SAFE & SECURE SHOPPING

Last Updated: 08-Mar-2026

At Tharagais, we are committed to ensuring that your shopping experience is safe, secure, and protected at every step.

Is making online payments secure on Tharagais?

Yes. All online payments on Tharagais are processed through secure, encrypted payment gateways compliant with industry-standard security protocols.

We use SSL (Secure Socket Layer) encryption to protect your payment information during transmission.

Does Tharagais store my credit/debit card information?

No. Tharagais does not store your complete credit or debit card details.

We may store only limited masked information (such as the last 4 digits of your card number) for identification purposes.

Full card details are processed securely by certified third-party payment gateways.

What credit/debit cards are accepted on Tharagais?

We accept the following cards issued by authorized banks:

• Visa
• MasterCard
• RuPay
• Maestro
• American Express

Acceptance may depend on the payment gateway and issuing bank support.

Do you accept internationally issued credit/debit cards?

Tharagais primarily accepts cards issued by banks in India.

Internationally issued cards may be accepted subject to:

• Payment gateway support
• RBI guidelines
• Successful authorization by the issuing bank

Certain transactions (such as wallet top-ups or store credits, if applicable) may be restricted to India-issued cards.

What other payment options are available on Tharagais?

In addition to Credit and Debit Cards, we may accept:

• UPI
• Net Banking
• Digital Wallets
• Cash on Delivery (COD)
• EMI options (if available)
• Store credits or promotional vouchers

Available payment methods will be displayed at checkout.

How does Tharagais protect customers from fraud?

We implement:

• Secure payment encryption
• OTP-based transaction verification
• Fraud detection monitoring systems
• Order verification for high-risk transactions

In certain cases, we may contact you to verify order details for security purposes.

Is Cash on Delivery (COD) safe?

Yes. COD allows you to pay at the time of delivery. However:

• Availability depends on location and order value.
• Repeated order rejections may restrict COD access.

How do I ensure safe shopping practices?

We recommend that you:

• Never share your OTP, passwords, or card details with anyone.
• Avoid clicking suspicious emails or messages claiming to represent Tharagais.
• Log out after completing transactions on shared devices.

Tharagais will never ask for your password or OTP over phone or email.

Privacy & Data Protection

Tharagais respects your privacy and processes personal data in accordance with applicable Indian laws including the Digital Personal Data Protection Act, 2023.

For more details, please review our Privacy Policy.

FRAUD PREVENTION & CUSTOMER PROTECTION :

1. Purpose

This Fraud Prevention & Customer Protection Policy outlines the measures adopted by Tharagais (“Platform”) to detect, prevent, and address fraudulent activities while protecting genuine customers and sellers.

Tharagais operates as a curated multi-vendor marketplace  

2. Fraud Monitoring & Detection

Tharagais uses internal risk monitoring systems to identify suspicious activities, including but not limited to:

• Multiple failed payment attempts
• Mismatch in billing and shipping details
• High-value or bulk unusual orders
• Abnormal return patterns
• Excessive Cash on Delivery (COD) rejections
• Use of suspicious IP addresses or devices

We reserve the right to verify orders flagged as high-risk before processing.

3. Order Verification

For certain transactions, we may:

• Contact customers for order confirmation
• Request additional verification
• Temporarily hold or cancel orders pending review
• Failure to respond to verification requests may result in order cancellation.

4. Cash on Delivery (COD) Abuse

To prevent misuse of COD:

• Repeated order refusals may lead to COD restrictions
• Fake or bulk COD bookings may result in account suspension
• Logistics losses due to deliberate refusal may lead to account blacklisting

Tharagais reserves the right to disable COD for accounts identified as high-risk.

5. Return & Refund Abuse Prevention

Fraudulent return practices may include:

• Returning used or damaged products
• Returning different products
• Claiming false defects
• Repeated high-frequency return patterns

In such cases, Tharagais may:

• Reject the return request
• Restrict return privileges
• Suspend the account
• Initiate legal action if necessary

6. Seller Fraud Prevention

Sellers are prohibited from:

• Listing counterfeit goods
• Manipulating pricing
• Providing misleading product descriptions
• Failing to dispatch after order confirmation

Violations may result in:

• Listing removal
• Payment withholding
• Account suspension or termination
• Legal action

7. Customer Protection Measures

To protect customers, Tharagais:

• Uses secure payment gateways
• Enables order tracking
• Allows grievance redressal
• Offers return/replacement under policy guidelines
• Maintains seller performance monitoring

8. Reporting Fraud

If you suspect fraudulent activity, contact:

📧 support@tharagais.com
Subject Line: Fraud Report

Include:

• Order ID
• Transaction details
• Description of concern

9. Right to Investigate

Tharagais reserves the right to:

• Conduct investigations
• Share relevant data with law enforcement
• Restrict accounts during investigation
• Decisions made after investigation shall be final, subject to applicable law.

PAYMENT DISPUTE & CHARGEBACK HANDLING POLICY

1. Purpose

This policy governs disputes, chargebacks, and payment reversals initiated by customers, banks, or payment networks.

2. What is a Chargeback?

A chargeback occurs when a customer disputes a payment directly with their bank or card issuer instead of contacting Tharagais.

3. Dispute Resolution Process

Before initiating a chargeback, customers are encouraged to:

1. Contact Tharagais customer support.
2. Allow reasonable time for resolution under the Refund Policy.

Most issues can be resolved without involving banks.

4. Chargeback Handling Procedure

When a chargeback is initiated:

• The disputed amount may be temporarily debited by the payment gateway.
• Tharagais will review transaction logs, delivery confirmation, and communication records.
• Supporting evidence may be submitted to the issuing bank.

5. Valid vs. Invalid Chargebacks

Valid Reasons:

• Unauthorized transaction
• Non-delivery of product
• Duplicate charge

Invalid Reasons:

• Attempt to bypass return policy
• Dispute after successful delivery
• Claiming fraud after receiving product
• Not recognizing descriptor without contacting support

Fraudulent chargebacks may result in:

• Account suspension
• Legal recovery proceedings
• Blacklisting from future transactions

6. Seller Settlement During Chargeback

If a chargeback occurs:

• Seller settlement for the disputed transaction may be temporarily withheld.
• Liability may be determined based on fault (customer misuse, seller fault, or platform process gap).

Final settlement will follow payment gateway and banking decision.

7. Refund vs. Chargeback

Customers are advised:

• Refunds initiated through Tharagais are processed within 5–7 business days.
• Chargebacks may take 30–90 days depending on bank review.

Initiating a chargeback while a refund is in progress may delay resolution.

8. Dispute Escalation

If dissatisfied with the resolution, customers may escalate by writing to:

📧 support@tharagais.com
Subject: Payment Dispute Escalation

Include:

• Order ID
• Transaction ID
• Supporting documents

9. Legal & Recovery Rights

Tharagais reserves the right to:

• Recover funds lost due to fraudulent chargebacks
• Report fraud to financial institutions
• Initiate civil or criminal action under applicable Indian laws

Contact Us

Couldn’t find the information you need?

Customer Support: support@tharagais.com
Support Hours: Monday – Saturday, 9:30 AM – 5:30 PM