Last updated: 22 October 2026
1. How you pay
We take payments through two gateways. Razorpay handles payments from India: cards, UPI, net banking and wallets, in INR. PayPal handles international payments: your PayPal balance and cards through PayPal, in USD and EUR. The gateway and currency are shown at checkout.
2. What keeps your payment safe
- Our website uses an encrypted connection (HTTPS).
- You enter your card or bank details in Razorpay's or PayPal's own payment window. We never see or store your full card number, CVV or UPI PIN.
- Razorpay and PayPal process payment data under their own privacy policies. Razorpay handles card data under the card industry's security standard (PCI DSS).
- Your bank or PayPal may ask you to confirm the payment, for example with a one-time code.
3. Nothing is charged again by itself
A module is a one-time payment. Add-ons run for 12 months and are not renewed unless you turn auto-renewal on yourself. Yearly auto-renewal can run through Razorpay subscriptions or PayPal subscriptions. You turn it on from your order page after the purchase, and you can turn it off at any time in your account on our site or in your Razorpay or PayPal account. See section 10 of our Terms and Conditions.
4. A problem with a payment?
Write to sales@ilmtech.in or use the contact form, and give your order reference. A payment taken twice is always refunded in full, as our Refund Policy says.
5. Refunds
Refunds go back through the same gateway you paid with, to the extent the law allows. Gateway fees and currency-conversion differences are outside our control. Our 30-day money-back guarantee still applies, with these conditions: a refund ends the licence and all add-ons for that product; it is one refund per product per customer; and it does not apply to licence abuse or after a licence violation.
6. Chargebacks and disputes
Please contact us first before you file a chargeback or dispute. An unjustified chargeback or dispute filed while a refund was possible suspends the licence and add-ons. We may provide order, download and activation records to Razorpay or PayPal to answer the dispute.