Payment & Refund Policy

This Payment & Refund Policy ("Policy") describes how Sochmate AI Private Limited ("DotBuy", "we", "us", "our") handles payments, refunds, and related disputes for the DotBuy Service.

DotBuy operates as an AI-powered intermediary: we collect payment from you, then place and complete your order on the respective e-commerce platform on your behalf. This Policy applies to all transactions processed through DotBuy.

DotBuy's payment flow is as follows:

Step 1 — You Pay DotBuyYou make a payment to DotBuy for your requested order. The amount includes product prices, applicable delivery charges, platform-specific fees, and any DotBuy service fee — all disclosed to you before payment.

Step 2 — DotBuy Places Your OrderAfter receiving your payment, our backend AI agent automatically logs into the relevant e-commerce platform(s) using your authorized credentials (or our service accounts), adds the products to the cart, applies available coupon codes, and completes the checkout.

Step 3 — Maximum Discount AppliedOur AI actively searches for and applies the best available promo codes, cashback offers, and platform discounts to give you the maximum possible savings.

Step 4 — Order ConfirmationOnce the order is placed successfully, you receive an order confirmation with the platform's order ID and tracking details.

You authorize DotBuy to act as your agent for the purpose of completing purchases on supported platforms. By making a payment, you confirm this authorization.

DotBuy accepts the following payment methods, all processed securely by Razorpay (a PCI-DSS Level 1 certified payment processor):

• UPI — PhonePe, Google Pay, Paytm, and all UPI apps• Credit Cards — Visa, Mastercard, RuPay, American Express• Debit Cards — All major Indian bank debit cards• Net Banking — All major Indian banks• Wallets — Paytm, Amazon Pay, Mobikwik, and others• EMI — Available on select credit cards (as per Razorpay's EMI options)

Currency: All transactions are processed in Indian Rupees (INR).

Security: DotBuy does not store your full card number, CVV, or UPI PIN. All payment information is encrypted and handled exclusively by Razorpay.

The total amount you pay includes:

• Product Price — The actual price of the item(s) on the selected platform at the time of order• Platform Delivery Fee — Charged by the e-commerce platform (may vary by platform, location, and order value)• Platform Handling Fee — Any platform-specific surcharges• DotBuy Service Fee — Our fee for the AI-powered search, comparison, and order placement service (displayed transparently before checkout)

Discounts & Coupons: Any coupon codes or cashback applied by our AI will be deducted from the total before you are charged. The final price displayed is the amount you pay.

Price Fluctuations: Product prices on e-commerce platforms can change rapidly. The price displayed during checkout is the price at the time of creating your order. Minor fluctuations of up to ₹10 may occur due to platform-side dynamic pricing.

Upon successful payment and order placement:

• You will receive an email confirmation from DotBuy with your order summary• The relevant e-commerce platform will send you their own order confirmation• You can track your order directly on the platform's website or app using the platform order ID provided

If you do not receive a confirmation within 30 minutes of payment, please contact us at [email protected]

6.1 Automatic Refund CasesYou are entitled to a full refund if:• DotBuy is unable to place your order due to a technical failure• The ordered item(s) are out of stock on all supported platforms• Payment was charged but order confirmation was not received within 2 hours• Our AI agent encounters an unrecoverable error during checkout

6.2 Partial RefundsYou may receive a partial refund if:• Some items in your order could not be fulfilled (you will be charged only for successfully placed items)• A discount or coupon was applied resulting in a lower final order value than initially charged

6.3 Refund Timeline• Refunds are processed within 2–3 business days of approval• The amount will be credited to your original payment method within 5–7 business days (as per bank/payment gateway timelines)• UPI refunds may reflect faster (within 1–3 business days)

6.4 Non-Refundable Cases• Orders that have been successfully placed and confirmed cannot be cancelled through DotBuy — you must cancel directly on the platform• DotBuy service fees are non-refundable once an order has been successfully placed• Failed transactions where your bank has debited the amount but Razorpay has not received the payment — in such cases, your bank will automatically reverse the debit within 5–7 business days

Before Order Placement• You can cancel your order before DotBuy completes the checkout process• Full refund will be processed automatically

After Order Placement• Once the order is placed on the e-commerce platform, cancellation must be initiated directly on that platform (Flipkart, Zepto, BigBasket, etc.)• Platform cancellation policies apply• Any refund from the platform will be credited to the account used for ordering

How to Cancel: Contact us immediately at [email protected] with your DotBuy Order ID.

If your payment fails:

• No amount is debited from your account• You can retry the payment within the same session• If your bank shows a debit but the payment failed at our end, the amount will be automatically reversed by your bank within 5–7 business days• Contact us at [email protected] with your bank transaction reference if you face issues

We do not accept responsibility for failed transactions caused by:• Insufficient funds in your account• Incorrect payment details• Bank-side declines• Network connectivity issues on your end

If you have a dispute regarding a payment or refund:

Step 1: Contact our support team at [email protected] with your Order ID, payment details, and a description of the issue. We aim to resolve disputes within 48–72 hours.

Step 2: If unresolved, you may escalate to our Grievance Officer at [email protected]. We will respond within 30 days.

Step 3: For payment disputes, you may also raise a chargeback through your bank. Note that fraudulent chargebacks may result in account suspension.

For Razorpay-specific payment issues, you may also contact Razorpay support directly.

For any payment or refund queries:

Sochmate AI Private LimitedEmail: [email protected]Website: https://dotbuy.appContact Form: https://dotbuy.app/contact

Our support team is available Monday to Saturday, 9 AM to 6 PM IST.