Welcome to nithyarangarajan.com. By using our services, you agree to the following terms and conditions:

Payments: All purchases can be made via Razorpay. EMI options are offered via Razorpay partner banks/NBFCs.

EMI Disclaimer: EMI is at the sole discretion of the issuing bank. Interest charges are non-refundable.

Refunds & Cancellations: Refunds for EMI purchases follow Razorpay and the bank’s guidelines. If a refund is initiated, EMI interest may not be reversed by the bank.

Privacy: All personal data collected during checkout is secure and used only for payment and communication purposes.

Governing Law: This agreement is governed by Indian laws.

For any questions, email us at: connect@nithyarangarajan.com