Terms & Conditions

Payment Services

• Money transfer and remittance services
• Bill payment services (electricity, water, gas, telecom)
• Mobile and DTH recharge services
• UPI and digital payment processing
• AEPS (Aadhaar Enabled Payment System) services
• Micro ATM services

Business Services

• Merchant payment gateway solutions
• API integration services
• White-label payment solutions
• Cash management services (CMS)
• Business analytics and reporting

Account Security

• Maintain the confidentiality of your login credentials
• Use strong passwords and enable two-factor authentication
• Immediately notify us of any unauthorized account access
• Log out from shared or public devices
• Regularly monitor your account for suspicious activities

Compliance Requirements

• Complete KYC (Know Your Customer) verification as required
• Provide accurate and up-to-date personal information
• Comply with transaction limits and regulatory requirements
• Report suspicious transactions or activities
• Maintain records of transactions as required by law

Prohibited Activities

You agree not to:

• Use our Services for illegal or fraudulent activities
• Violate any applicable laws, regulations, or third-party rights
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our Services
• Use our Services for money laundering or terrorist financing
• Create multiple accounts to circumvent limits or restrictions
• Share your account with unauthorized persons

Transaction Processing

• Transactions are processed in real-time or as per service specifications
• Processing times may vary based on the service provider and network conditions
• We reserve the right to verify transactions before processing
• Failed transactions will be refunded as per our refund policy
• Transaction confirmations will be sent via SMS/email

Fees and Charges

• Service fees are clearly displayed before transaction confirmation
• Fees may vary based on transaction type, amount, and service provider
• Additional charges may apply for premium or expedited services
• We reserve the right to modify fees with 30 days' notice
• All fees are non-refundable unless otherwise specified

Transaction Limits

• Daily, monthly, and annual transaction limits apply
• Limits may vary based on KYC status and account verification level
• Higher limits available upon completion of enhanced KYC
• Limits are subject to regulatory requirements and may change

Refund Eligibility

• Failed transactions due to technical errors
• Duplicate transactions processed in error
• Transactions to incorrect beneficiaries due to system errors
• Service unavailability resulting in transaction failure

Refund Process

• Refund requests must be submitted within 7 days of transaction
• Refunds are processed within 5-7 business days
• Refunds are credited to the original payment source
• Service charges are non-refundable except in case of system errors

Non-Refundable Transactions

• Successfully completed transactions
• Transactions cancelled by the user after processing
• Transactions with incorrect beneficiary details provided by user
• Service fees and convenience charges

Data Collection and Use

• We collect information necessary to provide our Services
• Personal data is used for transaction processing and compliance
• We implement appropriate security measures to protect your data
• Data sharing is limited to authorized service providers and regulatory requirements

Your Rights

• Access and review your personal information
• Request correction of inaccurate data
• Request deletion of data subject to legal requirements
• Opt-out of marketing communications

Service Limitations

• Services are provided "as is" without warranties of any kind
• We do not guarantee uninterrupted or error-free service
• Service availability may be affected by maintenance, upgrades, or technical issues
• Third-party service provider limitations may affect our Services

Liability Exclusions

We shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from third-party actions or services
• Losses due to user error or negligence
• Force majeure events beyond our reasonable control

Termination by User

• You may terminate your account at any time by contacting customer support
• Account closure requests are processed within 7 business days
• Outstanding transactions must be completed before account closure
• Remaining balance will be refunded as per our refund policy

Termination by Company

We may suspend or terminate your account if:

• You violate these Terms or our policies
• You engage in fraudulent or illegal activities
• You fail to complete KYC requirements
• Your account remains inactive for an extended period
• Required by law or regulatory authorities

Effect of Termination

• Access to Services will be immediately suspended
• Outstanding obligations remain in effect
• Data retention as per our Privacy Policy and legal requirements
• Survival of terms that by nature should survive termination

Dispute Resolution

• We encourage resolution of disputes through direct communication
• Formal complaints can be submitted through our grievance mechanism
• Unresolved disputes may be referred to arbitration as per Indian Arbitration Act
• Consumer disputes may be addressed through consumer forums