1. Company Overview

PKCPM Resource Center is a multi-division rural development startup based in Javvadhumalai, Krishnagiri District, Tamil Nadu, India. The company specializes in creating, producing, and distributing herbal personal care products, health-based functional food supplements, and millet-based hospitality services. PKCPM’s products are rooted in traditional agricultural knowledge and utilize local farm resources combined with scientific research to create effective and sustainable solutions.
The company’s vision is to promote rural entrepreneurship and showcase India’s rich herbal heritage globally, with a focus on premium, high-quality products aimed at both the domestic and international markets.
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2. E-commerce Business Model

PKCPM operates as a direct-to-consumer (D2C) e-commerce business through its website www.ommurugaom.com. The website serves as the primary sales platform where customers can browse and purchase herbal products across various categories, including:
• Herbal FMCG Products: Bathing powders, soaps, shampoos, oils, etc.
• Health Food Products & Nutraceuticals: Porridge blends, millet-based foods, ancient grains, etc.
• Herbal Personal Care: Skincare oils, lotions, hair care products, etc.
Customers are able to browse product descriptions, view images, and read customer reviews before making their purchase. Payment for these products is made directly on the website through third-party payment gateways that support credit card, debit card, net banking, and wallet-based transactions.
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3. Product Categories and Offerings

• Herbal Bathing Powders & Soaps: PKCPM offers a range of herbal bathing products made with natural ingredients like neem, tulsi, and eucalyptus, among others. These products are designed for skin wellness, detoxification, and refreshment.
• Health-based Functional Food Supplements: These include millet-based porridge blends, ancient grain powders, and herbal teas aimed at improving overall health and wellness. The products are vegan, gluten-free, and contain no artificial additives.
• Herbal Personal Care Products: This category includes oils, creams, and shampoos that are made with a combination of local herbs and organic ingredients designed for skin and hair care.
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4. Transaction Flow

The payment gateway will handle the transactions for customers purchasing products on the website. The flow will be as follows:
1. Customer Browsing: A customer visits the website, browses through product categories, and adds products to their shopping cart.
2. Checkout Process: When ready to check out, the customer reviews the order, enters shipping and billing details, and proceeds to payment.
3. Payment Gateway: The customer selects a payment method (credit card, debit card, net banking, or wallet) and proceeds to make the payment via the payment gateway.
4. Transaction Authorization: The payment gateway processes the payment and sends an authorization response (successful or failed).
5. Order Confirmation: Upon successful payment authorization, an order confirmation is sent to the customer, and the order is processed for shipping.
6. Payment Settlement: The payment gateway provider will settle the funds to PKCPM’s bank account after the transaction is processed.
Transaction Types:
• Single Payment: For one-time product purchases.
• Subscription-Based: For any future subscription models, if applicable.
Payment Methods Accepted:
• Credit Cards
• Debit Cards
• Net Banking
• Digital Wallets (e.g., Paytm, Google Pay)
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5. Compliance and Security

PKCPM adheres to industry-standard security protocols and compliance requirements for e-commerce transactions, including but not limited to:
• PCI-DSS Compliance: Ensuring that payment card transactions are securely handled and encrypted.
• SSL Encryption: Secure Socket Layer (SSL) encryption is used to protect all customer transactions and personal data on the Site.
• Data Privacy: The Company complies with applicable data protection laws, including the General Data Protection Regulation (GDPR) for international customers and Indian data privacy laws for domestic customers.
PKCPM is committed to ensuring that customer data is protected and securely processed throughout the transaction process.
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6. Shipping, Delivery, and Returns

6.1 Shipping Policy
PKCPM offers domestic and international shipping for its products. Shipping fees are calculated during the checkout process and are based on the delivery location. For international orders, customers must contact the Company for shipping fees and arrangements before placing an order.
6.2 Delivery Times
• Domestic Orders: Delivery within 7-10 business days.
• International Orders: Delivery times may vary depending on the destination country and customs procedures.
6.3 Returns and Refunds
• Returns: Products can be returned within 14 days if unopened and in original condition. Opened products are generally non-returnable due to hygiene reasons, unless defective.
• Refunds: Refunds for returned products will generally be issued as store credit. In cases of faulty products or errors on the Company’s part, a full refund will be issued to the original payment method.
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7. Payment Gateway Requirements

PKCPM requests the payment gateway provider to meet the following criteria:
• Security: Implement strong encryption protocols for payment transactions, including SSL/TLS encryption, and ensure PCI-DSS compliance to protect customer payment data.
• Payment Methods: Support multiple payment methods, including credit cards, debit cards, net banking, and digital wallets.
• International Transactions: Enable seamless international payment processing and currency conversions for global customers.
• Fraud Prevention: Implement measures such as address verification (AVS), 3D Secure, and fraud detection mechanisms to minimize the risk of fraudulent transactions.
• Real-time Payment Authorization: Provide immediate feedback on payment status (successful, failed, or pending) to facilitate order processing.
• Payment Settlements: Settle payments to the Company’s bank account on a regular basis (daily/weekly), with clear reconciliation reports.
• Mobile Payment Support: Enable mobile payment solutions for customers using mobile wallets or payment apps.
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8. Customer Support and Dispute Resolution

8.1 Customer Support
The Company provides customer support via email, phone, and chat for any payment-related queries, including order issues, payment failures, and refunds.
8.2 Dispute Resolution
In the event of a payment dispute or chargeback, PKCPM will collaborate with the payment gateway provider to resolve the issue in a timely manner. The Company will ensure that all disputes are addressed according to the payment gateway’s dispute resolution process and applicable laws.
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9. Legal Compliance and Consumer Protection

9.1 Consumer Protection
PKCPM ensures that all transactions comply with applicable consumer protection laws in India, including providing transparent information about pricing, product details, and return policies. Additionally, the Company ensures that customers have clear access to their rights regarding refunds, returns, and disputes.
9.2 Compliance with Payment Gateway Regulations
The Company agrees to comply with the payment gateway’s terms and conditions, ensuring that all transactions adhere to local and international financial regulations, including anti-money laundering (AML) and Know Your Customer (KYC) guidelines.
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