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Payment & Security Statement.


Service Usage and Transactional Information

All the Payments are Made at our Website are HTTPS Secured Transactions. Customers will redirect to the secured platform payment gateway/links provided.

Payments Secured By 128 Bit SSL, Data is encrypted and protected on Citrus' Servers to Secure you against unauthorized transactions made via Payumoney or Instamojo. Smiley face

This website www.swapnainfotech.com is operated by Swapna Infotech. The policy is issued by SICS. By placing an order on this site you are entering into a purchase/sale transaction with Swapna Infotech

For enabling you to make payments using our Services, we may, upon your consent, store your financial information such as your bank account or details mentioned on your credit cards or debit cards, or other payment instrument details etc. that are required for a successful transaction. Further, for certain Services, including our bill payment service, we require your bill payment account information such as your account number, payment history, your account history with us etc. We also store transaction details such as amount spent, merchant name, transaction ID, date and time of transaction, of our e-commerce transactions. We should clarify that all information stored by us is in accordance with our PCI DSS Certification.

One Time Password (OTP) : OTP is a one-time password which is provided by your issuing bank in order to carry out the second factor authentication of your debit/credit card. If you opt for our one tap feature, you understand that we will be able to retrieve your OTP from the message received on your mobile and populate and submit the OTP on the issuers banking page for second factor authentication of your debit/credit card.

Full payment will be credited back to your bank account within 5 to 10 working days. on the same and 100% of your payment will be credited back to your bank account.