1. Scope
This policy applies to membership fees, bill payments and merchant settlements on Smart KhataKart operated by North Bengal Medicare LLP.
2. Membership Fee
Annual membership fee (currently Rs.499/year) is charged for platform access and credit facility. Membership fee is generally non-refundable once KYC is approved and services are activated, except where required by law or at company's sole discretion in case of duplicate/erroneous payment.
3. Bill Payments
Payments made towards BNPL bills are applied to your outstanding dues. Once a payment is successfully recorded, it cannot be cancelled. If you believe a payment was made in error, contact support within 48 hours with transaction reference.
4. Merchant Transactions
If a merchant enters a wrong bill amount, the customer must not confirm OTP. After OTP confirmation, cancellation is subject to merchant and admin approval. Refunds, if approved, are credited back to available credit limit.
5. Duplicate / Failed Payments
If payment gateway shows success but amount is not reflected, contact support@smartkhatakart.com with payment ID. Verified duplicate charges will be refunded within 7–14 working days to the original payment method.
6. Account Cancellation
You may request account closure after clearing all dues. Pending membership period is not refunded. Company may suspend or terminate accounts for policy violations without refund.
7. Contact
Refund queries: support@smartkhatakart.com