Payment Policy

## Okashi – Master Payment & Billing Policy
Effective Date: JANUARY 24, 2026
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## 1. Overview
Okashi Private Limited provides secure, encrypted, and multi-channeled billing ecosystems to manage retail purchases, corporate bulk trade, and founding member programs. All transactions executed through www.okashijpnind.com are securely routed via our primary PCI-DSS-compliant payment gateway partner, PayU.
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## 2. Standard E-Commerce Orders (D2C)
Standard retail checkouts for individual Japanese snacks, combo offers, and character goods are processed under a flexible tiered framework:

* 100% Secure Pre-paid Transactions: Complete checkout settlement utilizing UPI, Debit/Credit Cards, Net Banking, or supported digital wallets via PayU. Pre-paid orders receive prioritized warehouse picking and dispatch.
* Hybrid Cash on Delivery (COD) with 20% Advance Deposit: To prevent fraudulent shipments and mitigate high logistics Return-to-Origin (RTO) friction, all cash-on-delivery orders require a mandatory, non-refundable 20% online advance deposit paid via the checkout gateway. The remaining 80% balance is collected in cash or digital scan by the logistics agent immediately at the time of doorstep delivery.

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## 3. Corporate and Wholesale Transactions (B2B)
Fulfillment terms for bulk distributors, retail shop-owners, and supermarkets are structurally distinct from retail channels:

* Advance Clearing Requirement: All B2B freight orders operate strictly on a 100% upfront pre-paid billing configuration. Goods will not move to pallet assembly or transit packing until full commercial invoice clearance is confirmed.
* No COD/Credit Extension: Okashi does not offer standard post-delivery credit cycles or cash-on-delivery mechanics for high-volume commercial wholesale distribution.

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## 4. The Black Card Circle (Founding Members Club) Billing Structure
Purchases made under the premium Founding Members Club (Bronze, Silver, Gold, Platinum, and Onyx Tiers) are governed by rigorous corporate and tax compliance frameworks:

* 100% Upfront Processing via PayU: All single-tier entries ranging from ₹10,000 to ₹10,00,000 must be cleared in a single, 100% upfront transaction. Splitting payments or cash-on-delivery processing is strictly prohibited for membership assets.
* Advance Corporate Allocation: Transactions are legally recorded as an absolute, non-refundable advance commercial payment for premium retail vouchers, lifestyle goods manufacturing, and hospitality services. Funds are immediately deployed into global supply-chain sourcing and structural fulfillment infrastructure.
* Value Matrix Exhaustion System: Extended lifestyle values (e.g., the ₹17,00,000 perk wallet unlocked by the ₹10,00,000 Onyx Tier) function as a dynamic digital balance sheet on your user account. Your flat 20% store-wide discount and custom voucher redemptions are systematically deducted from this digital matrix until the specific tier cap is entirely exhausted.

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## 5. Specialized Gift Hampers

* Pre-paid Exclusivity: All custom-curated corporate gifting lines or premium snack hampers are classified as specialty bespoke items and require a 100% upfront digital payment prior to warehouse packaging. No partial deposits or cash-on-delivery channels are supported for hamper orders.

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## 6. Transactional Security & Data Privacy

* End-to-End Encryption: The Site deploys Bank-Grade 256-Bit SSL Encryption arrays across all checkouts.
* Zero Storage Protocols: Okashi Private Limited never views, processes, or stores your raw card numbers, CVVs, or online banking credentials. All core financial payloads are sandboxed and securely processed inside PayU's multi-layered network infrastructure.

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## 7. Cancellation & Multi-Tier Refund Rules
Refund paths are rigorously mapped according to the transaction type to secure corporate cash flow and align with vendor agreements:

* Standard Pre-paid Retail Orders: Eligible for full refund to the original source payment account only if canceled prior to physical warehouse dispatch, or in the case of verified damage subject to our master terms.
* Hybrid COD Orders: The initial 20% advance payment is strictly non-refundable once the order moves to processing. If canceled before warehouse dispatch, any balance cleared beyond the 20% cap will be issued back to the source account.
* The Black Card Circle Tiers: Contributions across all 5 specialized founding tiers are completely non-refundable and final from the millisecond of gateway capture. No refund requests, cash withdrawals, or early cancellations will be entertained during or after the 3-month initialization and global sourcing pipeline window.

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## 8. Billing & Corporate Governance Contacts
For immediate transactional verification, payment gateway troubleshooting, or to submit corporate invoicing records:

* Corporate Invoicing Help Desk: okashipvtltd.co@gmail.com
* Official Corporate Hotline: +91-9278024282

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By authorizing a payment transaction on www.okashijpnind.com , you certify that you have read, explicitly understood, and agree to stay bound by this comprehensive Payment & Billing Policy.