Payment Policy / Payment Terms

Effective Date: 17 Feb 2026
Last Updated: 17 Feb 2026

1. Introduction

This Payment Policy / Payment Terms (“Payment Policy”) governs all payment-related matters for purchases made on the website https://truom.in (“Website”), operated by Online Junction, selling products under the brand name Truom (“Company”, “we”, “us”, “our”). This Policy forms an integral part of the Terms & Conditions, Refund, Return & Cancellation Policy, Shipping & Delivery Policy, Privacy Policy, and Disclaimer available on the Website.

By placing an order on the Website, you expressly agree to be bound by this Payment Policy.

2. Applicability of This Policy

This Payment Policy applies only to orders placed directly on the Truom Website. Payments for purchases made through third-party marketplaces are governed exclusively by the respective marketplace’s payment, refund, and dispute policies. The Company shall not be responsible for payment-related decisions or timelines controlled by marketplaces.

Marketplace-related terms are further clarified in the Disclaimer available at https://truom.in/disclaimer/.

3. Accepted Payment Methods

The Website supports multiple payment methods, subject to availability and internal checks, including:

• UPI

• Debit cards and credit cards

• Net banking

• Wallets

• Cash on Delivery (COD) (select products and locations only)

The Company reserves the right to add, remove, restrict, or modify payment methods at any time without prior notice.

4. Online Payment Processing

All online payments are processed through secure third-party payment gateway service providers. The Company does not store, process, or have access to customers’ card numbers, CVV, banking credentials, or UPI PINs. Payment authorization and processing are handled entirely by the payment gateway and banking institutions.

Successful payment does not automatically guarantee order acceptance or dispatch.

5. Payment Confirmation & Order Status

An order shall be considered confirmed only after the payment gateway successfully processes the payment and the Company receives confirmation of such payment. In cases where payment is successful but confirmation is delayed, pending, or reversed due to technical issues, the Company reserves the right to:

• Place the order on hold

• Cancel the order

• Process a refund after verification

The Company shall not be liable for delays caused by payment gateway processing or banking systems.

6. Failed, Pending & Interrupted Transactions

In the event of a failed, pending, or interrupted transaction due to technical issues, network failure, gateway downtime, or banking errors:

• The order may not be confirmed

• The amount may be temporarily debited and later reversed by the bank or gateway

• Refund timelines shall be governed by the respective bank or payment gateway

The Company shall not be responsible for delays in reversal beyond its reasonable control.

7. Cash on Delivery (COD) Terms

COD is offered subject to internal risk assessment, serviceability, order value, and customer order history. The Company reserves the right to:

• Withdraw COD facility for specific users or locations

• Cancel COD orders without prior notice in case of suspected misuse or abuse

Repeated COD refusals, fake orders, or non-acceptance at delivery may result in permanent restriction of COD service or account blacklisting.

COD-related refunds, if applicable, are governed by the Refund, Return & Cancellation Policy available at https://truom.in/refund_returns/.

8. Payment Errors & Discrepancies

If a customer believes there has been an error or discrepancy in payment, the issue must be reported promptly through https://truom.in/contact-us/ along with valid transaction details. The Company reserves the right to verify payment claims with the payment gateway or bank before taking any action.

False or fraudulent payment claims may result in order cancellation and legal action.

9. Chargebacks & Dispute Handling

Chargebacks or payment disputes raised directly with banks or payment providers without first contacting the Company may be treated as a violation of this Payment Policy. The Company reserves the right to contest chargebacks using order records, delivery confirmation, and communication logs.

Chargebacks arising from customer negligence, refusal to accept delivery, or misuse of COD shall not be entertained.

10. Refund Processing

Refunds, if approved, shall be processed strictly in accordance with the Refund, Return & Cancellation Policy available at https://truom.in/refund_returns/. Refund timelines depend on the original payment method, payment gateway processing, and banking channels.

The Company shall not be liable for delays caused by payment gateways or banks.

11. Taxes & Charges

All applicable taxes, fees, and charges are displayed at checkout. The Company reserves the right to revise pricing or tax components in accordance with applicable laws. Customers are responsible for ensuring awareness of final payable amounts before completing payment.

Pricing terms are further detailed in the Terms & Conditions available at https://truom.in/terms-condition/.

12. Marketplace Payment Disclaimer

For purchases made through third-party marketplaces, all payment-related matters including refunds, disputes, chargebacks, and timelines are governed by the respective marketplace’s payment policies. The Company shall not be responsible for marketplace-controlled payment decisions.

13. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, or consequential losses arising from payment failures, gateway downtime, banking delays, or chargebacks. Any liability, if established, shall be limited strictly to the amount paid by the customer for the relevant order.

14. Governing Law & Reference to Other Policies

This Payment Policy shall be governed by the laws of India and shall be read in conjunction with:

• Terms & Conditions: https://truom.in/terms-condition/

• Refund, Return & Cancellation Policy: https://truom.in/refund_returns/

• Shipping & Delivery Policy: https://truom.in/shipping-delivery-policy/

• Privacy Policy: https://truom.in/privacy-policy/

• Disclaimer: https://truom.in/disclaimer/

Jurisdiction shall be as specified in the Terms & Conditions.

15. Contact Information

For any payment-related questions, issues, or disputes, customers may contact the Company via https://truom.in/contact-us/.