Payment & Settlement Terms

Effective Date: April 13, 2026

Platform: AbilGulal (Operated by Shweta Technologies LLP)

This comprehensive Payment Terms document establishes the precise financial obligations, strict transactional architectures, and exhaustive monetary frameworks structurally governing all explicit fund transfers across the AbilGulal platform ecosystem. These systemic regulations fundamentally bind both our consumer Users (creating bookings) and our independent Service Vendors (receiving settlements).

1. Advance Financial Booking Protocols

To strictly prevent fraudulent algorithmic inquiries, mathematically secure profound calendar commitments from deeply sought-after verified Pandits, and procedurally ensure seamless theological execution, AbilGulal categorically mandates explicit upfront financial mechanisms for all bookings:

• 100% Upfront Institutional Escrow: Certain highly complex, mathematically extensive, or resource-heavy theological services definitively require an uncompromising 100% full structural upfront payment explicitly cleared through our integrated cryptographic payment gateway securely at the exact time of initial checkout confirmation. This ensures extreme vendor accountability.
• Partial Structural Token Advances (If categorically applicable): For explicitly designated hyper-local specific services, the systematic platform algorithmic engine may optionally allow a fractional token advance structurally processed online, with the remaining fractional balance mathematically designated fundamentally as "Cash Given To Pandit On-Site" (Cash on Delivery). Failure to decisively physically pay this remaining structural balance upon strictly successful theological completion formally constitutes actionable financial fraud severely violating our Terms.

2. AbilGulal Closed-Loop Wallet Infrastructure

We maintain an actively secured, heavily encrypted internal financial wallet ledger to structurally facilitate highly accelerated transactional checkout velocity, mathematically manage partial logistical refunds entirely seamlessly, and algorithmically distribute robust promotional cashback frameworks:

• Utility Constraints: Accumulated internal wallet monetary balances are strictly algorithmically confined unequivocally for exclusive utilization acquiring specialized platform services, definitive spiritual consultations, or explicit E-Puja retail products categorically strictly within the internal AbilGulal digital marketplace ecosystem.
• Non-Fungible Limitations: Algorithmic promotional wallet credits, distinct referral referral-bonuses, and specifically generated systemic campaign cashback are vehemently non-transferable structurally to any external systemic bank ledgers and hold zero intrinsic fiat currency value mathematically off-platform.
• Dormancy Decay: Unless categorically mandated otherwise by supreme regulatory decree, explicitly injected promotional structural wallet credits will automatically mathematically decay and fundamentally unconditionally expire completely if your distinct user account remains entirely transactionally dormant strictly exceeding a continuous temporal block of fully 365 days.

3. Gateway Architectural Processing & Card Security

All systematic explicit payments formally transacted structurally via AbilGulal are routed exhaustively efficiently through institutional Grade-A, mathematically PCI-DSS structurally compliant third-party payment settlement gateways (predominantly relying mathematically on Razorpay architecture or equivalent institutional infrastructural APIs).

• Zero Local Storage: We mathematically completely do not physically store, structurally retain, or dynamically log any exact sensitive raw debit CVVs, fundamental credit card pan numbers, or raw Net Banking encrypted password strings on any of our own internal database clusters.
• Chargeback Fraud Defense: Any systematically unwarranted, mathematically malicious, or deeply fraudulent infrastructural architectural credit-card specific chargeback fundamentally initiated deliberately after a service has been unequivocally physically executed will logically trigger violent structural legal escalation proceedings. We actively share structural GPS timestamp telemetry, profound mathematical transaction ledgers, and Pandit testimonial evidence fundamentally with respective centralized bank fraud algorithms to combat systematic unauthorized chargeback extortion deeply.

4. Vendor (Pandit) Settlement Mathematical Framework

• Automated Split Routing: For structurally transparent operations, explicitly captured user payments undergo rapid mathematical algorithmic splitting deeply via banking structural APIs. AbilGulal deducts its distinct formalized structural commission unequivocally prior to forwarding the residual mathematical majority fundamentally to the explicitly assigned Pandit's deeply verified institutional KYC bank account.
• TDS/Tax Architecture: Any structural fundamental remittances algorithmically sent structurally to our associated vendors categorically undergo mandated formal foundational tax-deducted-at-source (TDS) structural evaluations mathematically prescribed precisely by active prevalent deep Government of India taxation laws.

5. Dispute Resolution Timelines

If any infrastructural internet connectivity mathematical failure generates an exact duplicate transactional debit fundamentally without categorically confirming the actual systematic platform booking:

Auto-Reconciliation: Our foundational API sweeping algorithms actively structurally reconcile these fundamental orphaned transactions every midnight mathematically, automatically initiating foundational structural banking reversal protocols back distinct to your explicit originating source account system dynamically commonly strictly within 4 to 7 severe banking operational business days.