FEES AND PAYMENTS POLICY

1.        WHO ARE WE?

1.1.   M/s En’Vogue Furnishings India Pvt. Ltd, , a company incorporated under Companies Act, 1956 having its registered office at ​Basement, 20, Pusa Road, New Delhi- 110005, India (“Envogue”, ”Obsessions”, “site”, “we”, “us” or “our”) is managing and operating the websites www.obsessions.co.in and the corresponding mobile applications thereof (collectively referred to as the “Platforms”) through which it inter alia, offers various retail solutions, facilitates the online sale of a diverse range of carpets & rugs and bath & home accessories listed on the Platforms from time to time (“Products”) to the users of the Platforms (“User” or “Users” or “you” or “your”).

2.        WHAT IS THIS FEES AND PAYMENTS POLICY?

2.1.   This Fees and Payments Policy (“FPP Policy”), together with the Platform Terms of Use, Terms of Sale and Privacy Notice & Privacy Policy describes Obsessions’saccepted payment methods, and Obsessions’s policies and procedures in relation to acceptance of fees and payments towards the services offered through the Platforms. Our primary object is to ensure that the Platforms are User friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by User(s).

2.2.   User(s) are required to peruse and understand the terms of this FPP Policy. If You do not agree to the terms contained in this FPP Policy, You are advised not to accept the Platforms Terms of Use and this FPP Policy and may forthwith leave and stop using the Platforms. The terms contained in this FPP Policy shall be accepted without modification and, by using, browsing, accessing, or purchasing from the Platforms, You agree to be bound by the terms contained herein and any subsequent changes, modifications, amendments made in relation thereof.

3.        FEES AND PAYMENT OPTIONS

3.1.   In order to ensure User(s) convenience, Obsessions offers multiple payment options to the User(s). Obsessions without prior notice to User, reserves the right to add or delete payment options from the ones listed below:

3.1.1.        payment through net banking facilities;

3.1.2.        payment through select credit cards;

3.1.3.        payment through select debit cards;

3.1.4.        payments through prepaid payment instruments and electronic wallets;

3.1.5.        payments through equated monthly instalments (“EMI”) enabled for select debit and/or credit cards;

3.1.6.        Any other payment option that may be provided by Obsessions from time to time.

3.2.   The payment options referred to above shall hereinafter collectively be referred to as “Payment Options”. While reasonable endeavours are made to offer the Payment Options through varied banking channels, presently, Obsessions accepts payments only from major select banking avenues. Obsessions does not accept payments made through international debit/credit cards.

3.3.   It is expressly clarified that accepting a User’s payment through the Payment Options is solely at Obsessions’s discretion. Obsessions reserves the right to reject payment from a User through the Payment Options for any reason whatsoever. In order to further validate a User’s transaction, Obsessions may request the User to submit additional documents including copies of the User’s photo identity proof (such as the User’s PAN card, etc.), failing which, Obsessions reserves the right to reject a User’s payment made through the Payment Options.

3.4.   While using the Payment Options, User agrees to provide correct, complete and accurate financial information such as credit/debit card details or prepaid payment instrument account details which may be stored by Obsessions’s third - party payment gateway provider. User(s) shall not use a credit/debit card or prepaid instrument which is not lawfully owned by him/her or which the User has not been lawfully authorised to use. The User shall solely be responsible for the security and confidentiality of his/her financial information. Obsessions disclaims all liabilities that may arise as a consequence of any unauthorized use of the User’s financial information and/or identity, including, details relating to the Payment Options.

3.5.   Obsessions shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to:

3.5.1.        a lack of authorization for any transaction, including such transactions carried out on gift cards and vouchers issued to User(s) as a part of Obsessions’s promotions;

3.5.2.        any payment issue arising out of technical glitches occurring during a transaction; or

3.5.3.        declination of transaction for reasons beyond Obsessions’s control.

3.6.   All the Products listed on the Platforms are inclusive of all applicable taxes. You will be responsible for payment of all fees/costs/charges associated with the purchase of Products from Us and You agree to bear any and all applicable taxes including but not limited to VAT/CST, service tax, GST, duties and cesses, etc.

3.7.   To enable users to make payments for purchasing Products on the Platforms, in addition to this FPP Policy, the terms and conditions of the User’s bank, applicable financial institution and/or card issuing association may be applicable. The User’s bank, financial institution or card issuing association may decline or prevent the User from making electronic payments for buying the Products on the Platforms and Obsessions does not control the same and hence, shall not be at any point in time be held liable in relation thereof.

3.8.   Obsessions may, from time to time contract with third party payment service providers including banks, to open nodal bank accounts under applicable Indian laws. This will be done to facilitate the payments between User(s) and other third parties, apart from Obsessions. These third parties may include other service providers including payment aggregators, prepaid instrument providers, courier and logistic service providers, etc.

4.        If the User carries out a purchase on any Platforms and the payment in lieu thereof has been invalidated, Obsessions reserves the right to retrieve the invalidated payment from the User and the User shall within 5 (five) business days from the date of receiving a written notice from Obsessions, remit the Payment into Obsessions’s bank account, the details of which shall be set out in the notice. If the User fails to remit the Payment into Obsessions’s bank account despite having received the notice, Obsessions shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.

5.        EMI: The EMI Payment Option allows Users to make staggered payments for the purchase of Products from the Platforms. The EMI Payment Option is only available for payment through eligible credit cards issued by selected banks as specified on the Platforms. The terms and conditions of the relevant banks shall be applicable on all payments made by Users using the EMI Payment Option, and Obsessions will not be responsible or liable for any issues or claims arising from the use of this Payment Option.

6.        GRIEVANCE REDRESSAL

6.1.   Any grievances relating to the FPP Policy may be directed by you to the grievance officer of Obsessions who can be contacted at:

Name: Priya Singh
Designation: Grievance Officer
Email Address: [email protected]

7.        CUSTOMER SUPPORT TEAM:

7.1.   Any queries or concerns relating to the Fees and Payment may be directed by you to our customer support team who can be contacted at: [email protected]