1. Introduction
The Private Hospitals and Nursing Homes Association (PHANA) provides secure and convenient payment options through PhonePe for membership fees, event registrations, training programs, and other association-related payments. This policy outlines the terms and conditions governing all transactions made via PhonePe.

2. Payment Modes Accepted
UPI transactions via PhonePe
Linked bank accounts
PhonePe wallet payments
Credit/Debit cards (processed through PhonePe gateway)

3. Transaction Security
All payments made through PhonePe are encrypted and processed through secure banking channels.
PHANA does not store or retain any sensitive financial information such as card details, UPI PINs, or bank credentials.

4. Payment Confirmation
Upon successful payment, an auto-generated receipt will be sent to the registered email ID or WhatsApp number.
Members are requested to verify transaction details and retain the receipt for future reference.

5. Refund and Cancellation Policy
Membership Fees: Non-refundable once processed.
Event Registration Fees: Refunds (if applicable) must be requested at least 7 days prior to the event date.
Training Programs: Fees are transferable to another session if prior intimation is given.

6. Dispute Resolution
Any payment disputes must be reported within 7 working days of the transaction.
Disputes will be resolved by PHANA’s finance team in coordination with PhonePe’s support team.

7. Contact for Payment Queries
For any payment-related issues, please contact: