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ANAND TRADERS, a company incorporated under the laws of India, having its registered office at Flat no. B-1, Upper Ground Floor, G-39/1, Vijay Vihar Phase-2, Delhi-110085, Delhi (India) offers various retail solutions, through its website, various online scientific products like telescopes, microscopes, magnifiers, DIY science kits, science models for students etc. The telescopes and their accessories sold on the aforesaid website are completely manufactured in INDIA by ANAND TRADERS. 

2. What is this Payments Policy?

2.1. This fees and payments policy, together with the terms of use describes ANAND TRADERS’s accepted payment methods, and ANAND TRADERS’s policies and procedures in relation to acceptance of payments towards the services offered through the Platforms. ANAND TRADERS’s primary object is to ensure that the Platforms are user friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by Users.

2.2. Users are required to peruse and understand the terms of this payments policy. If you do not agree to the terms contained in this policy, you are advised not to accept the Terms of Use in this payments policy and may forthwith leave and stop using the Platforms. The terms contained in this payments policy shall be accepted without modification and accordingly, you agree to be bound by the terms contained herein.

3. Fees and Payment Options

3.1. In order to ensure User convenience, AJIO offers multiple payment options to Users. AJIO, without prior notice to Users, reserves the right to add or delete payment options from the ones listed below:

  • 3.2.1. Payment through net banking facilities;

  • 3.2.2. Payment through select credit cards;

  • 3.2.3. Payment through select debit cards;.

  • 3.2.4. Payment through UPI like google pay, phone pay, paytm etc;

  • 3.2.5. Any other payment option as may be provided by ANAND TRADERS from time to time.

3.3. It is expressly clarified that accepting a User’s payment through the Payment Options is solely at ANAND TRADERS’s discretion. ANAND TRADERS reserves the right to reject payment from a User through the Payment Options for any reason whatsoever. In order to further validate a User’s transaction, ANAND TRADERS may request the User to submit a copy of the User’s photo identity proof (such as the User’s PAN card), failing which, ANAND TRADERS reserves the right to reject a User’s payment made through the Payment Options.

3.4. While using the Payment Options, Users agree to provide correct, complete and accurate financial information such as credit/debit card details or prepaid payment instrument account details which may be stored by ANAND TRADERS’s third party payment gateway provider. Users shall not use a credit/debit card or prepaid instrument which is not lawfully owned by him/her or which the User has not been lawfully authorised to use. The User shall solely be responsible for the security and confidentiality of his/her financial information. ANAND TRADERS disclaims all liabilities that may arise as a consequence of any unauthorised use of the User’s financial information and/or identity, including, details relating the Payment Options.

3.5. ANAND TRADERS shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to:

  • 3.5.1. a lack of authorisation for any transaction, including such transactions carried out on gift cards and vouchers issued to Users as a part of ANAND TRADERS’s promotions;

  • 3.5.2. the exceeding of the credit/debit limit mutually agreed between the User and the issuing bank;

  • 3.5.3. any payment issue arising out of technical glitches occurring during a transaction; or

  • 3.5.4. a declination of transaction for reasons beyond ANAND TRADERS’s control.

3.6. ANAND TRADERS reserves the right to impose limits on the number of transactions a User may undertake over the Platforms. Should the User exceed such transaction limits imposed by ANAND TRADERS, ANAND TRADERS reserves the right to refuse to process such transactions. ANAND TRADERS may refuse to process transactions emanating from Users who have suspicious or questionable transaction history on the Platforms. Should ANAND TRADERS be dissatisfied with the credibility of a User or the genuineness of a transaction carried out on the Platforms, ANAND TRADERS shall have the right to reject such transactions. ANAND TRADERS may also choose to delay the dispatch of Products purchased by such Users or cancel the entire purchase at its sole discretion. The User agrees that ANAND TRADERS shall not be liable for any damage, interests or claims resulting from ANAND TRADERS’s decision to not process a transaction or delay in the processing of a transaction on account of a User’s suspicious activity on the Platforms.

3.7. All the Products listed on the Platform are including all applicable taxes. You will be responsible for payment of all fees/costs/charges associated with the purchase of Products from us and you agree to bear any and all applicable taxes including but not limited to VAT/CST, service tax, GST, duties and cesses etc. Despite ANAND TRADERS’s best efforts, there may be instances of mispricing of Products on the Platforms during or after the process of purchase of Products has been carried out by the User. While thorough processes of verification are carried out prior to the publication of Product prices on the Platforms, errors and discrepancies arising out of technical glitches and time lags is unavoidable. For avoidance of doubt, ANAND TRADERS’s curative actions that will arise in the event of a price difference arising on the actual maximum retail price of a Product against the price published on the Platforms is set out below:

  • 3.7.1. If the maximum retail price of the Product delivered to the User is lower than the price published on the Platforms, the User shall, within 24 (twenty four) hours from the time when he/she received the Product, intimate ANAND TRADERS by calling 9716770246 or by writing to, in each case resulting in an acknowledgment. Upon ANAND TRADERS being satisfied of the User’s claim, the difference in the purchase price against the maximum retail price shall be refunded into the User’s ANAND TRADERS Wallet or transferred into the User’s bank account within 1 (one) day from the date of receiving the written notice from the User.

  • 3.7.2. If the maximum retail price of the Product listed on the Platforms is higher than what has been published and if ANAND TRADERS is not providing an offer or discount on such Products, ANAND TRADERS shall have the right to reserve the despatch of the purchased Products until the error on the Platforms have been rectified and the User pays the difference amount. If the User refuses to pay the difference, the User is entitled to seek a cancellation and the monies paid by the User shall be refunded into the User’s ANAND TRADERS Wallet or transferred into the User’s bank account within 7 (seven) days by ANAND TRADERS.

  • 3.7.3. In order to process such refunds, the User will be required to send an email to ANAND TRADERS at Thereafter, the User will receive a refund if the initial mode of payment for the order was ‘cash on delivery’. If the initial mode of payment for the order was through a Payment Option other than the ‘cash on delivery’ option, ANAND TRADERS may transfer the refund to the User’s source account that was used to make the initial payment.

3.8. To enable Users to make payments for buying Products on the Platforms, in addition to this Payments Policy, the terms and conditions of the User’s bank, applicable financial institution and/or card issuing association may be applicable. The User’s bank, financial institution or card issuing association may decline or prevent the User from making electronic payments for buying the Products on the Platforms and ANAND TRADERS does not control the same and hence, shall not be at any point in time held liable.

3.9. ANAND TRADERS may, from time to time contract with third party payment service providers including banks, to open nodal bank accounts under applicable Indian laws. This will be done to facilitate the payments between Users and other third parties, apart from ANAND TRADERS. These third parties may include other service providers including payment aggregators, prepaid instrument providers, courier and logistic service providers etc. Upon successful delivery of the Products purchased by you through the Platforms, ANAND TRADERS shall initiate payments to third party service providers.

3.10. If it is brought to the User’s notice that a charge has been created on his/her payment instrument(s) for purchase of Product(s) on the Platforms and the User is not aware of such purchase on the Platforms, the User is first, required to verify if his/her family members, friends or business colleagues were authorised to carry out the purchase of Product(s) on the Platforms. If, despite this, the User continues to be unable to identify the charge created on his/her payment instrument(s) for purchase of Product(s) on the Platforms, the User may report such unauthorised purchase to ANAND TRADERS within 30 (thirty) days from the date on which the unauthorised purchase was carried out on the Platforms in order to enable ANAND TRADERS initiate investigations.

4. Grievance Redressal

Any grievances relating to the Payments policy may be directed by you to the grievance officer of ANAND TRADERS who can be contacted at

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