We have made best efforts to keep our transactions simple, efficient and hassle-free for the benefit of vClusive Members, our lawyers have insisted on including the following policies from a legal and regulatory standpoint. We have strived to keep these policies all encompassing and as simple as possible. We request you to review these policies and let us know if we have missed out on something or if further information is required in some sections, do write back to us at support@vclusive.com and we will be happy to review and incorporate the same for our mutual benefit.

PAYMENT METHOD

vClusive’s propietary payment gateway vPay accepts the following form of payment: Debit and Credit Cards, Netbanking, UPI and multiple Wallets.

For vPay, the security of online purchases is fundamental. All transactions are performed through secure payment systems. Confidential payment details are transmitted directly in encrypted format (SSL) to the entity. In addition, vPay is also PCI-DSS Certified.

We have GeoTrust SSL certificates and the safety certificates for online transactions: Verified by VISA and MasterCard SecureCode.

vPay uses the 3D Secure payment gateway for card payments and the PayU payment gateway for netbanking. These are industry-standard secure payment methods so that we can ensure that all your online transactions at vClusive are processed in an extremely secure environment.

When will you be charged?

When you place an order, your credit or debit card is charged for the entire amount immediately, along with applicable shipping and tax rates.

vPay and its trusted online payment partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team:

1. When our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents.
2. The ID documents help us ensure that the purchases were indeed made by a genuine card holder.
3. The 3D Secure password is an additional password that you’ll be asked to enter after entering your card details on the payment page. You’ll be redirected to your individual bank’s page where you'll have to enter the Verified by Visa password for Visa cards or SecureCode password for MasterCard cards. Your card-issuing bank will give this password to you and you should have this password prior to shopping on vClusive.

Note: 3-D secure password has been made mandatory by the Reserve Bank of India to ensure safer online shopping. This will add an additional layer of security and thus, prevent misuse of a lost or stolen card, as the user will be unable to proceed unless they enter the password associated with your card, created by yourself and known only to you.

vPay is one of the larger consumer payment processors in the country. It is a state-of the-art payment gateway that protects your account details when you shop on vClusive by encrypting sensitive information like your card number. It is VeriSign Secured and validated by Payment Card Industry compliant Control Code (PCI-DSS).

There are no hidden charges when you make a purchase with vClusive. The prices listed for all the items are final and all-inclusive. The final order total would also include the shipping and handling charges as applicable.

vClusive Stars and Awards

• vClusive Members are eligible to earn and spend using Stars and Awards.
• When you click on the “Proceed to Checkout” button, you are provided an option to Redeem Stars.
• Please note: if you have a Star balance whose monetary value is more than or equal to the Order value, you can use them to pay for your entire order.
• If you do not have enough Stars, you can pay using any of the other options, such as Netbanking, Credit or Debit Cards, UPI or Wallets.
• Awards may not be exchanged for cash, and will not be replaced if lapsed.
• Your card balance may be obtained, online at www.vclusive.com, on the vClusive App or by calling 888-053-1711.

Note: Refer to our vClusive ‘How It Works’ section on the website or the ‘Help’ section on the app for information on how to earn Stars and learn about Awards.

Gift Wrapping:

Currently, vClusive and its partners do not offer gift wrapping as a service. But we are working towards making this service available as soon as possible.