Payment Policy

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Payment Policy — Kanha Herbs Pvt. Ltd.

Overview:

Kanha Herbs aims to make every purchase safe, simple, and reliable. This Payment Policy explains how payments are accepted and processed, and the steps we take to keep payment information secure and confidential. The Company follows appropriate payment methods and terms to ensure value and protection for both customers and business partners.

Scope:

This policy applies to all payments made to Kanha Herbs by:

  • Consumers (customers)
  • Direct Sellers
  • Authorized C&F partners

Applicable Laws:

This policy is prepared in line with relevant laws and rules, including:

  • Consumer Protection (Direct Selling) Rules, 2021
  • Consumer Protection Act, 2019
  • Consumer Protection (E-Commerce) Rules, 2020
  • Information Technology Act, 2000 and the IT Rules on Sensitive Personal Data (2011)
  • Any other laws or regulations that apply in India from time to time

Confidentiality:

Kanha Herbs Pvt. Ltd. treats payment information with strict confidentiality. We will never sell, share, or misuse your financial details. Your payment data is used only to process your order and to comply with legal or banking requirements.

Protection of Sensitive Personal Data:

Please read our full policies to understand how we collect, use, and protect your information and payments. This section explains how we handle payment-related personal data for customers, Direct Sellers, and C&F partners.

Scope:

This payment and privacy information applies to transactions made on www.kanhaherbs.in and to payments related to Kanha Herbs’ official sales channels.

Acceptance of Terms:

By placing an order on www.kanhaherbs.in, you agree to the payment practices described in this policy.

Method of Payment:

We accept multiple secure payment methods so you can choose what suits you best. Information about payment methods is used only to process the payment and is not stored on our website. We keep only minimal transaction records (for example, a bank reference number and the amount) for reconciliation and customer support.

Common payment methods (may vary by time/place):

  • Debit Card
  • Credit Card
  • Net banking (Internet banking)
  • UPI (Unified Payments Interface)
  • Wallets / Payment service providers (where available)
  • Payments at Authorized C&F outlets (where applicable)
  • Cash on Delivery (COD) — if offered in your area (subject to availability)

Note: Card/UPI credentials are transmitted securely to the payment gateway/bank during checkout. We do not store full card numbers or CVV on our servers.

Security & Data Handling:

  • Payment data is transmitted securely to our payment partners (banks/gateways) using industry standard encryption.
  • We store only limited information required for order tracking and refunds (e.g., payment reference, amount, date).
  • Kanha Herbs follows reasonable security practices to protect sensitive personal data in line with applicable IT and data-protection laws.
  • If you have questions about how your payment data is handled, please contact us (details below).

Refunds, Chargebacks & Disputes:

Refunds follow the timelines and processes described in our Cancellation & Refund Policy. If you dispute a charge with your bank, we will cooperate with the bank’s investigation and provide necessary documentation.

Contact & Support:

If you have any questions about payments, confidentiality or refunds, please contact us:

  • Email: contact@kanhaherbs.in
  • Website: www.kanhaherbs.in

Accepted Payment Methods:

Bank Transfer (IMPS / NEFT / RTGS / UPI / Net Banking / Cheque)
  • Customers may pay by bank transfer using IMPS, NEFT, RTGS, UPI, or Net Banking, or by issuing a cheque to the Company’s bank account.
  • When you choose bank transfer, we will provide a unique reference number and the bank account details where the payment should be made. Please include that reference number with your transfer so we can match and confirm your payment quickly.
  • Bank transfer timing depends on the payment mode and your bank’s processing times.
Cash:
  • Cash payment is accepted where the service/location permits.
  • Kanha Herbs does not accept cash payments of ₹20,000 or more for a single transaction (as per applicable rules).
  • For in-person cash payments, you will receive an official receipt.
Point of Sale (POS) — Debit / Credit / International Cards
  • To pay by card in-person or at a POS terminal, follow the on-screen instructions and enter the required card details.
  • Card data is securely transmitted to our payment processor (gateway) for authorization.
  • The card will only be charged after the transaction is authorized.
  • If the payment succeeds, your order will be confirmed. If authorization fails, you’ll be notified and asked to try again or use another payment method.
  • We do not store full card numbers or CVV details on our servers.
Online Payment Gateway (Website Payments & OTP Authentication)
  • To pay online, place your order on www.kanhaherbs.in and proceed to checkout.
  • You will be redirected to a secure payment gateway to enter your debit/credit card or UPI details.
  • For card or UPI payments, you may need to complete an OTP (one-time password) or other bank authentication before the payment is confirmed.
  • Online payments are processed securely via our payment partner; we retain only the transaction reference and amount for order reconciliation.

Security & Confirmation:

  • All online and card payments are sent over secure, encrypted channels to our payment gateway or bank.
  • Kanha Herbs stores only minimal transaction data (for example, a bank reference number and amount) needed for reconciliation and refunds — not full card data.
  • Once payment is received and verified, you will receive an order confirmation by email / SMS.

General Terms & Conditions — Payment Policy

  1. Payments to C&F: If you buy products directly from an authorized C&F, the payment should be made only to that C&F’s bank account. Kanha Herbs accepts payments made to C&F partners through recognised banking channels only.
  2. Returned Cheques: If your cheque bounces (insufficient funds), you authorize Kanha Herbs to recover the cheque amount plus applicable bank/processing fees by electronic debit or bank draft. Issuing a cheque for payment is your acknowledgement and acceptance of these terms.
  3. Prohibition on Business-to-Individual Transfers: Payments must not be transferred from any Firm, Company, or LLP on behalf of an individual Direct Seller or consumer. Transfers should match the payer’s identity as per KYC requirements.
  4. Payment Charges: Any payment gateway, POS, or card processing charges (where applicable) are to be borne by the consumer.

Privacy, Data & Security

  • We Maintain Your Secrecy: Kanha Herbs follows reasonable data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of personal data (including usernames, passwords and transaction details).
  • We do not store full card details or CVV on our servers. Minimal transaction data (reference number, amount, date) may be kept for reconciliation and refunds.

Children’s Privacy:

  • Our website and services are not intended for children under 18.
  • We do not knowingly collect personally identifiable information from children. If we discover such information, we will delete it promptly.

Links to Other Sites:

  • Our website may contain links to third-party sites. These sites have their own privacy policies. We encourage you to read their privacy statements before sharing personal data.
  • If you navigate to another site while logged into our site, you agree that your data may be used according to that site’s policy while you are there.

Collection & Use of Personal Information

  • What We Collect: We may collect personal information when you visit or register on our website; place an order or make a payment; fill out forms or subscribe to updates.
  • Typical information collected may include: name, parent/spouse name, gender, email, mailing address, phone number, and KYC documents where required.
  • Why We Collect It: We collect personal data to process orders and payments; complete KYC and regulatory requirements; provide customer support and order updates; improve your online experience and our services; send promotional material if you consent.

Disclosure of Personal Data

When We May Share Your Data

We may disclose your personal data where lawful and necessary, including to:

  • Provide products or services to you (including banks, payment gateways, logistics partners, C&F);
  • Process a payment you initiated;
  • Detect, investigate or prevent fraud or other unlawful activity;
  • Meet regulatory, legal or audit requirements;
  • Defend or assert our legal rights;
  • Send promotional material, where you have consented;
  • Improve and personalise your experience on our site.
Who May Receive Your Data

Your personal data may be shared with:

  • Group companies, agents, service providers and subcontractors who help us deliver services;
  • Payment processors, banks and logistics partners;
  • Regulators, law enforcement, courts, auditors or government bodies when required by law;
  • Overseas regulators or service providers, where necessary to provide services;
  • Any party you instruct or authorise us to share data with.

Your Rights (Data Protection)

If Kanha Herbs processes personal information about you, you have the following rights:

1. Access & Correction
  • You can ask for a copy of the personal data we hold about you (also called a Subject Access Request).
  • If we are required to provide it, we will do so free of charge. Before sharing, we may ask for ID and details to help us locate your records.
  • If any information we hold about you is incorrect, you can ask us to correct it.
2. Object to Processing
  • You can object to our processing of your personal data if you believe we no longer have a lawful reason to use it.
3. Other Rights
  • You may have the right to request deletion of your data (if we keep it too long), ask us to restrict processing in certain situations, or request copies of data we hold about you in electronic format.
How to exercise these rights

To make a request, write to us at contact@kanhaherbs.in. We will make reasonable and practical efforts to comply, subject to applicable law and any legal or regulatory obligations.

Data Security & Retention

  • Kanha Herbs maintains reasonable security policies and technical measures to protect personal information from unauthorised loss, misuse, alteration, or destruction.
  • Access to personal data is limited to those who need it to perform their job. People with access are required to keep data confidential.
  • While we take strong precautions, no system can be 100% secure; absolute security cannot be guaranteed.
  • We keep personal data only as long as required to provide services, meet legal or regulatory obligations, and for legitimate business needs. After that, we delete or anonymise the data.

Contact & Complaints (Payments & Data Issues)

For any questions, requests, or complaints about payments or personal data, contact us at: contact@kanhaherbs.in

Notification of Changes

Kanha Herbs keeps this Payment & Data-Protection section under regular review to ensure it stays accurate and up to date. Any future changes will be published on our website. Please check this page periodically for updates.