Effective Date: 18-05-2026
Please read these E-Payment Terms & Conditions carefully before using the online payment facility available through the website or digital platforms of Ruia Associates (“Ruia Associates”, “we”, “our”, or “us”).
By proceeding with any online payment transaction, you acknowledge that you have read, understood, and agreed to be bound by these terms. If you do not agree with any part of these terms, you are advised not to use the online payment facility.
Payment Authorization
Payments made through our online payment facility are towards legal consultation fees, professional charges, retainers, documentation services, advisory services, or other services as specified during the transaction process.
Users are solely responsible for ensuring that all personal, billing, and transaction-related details submitted at the time of payment are accurate and complete, including:
- Name,
- Contact details,
- Email address,
- Billing information, and
- Any other relevant details.
Ruia Associates shall not be responsible for issues arising due to incorrect or incomplete information provided by the user.
Currency & Charges
All payments made through our digital platforms shall be processed in Indian Rupees (INR) unless otherwise specified.
Ruia Associates reserves the right to revise, modify, or update professional fees, consultation charges, retainers, or service-related charges at its sole discretion without prior notice.
Applicable taxes, payment gateway charges, banking fees, or statutory levies may additionally apply wherever required.
Transaction Processing
Online payment transactions are generally processed through third-party payment gateways or authorized banking channels.
Payment confirmation and reflection may vary depending upon:
- Banking networks,
- Card issuers,
- Payment gateways,
- Technical systems, or
- Financial institutions involved in the transaction.
While transactions are usually processed within a reasonable timeframe, Ruia Associates shall not be liable for delays caused by banks, payment service providers, or technical disruptions beyond its control.
Payment Failures & Declined Transactions
If a payment transaction is declined, rejected, interrupted, or unsuccessful for any reason, including by the user’s bank or card issuer, Ruia Associates shall not be obligated to notify the user separately.
Users are advised to:
- Verify transaction status with their bank or payment provider;
- Retain transaction reference details; and
- Contact the respective financial institution for payment-related concerns.
Ruia Associates shall not be responsible for:
- Failed transactions,
- Duplicate debits,
- Banking errors,
- Payment gateway issues,
- Unauthorized declines, or
- Delays in reversal or refunds processed by third-party financial institutions.
Security & User Responsibility
Users are responsible for maintaining the confidentiality and security of their payment credentials, banking information, and transaction details.
Ruia Associates does not store confidential card or banking credentials on its website unless specifically required under secure and compliant systems.
Users are advised to use secure networks and exercise caution while conducting online transactions.
Refunds & Cancellations
All payments shall remain subject to the applicable Refund Policy and Cancellation Policy of Ruia Associates available on the website.
Users are encouraged to review these policies carefully before proceeding with payment.
Modification of Terms
Ruia Associates reserves the right to amend, revise, or update these E-Payment Terms & Conditions at any time without prior notice.
Continued use of the online payment facility following such modifications shall constitute acceptance of the revised terms.
Governing Law & Jurisdiction
These E-Payment Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.
Any disputes arising out of or relating to online payments or these terms shall be subject to the jurisdiction of the competent courts.