions, duplicate charges, or refund enquiries, please contact:

© Aviana Diamonds LLP. All Rights Reserved. Unauthorised reproduction of this Policy is prohibited.