BizLiveGo Billing Policy

Commercial Billing Framework

This Billing Policy governs subscription fee assessments, invoice generation, tax reporting, and payment reconciliations for services provided by BizLiveGo (operated by MD Joshim Biswas).

Our billing workflows adhere strictly to the Central Goods and Services Tax (CGST) Act, 2017, the Integrated Goods and Services Tax (IGST) Act, 2017, and the Consumer Protection (E-Commerce) Rules, 2020 of India.

Billing Principles

We enforce strict accounting discipline across all subscription tiers:

• Prepaid Access: Profile publishing, QR routing, and template tools activate upon advance payment.
• Transparent Pricing: All recurring fees, applicable taxes, and gateway line-items are displayed before checkout.
• PCI-DSS Compliance: All credit and debit transactions are processed via certified Level 1 payment aggregators.

1. Instant PDF Invoicing

Upon successful payment confirmation via our integrated gateways (Razorpay, Cashfree, Stripe), a digitally signed tax invoice is generated within 0 to 60 seconds and emailed to your billing address.

Invoices can also be viewed and downloaded directly from your user dashboard.

2. 8-Year Statutory Archival

In compliance with statutory commercial record-keeping rules, historical invoices remain accessible in your account under Account Settings > Billing & Invoices for at least eight (8) years.

Permanent access for commercial accounting and tax compliance needs.

3. Standard Invoice Details

Each invoice includes our unique sequential serial number, invoice date, merchant GSTIN, buyer GSTIN (for B2B), SAC code (998314 for digital and IT services), and exact tax breakdowns.

Designed for easy reconciliation and corporate Input Tax Credit filings.

1. 18% Statutory GST

All SaaS digital subscriptions, dynamic QR tools, and website layout templates delivered in India are subject to 18% GST under SAC 998314.

Displayed prices indicate whether taxes are included or calculated at checkout.

2. B2B Input Tax Credit (ITC)

Commercial entities can supply their verified 15-digit GSTIN during checkout or under account settings. Validated GSTINs are automatically included on all issued tax invoices for claiming Input Tax Credit (ITC).

Invoices are reported monthly in our statutory GSTR-1 returns.

3. Place of Supply Rules

Taxes are determined by the customer's registered billing address:

• Within West Bengal: 9% CGST + 9% SGST.
• Interstate (Outside WB): 18% IGST.
• International Supplies: Zero-rated export supplies where statutory criteria are satisfied.

Mid-Cycle Upgrades & Tier Adjustments

Subscribers can change plan tiers at any point from their dashboard:

• Immediate Upgrades: Upgrades take effect immediately upon payment. Unused prepaid balance from your existing tier is credited toward the upgraded plan invoice.
• Orderly Downgrades: Downgrading to a lower plan tier takes effect at the end of the current prepaid cycle, preserving higher-tier capabilities through the paid horizon.
• No Mid-Term Cash Payouts: Plan downgrades do not trigger mid-cycle cash refunds, but account credits may be applied to subsequent billing cycles.

Price Adjustments & Renewal Disclosures

BizLiveGo maintains predictable subscription pricing structures:

• 30 Days' Notice: Any price adjustments to recurring subscriptions will be communicated via email at least 30 calendar days prior to renewal.
• Honored Terms: Active annual or multi-year terms remain locked at their original purchase rate through the end of the prepaid horizon.
• Cancellation Rights: Subscribers may cancel recurring auto-renewals at any point prior to the effective renewal date with zero penalty.

Payment Failures & 7-Day Grace Period

If a scheduled subscription renewal debit fails due to card expiry or insufficient funds:

• Automated Retries: Our gateway initiates 3 automated retry attempts over a 7-day period while alerting you by email.
• 7-Day Active Grace: Your profile URL remains online, and dynamic QR routing functions uninterrupted throughout this 7-day window.
• Service Suspension: If unresolved after 7 days, publishing is paused (HTTP 402/Suspended). Configurations are preserved for 30 days before permanent archival.

Billing Dispute & 7 to 15 Working Days SLA

For billing disputes, duplicate checkout reconciliations, or approved cooling-off cancellations:

• Reversal Initiation: Gateway refund APIs are triggered within 24 to 48 hours of verification.
• Interbank Settlement: Reconciled funds credit the original payment source within 7 to 15 working days.
• Tracking Reference: Official Acquirer Reference Numbers (ARN) or UPI Transaction References (UTR) are provided upon request.