Payment Policy

This Payment Policy (the "Payment Policy" or "Policy") governs all financial transactions, recurring subscriptions, and hardware purchases conducted through IdentiQ (referred to herein as the "Company", "we", "us", or "our") via our website (https://identiq.in) and associated digital applications.

By initiating a transaction, executing an order, or subscribing to any tier of our dynamic digital profile services, you (the "Customer" or "User") expressly agree to be bound by the terms and conditions set forth in this Policy. If you are entering into this agreement on behalf of a legal entity, you represent and warrant that you possess the necessary authority to bind such entity.

All payments processed for digital service plans (STARTER, PRO, ENTERPRISE, and REALTOR) and physical Near Field Communication (NFC) cards are executed securely through our designated third-party payment processors.

The Company accepts the following payment modalities, subject to processor availability and regional regulations:

You represent and warrant that the billing details provided are accurate, that you are legally authorized to utilize the designated payment instrument, and that you will maintain sufficient credit or funds to clear all due balances.

By enrolling in a monthly or annual paid plan, you grant the Company and our payment processors explicit authorization to initiate recurring automatic charges on your designated payment method at the beginning of each billing cycle.

• Monthly Subscriptions: Billed recurringly every thirty (30) days from the initial enrollment date.
• Annual Subscriptions: Billed recurringly every three hundred sixty-five (365) days. Enrollment in annual cycles constitutes a continuous commitment in exchange for discounted pricing.
• Service Upgrades: Immediate upgrades to a higher tier will result in a prorated charge reflecting the difference in tier rates for the remainder of the current cycle.

Automatic renewals will continue indefinitely until you formally terminate the subscription via your Account Dashboard or by submitting a cancellation request in accordance with our Cancellation Policy.

If a recurring subscription transaction fails due to card expiration, insufficient funds, network issues, or bank rejection, it shall constitute a payment default.

Upon default, our payment processors will automatically retry the charge up to three (3) times over a maximum grace period of seven (7) calendar days. During this grace period, your access to premium platform utilities will remain temporarily active. If payment is not successfully cleared before the expiration of the 7-day grace period, we reserve the right to downgrade your account to the FREE tier without further notice, resulting in the immediate suspension of custom domains, lead captures, and verification badges.

The Company implements strict security measures to protect payment information:

All payment transactions are encrypted using Transport Layer Security (TLS) and processed through secure checkout interfaces hosted by PCI-DSS Level 1 compliant service providers. The Company does not store, process, or transmit raw credit card credentials, CVVs, or card PINs on our servers.

Prices listed on the website represent the base rate for services and hardware. Applicable regional taxes, including but not limited to Goods and Services Tax (GST), Value Added Tax (VAT), and state sales taxes, will be calculated and appended at the checkout interface based on the billing address provided.

The Company reserves the right to modify service subscription rates at any time. Any changes in subscription pricing will be communicated to you via email or dashboard notification at least thirty (30) days prior to taking effect. Your continued use of the service after a rate adjustment constitutes acceptance of the new billing rates.

You agree to contact our billing support prior to initiating any formal chargeback, dispute, or reversal request through your financial institution. Initiating an unauthorized chargeback constitutes a breach of this agreement and may result in the immediate and permanent termination of your account, deletion of your digital business cards, and referral of the outstanding balance to collections.

This Payment Policy and all actions arising hereunder shall be governed by, interpreted under, and construed in accordance with the laws of India, without regard to conflicts of law provisions. Any dispute arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts in Kolkata, West Bengal, India.

All official inquiries, invoice requests, and notices regarding payment default or billing disputes must be sent to the Company at: