Payment Policy

Last updated: 4 October 2026

KREZA sells digital trading education notes and, where listed, online video lessons. This Payment Policy describes what happens at checkout and how your purchase is delivered. Please read the Terms & Conditions and Returns & Refund Policy too.

1. Price and available methods

Prices and the final amount payable are shown in Indian rupees (INR) on the product and checkout pages. Any applicable tax, discount or charge is displayed before you place the order. The payment methods actually available are those shown at checkout; these may be processed through PayU and its banking or payment partners. We do not add shipping charges because there is no physical delivery.

2. When access begins

A payment attempt alone does not unlock a product. After the gateway confirms payment and the WooCommerce order is marked paid, the purchased note or video should be accessible from the same customer account used for the order. Sign in and open its product page to read or watch online. No printed material, original PDF attachment, downloadable file, courier or home delivery is provided.

3. Pending, failed or duplicate payments

If the checkout says pending or failed but your bank shows a debit, first check your KREZA order status and payment messages. Some transactions are reversed by the payment provider after reconciliation. Please avoid repeated payment attempts until you know whether the first one succeeded. If two successful payments were taken for the same intended purchase, or a successful payment did not result in access, contact us promptly with the order number, payment date, amount and transaction reference. Do not send a password, OTP or full card number.

4. Refunds and disputes

Access-enabled digital purchases are normally final, subject to our Returns & Refund Policy and applicable law. We review genuine duplicate charges, failed transactions that were debited, and cases where paid access cannot be supplied or the product materially differs from its description. Approved refunds are sent through the payment provider to the original payment method. Bank or gateway processing time can vary. You may also contact your payment provider or bank about an unresolved transaction or a chargeback.

5. Support

Use the contact details below for billing or access questions. We will investigate using the order and payment reference.

Contact & grievance redressal

Store: KREZA (kreza.in)
Operated by: Ritesh Kumar
Business address: Aliganj, Bhagalpur, Bihar 812005, India
Customer support: krezatrading@gmail.com · +91 7547874890
Grievance officer: kreza be · krezatrading@gmail.com · +91 7547874890

We acknowledge consumer complaints within 48 hours and aim to resolve them within one month of receipt. Please include your order number and a description of the issue. Never share your password, OTP or full card details. This does not limit any remedy available under applicable law.