Payment Terms and Conditions for Zodiac Holidays (As per RBI Guidelines)

1. Payment Methods:
   Payments can be made through the following methods:

   • Debit Cards, Credit Cards, and Net Banking.
   • UPI/QR Code Payments.
   • International Payment Gateways (for foreign currency payments).
   • Demand Drafts or Bank Transfers.

2. Advance Payment:

   • An initial deposit (non-refundable) is required at the time of booking to confirm your reservation.
   • The deposit amount will vary based on the package type and travel dates.

3. Balance Payment:

   • The remaining balance must be paid before the specified due date, as outlined in the booking confirmation.
   • For international tours, payments should comply with RBI’s Liberalized Remittance Scheme (LRS).

4. Currency Conversion:

   • For international packages, currency conversion rates will apply as per the prevailing rate on the date of payment.
   • Any fluctuation in rates or additional charges due to conversion will be borne by the customer.

5. Tax Compliance:

   • GST and TCS (Tax Collected at Source) will be charged as per Government regulations.
   • Customers traveling internationally are required to provide their PAN (Permanent Account Number) for TCS compliance.

6. Cancellations and Refunds:

   • Refunds for cancellations will be processed as per the cancellation policy outlined at the time of booking.
   • Any refunds due will be credited to the original payment method within 7-10 business days.
   • Foreign currency payments will be refunded in INR as per RBI guidelines.

7. Dispute Resolution:

   • Any payment disputes must be resolved in accordance with RBI’s Ombudsman Scheme or the applicable arbitration process.

8. Foreign Exchange Limits:

   • International travelers are advised to adhere to the maximum permissible foreign exchange limit under RBI’s FEMA (Foreign Exchange Management Act).

9. Travel Insurance:

   • Customers are encouraged to purchase travel insurance, as required for certain international tours, to ensure compliance with RBI mandates.

10. Customer Responsibility:

• Customers must ensure payments are made through legitimate channels and comply with RBI guidelines for overseas remittances and domestic transactions.

For further information or assistance with payments, please contact Zodiac Holidays at [Customer Support Email/Phone Number].