Legal Notice & Disclosures

1. Merchant Entity Information

2. Statutory Grievance Redressal Officer

In accordance with Rule 5(9) of the Consumer Protection (E-Commerce) Rules, 2020, and the Information Technology (Intermediary Guidelines) Rules, 2021, the contact details of our Grievance Officer are:

All consumer complaints and queries will be acknowledged within 48 hours and resolved within 30 days from the date of receipt.

3. NPCI UPI Settlement Protocol

Laxmi Decor operates exclusively on native Unified Payments Interface (UPI) protocols governed by the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI):

• 0% Merchant Discount Rate (MDR): We do not charge customers any payment gateway processing fee, convenience fee, or credit surcharge.
• Rotating VPA Protocol: To manage transaction volumes and ensure 99.9% uptime, payments are systematically routed across verified bank Virtual Payment Addresses assigned to our enterprise.
• Direct Settlement: 100% of funds settle directly into our verified merchant bank accounts without third-party wallet escrow delays.

4. Copyright & Trademark Notice

© 2026 Laxmi Decor. All rights reserved. The brand name “Laxmi Decor”, associated logos, jewellery styling, and editorial photography are proprietary assets. Any unauthorized scraping, mirroring, or republication will be met with immediate legal cease-and-desist action.