3.1. The term “credit card holder” as used in these terms and conditions is defined as the person or entity in whose name the credit card was issued by the bank or financial institution that appears on the credit card. When you complete an online purchase from www.samagralearning.com using a credit card for payment, you agree to the following terms and conditions:
3.2. You are the credit card holder, a representative of the credit card holder or the credit card holder is aware you are making the purchase and has authorized you in advance to make the purchase using their credit card.
3.3. If you aren’t the credit card holder, you agree to notify the credit card holder of the purchase before making the purchase, and you guarantee to Samagra Progressive Learning Solutions Private Ltd. that you have made the credit card holder aware of the purchase in advance.
3.4. Should you have a problem with your purchase, you will contact Samagra Progressive Learning Solutions Private Ltd. to allow us to resolve the problem before contacting either the financial institution that issued the credit card or the credit card company.
3.5. To threaten a chargeback to alter purchase price after an order is placed is extortion; it is a felony and a Federal offense. Fraudulent use of credit cards will be investigated and reported to your local police, your local bank, and our merchant service. We will prosecute to the full extent of the law.
3.6. An unauthorized credit card charge back after an order has been placed is known as friendly fraud or chargeback abuse, even if you are the owner of the card, it is theft and still fraud. We will dispute the chargeback with proof of delivery and, as required, file a report with the police.
3.7. Original orders processed in error, improper address, wrong phone number, declined or expired card, etc. will require that new order only be shipped to the billing address of the credit card.
3.8. We accept only those credit cards mentioned on the product ordering screens as the payment options for your purchase.