Payment, Cancellation & Refund Policy

Dharmic Store (dharmic.store) · HouseofTech Innovation Pvt Ltd

Last updated: 25 July 2026

This Policy explains pricing, payment methods, order cancellation, returns and replacements, and refunds for products purchased from dharmic.store, operated by HouseofTech Innovation Pvt Ltd.

1. Pricing & Taxes

• All prices are shown in Indian Rupees (INR) on the product page and at checkout, and are inclusive of GST unless stated otherwise.
• Shipping charges, if any, and Cash-on-Delivery handling fees are shown separately at checkout before you confirm the order.
• Prices, discounts, and combo offers may change at any time. The price applicable to your order is the price displayed at the moment you complete checkout.
• A tax invoice is sent by email and/or included in your parcel. Duplicate invoices can be requested from support@houseoftech.ai.

2. Payment Methods

• Online payments are processed by RBI-licensed payment gateway partners (such as Razorpay, PhonePe, or similar providers). The active payment gateway may change from time to time without prior notice.
• Supported methods: UPI, credit/debit cards, netbanking, and wallets.
• Cash on Delivery (COD) is available on eligible orders and serviceable PIN codes. A COD handling fee may apply and is shown at checkout. Some high-value items, combos, or promotional orders may be prepaid-only.
• HouseofTech does not store your card, UPI, or netbanking credentials — they are held by the payment gateway under its own security standards (PCI-DSS).
• Dharmic Store sells physical products on a one-time purchase basis. There are no subscriptions and no auto-renewing or recurring charges. If you ever see a recurring debit referencing us, contact support immediately.

3. Failed & Pending Payments

• If money is debited but the order is not created, the amount is normally auto-reversed by your bank or the payment gateway within 5–7 working days.
• If it is not reversed in that window, email us with the transaction ID / UTR and we will trace it with the gateway and refund the amount.
• Do not re-attempt payment more than once for the same cart if the amount was debited — contact support instead, to avoid a duplicate charge.

4. Order Cancellation

• To cancel before dispatch, email support@houseoftech.ai with your order number as early as possible. Most orders are packed and dispatched within 24–48 hours, so cancellation requests are best sent the same day.
• Refunds for pre-dispatch cancellation of a prepaid order are initiated within 2 working days of confirming the cancellation.
• We may cancel an order if the item is out of stock, a pricing or listing error is found, the PIN code is not serviceable, payment is not authorised, or the order appears fraudulent. Any amount paid is refunded in full.

5. Returns & Replacements

5.1 Eligible cases

• Damaged in transit — the item is broken, cracked, chipped, or leaking on arrival.
• Defective — a manufacturing fault such as a broken mala thread, faulty clasp, or unstable base.
• Wrong item or missing item — you received a different product, size, or variant than ordered, or a component of a combo/puja kit is missing.
• Materially not as described — the product differs substantially from its listing in material, mukhi count, or stated dimensions.

5.2 How to raise a claim

• Email support@houseoftech.ai within 48 hours of delivery with subject “Dharmic Store Return/Replacement Request”.
• Include your order number, photographs of the product and its outer packaging, and — for damage or missing-item claims — an unedited unboxing video of the sealed parcel being opened. The unboxing video is mandatory for damage, breakage, and missing-item claims; we cannot verify such claims without it.
• Keep all original packaging, tags, protective wrapping, freebies, and invoice until the claim is resolved.
• We acknowledge within 2 working days and confirm the outcome after verification.

5.3 Resolution

• Approved claims are resolved by free replacement of the same item where stock permits, or by refund where it does not.
• Where a reverse pickup is arranged, it is free of cost for eligible claims. Where reverse pickup is not serviceable at your PIN code, we may ask you to self-ship and will reimburse reasonable courier charges against a receipt.
• Returned goods must be unused (beyond inspection), in original condition and packaging.

5.4 Non-returnable / non-refundable

• Change of mind, or the product simply not matching personal expectation.
• Dissatisfaction with spiritual effect, astrological outcome, or results — efficacy is a matter of individual faith and is expressly not warranted (see our Terms & Conditions).
• Natural variation in rudraksha, Narmada stone, parad, gemstones, crystals, or wood — grain, colour, veining, weight, and minor size differences are inherent, not defects.
• Minor colour difference from on-screen photographs due to display, lighting, or photography.
• Opened or used itra, oils, incense, and other consumables, and opened puja kits, for hygiene and sanctity reasons.
• Personalised, made-to-order, or specially energised-to-order items.
• Items reported after the 48-hour window, or returned without original packaging, tags, or invoice.
• Damage caused after delivery by mishandling, dropping, water exposure, or improper use.
• Free gifts and promotional add-ons (these are replaced only if the paid item is replaced).

6. Refunds & Timelines

• Approved refunds are initiated within 2 working days of approval and credited within 5–10 working days, depending on your bank or card issuer.
• Prepaid orders are refunded to the original payment method.
• COD orders are refunded by NEFT/UPI to a bank account or UPI ID you provide; we may ask for a cancelled cheque or account confirmation before processing.
• Shipping charges already paid are refunded only where the fault is ours (damaged, defective, wrong, or not-as-described item) or where we cancel the order.
• For a partial return from a multi-item order, any discount applied to the order may be recalculated, and the refund reflects the effective price actually paid for the returned item.
• If a promotional threshold (for example free shipping above ₹999) is no longer met after a partial return, the corresponding shipping benefit may be adjusted from the refund.

7. Undelivered, Refused & RTO Orders

• If a parcel is returned to us undelivered because the address was incorrect or incomplete, the phone was unreachable across repeated attempts, or delivery was refused, we refund a prepaid order minus the actual forward and return shipping cost incurred.
• Repeated refusal of Cash-on-Delivery orders may result in COD being disabled for your account or number, or your account being suspended.
• If you want the parcel re-shipped after an RTO, fresh shipping charges apply.

8. Chargebacks & Disputes

• If you initiate a chargeback through your bank or card issuer without first contacting us, we may suspend your account and withhold further service during dispute resolution.
• Please email support first — genuine damage, wrong-item, and missing-item claims are settled faster directly.
• Any dispute is subject to our Terms & Conditions, including governing law and jurisdiction.

9. Consumer Rights

Nothing in this Policy limits any non-waivable right you have under the Consumer Protection Act, 2019 or other consumer law applicable to you. Where such law grants you a stronger remedy than this Policy, that law prevails.

10. Contact

• Company Name: HouseofTech Innovation Pvt Ltd
• Store: dharmic.store
• Email: support@houseoftech.ai
• Support hours: Monday–Saturday, 10:00–18:00 IST
• Address: F-118, Adani Galeria, Sector 89A, Gurgaon, Haryana, India