Payment Policy

This Payment Policy explains how payments are processed on the Shareperks mobile application (“App”), operated by Shareperks Technologies Private Limited (“Shareperks”, “Company”, “we”, “us”, or “our”), a company incorporated under the Companies Act, 2013, having its registered office at 601, Orchid Plaza, Off S.V. Road, Borivali (West), Mumbai – 400092, Maharashtra, India.

This Payment Policy is incorporated into, and must be read together with, our Terms & Conditions and Privacy Policy. In the event of any conflict between this Policy and the Terms & Conditions on matters of payment, the Terms & Conditions shall prevail.

1. Scope of This Policy

Access to the core Shareperks Platform — including account registration, broker/demat holdings verification, and browsing of available shareholder perks — is currently free of charge. Shareperks does not levy any subscription, registration, or access fee.

This Policy applies specifically to paid transactions currently available on the Platform, namely the purchase of gift cards, and to any other paid features Shareperks may introduce in the future. All such purchases are available exclusively within the App and are not available through the Shareperks website (www.shareperks.in), which is provided for informational purposes only.

2. Who Processes Your Payment

All payments for gift card purchases are processed by third-party, RBI-authorised payment gateway service providers (“Payment Partners”) and not by Shareperks directly.

Shareperks does not store, process, or have access to your full payment card details, UPI credentials, or net-banking login information. These are collected and processed solely by the relevant Payment Partner, in accordance with applicable Reserve Bank of India regulations and the Payment Partner’s own terms of service and privacy policy.

By initiating a purchase, you authorise the applicable Payment Partner to process the payment on Shareperks’ behalf, and you agree to be bound by that Payment Partner’s terms of service for the transaction.

3. Pricing

• Gift cards and other paid features are offered at a price displayed to you prior to checkout (“Purchase Price”).

• Your Purchase Price may reflect a discount to face value depending on your assigned shareholder eligibility tier, as determined under the Terms & Conditions.

• Coupons applied at checkout are subject to their displayed validity period, minimum purchase conditions, and usage limits, and may not be combined beyond what the Platform permits.

• In the event of an evident pricing or technical error, Shareperks may cancel the affected transaction and refund the amount paid, and is not obliged to honour the incorrect price.

4. Accepted Payment Methods

Accepted payment methods, such as UPI, debit/credit cards, or net banking, are those supported by our Payment Partners at the time of your transaction and will be displayed to you at checkout. Availability of a specific payment method is not guaranteed and may vary based on your Payment Partner, bank, or region.

5. Payment Confirmation & Failed Transactions

A transaction is considered successful only upon confirmation from the relevant Payment Partner. Where a payment is successfully deducted but the corresponding gift card is not issued or delivered due to a technical failure, Shareperks will, upon verification, either issue the gift card within a reasonable time or initiate a refund to your original payment method, within the timelines prescribed by applicable RBI guidelines on payment aggregators.

You should report a failed or non-delivered transaction to Shareperks support within 7 days of the transaction, through the app’s support option or by writing to our Grievance Officer.

6. Taxes & Additional Charges

Unless stated otherwise, the Purchase Price displayed at checkout is inclusive of applicable taxes. Shareperks does not levy any additional platform fee on gift card purchases beyond the displayed Purchase Price. This does not affect charges your bank, card network, or Payment Partner may separately apply, such as currency conversion charges where applicable.

7. Payment Security

All payment transactions are processed through Payment Partners that are RBI-authorised payment aggregators or gateways and are required to comply with applicable RBI data security and localisation norms. Shareperks does not store your full card, UPI, or net-banking credentials on its own systems.

8. Grievance Officer / Contact for Payment Issues

For any payment-related query, failed transaction, or complaint, contact our Grievance Officer: Himanshu Goyal, Grievance Officer / Data Protection Officer, 601, Orchid Plaza, Off S.V. Road, Borivali (West), Mumbai – 400092, Maharashtra, India. Email: himanshu.goyal@shareperks.in. Phone: +91-7014733904.

The Grievance Officer will acknowledge your complaint within 48 hours and resolve it within 30 days, as required by applicable law.

9. Changes to This Policy

Shareperks may update this Payment Policy from time to time to reflect changes in our payment processes, Payment Partners, or applicable law. We will post the updated version on the App with a revised effective date and, where changes are material, notify you through the App, email, or another prominent means before they take effect.

10. Related Policies

This Payment Policy should be read together with our Terms & Conditions and Privacy Policy, and our Refund & Cancellation Policy, which governs refunds, cancellations, and returns for purchases made on the Platform.