The Terms and Conditions contained(Online Payment) herein shall apply to any person (“User”) using the services of www.rayhancollege.com for making payments through an online payment gateway service (“Service”) offered by Rayhan College of Optometry & Health Science in association with concerned Bank and HDFC (“Payment Service Providers”) through Rayhan College of Optometry & Health Science website i.e. www.rayhancollege.com Each User is therefore deemed to have read and accepted these Terms and Conditions.

General Terms and Conditions For E-Payment

Rayhan College of Optometry & Health Science rights, obligations, undertakings shall be subject to the laws in force in India, as well as any directives/ procedures of Government of India, and nothing contained in these Terms and Conditions shall be in derogation of Rayhan College’s right to comply with any law enforcement agencies request or requirements relating to any User’s use of the website or information provided to or gathered by Rayhan College of Optometry & Health Science with respect to such use

• Each User accepts and agrees that the provision of details of his/ her use of the Website to regulators or police or to any other third party in order to resolve disputes or complaints which relate to the Website shall be at the absolute discretion of Rayhan College of Optometry & Health Science .
• If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall continue in effect.
• These Terms and Conditions constitute the entire agreement between the User and Rayhan College of Optometry & Health Science . These Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the User and Rayhan College of Optometry & Health Science . A printed version of these Terms and Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
• The entries in the books of Rayhan College of Optometry & Health Science and/or the Payment Service Providers kept in the ordinary course of business of Rayhan College of Optometry & Health Science and/or the Payment Service Providers with regard to transactions covered under these Terms and Conditions and matters therein appearing shall be binding on the User and shall be conclusive proof of the genuineness and accuracy of the transaction.
• Refund for Charge Back Transaction In the event there is any claim for/ of charge back by the User for any reason whatsoever, such User shall immediately approach Rayhan College of Optometry & Health Science with his/ her claim details and claim refund from Rayhan College of Optometry & Health Science Such refund (if any) shall be effected only by Rayhan College of Optometry & Health Science via payment gateway or by means of a demand draft or such other means as Rayhan College of Optometry & Health Science deems appropriate. No claims for refund/ charge back shall be made by any User to the Payment Service Provider(s) and in the event such claim is made it shall not be entertained.
• In these Terms and Conditions, the term “Charge Back” shall mean, approved and settled credit card or net banking purchase transaction(s) which are at any time refused, debited or charged back to merchant account (and shall also include similar debits to Payment Service Provider’s accounts, if any) by the acquiring bank or credit card company for any reason whatsoever, together with the bank fees, penalties and other charges if any incidental thereto.
• Refund for fraudulent/duplicate transaction(s): The User shall directly contact Rayhan College of Optometry & Health Science for any fraudulent transaction(s) on account of misuse of Card/ Bank details by a fraudulent individual/party and such issues shall be suitably addressed by Rayhan College of Optometry & Health Science & Bank in line with their policies and rules.
• Server Slow Down/Session Timeout: In case the Website or Payment Service Provider’s webpage, that is linked to the Website, is experiencing any server related issues like ‘slow down’ or ‘failure’ or ‘session timeout’, the User shall, before initiating the second payment,, check whether his/her Bank Account has been debited or not and accordingly resorts to one of the following options:
• In case the Bank Account appears to be debited, ensure that he/ she does not make the payment twice and immediately thereafter contact Rayhan College of Optometry & Health Science via e-mail or any other mode of contact as provided by Rayhan College of Optometry & Health Science to confirm payment.
• However, the User agrees that under no circumstances the Payment Gateway Service Provider shall be held responsible for such fraudulent/duplicate transactions and hence no claims should be raised to Payment Gateway Service Provider. Any communication received by the Payment Service Provider(s) in this regard shall not be entertained by the Payment Service Provider(s).

Limitation of Liability

Rayhan College of Optometry & Health Science has made this Service available to the User as a matter of convenience. Rayhan College of Optometry & Health Science expressly disclaims any claim or liability arising out of the provision of this Service. The User agrees and acknowledges that he/ she shall be solely responsible for his/ her conduct and that Rayhan College of Optometry & Health Science reserves the right to terminate the rights to use of the Service immediately without giving any prior notice thereof.

• Rayhan College of Optometry & Health Science has made this Service available to the User as a matter of convenience. Rayhan College of Optometry & Health Science expressly disclaims any claim or liability arising out of the provision of this Service. The User agrees and acknowledges that he/ she shall be solely responsible for his/ her conduct and that Rayhan College of Optometry & Health Science reserves the right to terminate the rights to use of the Service immediately without giving any prior notice thereof.
• Rayhan College of Optometry & Health Science and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the Rayhan College of Optometry & Health Science and/or the Payment Service Providers, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Services.
• Rayhan College of Optometry & Health Science and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of:

1.The delay, failure, interruption, or corruption of any data or other information transmitted in connection                    with use of the Payment Gateway or Services in connection thereto; and/ or

          2. Any interruption or errors in the operation of the Payment Gateway. The User shall indemnify and hold                     harmless the Payment Service Provider(s) and Rayhan College of Optometry & Health Science and their                        respective officers, directors, agents, and employees, from any claim or demand, or actions arising out of or                  in connection with the utilization of the Services.

The User agrees that Rayhan College of Optometry & Health Science or any of its employees will not be held liable by the User for any loss or damages arising from your use of, or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond Rayhan College’s reasonable control.

Debit/Credit Card, Bank Account Details

The User agrees that the debit/credit card details provided by him/ her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details.

• The User may make his/ her payment (any type of school fee) to Rayhan College of Optometry & Health Science by using a debit/credit card or through online banking account
• The User warrants, agrees and confirms that when he/ she initiates a payment transaction and/or issues an online payment instruction and provides his/ her card / bank details:
• The User is fully and lawfully entitled to use such credit / debit card, bank account for such transactions.
• The User is responsible to ensure that the card/ bank account details provided by him/ her are accurate.
• The User is authorizing debit of the nominated card/ bank account for the payment of any type of school fee.
• The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

Personal Information

The User agrees that, to the extent required or permitted by law, Rayhan College of Optometry & Health Science and/ or the Payment Service Provider(s) may also collect, use and disclose personal information in connection with security related or law enforcement investigations or in the course of cooperating with authorities or complying with legal requirements.

• The User agrees that any communication sent by the User vide e-mail, shall imply release of information therein/ therewith to Rayhan College of Optometry & Health Science . The User agrees to be contacted via e-mail on such mails initiated by him/her.
• In addition to the information already in the possession of Rayhan College of Optometry & Health Science and/ or the Payment Service Provider(s), Rayhan College of Optometry & Health Science may have collected similar information from the User in the past. By entering the Website the User consents to the terms of Rayhan College’s information privacy policy and to our continued use of previously collected information. By submitting the User’s personal information to us, the User will be treated as having given his/her permission for the processing of the User’s personal data as set out herein.
• The User acknowledges and agrees that his/ her information will be managed in accordance with the laws for the time in force