These Terms of Use (“Terms of Use”) have been drafted in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of happyness.live

About Us

The domain name happyness.live (hereinafter referred to as "Website") owned and managed by HAPPYNESS INNOVATIONS PRIVATE LIMITED, a limited company, incorporated and existing under the laws of India and having its corporate office at B1107, Ratnakar Nine Square, Judges Bunglow Road, Opp. Keshav Bagh, Ahmedabad. (hereinafter referred to as “Company”)

Your use of the Website and services and tools are governed by the following terms and conditions ("Terms of Use") as applicable to the Website including the applicable policies which are incorporated herein by way of reference. If You transact on the Website, You shall be subject to the policies that are applicable to the Website for such transaction. By mere use of the Website, You shall be contracting with Company and these terms and conditions including the policies constitute your binding obligations, with the Website.

For the purpose of these Terms of Use, wherever the context so requires "You" or "User" shall mean any natural or legal person who has agreed to become a user of the Website by providing Registration Data while registering on the Website as Registered User, including a guest User whose registration shall be subject to verification and confirmation by the Company, using the computer systems. This Website allows the User to surf the Website or making purchases without registering on the Website. The term "We", "Us", "Our" shall mean Company.

Eligibility to Use

Use of the Website is available only to persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Website. If you are a minor i.e. under the age of 18 years, you shall not register as a User of the Company website and shall not transact on or use the Website. As a minor if you wish to use or transact on Website, such use or transaction may be made by your legal guardian or parents on the Website. Company reserves the right to terminate your membership and / or refuse to provide you with access to the Website if it is brought to Company's notice or if it is discovered that you are under the age of 18 years. By visiting Company Website or accepting these Terms of Use, You represent and warrant to Company that You are 18 years of age or older, and that You have the right, authority and capacity to use the Website and agree to and abide by these Terms of Use. You also represent and warrant to the Company that You will use the Website in a manner consistent with any and all applicable laws and regulations.

Company reserves the right to refuse access to use the Services offered at the Website to new Users or to terminate access granted to existing Users at any time without according any reasons for doing so

You shall not have more than one active Account on the Website. Additionally, You are prohibited from selling, trading, or otherwise transferring Your Account to another party.

Your Account

The Company offers its services to different categories. Users of each of the categories are required to register themselves on the Website and make an individual account with Company in order to receive its services. Such an account is accessible by the unique username and password provided to the User by the Company when they chose to register themselves on the Website. The said username and password should be kept highly confidential and should not be disclosed to any third party. You agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be used in an unauthorised manner.

You shall ensure that the Account Information provided by You in the Website's registration form is complete, accurate and up-to-date. Use of another user's Account Information for availing the Services is expressly prohibited.

If You provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Company has the right to suspend or terminate Your Account and refuse any and all current or future use of the Website (or any portion thereof).

Users may fall under any of the following categories and provide to Company the corresponding information.

Category 1: Users placing order for Prescription Drugs

Prescription Drugs means a pharmaceutical drug that requires a prior medical prescription issued by a registered medical practitioner to be provided to a registered pharmacist for the purpose of dispensing such medicine.

If You are a User falling in Category 1, You shall be required to abide by the terms specified below:

a.While placing the order for a Prescription Drug, You shall be required to mandatorily upload the prescription issued by a registered medical practitioner, along with Your personal information on the Website. All payments in respect of any orders pertaining to Prescription Drug placed by you shall be collected either in cash or by the payment options as provided for on the Website by the Company. You may choose to pay online in respect of any other products ordered online by you which do not fall within this Category.

b.You hereby understand and acknowledge that the Company shall reserve the right to cancel the order, if the copy of the Prescription uploaded by You is not legible or the order placed by You is not in accordance with the Prescription.

c.You further confirm that the delivery of such Prescription Drug shall be deemed to have been completed only upon production of the original copy of the Prescription from a registered medical practitioner (A written document issued on the letterhead of a registered medical practitioner along with the date of issue of such prescription, name and address of the person for whose treatment the said prescription is being issued along with the total quantity of the medicine to be supplied and the prescribed dosage) to the Chemist Representative (Person appointed by the Seller who shall be responsible for delivering the order to the Buyer and shall deliver any order for prescribed drugs after authenticating the originality of the prescription uploaded upon the Website) of the Seller(Sellers includes all the retailers who register themselves on the Website after understanding the terms and conditions under which they shall operate upon any order placed by the Buyer on the Website). The Company shall not be liable to complete the delivery if the Chemist Representative is not provided with the original copy of the Prescription. You hereby affirm and warrant that the Prescription uploaded by You is genuine and has not been tampered with in any manner. Further, the original copy of the Prescription needs to match with the copy that was uploaded at the time of order submission.

d.User shall allow the Chemist Representative to stamp or sticker the original prescription at the time of medicine delivery failing which medicines will not be delivered.

e.You hereby understand and acknowledge that the Company reserves the right to verify the Prescription uploaded by You. The Company reserves the right to cancel your order immediately, in the event the Company discovers any discrepancy in the Prescription uploaded by You. Further, upon delivery, if the Chemist Representative discovers any discrepancy between the prescription uploaded and the physical copy produced at the time of delivery, the delivery may be withheld and the order shall stand cancelled.

f.You further understand and acknowledge that only such quantity of drugs shall be dispensed in accordance with the uploaded Prescription. The quantity of Prescription Drugs dispensed shall be the lesser of:
a.the quantity requested by the Customer; or
b.the quantity allowed by the Prescription (subject to Prescription Drugs served as strips not being cut / reduced in any manner).

Category 2: Users placing order for Over the Counter (“OTC”) Medicines/ Products/ Medical Equipment/ Wellness Products

Such users shall be required to provide the Company with their personal information and/or their banking details.

Category 3: Retailers registered with the Site

a.The Retailers are verified retailers who hold valid license numbers, employ registered pharmacists and actin accordance with the applicable laws.

b.The Retailers shall not engage in any transaction in an item or service, which is prohibited by the provisions of any applicable law including Drugs and Cosmetics Act, 1940, the Drugs and Magic Remedies (Objectionable Advertisements) Act, 1954 or regulations for the time being in force.

c.The Retailer shall ensure that all applicable laws, rules and regulations and taxes in respect of the medicines including, but not limited to, sales tax/ VAT, income tax, octroi, service tax, central excise, custom duty, local levies, etc. have been duly paid by the users prior to dispensing any medicines or products on the Website. The Retailer shall not solicit offers to purchase and sale of discounted items or additional services on the Website shall be displayed only after the prior written approval of the Company.

Privacy and Information Protection

Please review our Privacy Policy, which also governs your visit to this Site, to understand our internal policies and practices. The personal information / data provided to us by you during the course of usage of www.zigy.com will be treated as strictly confidential and in accordance with the Privacy Policy and applicable laws and regulations. If you object to your information being transferred or used, please do not use the website.

E-Platform for transactions

1.You agree, understand and acknowledge that the website is an online platform that enables you to purchase products required by You on the website at the price indicated therein at any time from any location. You further agree and acknowledge that Company is only a facilitator and is not and cannot be a party to or control in any manner any transactions on the website. Accordingly, the contract of sale of products on the website shall be a strictly bipartite contract between you and the sellers on this site.
Henceforth:

a.All commercial / contractual terms are offered by and agreed to between Buyers and Sellers alone. The commercial/contractual terms include without limitation price, shipping costs, delivery / convenience fee, payment methods, payment terms, date, period and mode of delivery. The Company does not have any control or does not determine or advise or in any way involve itself in the offering or acceptance of such commercial / contractual terms between the Buyers and Sellers.

b.Company does not make any representation or Warranty as to specifics (such as quality, value, salability, etc) of the products or services proposed to be sold or offered to be sold or purchased on the Website. Company does not implicitly or explicitly support or endorse the sale or purchase of any products or services on the Website. Company accepts no liability for any errors or omissions, whether on behalf of itself or third parties.

c.At no time shall Company hold any right, title or interest over the products nor shall Company have any obligations or liabilities in respect of such contract entered into between Buyers and Sellers. Company is not responsible for unsatisfactory or delayed performance of services or damages or delays as a result of products which are out of stock, unavailable or back ordered.

2.Fulfillment of Orders: In the event an order placed by you is confirmed to be dispensed and delivered by a seller registered on the website but subsequently due to any reason, the seller is not able to fulfill such order, the Company shall, on a best efforts basis, endeavor to fulfill the order through third party sellers having requisite license to dispense such orders. In such cases, the Company will contact you to seek your confirmation if the order can be dispensed by such third party sellers, whose details will be provided to you in the intimation call made by the Company / SMS sent to you. If you choose to confirm the replacement of the seller for fulfillment of your order, the Company shall get the order processed from the seller confirmed by you. However, if you choose to cancel your order, the Company shall cancel the same on your behalf.

Charges for using the Website / Mobile App

Membership on the Website / Mobile App is free for Buyers. Company does not charge any fee for browsing and buying on the Website / Mobile App. Company reserves the right to change its Fee Policy from time to time. In particular, Company may at its sole discretion introduce new services and modify some or all of the existing services offered on the Website / Mobile App. In such an event Company reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee Policy shall be posted on the Website and such changes shall automatically become effective immediately after they are posted on the Website. Unless otherwise stated, all fees shall be quoted in Indian Rupees.

License for Website Access

1.Company grants you a limited licence to access and make personal use of this website, but not to download (other than page caching) or modify it, or any portion of it. This licence does not include any resale or commercial use of this website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this website or its contents; any downloading or copying of account information for the benefit of another seller; or any use of data mining, robots, or similar data gathering and extraction tools.

2.This website or any portion of this website (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose.

Your Conduct

1.You must not use the Website in any way that causes, or is likely to cause, the Website or access to it to be interrupted, damaged or impaired in any way. You understand that you, and not Company, are responsible for all electronic communications and content sent from your computer to us and you must use the Website for lawful purposes only. You must not use the Website for any of the following:

a.for fraudulent purposes, or in connection with a criminal offense or other unlawful activity

b.to send, use or reuse any material that does not belong to you; or is illegal, offensive (including but not limited to material that is sexually explicit content or which promotes racism, bigotry, hatred or physical harm), deceptive, misleading, abusive, indecent, harassing, blasphemous, defamatory, libelous, obscene, pornographic, pedophilic or menacing; ethnically objectionable, disparaging or in breach of copyright, trademark, confidentiality, privacy or any other proprietary information or right; or is otherwise injurious to third parties; or relates to or promotes money laundering or gambling; or is harmful to minors in any way; or impersonates another person; or threatens the unity, integrity, security or sovereignty of India or friendly relations with foreign States; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any "spam

c.to cause annoyance, inconvenience or needless anxiety

Selling

1.The Retailer is legally able to sell the item(s) listed by such Retailer on the Website and such listings shall only include text descriptions, graphics and pictures that describe the item(s) for sale. All listed item(s) will be listed in an appropriate category on the Website and shall be kept in stock for successful fulfillment of sales.

2.The Retailer shall not sell any Schedule ‘X’ drugs in contravention of the provisions of the Drugs and Cosmetics Act, 1940, the Drugs and Cosmetics Rules, 1945 or under any orders/ directions of the Drug Controlling Authority of India. The Retailer shall not sell any prescription drug without a prescription and incase a prescription is uploaded, without due authentication of the prescription.

3.The Retailer shall ensure that the listing description of the item is not misleading and describes actual condition of the product.

Payments

1.While availing any of the payment method/s available on the Website, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to You due to:
a.Lack of authorization for any transaction/s, or
b.Payments exceeding the preset limit mutually agreed by You and between "Bank/s", or
c.Any payment issues arising out of the transaction, or
d.Decline of transaction for any other reason/s

2.All payments made against the purchases/services on Website by you shall be compulsorily in Indian Rupees acceptable in the Republic of India. Website will not facilitate transaction with respect to any other form of currency with respect to the purchases made on Website.

3.Before delivering your order to you, Seller may request you to provide supporting documents (including but not limited to Govt. issued ID and address proof) to establish the authenticity of the payment instrument used by you for your purchase. This is done in the interest of providing a safe online shopping environment to Our Users.

4.Transactions, Transaction Price and all commercial terms such as Delivery, Dispatch of products and/or services are as per principal to principal bipartite contractual obligations between Buyer and Seller and payment facility is merely used by the Buyer and Seller to facilitate the completion of the Transaction. Use of the payment facility shall not render the Company liable or responsible for the non-delivery, non-receipt, non-payment, damage, breach of representations and warranties, non-provision of after sales or warranty services or fraud as regards the products and /or services listed on Company's Website.

5.You have specifically authorized Company or its service providers to collect, process, facilitate and remit payments and / or the Transaction Price electronically or through Cash on Delivery to and from other Users in respect of transactions through Payment Facility. Your relationship with Company is on a principal-to-principal basis and by accepting these Terms of Use you agree that Company is an independent contractor for all purposes and does not have control of or liability for the products or services that are listed on the Company's Website that are paid for by using the Payment Facility. Company does not guarantee the identity of any User, nor does it ensure that a Buyer or a Seller will complete a transaction.

6.You understand, accept and agree that the payment facility provided by Company is neither a banking nor financial service but is merely a facilitator providing an electronic, automated online electronic payment, receiving payment through Cash On Delivery, collection and remittance facility for the Transactions on the Company Website using the existing authorized banking infrastructure and Credit Card payment gateway networks. Further, by providing Payment Facility, Company is neither acting as trustees nor acting in a fiduciary capacity with respect to the Transaction or the Transaction Price.

7.All Valid Credit / Debit/ Cash Card/ and other payment instruments are processed using a Credit Card payment gateway or appropriate payment system infrastructure and the same will also be governed by the terms and conditions agreed to between the Buyer and the respective Issuing Bank and payment instrument issuing company.

Policies

Profanity Policy

1.Our Website prohibits the use of language that is racist, hateful, sexual or obscene in nature in a public area.

2.This policy extends to text within listings, on Seller pages and all other areas of the site that another User may view. If the profane words are part of a title for the item being sold, we allow Sellers to 'blur' out the bulk of the offending word with asterisks

3.Please report any violations of this policy to the correct area for review:
a.Report offensive and or inappropriate User Profiles
b.Report offensive and or inappropriate language in a listing or otherwise

4.If a feedback comment; or any communication made between Users on the Website; or email communication between Users in relation to transactions conducted on Website contain profanity, please review Our feedback removal policy and submit a request for action/removal.

5.Disciplinary action may result in the indefinite suspension of a User's account, temporary suspension, or a formal warning.

6.Company will consider the circumstances of an alleged policy violation and the user's trading records before taking action.

7.Violations of this policy may result in a range of actions, including:
a.Limits placed on account privileges;
b.Loss of special status;
c.Account suspension.

Returns Policy

1.Definition: 'Return' is defined as the action of taking back all of the item(s) which make up the order (“Returned Order”), placed by the Buyer on the Website, by the Seller. Return may result in refund of money in most of the cases.

2.Products may be returned at the time of delivery in the following cases:

a.In the event the original prescription does not match the scanned prescription (where prescription drugs are part of the order), the Chemist Representative will refuse to deliver the entire order;

b.In the event the product received by you is damaged, you should refuse to accept the damaged products and these will be brought back by the Chemist Representative;

c.In the event the packaging has been tampered with, you should refuse to accept the delivery; and/or

d.If an incorrect order has been delivered which is not consistent with the order placed by you on the Website, you should refuse to accept the delivery.

3.It is clarified that on the occurrence of the above mentioned events, any payment for the Returned Order shall be refunded to you. In the event the Returned Order is prepaid, a refund would be generated to the same channel from where the money was received at the time of order placement.

4.It is further clarified that all the other item(s) in an invoice, if any, which constitute such Returned Order, shall also be compulsorily required to be returned back to the Seller.

5.Products may be returned post delivery in the following cases:

a.If an expired product has been delivered, request for returning the products has to be initiated within a period of twenty-four (24) hours from the time of acceptance of delivery; and/or

b.In the event that there is malfunctioning of delivered medical devices, the request for return has to be initiated within seven (7) days of the date of acceptance of delivery. The malfunctioning of the medical device is the sole reason which may constitute return of the order.

6.The following points need to be kept in mind before initiating any request for return:

a.Medicine strips which have been opened by the Buyer or do not any longer bear the expiry date or price of the medicine shall not be returned. The bar code on the medicine should NOT be tampered with under any circumstance.

b.The User should be in possession of the unique serial number sticker that was issued to the User by the Chemist Representative at the time of delivery.

Disclaimer of Warranties and Liabilities

1.You acknowledge and undertake that you are accessing the services on the Website and transacting at your own risk and are using your best and prudent judgment before entering into any transactions through the Website. We shall neither be liable nor responsible for any actions or inactions of sellers, nor any breach of conditions, representations or warranties by the sellers or manufacturers of the products and hereby expressly disclaim any and all responsibility and liability in that regard. We shall not mediate or resolve any dispute or disagreement between you and the sellers or manufacturers of the products.

2.We further expressly disclaim any warranties or representations (express or implied) in respect of quality, suitability, accuracy, reliability, completeness, timeliness, performance, safety, merchantability, fitness for a particular purpose, or legality of the products listed or displayed or transacted or the content (including product information and/or specifications) on the website. While we have taken precautions to avoid inaccuracies in content, this Website, all content, information, software, products, services and related graphics are provided as is, without warranty of any kind. We do not implicitly or explicitly support or endorse the sale or purchase of any products on the Website. At no time shall any right, title or interest in the products sold through or displayed on the Website vest with Company nor shall Company have any obligations or liabilities in respect of any transactions on the website. It is expressly declared that the Website is only a marketplace for the Buyers to purchase from the registered Sellers and neither the Website nor the Company is responsible for any sale or purchase made at the marketplace platform.

Indemnity and Release

1.You shall indemnify and hold harmless Company, its subsidiaries, affiliates and their respective officers, directors, agents and employees, from any claim or demand, or actions including reasonable attorney's fees, made by any third party or penalty imposed due to or arising out of your breach of these Conditions of Use or any document incorporated by reference, or your violation of any law, rules, regulations or the rights of a third party.

2.You hereby expressly release Company and/or its affiliates and/or any of its officers and representatives from any cost, damage, liability or other consequence of any of the actions/inactions of the vendors and specifically waiver any claims or demands that you may have in this behalf under any statute, contract or otherwise.
3.In no event shall the Company and/or its affiliates and/or any of its officers and representative and/or the Retailers be held liable for any non-delivery or late delivery due to any force majeur event or if the customer fails to provide a valid prescription.

Communications

When you visit the Website or send e-mails to us, you are communicating with us electronically. You will be required to provide a valid phone number while placing an order with us. We may communicate with you by e-mail, SMS, phone call or by posting notices on the website or by any other mode of communication. For contractual purposes, you consent to receive communications including SMS, e-mail or phone calls from us with respect to your order.

Losses

We will not be responsible for any business loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure) or any other indirect or consequential loss that is not reasonably foreseeable to both you and us when you commenced using the website.

Alteration of Service or Amendments to the Conditions

We reserve the right to make changes to our website, policies, and these Conditions of Use at any time. You will be subject to the policies and Conditions of Use in force at the time that you use the website or that you order goods from us, unless any change to those policies or these conditions is required to be made by law or government authority (in which case it will apply to orders previously placed by you). If any of these conditions is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.

Events beyond our reasonable control

We will not be held responsible for any delay or failure to comply with our obligations under these conditions if the delay or failure arises from any cause which is beyond our reasonable control. This condition does not affect your statutory rights.

Waiver

If you breach these conditions and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these conditions.

Governing law and Jurisdiction

These conditions are governed by and construed in accordance with the laws of India. You agree, as we do, to submit to the exclusive jurisdiction of the courts at Rajkot.

Limitation of Liability

IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THESE TERMS OF USE, EVEN IF USER HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

Severability & Waiver Contact Information

If any provision of this Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

FEES AND CHARGES

A. Annual & Renewal Fees

There is Annual Fee and Renewal Fee applicable on the Happyness Cards. Annual fee is a one-time charge ranging between Rs. 0/- to Rs.200/- plus applicable taxes and renewal fee is charged ranges between Rs. 0/- to Rs.200/- plus applicable taxes. These fees may vary from Cardholder to Cardholder and for different card variants. These fees, as applicable, are charged to the Cardholder account and the same would be billed in the card statement of the month in which it is charged. There may be separate fees for additional cards issued to the Primary Cardholder.

Card Name	Annual Fee (Rs.)	Renewal Fee (Rs.)
Health Card	200/-	200/- (Waived off on annual spends of 12 thousand or more in the preceding year)
Grocery Card	200/-	200/- (Waived off on annual spends of 12 thousand or more in the preceding year)
Super Card	300/-	300/- (Waived off on annual spends of 18 thousand or more in the preceding year)

B. Cash Payment fee

The Cardholders can pay Happyness card dues by cash, this facility is available at a service fee of Rs. 250 + applicable taxes.

C. Charges

i. Charges and fees, as may be applicable from time to time, are payable by Cardholders for specific services provided by Happyness Innovations Pvt. Ltd. to the Cardholder or for defaults committed by the Cardholder with reference to his/her Card account.

ii. Happyness Innovations Pvt. Ltd. retains the right to alter any charges or fees from time to time or to introduce any new charges or fees, as it may deem appropriate, with due intimation to cardholders.

D. Interest Free Grace Period

The interest free credit period could range from 10 to 40 days subject to submission of claims by the Happyness service providers (i.e. Pharmacy, Grocery store, Laboratory, Doctor, Hospitals, etc.). However, this is not applicable if the previous month’s balance has not been cleared in full.

E. Finance Charges

Finance Charges are payable at the monthly interest rate on all transactions from the date of transaction in the event of the Cardholder choosing not to pay his balance in full, and on all advances taken by the Cardholder, till they are paid back.

If the Cardholder makes partial or no payment of Total amount due (TAD) before Payment due date (PDD); i.e. the Customer has outstanding balance from previous months and in the current month, full payment of Total amount due is made before Payment due date then Finance charges will be levied on the closing balance till the payment date.

The current rate of finance charges is up-to 2.00% per month [24% per annum] from the transaction date and is subject to change at the discretion of Happyness Innovations Pvt. Ltd.. Finance charges, if payable, are subject to levy of applicable taxes and are debited to the Cardholder’s account till the outstanding on the card is paid in full. The minimum amount of Finance Charge levied on all transactions in the event of the Cardholder choosing not to pay his balance in full within payment due date, exclusive of applicable taxes.

a. Finance charges on purchases and services are applicable from the date of transaction until the payment is made in full.

Example 1 - Card Statement date – 15th of every month.

Transaction done between 16th June’22 – 15th July’22

1. Retail Purchase of Rs. 5000 – On 20th June’22

2. Laboratory Service of Rs. 7000 – On 10th July’22

In case the statement outstanding has no cash balance and has not been carried forward from a previous statement and the retail balance outstanding on the statement date is paid in full by the payment due date, No Finance Charges are levied on such balances.

Example 2 –Card Statement date – 2nd of every month.

Transaction done between 3rd Jan’22 – 2nd Feb’22

1. Retail Purchase of Rs. 10000 – On 5th Jan’22

2. Doctor Service of Rs. 30000 – On 15th Jan’22

Assuming no previous balance carried forward from the 2nd Jan 2022 statement, the cardholder will get his 2nd Feb statement showing Rs. 40,000 transactions. The cardholder needs to make payment against the outstanding by 12nd Feb 2022, i.e. 10 days from the Statement Date, for anything between the entire amount or the Minimum Amount Due. In case the statement outstanding has no cash balance and has not been carried forward from a previous statement and the retail balance outstanding on the statement date is paid in full by the payment due date, No Finance Charges are levied on such balances. Making only the minimum payment every month would result in the repayment stretching over the years with consequent interest payment on your outstanding balance.

For e.g. on a transaction of Rs. 5,000 if Minimum Amount Due is paid every month (subject to a minimum amount of Rs. 200 every month), it will take up to 44 months for entire outstanding amount to be paid in full.

Example 3 – Card Statement date – 2nd of every month.

Transaction done between 3rd March ‘22 – 2nd April ‘22

(1) Annual fee of Rs. 500 – On 5th March ‘22

(2) Applicable taxes of Rs. 90 – On 5th March ‘22

(3) Retail Purchase of Rs. 6000 – On 15th March ‘22

Assuming no previous balance carried forward from the 2nd March 2022 statement, the cardholder will get his 2nd April statement showing Rs. 6,590 transactions. The cardholder needs to make payment against the outstanding by 12nd April 2022, i.e. 10 days from the Statement Date, for anything between the entire amount or Minimum Amount Due. Assuming the cardholder makes the payment of Minimum Amount Due of Rs.890, (5% of 6000 (retail spends)) + 90 (total GST) + 500 (100% of fee/charges) on 22^nd April 2022, rounded off to nearest decimal point, finance charges would be levied at the effective rate and added to the total outstanding. Considering the effective rate of 2.00% p.m., finance charge calculation will be done as follows:

On the balance of Rs. 6000 (15th March to 22nd April) for 38 days: (2.00*12)*(38/365)*6000/100= Rs. 149.92

On the balance of Rs. 5700 (22nd April to 2nd May) for 11 days: (2.00*12)*(11/365)*5700/100= Rs. 41.23

Total Interest charged = Rs. 191.15

Sum of Outstanding purchase amount, Interest charges, Fees and Charges, if any, and applicable taxes would reflect as the Total amount due in the statement dated 2nd May assuming the card holder does not make any transactions between 3rd April ‘22 – 2nd May ‘22. If the cardholder keeps making the Minimum Amount Due payment every month he would clear the outstanding in 20 months (100%/ 5% = 20).

Sum of Outstanding purchase amount, Interest charges, Fees and Charges, if any, and all applicable taxes would reflect as the Total amount due in the statement.

F. Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date.

NIL for Outstanding Amount on payment date from Rs.0 & up to Rs.500
Rs. 100 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000.
Rs. 200 for Outstanding Amount greater than Rs. 1000 & up to Rs. 2000.
Rs. 500 for Outstanding Amount greater than Rs. 2000 up to Rs. 20000.

G. Payment Dishonour

In case of a Payment Dishonour, cardholder will be charged payment dishonour fee of 2% of Payment Amount subject to minimum charges of Rs. 350/-

H. Other charges:

o Card Replacement: Rs.100/- to Rs. 200/-

o Cheque Payment Fee: Rs 100/-

o Payment collection charges: Rs 250/-

o Foreign Currency Transaction fee: Foreign Currency Transaction fee: 3.5% (For All Cards)

The exchange rate used to convert Foreign Currency transaction into INR will be determined by RBI basis the exchange rates governed by them on the date the transaction is settled with Happyness Card, which may not be the same date on which the transaction was made. The Foreign currency transaction fee will be applied on the INR converted amount shared by RBI.

LIMITS

Credit Limit is assigned to Cardholders based on internal Happyness Innovations Pvt. Ltd. credit criteria (Add-On cardholders share the same limits as that of the Primary Account Holder). These limits are communicated to the cardholder in Happyness App. Happyness Innovations Pvt. Ltd. will review the Cardholder account periodically and increase or decrease the Cardholder credit limit based on internal criteria. Cardholders seeking to have their credit limit increased can do so by writing to Happyness Innovations Pvt. Ltd. and providing financial documents declaring their income. Happyness Innovations Pvt. Ltd. at its sole discretion and based on such new documents provided, may increase the Credit Limit of the Cardholder.

BILLING AND STATEMENT

a) Happyness Innovations Pvt. Ltd. will send the Cardholder a monthly statement showing the payments credited and the transactions debited to the Cardholder’s Account since the last statement, provided the card has been active during the said period. Happyness Innovations Pvt. Ltd. will send a statement through email to the email id on record, if available, on a pre-determined date or cardholder can review the statement inside the Happyness App

b) Minimum Amount Due shall be Total GST + 100% of Fees/Charges + 2% of [Finance Charge (if any), Retail Spends and Service Spends (if any)] + Overlimit Amount (if any)]

c) Payments made towards the card outstanding are acknowledged in subsequent statements.
Any dispute regarding any matter pertaining to taxes shall be communicated to card Issuer within 30 days from the date of issuance of the Statement.

d) Payments received against the Cardholder’s card outstanding will be adjusted against all Minimum Amount Due (which is inclusive of all applicable taxes + 10% of Total Outstanding), Fees & Other Charges, Interest charges, Purchase Outstanding in that order.
Card Holder would be responsible for providing correct and timely information for enabling Card Issuer to undertake appropriate GST compliances which would in turn enable card holder to take input tax credit of supplies made by the Card Issuer. Card issuer shall not be responsible for any loss of input tax credit or delay in availment of input tax credit to the card holder on account of incorrect information provided by card holder or due to any act or omission by card holder.

e) Payments towards the Card account may be made in any of the following ways:

By logging onto https://portal.happyness.live/admin and using Payment option to make payment through UPI, net-banking, etc.
By mailing a Cheque or draft to the mailing address provided on the reverse of the monthly statement.
The Cheque/draft should be made payable to “Happyness Innovations Pvt. Ltd.".
ECS: Payments can be made through the Electronic Clearing System (ECS) in select cities.

Any advance received from card holder shall treated as being an advance towards future spends and not against any charges/fees.

g) Billing Disputes: All contents of statements will be deemed to be correct and accepted by the Cardholder unless within 25 days of the transaction Date the Cardholder informs Happyness Innovations Pvt. Ltd. of any discrepancies, and these discrepancies are found to be true by Happyness Innovations Pvt. Ltd. On receipt of such information, Happyness Innovations Pvt. Ltd. may reverse the charge on temporary basis. If on completion of subsequent investigations, the liability of such charges is to the Cardholder's account, the charge will be reinstated in a subsequent statement.

h) Customer Grievance Redressal: All grievance escalations should be marked to the Nodal Officer and e-mail at contact@happyness.live

i) Contact Particulars:

From All Phones: 7486001801 / 02 / 03.

Toll-free: 1800 202 2627

Correspondence: Through mail, by writing to The Manager - Customer Services, Happyness Innovations Pvt. Ltd., B1107, Ratnakar Nine Square, Judges Bunglow Road, Ahmedabad (Gujarat).
Through email by writing in at contact@happyness.live

j) Reversals initiated by Happyness Innovations Pvt. Ltd., including reversal of Fees and Charges, will not be adjusted against the payment due and will be treated as credit for the current billing cycle.

Any credit amount arising out of refund/failed/reversed transactions with an effective date of such transactions pertaining to previous billing cycle will be considered as payment if the amount is credited before the Payment Due Date of the previous billing cycle.

Any credit amount arising out of refund/failed/reversed transactions with an effective date of such transactions pertaining to the current billing cycle, will not be considered as payment even if the amount is credited before the Payment Due Date of the previous billing cycle.

TERMINATION / REVOCATION OF CARDHOLDER

a) The Cardholder may end the Agreement at any time by writing to Happyness Innovations Pvt. Ltd. or calling in to the Happyness Card Helpline, and by cutting the card(s) diagonally. All the cards including the add-on cards will be terminated basis the written request. In case a Cardholder having negative Rewards Point Balance at the time of voluntary closure, then the equivalent value of such negative reward points will be automatically converted to statement debit and is required to be paid by the Cardholder along with any other dues. Termination will be effective after payment of all amounts outstanding on the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis. Example – Negative Reward Point Balance at the time of voluntary closure: -1000 Upon voluntary closure, -1000 negative Reward Point balance will be automatically converted to statement debit. This amount will be charged to the Cardholder account and is required to be paid by the Cardholder along with any other dues.

b) Happyness Innovations Pvt. Ltd. may also restrict, terminate or suspend the use of The Cardholder Account at any time without prior notice if Happyness Innovations Pvt. Ltd. reasonably believe it necessary for business or security reasons and/ Or at the request of any law enforcement agency, and/or any government authority and/or under the laws & regulations which apply to Happyness Innovations Pvt. Ltd. & its customer.
Happyness Innovations Pvt. Ltd. can suspend the facility on the Card, if the Cardholder defaults on the payment due or exceeds the credit limit extended. The Card must not be used after the Agreement ends or while use of Card Account is suspended.

c) In such a situation, the Cardholder must (subject to any default or other notice required by law) immediately pay Happyness Innovations Pvt. Ltd. the total outstanding Balance on the Account. This includes all amounts due to Happyness Innovations Pvt. Ltd. under the Agreement, including all transactions and other amounts not yet charged to the Account. The Cardholder Account will not be considered as closed until the Cardholder has paid all such due amounts.

LOSS / THEFT / MISUSE OF CARD

a) The Cardholder should contact Happyness Innovations Pvt. Ltd. as soon as possible at the Happyness Card Helpline if the Primary or any Additional card is misplaced, lost, stolen, mutilated, not received when due or if he/she suspects that the card is being used without the Cardholder’s permission. Once a card is reported lost, it should not, under any circumstance be used if found by the Cardholder subsequently, and the Cardholder should cut the card diagonally in half.

The Cardholder can also block the card instantly either on helpline or our website happyness.live or through SMS based service

b) Happyness Innovations Pvt. Ltd. is not liable or responsible for any transactions incurred on the card account prior to the time of reporting of the loss of the card to Happyness Innovations Pvt. Ltd. and the Cardholder will be wholly liable for the same. In addition to notifying Happyness Innovations Pvt. Ltd. about the loss or theft of the Card, the Cardholder must report any theft of the card(s) to the Police and lodge an FIR. The cardholder will, however, be liable for all losses when someone obtains and misuses the card with the Cardholder’s consent, or the consent of an Additional Cardholder.

c) If the Cardholder has acted fraudulently the Cardholder will be liable for all losses. If the Cardholder acts without reasonable care, the Cardholder may be liable for all losses incurred. This may apply if the Cardholder fails to follow the safeguards as specified by Happyness Innovations Pvt. Ltd.

d) Happyness Innovations Pvt. Ltd. may, without referring to the Cardholder or any Additional Cardholder, give the police or other relevant authorities any information that Happyness Innovations Pvt. Ltd. considers relevant about the loss, theft or misuse of a Card.

e) Changes in contact details including mobile number, of your card account would be intimated to your new as well as preceding contact details in the system. It is advised to keep your current contact details including mobile number updated in our records.

Contact Information

If You any have any question, issue, complaint regarding any of our Services, please contact our Grievance Officer at

Corporate Address:
HAPPYNESS INNOVATIONS PRIVATE LIMITED
B1107, Ratnakar Nine Square,
Judges Bunglow Road,
Opp. Keshav Bagh,
Ahmedabad (Gujarat)