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Payments Policy

Effective Date: June 1st, 2025

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At Sumvaad, we offer paid services and features that help businesses grow, network, and access expert advice. This Payment Policy outlines the terms for payments, cancellations and refunds.

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Table of Contents -

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  1. Paid Services at Sumvaad​

    • Sumvaad Bazaar Subscriptions​

    • FEATURED Program (Defunct)

    • Sumvaad Consulting Services

    • Become a Patron

  2. Payment Methods

  3. Data Collection for Bookings

  4. Payment Failures

  5. Cancellation & Refund Policy

    • Sumvaad Bazaar Subscriptions​

    • Sumvaad Consulting Services

  6. Payment Support

1. Paid Services at Sumvaad

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1.1 Sumvaad Bazaar Subscriptions


To participate in any Sumvaad Bazaar group, users must purchase an annual subscription pass specific to the Bazaar they want to access.

All Bazaar subscriptions are now priced uniformly at ₹799 for 12 months (per Bazaar).

If a user wishes to access multiple Bazaars, they must buy a separate annual subscription for each Bazaar.

These subscriptions are non-recurring, one-time payments.

Once the 12-month duration ends, access to that Bazaar automatically stops unless the user purchases a new pass. Each pass provides access only to the specific Bazaar purchased.

Note: These updated Bazaar subscriptions are not live yet; Tentative start date is 1st of November 2025.

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Note -

  • These are non-recurring, one-time payments.

  • Once the duration ends, access automatically stops unless a new pass is purchased.

  • Each pass gives access to the specific Bazaar.

  • If a user wish to access more than 1 Bazaar, they are requested to buy Subscription for that Bazaar.

1.2 Sumvaad Bazaar FEATURED Program

 

The FEATURED Program previously available under Sumvaad Bazaar has been discontinued and is no longer offered. Any references to the FEATURED Program in this policy are superseded by this discontinuation.

1.3 Sumvaad Consulting Services

 

Users can book one-on-one digital consulting calls. Current call types and fees:

  • Screening Call – ₹199 (30 minutes)

  • Business Strategy Call – ₹1,000 (60 minutes)

  • Product Strategy Call – ₹2,000 (60 minutes)

Bookings must be made at least 24 hours in advance, subject to availability. Users can reschedule their Consulting Service Calls up to 4 hours in advance of the scheduled start time.

(To know more, please carefully read our Booking Policies, here.)

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Bookings must be made at least 24 hours in advance, subject to availability.

Users can reschedule their Consulting Service Calls 4 hours in advance of their start time.

1.4 Become a Patron (Support Sumvaad)

 

Sumvaad has launched a voluntary donation mechanism "Become a Patron" — to raise monetary support from users. Donations are voluntary contributions to Sumvaad (a for-profit, Udyam-registered enterprise). Current donation tiers:

  • Tier 1 — ₹100

  • Tier 2 — ₹500

  • Tier 3 — ₹1,000

 

Donations are voluntary and do not entitle the donor to any goods, services, preferential placement, or tax-deductible certificate (for example, Section 80G receipts).

Donations are processed via Cashfree Payments using the payment methods available on the platform.

Sumvaad will acknowledge each donation with a donation receipt/acknowledgement (see Payment Support for how to request a receipt).

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(This feature is a voluntary contribution to support Sumvaad’s operations. Tax treatment of donations and any receipts will follow applicable law; Sumvaad provides no tax-exemption certificates for these donations.)

2. Payment Methods

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All payments on Sumvaad are processed through Cashfree Payments using secure and approved payment instruments:

  • UPI (including GPay, PhonePe, Paytm, BHIM, WhatsApp, Cred Pay, Rupay Credit Card UPI)

  • Credit/Debit Cards (VISA, Mastercard, Rupay, Maestro)

  • Net Banking (All major banks supported)

  • Wallets (Airtel Money, Freecharge, Mobikwik, OlaMoney, JioMoney)

  • Credit Card EMI (RBL, Kotak, ICICI, Axis, AU Small Finance Bank, BoB)

  • Buy Now, Pay Later (Mobikwik PayLater)

 

Note: GST invoices are not issued at present. Non-GST invoices are available.

3. Data Collection for Bookings

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While booking any paid service, Sumvaad may collect the following business details for taxation and verification purposes:

  • Business Name

  • Business Owner Name

  • Business Phone & Email

  • Personal PAN or Business PAN (whichever Applicable)

  • Business ID (GSTIN / UDYAM / CIN)

4. Payment Failures

 

If a payment fails:

  • Wait at least 30 minutes before retrying.

  • If money is debited but the service is not activated, users should write to us or directly send an email at contact contact@sumvaad.co.in with transaction details.

 

Access to Bazaar or other features may take 2–4 hours to reflect due to technical issues.

5. Cancellation & Refund Policy

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5.1 Bazaar Subscriptions

  • Bazaar Subscriptions can be cancelled at any time.

  • Bazaar Subscriptions that are cancelled within 7 days of their purchase, are eligible for 100% refund.

  • Bazaar Subscriptions that are cancelled after 7 days from the date of purchase will not be eligible for any refund.

    • Though we will continue their access for the defined time period.

  • Refunds are processed within 10 working days from the day of cancellations.

  • Users who already received a refund once under the 7-day window will not be eligible for future subscription refunds.

5.2 Consulting Services

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  • Users can cancel their consulting services before the call start time.

  • All the Consulting Services that are cancelled before 1 hour of the start time, are eligible for a 100% refund.

  • All the Consulting Services that are cancelled within 1 hour of the start time, are eligible for a 50% refund.

  • Refunds are processed within 10 working days from the day of cancellations.

6. Contact for Payment Support

 

​If you come across any issue associated with your payment, feel free to 

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Response time: Within 5 business days

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