1. Introduction

This Payment Policy outlines the terms for payment processing, fees, security, and refunds for services offered by Tr Mobile CARE, a telemedicine platform by ThinkRoman Health Services. By making a payment on https://2nd.thinkroman.com, you agree to these terms.

2. Payment Methods

We accept payments through:

• ✅ UPI (Unified Payments Interface)
• ✅ Credit/Debit Cards (Visa, Mastercard, RuPay, etc.)
• ✅ Net Banking
• ✅ Digital Wallets (PhonePe, Paytm, Google Pay, etc.)

All payments are processed securely through an RBI-compliant payment gateway.

3. Payment Processing & Security

• We use end-to-end encryption and PCI-DSS-compliant payment gateways.
• Tr 2nd Opinion does not store credit/debit card details.
• Users are responsible for ensuring accurate payment details during transactions.

4. Consultation Fees

• All consultation fees are displayed before payment.
• The fee varies based on the doctor’s specialization and experience.
• Charges may be updated without prior notice for future consultations.

5. Refund & Cancellation Policy

We follow a strict refund policy due to the nature of telemedicine services.

5.1 Full Refund Eligibility

A full refund is issued if:

• ✅ The doctor is unavailable for the scheduled consultation.
• ✅ There is a technical failure preventing the consultation.
• ✅ Payment is deducted, but the consultation is not scheduled.

5.2 Partial Refund Eligibility

A partial refund (up to 50% of the consultation fee) is applicable if:

• ⚠️ The session starts but is disrupted due to technical issues.
• ⚠️ The consultation is ended early due to platform-related errors.

5.3 No Refund Policy

🚫 No refund will be provided if:

• The patient fails to join the session (No-Show).
• The consultation is completed, and a doctor has provided medical advice.
• The patient is dissatisfied with the consultation outcome (medical judgment).

6. No-Show Policy

• If a patient does not join within 10 minutes of the scheduled time, the session is marked as No-Show, and no refund is provided.
• Doctors will wait for 10 minutes before marking a patient as a No-Show.

7. Chargeback & Dispute Resolution

• In case of unauthorized payments or disputes, contact us at contact@thinkroman.com within 48 hours of the transaction.
• We will investigate and respond within 7 business days.
• If necessary, users can raise disputes with their bank or payment provider.

8. Taxes & Additional Charges

• Consultation fees are inclusive of GST (if applicable).
• Any bank charges or service fees imposed by payment providers are the user’s responsibility.

9. Payment Confirmation

• Upon successful payment, users receive a confirmation email and SMS/WhatsApp notification.
• In case of delays, users should check their bank statements before reaching out.

10. Fraud Prevention & Compliance

• Tr 2nd Opinion follows RBI regulations on payment security and KYC compliance.
• Suspicious transactions may be flagged, leading to temporary or permanent account suspension.

11. Grievance Redressal & Contact

For payment-related queries, contact:

📧 Email: contact@thinkroman.com

📍 Jurisdiction: Hyderabad, Telangana, India

12. Governing Law & Dispute Resolution

This policy is governed by Indian law, and any disputes shall be settled in the courts of Hyderabad, Telangana.

13. Updates to This Policy

We may update this policy from time to time. Continued use of the service implies acceptance of any changes.