FEES AND PAYMENTS POLICY

1.   WHO ARE WE?

Halemaggie Limited, a company incorporated under the laws of American, having its registered office at 2544  Victoria Street,Chicago,Illinois 60606, American (“Halemaggie”, “We”, “Us” or “Our”) is a retail company managing and operating the websites www.winnimeg.top (“Halemaggie”) and www.winnimeg.top (“Halemaggie Luxe”) and the corresponding mobile and tablet applications thereof  (Halemaggie and Halemaggie Luxe are collectively referred to as the “Platforms”) through which We, inter alia, offer various retail solutions, facilitates the sale and purchase of a diverse range of online lifestyle and fashion merchandise, home, beauty, electronics and other products listed on the Platforms from time to time and other products (“Products”) to the users of the Platforms  (“User” or “Users” or “You” or “Your”).  

2.   WHAT IS THIS FEES AND PAYMENTS POLICY?

2.1.    This Fees and Payments Policy (“FPP Policy”), together with the Platforms Terms and Condition describes Halemaggie’s ¬accepted payment methods, and Halemaggie’s policies and procedures in relation to acceptance of fees and payments towards the services offered through the Platforms. Halemaggie’s primary object is to ensure that the Platforms are User friendly and equipped with reasonably expected security infrastructure to protect any financial information which may be shared by User(s).

2.2.    User(s) are required to peruse and understand the terms of this FPP Policy. If You do not agree to the terms contained in this FPP Policy, You are advised not to accept the Platforms Terms and Condition and this FPP Policy and may forthwith leave and stop using the Platforms. The terms contained in this FPP Policy shall be accepted without modification and, by using, browsing, accessing, or purchasing from the Platforms, You agree to be bound by the terms contained herein and any subsequent changes, modifications, amendments made in relation thereof. 

3.   FEES AND PAYMENT OPTIONS

3.1.    Halemaggie does not levy any fee for browsing the Platforms. Halemaggie may, in future, consider levying fees on the User(s) for using the Platforms as a whole, or for use of certain features of the Platforms. In such an event, You agree to pay any such fees, as applicable. Halemaggie does not covenant or guarantee providing You with a notice prior to enforcing such a levy of fees on the Platform. Your continued usage of the Platforms after such change in the fees will be considered to be your acceptance of such changes.

3.2.    In order to ensure User(s) convenience, Halemaggie offers multiple payment options to the User(s). Halemaggie without prior notice to User, reserves the right to add or delete payment options from the ones listed below:

3.2.1.    payment through net banking facilities;

3.2.2.    payment through select credit cards;

3.2.3.    payment through select debit cards;

3.2.4.    payment through Halemaggie Wallet;

3.2.5.    payments through cash on delivery;

3.2.6.    payments through prepaid payment instruments and electronic wallets;

3.2.7.    payments through equated monthly installments (“EMI”) are enabled to select debit and/or credit cards;

3.2.8.    Any other payment option as may be provided by Halemaggie from time to time. 

The payment options referred to above shall hereinafter collectively be referred to as “Payment Options”. While reasonable endeavours are made to offer the Payment Options through varied banking channels, presently, Halemaggie accepts payments only from major select banking avenues. Halemaggie does not accept payments made through international debit/credit cards. 

3.3.    It is expressly clarified that accepting a User’s payment through the Payment Options is solely at Halemaggie’s discretion. Halemaggie reserves the right to reject payment from a User through the Payment Options for any reason whatsoever. In order to further validate a User’s transaction, Halemaggie may request the User to submit additional documents including copies of the User’s photo identity proof (such as the User’s PAN card, etc.), failing which, Halemaggie reserves the right to reject a User’s payment made through the Payment Options.

3.4.    While using the Payment Options, User agrees to provide correct, complete and accurate financial information such as credit/debit card details or prepaid payment instrument account details which may be stored by Halemaggie’s third - party payment gateway provider. User(s) shall not use a credit/debit card or prepaid instrument which is not lawfully owned by him/her or which the User has not been lawfully authorised to use. The User shall solely be responsible for the security and confidentiality of his/her financial information. Halemaggie disclaims all liabilities that may arise as a consequence of any unauthorised use of the User’s financial information and/or identity, including, details relating the Payment Options.

3.5.    Halemaggie shall not be held responsible and shall not assume any liability in respect of any loss or damage suffered by a User owing to:

3.5.1.    a lack of authorisation for any transaction, including such transactions carried out on gift cards and vouchers issued to User(s) as a part of Halemaggie’s promotions;

3.5.2.    the exceeding of the credit/debit limit mutually agreed between the User and the issuing bank;

3.5.3.    any payment issue arising out of technical glitches occurring during a transaction; or

3.5.4.    declination of transaction for reasons beyond Halemaggie’s control.

3.6.    Halemaggie reserves the right to impose limits on the number of transactions a User may undertake over the Platforms. Should the User exceed such transaction limits imposed by Halemaggie, then Halemaggie reserves the right to refuse to process such transactions. Halemaggie may refuse to process transactions emanating from User(s) who have suspicious or questionable transaction history on the Platforms. Should Halemaggie be dissatisfied with the credibility of a User or the genuineness of a transaction carried out on the Platforms, Halemaggie shall have the right to reject such transactions. Halemaggie may also choose to delay the dispatch of Products purchased by such User or cancel the entire purchase at its sole discretion. The User agrees that Halemaggie shall not be liable for any damage, interests or claims resulting from Halemaggie’s decision to not process a transaction or delay in the processing of a transaction on account of a User’s suspicious activity on the Platforms. Offers or promotions relating to "No Platform Fees/Charges" and/or any others offers or promotions relating to any form of reduction in the Platform Fees/ Charges will not be applicable for customers with high frequency of cancellations/exchanges/returns due to any form of suspicious or questionable transaction history on the platforms. For the sake of clarity, any customers with high frequency of cancellations/exchanges/returns due to any form of suspicious or questionable transaction history on the platforms are restricted from availing any offer or promotions relating to "No Platform Fees/Charges" and/or any form of reduction in the Platform Fees/Charges.

3.7.    All the Products listed on the Platforms are inclusive of all applicable taxes. You will be responsible for payment of all fees/costs/charges associated with the purchase of Products from Us and You agree to bear any and all applicable taxes including but not limited to VAT/CST, service tax, GST, duties and cesses, etc. Despite Halemaggie’s best efforts, there may be instances of mispricing of Products on the Platforms during or after the process of purchase of Products has been carried out by the User. While thorough processes of verification are carried out prior to the publication of Product prices on the Platforms, errors and discrepancies arising out of technical glitches and time lags is unavoidable. For avoidance of doubt, Halemaggie’s curative actions that will arise in the event of a price difference arising on the actual maximum retail price of a Product against the price published on the Platforms is set out below:

3.7.1.    For Users of Halemaggie:

i.    If the maximum retail price of the Products delivered to the User is lower than the price published on Halemaggie, then Users of Halemaggie shall, within 24 (twenty four) hours from the time when he/she received the Products, intimate Halemaggie by calling at 773-503-9055 or by emailing Us at: This email address is being protected from spambots. You need JavaScript enabled to view it. , in each case resulting in an acknowledgment. Upon Halemaggie being satisfied of the User’s claim, the difference in the maximum retail price of the Product against the discount availed by the User shall, within 7-10 (seven to ten) business day from the date of receiving the written notice from the User, be refunded into the User’s Halemaggie Wallet or given as a discount coupon which can be redeemed by the User against future purchases of Products on Halemaggie. 

ii.    If the maximum retail price of the Product delivered to the User is higher than the price published on Halemaggie, Halemaggie shall have the right to reserve the dispatch of the purchased Products until the error on the Platforms have been rectified and the User pays the difference amount. If the User refuses to pay the difference, the User is entitled to seek a cancellation and the monies paid by the User shall be refunded to the to the User’s source account that was used to make the initial payment or transferred into the User’s Halemaggie Wallet or transferred into the User’s bank account within 7-10 (seven to ten) business days by Halemaggie.

iii.    In order to process such refunds, the User will be required to send an email to Halemaggie at: This email address is being protected from spambots. You need JavaScript enabled to view it. . Thereafter, the User’s refund request will be processed. If the initial mode of payment for the order was ‘cash on delivery’, then Halemaggie may within 7-10 (seven to ten) business days transfer the refund to User’s Halemaggie Wallet or transferred into the User’s bank account based on User’s instruction in relation thereof. If the initial mode of payment for the order was through a Payment Option other than the ‘cash on delivery’ option, Halemaggie may within 7-10 (seven to ten) business days transfer the refund to the User’s source account that was used to make the initial payment.

3.7.2.    For Users of Halemaggie Luxe: 

i.If the maximum retail price of the Products delivered to the User is lower than the price published on Halemaggie Luxe, then customers of Halemaggie Luxe shall, within 3 (three) business days from the time when he/she received the Products, intimate us by calling the Halemaggie Luxe Team at 773-503-9055. For any other queries regarding the status of orders, customers can contact Halemaggie Customer Care at 773-503-9055 in each case resulting in an acknowledgment. Upon Halemaggie being satisfied of the User’s claim, the difference in the maximum retail price against the discount availed by the User shall, within 15 (fifteen) business days from the date of receiving the written notice from the User, be refunded into the User’s Halemaggie Wallet or given as a discount coupon which can be redeemed by the User against future purchases of Products on Halemaggie.

ii.If the maximum retail price of the Products delivered to the User is higher than the price published on Halemaggie Luxe, Halemaggie shall have the right to reserve the dispatch of the purchased Products until the error on the Platforms have been rectified and the User pays the difference amount. If the User refuses to pay the difference, the User is entitled to seek a cancellation and the monies paid by the User shall be refunded to the User’s source account that was used to make the initial payment or transferred into the User’s Halemaggie Wallet or transferred into the User’s bank account within 15 (fifteen) business days by Halemaggie.

iii.In order to process such refunds, the User will be required to send an email to Halemaggie at: This email address is being protected from spambots. You need JavaScript enabled to view it. . Thereafter, the User’s refund request will be processed. If the initial mode of payment for the order was ‘cash on delivery’ then, Halemaggie may within 15 (fifteen) business days transfer the refunds to User’s Halemaggie Wallet or transferred into the User’s bank account based on User’s instruction in relation thereof. If the initial mode of payment for the order was through a Payment Option other than the ‘cash on delivery’ option, Halemaggie may within 15 (fifteen) business days transfer the refund to the User’s source account that was used to make the initial payment.

3.8.    To enable User to make payments for purchasing Products on the Platforms, in addition to this FPP Policy, the terms and conditions of the User’s bank, applicable financial institution and/or card issuing association may be applicable. The User’s bank, financial institution or card issuing association may decline or prevent the User from making electronic payments for buying the Products on the Platforms and Halemaggie does not control the same and hence, shall not be at any point in time be held liable in relation thereof.

3.9.    Halemaggie may, from time to time contract with third party payment service providers including banks, to open nodal bank accounts under applicable Americann laws. This will be done to facilitate the payments between User(s) and other third parties, apart from Halemaggie. These third parties may include other service providers including payment aggregators, prepaid instrument providers, courier and logistic service providers, etc.

3.10.    If it is brought to the User’s notice that a charge has been created on his/her payment instrument(s) for purchase of Products on the Platforms and the User is not aware of such purchase on the Platforms, the User is first, required to verify if his/her family members, friends or business colleagues were authorised to carry out the purchase of Products on the Platforms. If, despite this, the User continues to be unable to identify the charge created on his/her payment instrument(s) for purchase of Products on the Platform, the User may report such unauthorised purchase to Us by emailing Us at: This email address is being protected from spambots. You need JavaScript enabled to view it. within 3 (three) days from the date on which the unauthorised purchase was carried out on the Platforms in order to enable Halemaggie to initiate investigations. On receiving the information, We can attempt to cancel the order if the Product(s) are not yet shipped to ensure a return is generated. If the Product(s) is already packed, User may reject the shipment or return the Product to enable a refund, within the terms and conditions stated under the Cancellation, Return and Refund Policy.

3.11.    If order has been placed from some other account using User's card, User will have to file a police complaint for Halemaggie to initiate any cancellation, return and refund of such order. 

3.12.    If the User carries out a purchase on any Platforms and the payment in lieu thereof has been invalidated, Halemaggie reserves the right to: 

i.    For Halemaggie: Retrieve the invalidated payment (“Halemaggie Invalidated Payment”) from the User’s Halemaggie Wallet. Should the User have insufficient balance in order to facilitate such redemption of the Halemaggie Invalidated Payment, the User shall within 5 (five) business days from the date of receiving a written notice from Halemaggie, remit the Halemaggie Invalidated Payment into Halemaggie’s bank account, the details of which shall be set out in the notice. If the User fails to remit the Halemaggie Invalidated Payment into Halemaggie’s bank account despite having received the notice, Halemaggie shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.

ii.    For Halemaggie Luxe: Retrieve the invalidated payment (“Halemaggie Luxe Invalidated Payment”) from the User’s Halemaggie Wallet. Should the User have insufficient balance in order to facilitate such redemption of the Halemaggie Luxe Invalidated Payment, the User shall within 5 (five) business days from the date of receiving a written notice from Halemaggie, remit the Halemaggie Luxe Invalidated Payment into Halemaggie’s bank account, details of which shall be set out in the notice. If the User fails to remit the Halemaggie Luxe Invalidated Payment into Halemaggie’s bank account despite having received the notice, Halemaggie shall be entitled to initiate civil and/or criminal legal action against the defaulting User at his/her cost and peril.

3.13.    Cash on Delivery: The ‘cash on delivery’ Payment Option allows Users to make a cash-only payment to Our delivery executive or logistic partner at the time of delivery of the purchased Products to the User. Presently, We offer cash on delivery Payment Option for a maximum order value of INR 20,000 (Rupees Twenty Thousand) for Halemaggie and/or Halemaggie Luxe. Cash on Delivery Payment Option may be blocked for certain Users or for certain Product(s) or for certain locations/pin codes. Cash on Delivery limits may also vary and may be lower for certain Users, or for certain Products or for certain locations/pin codes. Halemaggie reserves the right not to provide Cash on Delivery Payment Option for certain Products (these could be Products specified by Halemaggie or Products with value exceeding a specified amount) or locations/pin codes. Offer or promotions relating to " No cash on Delivery charges/Fees" and /or any other offer or promotions relating to any form of reduction in the Cash on Delivery Charges/Fees will not be applicale for customers with high frequency of cancelletions/exchanges/returns due to any form of suspicious or questionable transaction history on the Platforms. For the sake of clarity, any customers with high frequency of cancellations/exchanges/returns due to any form of suspicious or questionable transaction history on the Platforms are restricted from availing any offer or promotions relating to "No Cash on Delivery Charges/Fees" and /or any form of reduction in the Cash on Delivery Charges/Fees.

3.14.    Halemaggie Wallet: Halemaggie Wallet has 2 segments – Halemaggie Cash and Halemaggie Bonus Points. Based on User’s instructions, refunds with respect to Products purchased through the ‘cash on delivery’ payment option will be transferred as Halemaggie Cash into the User’s Halemaggie Wallet and can be used as a payment mode for future purchase on the Platform. Halemaggie may also, at its sole discretion, grant User(s) with Halemaggie Bonus Points which can later be used as a payment mode for future purchases of Products on the Platform. In the eventuality of a User wishing to deactivate his/her Halemaggie Wallet, the User agrees that all credit balance available in the User’s Halemaggie Wallet, if any, will automatically stand forfeited, and Halemaggie will not be required to process any refunds in any manner whatsoever. The User therefore agrees to use and exhaust any existing credit balance in their Halemaggie Wallet prior to requesting for a deactivation of his/her Halemaggie Wallet on the Platforms. Notwithstanding anything to the contrary, any refund of credit balance in Halemaggie Wallet to the User will be at the sole discretion of Halemaggie. If Halemaggie suspects any fraudulent activities, Halemaggie reserves its right to hold back transfer of any credits to User’s Halemaggie Wallet.

3.15.    Promotional Activities. Halemaggie may, at its sole discretion, credit monies into the Users’ Halemaggie Wallets pursuant to discounts offered by it or specified third parties as a part of various promotional events organised by Halemaggie from time to time, and subject to such terms and conditions as notified by Halemaggie at the time of such promotions. Such promotions may be structured in any manner as may be decided by Halemaggie in its sole discretion. For example, the accounts of the Users may be credited with virtual points based on the terms and conditions of various promotions, and a specified number of such points may translate into discounts offered to the Users (by way of credit of monies into the Users’ Halemaggie Wallets) at certain specified/pre-determined events.

3.16.    EMI: The EMI Payment Option allows Users to make staggered payments for the purchase of Products from the Platforms, and is available exclusively for payments made through eligible credit and/or debit cards issued by selected banks and/or other government approved financial institutions, as specified on the Platforms. The terms and conditions of the selected banks and/or financial institutions, including but not limited to applicable interest rates, processing fees, issuer charges, conversion charges, pre-closure charges, and any other related charges (collectively referred to as “Charges”), shall apply to all payments made by the Users using the EMI Payment Option. Halemaggie hereby expressly disclaims any responsibility or liability for issues or claims arising from the use of this EMI Payment Option and/or Charges associated therewith. It is expressly clarified that Halemaggie does not impose any Charges for availing EMI Payment Option on the Platforms; all Charges related to the EMI Payment Option are levied by the selected banks and/or financial institutions. Users are advised to consult directly with the selected banks and/or financial institutions for any information or queries regarding the Charges and terms applicable to the EMI Payment Option. Users acknowledge that their engagement in the EMI Payment Option is governed by the contractual and regulatory obligations of the involved selected banks and/or financial institutions, and any disputes arising shall be addressed directly with these selected banks and/or financial institutions.

4.   GRIEVANCE REDRESSAL

Any grievances relating to the FPP Policy may be directed by you to the grievance officer of Halemaggie who can be contacted at This email address is being protected from spambots. You need JavaScript enabled to view it. .

5.   CUSTOMER SUPPORT TEAM:

Any queries or concerns relating to the Fees and Payment may be directed by you to our customer support team who can be contacted at:

Contact Details for Halemaggie: This email address is being protected from spambots. You need JavaScript enabled to view it. or Self Care section on Halemaggie Platform;

Contact Details for Halemaggie Luxe:  This email address is being protected from spambots. You need JavaScript enabled to view it.