EMI Policies


• The issuing bank may modify the terms of the EMI offering at any time. Further, the issuing bank may, at its sole discretion, choose to reject or change the EMI tenure (on the basis of customer history, amount of transactions, etc.) or withdraw the EMI scheme completely. For all such cases, customers must follow up with the issuing banks and International Sleep Solutions will not be responsible for any rejection.

•  International Sleep Solutions shall not be responsible for any disputes arising due to the non-conversion of a transaction into EMIs. Customers will have to inquire about the status of their EMI requests from their issuing banks.

•  Every bank has its own threshold value above which, a credit card holder may avail of the EMI facility while ordering mattresses & accessories from International Sleep Solutions. The threshold value is decided by each particular bank and is in the range of Rs. 500-6000/-, varying from bank to bank.

• EMI transaction requests, once submitted, cannot be cancelled/modified/reversed until the same have been approved/rejected by the issuing banks of the credit card holders.

For example, if an EMI transaction request is submitted on April 1 and is approved/rejected by the issuing back on April 7, the request cannot be cancelled/modified/reversed before April 7. Only after approval/rejection by the issuing bank, can customers cancel the transaction. In the event of a cancellation, International Sleep Solutions will raise a request with its payment aggregator (PayU), who will then coordinate with issuing bank to initiate a refund. As soon as the refund is approved at the bank’s end, the credit card limit will also be increased. However, do note that cancellation charges will be applicable, which will have to be borne by the customer.