RECURRING PAYMENT / STANDING INSTRUCTION POLICY

Last Updated: 17 September 2026

This Recurring Payment / Standing Instruction Policy explains how recurring payments and electronic mandates ("e-Mandates") operate for memberships, subscriptions and other recurring services offered by PharmaHopers Private Limited through https://www.pharmahopers.com.

1. Company Information

Legal Name: PharmaHopers Private Limited
Brand: PharmaHopers
Website: https://www.pharmahopers.com
Email: info@pharmahopers.com
Phone: +91 9041446655
Registered Office: 3rd Floor, Showroom NO. A-303, A-304, TOWN-A, AK Trade Center, Ambala Chandigarh Road, Mohali, SAS Nagar, Punjab, 140603, India.

2. Customer Authorisation

When you choose to activate a recurring payment, you expressly authorise PharmaHopers and its authorised payment service provider to initiate eligible recurring payments in accordance with the mandate authorised by you.

The recurring payment mandate will operate within the amount, frequency and validity parameters displayed and authorised during mandate registration.

3. Mandate Registration

During registration, the customer may be required to confirm:

• Customer name
• Registered mobile number
• Email address
• Payment instrument
• Recurring payment amount
• Maximum permitted mandate amount
• Payment frequency
• Mandate start date
• Mandate end date/validity period, where applicable
• Other information required by the payment provider

The applicable payment provider may require OTP, 3-D Secure, UPI authentication, bank authentication or another permitted authentication method.

4. Initial Authentication

The initial transaction and mandate registration will be completed through the applicable payment-provider authentication process.

The customer should carefully review the displayed:

• Merchant name
• Subscription/service
• Amount
• Maximum mandate amount
• Frequency
• Validity period
• Other applicable mandate details

before completing authorisation.

5. Recurring Charges

After successful registration, eligible recurring payments may be initiated according to the authorised schedule.

PharmaHopers will initiate recurring payments only within the scope of the applicable authorised mandate.

Additional authentication may be required where mandated by applicable RBI, bank, card-network or payment-provider requirements.

HDFC Bank's current published information states that recurring transactions above ₹15,000 for general categories require additional authentication, while specified categories such as insurance, mutual funds and credit-card repayment have a ₹1 lakh threshold.

6. Pre-Debit Notification

Where applicable under RBI/payment-system requirements, the customer will receive a pre-debit notification before the scheduled recurring payment.

The notification may include:

• Merchant name
• Amount
• Scheduled debit date
• Mandate/reference information
• Facility/link for managing the upcoming payment or mandate

HDFC Bank states that applicable customers receive pre-debit notifications and that the notification can provide access to a facility for viewing, modifying or cancelling the payment/mandate.

7. Mandate Amount

The recurring payment amount will be subject to the amount authorised in the mandate.

PharmaHopers will not intentionally initiate recurring charges exceeding the applicable authorised mandate limit.

Where a change in price cannot be processed under the existing mandate, the customer will be required to complete the applicable authorisation process before the revised amount is charged.

8. Payment Frequency

Depending on the service selected, recurring payments may be scheduled on a:

• Monthly
• Quarterly
• Half-yearly
• Annual
• Other permitted basis

The applicable frequency will be clearly displayed during subscription and mandate registration.

9. Mandate Validity

The mandate will remain valid for the period authorised during registration or until it:

• Expires
• Is cancelled/revoked
• Is terminated
• Becomes invalid
• Is otherwise affected under applicable bank/payment-provider rules

10. Cancellation / Revocation

Customers may cancel or revoke a recurring payment mandate through:

• The PharmaHopers account/subscription facility, where available
• PharmaHopers customer support
• The applicable bank/payment-provider mandate-management facility

HDFC Bank currently provides a Merchant Mandate portal allowing customers to view, modify and cancel e-Mandates and to view/approve/stop upcoming recurring payments.

Customers should submit cancellation requests sufficiently before the next scheduled debit to allow the request to be processed.

11. Cancellation Does Not Automatically Mean Refund

Cancellation or revocation of a recurring payment mandate stops future eligible recurring payments.

It does not automatically result in a refund of amounts already successfully debited.

Refund eligibility is governed by the PharmaHopers Refund & Cancellation Policy.

12. Failed Recurring Payment

A recurring payment may fail due to:

• Insufficient funds
• Expired or blocked payment instrument
• Cancelled/revoked mandate
• Bank decline
• Payment gateway failure
• Network failure
• Incorrect payment details
• Risk or security controls
• Other reasons beyond PharmaHopers' reasonable control

Where appropriate, PharmaHopers may notify the customer and provide an alternative payment method.

13. Card Renewal / Replacement

If a payment card is renewed, replaced, reissued, upgraded or otherwise changed, the existing mandate may require updating or re-registration depending on the applicable bank, card network and payment-provider process.

HDFC Bank states that an e-Mandate registered on an old card does not automatically transfer to a replacement/renewed/upgraded card and that customers may need to update their card details on the merchant website.

14. Customer Responsibility

The customer is responsible for:

• Reviewing mandate details before authorisation
• Providing accurate information
• Maintaining a valid payment instrument
• Maintaining sufficient funds/credit availability
• Monitoring payment notifications
• Informing PharmaHopers of suspected unauthorised transactions
• Cancelling the subscription/mandate when the service is no longer required

15. Unauthorised Transactions

If you believe that a recurring payment has been processed without your authorisation or outside the terms of your mandate, contact PharmaHopers immediately.

Email: info@pharmahopers.com
Phone: +91 9041446655

We will investigate the transaction and coordinate with the relevant payment provider where required.

Customers should also promptly notify their bank/payment provider where appropriate.

16. Payment Security

PharmaHopers uses authorised payment service providers for payment processing.

PharmaHopers will not ask customers to disclose:

• OTP
• CVV
• ATM/debit-card PIN
• Internet-banking password
• UPI PIN
• Other confidential authentication credentials

to our customer-support personnel.

Customers should never share these credentials with anyone claiming to represent PharmaHopers.

17. Payment Tokenisation

Where applicable, payment credentials may be tokenised by the relevant payment provider, card network or bank.

PharmaHopers may receive a token, mandate reference or transaction identifier instead of the customer's complete payment credentials.

18. Subscription Price Changes

Where the price of a recurring service changes, PharmaHopers will communicate the revised pricing before the revised amount becomes applicable.

Where fresh customer authorisation is required, the customer will be asked to complete the applicable authorisation process.

19. Regulatory Compliance

The recurring payment facility is intended to operate in accordance with applicable:

• Reserve Bank of India requirements
• NPCI requirements, where applicable
• Card-network rules
• Acquiring-bank requirements
• Issuing-bank requirements
• Payment-gateway requirements
• Applicable Indian laws and regulations

The processing of any individual transaction remains subject to the technical and regulatory requirements of the applicable payment ecosystem.

20. Service Suspension

Where a recurring payment remains unsuccessful or outstanding, PharmaHopers may suspend the associated service after providing appropriate notice, subject to applicable law and the terms of the relevant service.

21. Customer Support

For recurring-payment or mandate-related queries:

PharmaHopers Private Limited
Email: info@pharmahopers.com
Phone: +91 9041446655
Registered Office: 3rd Floor, Showroom NO. A-303, A-304, TOWN-A, AK Trade Center, Ambala Chandigarh Road, Mohali, SAS Nagar, Punjab, 140603, India.

22. Acceptance

By selecting "Activate Recurring Payment", "Subscribe", "Enable Auto-Pay", "Create Mandate", "Pay & Subscribe" or an equivalent option, you confirm that:

• You have read and understood this Recurring Payment / Standing Instruction Policy
• You voluntarily authorise the recurring payment arrangement displayed during checkout
• You have reviewed the applicable amount, maximum mandate amount, frequency and validity
• You understand that applicable additional authentication may be required
• You understand how to cancel/revoke the mandate
• You agree to the applicable Terms & Conditions, Privacy Policy and Refund & Cancellation Policy