Terms & Conditions of Online Payment

• Exclusive Use by Members: The online payment facility is provided solely for the convenience of registered Members of The Tollygunge Club who are in good standing. By using this facility, Members acknowledge and agree to be bound by the terms and conditions set out herein.
• Payment Processing: All online payments are processed exclusively in Indian Rupees (INR) through authorised payment gateways. Payments may be made using credit cards, debit cards, net banking or any other payment modes made available by the Club from time to time. The applicable amount shall be debited directly from the Member's chosen payment instrument.
• Member Portal Login: Members accessing the payment facility through the Member Portal are solely responsible for maintaining the confidentiality of their login credentials, including usernames, passwords and one-time passwords (OTPs). The Member shall be responsible for all transactions carried out through their authenticated account.
• Quick Payment Facility (Without Login): For the convenience of Members, payments may also be made without logging into the Member Portal by entering a valid Membership Number. Upon entry of the Membership Number, the system shall retrieve and display the corresponding Member verification details. It is the responsibility of the person making the payment to verify that the displayed Member Name and other identifying details are correct before authorising the transaction. The Club shall not be responsible for payments credited to an incorrect Member account where the Membership Number has been entered incorrectly and the payer has proceeded after confirming the displayed Member details. Any request for correction shall be subject to verification by the Club and its records shall be final.
• Successful Payment Confirmation: A payment shall be deemed successful only upon generation of a successful transaction confirmation on the payment portal together with the applicable transaction reference number. A debit notification received from a bank or card issuer, by itself, shall not constitute confirmation of a successful payment.
• Posting of Payments: Subject to successful transaction confirmation, payments shall ordinarily be posted to the Member's Club Ledger immediately. In exceptional circumstances involving banking systems, payment gateways or network delays, the posting of payments may be delayed.
• Failed or Pending Transactions: Where a payment amount has been debited from the Member's bank account or card but no successful transaction confirmation has been generated, the transaction shall be treated as pending until confirmation is received from the payment gateway or the acquiring bank. Members are requested to report such instances promptly by emailing anirbanlahiri@tollygungeclub.org, together with the transaction reference, payment date and supporting proof of payment. Verified discrepancies shall ordinarily be resolved within five (5) working days, subject to receipt of complete transaction details.
• Network and Technical Interruptions: The Club shall not be liable for delays, failed transactions or temporary interruptions arising from internet connectivity issues, banking system failures, payment gateway downtime or any other circumstances beyond the reasonable control of the Club. All such transactions shall remain subject to verification by the Club's Accounts Department.

Communications & Invoicing

• Electronic Communications: By using the online payment facility, Members consent to receive electronic communications relating to their account, including payment confirmations, digital receipts, transactional emails and SMS notifications.
• Receipts and Tax Invoices: A digital payment receipt shall be generated upon successful completion of an online payment. Monthly Tax Invoices, including applicable Goods and Services Tax (GST) and other statutory levies, shall be generated upon closure of the monthly ledger and shall be available through the Member's account statement.

Privacy & Data Security

• Secure Processing: All online payments are processed through authorised payment gateways that comply with applicable PCI-DSS security standards. The Club neither stores nor has access to Members' credit card, debit card or net banking credentials.
• Member Information: Where the Quick Payment facility is utilised, only limited Member verification details shall be displayed in an appropriately masked format to safeguard Member privacy. The Club retains only such transaction records as are necessary for accounting, audit, statutory compliance and operational purposes.
• Confidentiality: The Club does not sell, rent or trade Member personal information with third parties. Member information shall be handled in accordance with applicable laws and the Club's internal privacy practices.

Permitted Use

• Permissible Transactions: The online payment facility is intended exclusively for the settlement of Monthly Club bills, Member ledger dues, Facility charges, and Other charges specifically approved by the Club. Membership admission fees, entrance fees, capital contributions or any other categories of payments expressly excluded by the Club shall not be accepted through this facility unless otherwise notified.
• Prohibited Transactions: The online payment facility shall not be used for any unlawful purpose, including payments connected with gambling, betting or any activity prohibited under applicable law.

Refund & Ledger Adjustment Policy

• Finality of Payments: Once an online payment has been successfully processed and credited to the Member's Club Ledger, it cannot ordinarily be cancelled or reversed through the online payment system.
• Overpayments and Duplicate Payments: Any verified overpayment, duplicate payment or billing adjustment shall ordinarily be credited to the Member's Club Ledger and adjusted against future dues. Refunds to the original payment source shall be considered only where required under applicable law or where, at the sole discretion of the Club, a ledger adjustment is not considered appropriate.
• Billing Discrepancies: Members identifying any discrepancy in their Club account are requested to contact the Accounts Department during published business hours, together with relevant supporting documents, for verification and appropriate resolution.
• Chargeback Requests: Members are requested to contact the Club's Accounts Department to resolve any payment-related issue before initiating a chargeback with their card issuer or financial institution. Where a chargeback is initiated, the Club reserves the right to withhold the disputed ledger credit until completion of the investigation and final determination of the matter.

Cancellation Policy

• Cancellation of Payments: Payments successfully processed through the online payment facility cannot ordinarily be cancelled. In the event of an erroneous payment, Members should immediately notify the Accounts Department by email at anirbanlahiri@tollygungeclub.org or visit the Accounts Office with the relevant transaction details. Any correction shall be subject to verification and approval by the Club.

Pricing & Billing

• Internal Credit Ledger: The Tollygunge Club operates a Member credit ledger system. Charges incurred in respect of food and beverage outlets, accommodation, sports facilities, banquets, subscriptions and other authorised Club services are posted directly to the Member's ledger account. Accordingly, the Club does not operate an online retail store, and retail pricing catalogues are not applicable to this payment facility.

Limitation of Liability

• Limitation of Liability: To the maximum extent permitted under applicable law, the Club shall not be liable for any indirect, incidental or consequential loss arising from payment gateway failures, banking system interruptions, declined transactions, exceeded banking limits, internet disruptions or any other event beyond the reasonable control of the Club. Nothing contained herein shall limit any liability that cannot lawfully be excluded under applicable law.

Force Majeure

• Force Majeure: The Club shall not be responsible for any delay or failure in processing payments arising from circumstances beyond its reasonable control, including but not limited to natural disasters, acts of Government, banking system failures, payment gateway interruptions, internet outages, power failures or other force majeure events.

Amendments

• Changes to this Policy: The Club reserves the right to amend, modify or update this Payment, Refund & Cancellation Policy at any time. Any revised version shall become effective upon publication on the Club's official website or Member Portal unless otherwise notified. Continued use of the online payment facility shall constitute acceptance of the revised policy.

Contact Information

• Contact Information: For assistance regarding online payments, billing queries, ledger confirmations or payment discrepancies, Members may contact the Accounts Department, The Tollygunge Club, Kolkata – 700033 via Email at anirbanlahiri@tollygungeclub.org. Members are requested to quote their Membership Number and transaction reference in all correspondence to facilitate prompt assistance.