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USAIndiaCFO – PaymentPolicy


Welcome to USAIndiaCFO, an initiative by BNG Advisors Private Limited. In this Policy, we refer to ourselves as “we,” “us,” and “our.”


The Payment Policy (the “Policy”) is to be read in conjunction with the Privacy Policy and the Terms and Conditions, as amended from time to time. Unless the context otherwise requires, words and phrases used in this Policy shall have the same meaning attributed to their common meaning.


By choosing to avail of our services and agreeing to pay a specified amount, you are entering into a purchase/sale transaction for the respective service/s with us. Upon associating with us and selecting our services, you are considered to have accepted the terms and conditions outlined in our Payment Policy as follows:



The pricing will vary depending on the selected services, the complexity involved, and the resources utilized, including the man-hours dedicated to delivering the service, along with any applicable government fees. All prices are exclusive of GST and other taxes, if necessary, unless explicitly specified.


Mode of Payment

  1. The following are the various modes of payment available with us:
    • Domestic and international credit cards issued by banks and institutions that are part of the Visa & MasterCard Network;
    • Visa Debit cards;
    • Net banking / Direct Debit payments from select banks in India;
    • Cheque and/or cash;
    • Other modes of payment through individual or select third-party applications.
  2. If you are using credit or debit cards affiliated with Visa and MasterCard, you may be required to submit your 16-digit credit card number, card expiry date, and 3-digit CVV number (usually on the reverse of the card) when making an online transaction.
  3. In the event that your cheque is dishonored due to insufficient funds or any other technical reasons, such as a signature mismatch, you shall be liable to bear additional penalty charges and any damages incurred.
  4. If non-receipt of payment occurs due to a payment gateway issue or any other similar issues, we will not be responsible for any damages caused to the client/customer, and the client/customer will be liable to pay us the amount for the services offered.
  5. However, if we receive such payment from the gateway or any other mode through which the payment was made at a later stage, the same shall be credited to the client/customer immediately.


Billing Information

Accuracy in billing information is crucial. Please ensure that the billing details you provide to us match the information associated with your bank account. Inaccurate information may result in delays in payment processing.



  1. Transactions on the website are safeguarded by an advanced anti-malware program. Any information you enter during a transaction is encrypted to protect you against unintentional disclosure to third parties.
  2. All payments are processed in real-time for your security and immediate peace of mind.
  3. Credit card and debit card information is not stored by us and is not collected by us. This information is directly captured by the authorized payment gateway, which complies with the regulations and requirements of banks, institutions, and payment franchises associated with it.


Part Payment

Clients/customers have the flexibility to make payments either in full or in installments. The specific terms and duration of these installment payments shall be mutually agreed upon by parties, ensuring transparency and clarity in the financial arrangement.


Due Date

  1. Payments must be initiated solely upon the receipt of valid invoices from us. We explicitly state that we bear no liability for payments made by you in the absence of a proper invoice.
  2. Settlement of invoices is mandatory within forty-five (45) days from the invoice date, unless an alternative arrangement has been mutually agreed upon.
  3. In the event of unsettled accounts or a delay in payment, services will be temporarily discontinued until such time as the payment is successfully processed and received by us.
  4. Any supplementary costs arising from the pursuit of overdue payments, including administrative tasks, emails, phone calls, faxes, or third-party charges, will be billed to the respective account. It is imperative to adhere to the agreed-upon payment timelines to avoid incurring such additional charges.


Late Payment

  1. You will be notified of the deferred payment, and a grace period of three (3) days will be extended to facilitate the clearance of outstanding dues.
  2. In the event of non-compliance with the payment obligation within the stipulated grace period, a penalty or late fee, not exceeding three percent of the total billing amount, will be levied and added to the outstanding billing amount. It is imperative to fulfill payment obligations promptly to avoid incurring additional charges.


Change of Service

If you wish to change the service initially selected for a different one, you are required to submit a request for this service change within 1 day of the purchase. The purchase price of the original service will be adjusted, deducting any earned fees and amounts paid to government entities (e.g., filing fees or taxes) or other third parties involved in processing your request. You have the flexibility to utilize the remaining balance credit for any other service provided by us. It is important to note that additional fees may apply if the original service has already been executed, and pure agent fees have been disbursed. Please be mindful of this while considering a change of service to ensure a smooth transition.


 Refund Policy

  1. Refund requests will not be entertained once the work has been shared with you, especially in the event of a change of mind.
  2. Refunds cannot be provided for earned fees due to the non-returnable nature of resources and man-hours spent on delivering the service.
  3. We are unable to refund or credit any money paid to government entities, such as filing fees or taxes, or to other third parties involved in processing your order.
  4. In case of non-receipt of payment due to a payment gateway issue or any other similar problems, we will not be responsible for any damages caused to you. In such instances, you will be liable to pay us the amount for the services offered. However, if we receive the payment at a later stage through the gateway or any other mode through which it was initially made, the same will be communicated to you and credited to your account. Any payment gateway charges for such transactions, if applicable, shall be deducted from the refund amount.
  5. We cannot guarantee the results or outcome of your particular procedure. For example, government rejection of a trademark application for legal reasons beyond our scope of service, or government backlog, or issues with government platforms (e.g., MCA website, Income Tax website, FSSAI website,Intellectual Property India website etc.) can lead to significant delays beyond our control. Such issues are not covered by this guarantee and are ineligible for a refund.
  6. We shall not be considered in breach of services or default under any terms of service, and shall not be liable to you for any cessation, interruption, or delay in the performance of our obligations due to reasons such as earthquake, flood, fire, storm, lightning, drought, landslide, hurricane, cyclone, typhoon, tornado, natural disaster, acts of God or the public enemy, epidemic or pandemic, famine or plague, action of a court or public authority, change in law, explosion, war, terrorism, armed conflict, labor strike, lockout, boycott, or a similar event beyond our reasonable control, whether foreseen or unforeseen.


Cancellation Fee

  1. If you request us to hold the processing of a service, we will retain the fee paid by you until the recommencement of the service has been communicated by you.
  2. If you choose to terminate services obtained from us, we reserve the right to inquire about the reasons for such termination. We assure you that we will not exert any undue influence on your decision to remain associated with us during this inquiry. However, a cancellation fee of ten per cent (10%) + Earned Fee + fees and taxes paid to the government will be applicable.
  3. The cancellation fee will not be applicable in the case of a change of service.


If you have any grievances or concerns related to the payment, you may contact us using the provided contact information on the website. We will review your concern and provide a response within 24 hours from the date of receipt.


You are further required to read, agree, and accept our Payment Policy before associating with us, entering into this Agreement, or engaging in business with us.


Please note that we may modify this Policy from time to time, effective upon thirty (30) calendar days’ notice to you. Such changes will also be made available on the Website/Mobile Application. After the notice period expires, you will be bound by the effective Payment Policy at that time.