Legal Owner (Proprietor): Shruti Narnolia
PAN & Bank: Shruti Narnolia
Legal Status: Sole Proprietorship
Brand Name: FitBodyMind24
Contact Information
Email: [fitbodyfitmind24@gmail.com]
Phone/WhatsApp: [9326129689]
Address: [Flat 901, Valentina Apartment
Lodha Paradise, VFVA Society
Thane – 400601]
FitBodyFitMind24 is a sole proprietorship owned and operated by Mrs. Shruti Narnolia. For any payment, refund, privacy, or transaction-related queries, kindly contact us.
Last Updated: 15 – 12 – 2025
Online Payment & Refund Policy
1. Introduction
FitBodyFitMind24 (“Company”, “We”, “Us”) operates wellness-related online/offline services and products.
This policy explains how payments are securely processed and how customer data is protected in alignment with the Reserve Bank of India (RBI) guidelines and applicable Indian laws.
2. Accepted Payment Methods
We accept online payments through:
Credit Cards / Debit Cards
Net Banking
UPI (Unified Payments Interface)
Wallets
Any other RBI-authorised payment system
All transactions are routed through RBI-authorised, PCI-DSS compliant payment gateways.
Secure Payment Processing (RBI Mandated)
FitBodyFitMind24 does not store card details, CVV, passwords, UPI PINs, or OTPs.
All payments are encrypted using industry-grade security as required by RBI and international standards.
Sensitive information is handled only by our certified payment gateway partners.
4. RBI Card Tokenisation Compliance
As per RBI’s card-on-file tokenisation guidelines:
We do not store full card numbers.
Saved cards are converted into secure tokens by the payment gateway.
Customers can delete or manage tokens anytime through the gateway interface.
5. Multi-Factor Authentication (RBI 2FA Rule)
All card and UPI transactions require compulsory two-step verification:
OTP-based verification (2FA)
UPI PIN authorisation
Bank-level secure authentication
This ensures each transaction is authorised directly by the customer
6. Payment Confirmation
After a successful transaction, an instant email/SMS receipt is sent.
If a payment is deducted but not updated in our system, reach out to us and we will coordinate with the payment gateway.
7. Failed or Pending Transactions
In case your account is debited but the transaction fails:
The amount is usually refunded automatically by your bank within 5–7 working days.
Processing timelines depend entirely on your bank and payment provider.
8. Refund Policy
Refunds, where applicable as per our business policy, follow this process:
Once approved by FitBodyFitMind24, refunds are initiated within 3–7 working days.
The credited amount may take 7–10 business days to reflect in your bank account.
(If you want, I can also write a separate, more detailed refund/cancellation policy.)
9. Chargebacks & Disputes
For unauthorised transactions, customers may raise a dispute with their issuing bank.
We fully cooperate with banks and payment aggregators to support chargeback investigations as per RBI norms.
10. Policy Updates
FitBodyFitMind24 may update this policy to align with revised RBI guidelines or security requirements. Updated versions will be posted on this website.
