We are providing all services to our agents like Recharges, Bill Payments & Money Transfer Service etc with best commission policy. We are authorize partners of Banks and relevant service providers.
This Agreement governs your relationship with the Company. By continuing to use the Platform, you acknowledge that you have read, understood, and accepted these Terms and Use in full.
Legal Agreement:
This document constitutes a legally binding agreement between Fajlka Industries and all registered members on its platform, including Retailers, Distributors, Master Distributors, and State Heads. The platform includes the website 01pe.in and the mobile application 01Pe.
2. Acceptance:
Use of the platform, whether via the website 01pe.in or the mobile application 01Pe, signifies that the member has read, understood, and unconditionally accepted these Terms and Conditions. Continued use of the platform will be deemed as acceptance of these terms.
3. Applicable Members:
This agreement applies to all categories of members associated with the platform. Each member is legally responsible for compliance according to their designated role, duties, and position.
4. Purpose and Scope:
The platform may be used only for lawful, legal, and ethical purposes. Any unlawful, improper, or prohibited activities are strictly forbidden.
5. Platform Objective:
The purpose of this agreement is to provide all members with clear, precise, and transparent information regarding the platform’s services, policies, and obligations, enabling members to operate in accordance with the established rules.
6. Legal Effect:
All rules, terms, and provisions outlined in this introduction establish the legal rights and obligations between Fajlka Industries and the member. This agreement is legally enforceable on both parties.
For the purpose of this Agreement, the following terms shall have the meanings set forth below unless the context otherwise requires:
“Company” refers to Fajlka Industries, including its successors, assigns, and affiliates.
“Platform” refers collectively to the Company’s website (01pe.in), mobile application (01pe-app), and any related services offered by the Company.
“Member” refers to any registered user of the Platform, including Retailers, Distributors, Master Distributors, and State Heads.
“Retailer” refers to a member authorized to offer services/products of the Company directly to end-customers.
“Distributor” refers to a member authorized to manage a network of Retailers under the Company’s policies.
“Master Distributor” refers to a member authorized to manage a network of Distributors and Retailers under the Company’s policies.
“State Head” refers to a member appointed by the Company to oversee operations within a particular state or region.
“Services” refers to all products, services, transactions, functionalities, and features available through the Platform.
“Transaction” means any activity conducted by a Member on the Platform, including payments, recharges, fund transfers, or other services provided by the Company.
“Subscription” refers to any paid or free membership plan, package, or service package offered by the Company to Members.
“Advance Limit / Credit Limit” refers to the maximum amount of advance funds or credit provided by the Company to a Member for transactions on the Platform.
“Prohibited Activities” refers to any actions, uses, or behaviors on the Platform that violate these Terms, applicable laws, or the Company’s policies.
“Confidential Information” means any information disclosed by the Company to a Member that is not publicly available and must be kept confidential.
“Force Majeure” means any event beyond the reasonable control of the Company, including natural disasters, strikes, pandemics, or government actions, that prevents or delays performance.
“Indemnity” refers to the Member’s obligation to compensate the Company for any loss, damage, or liability resulting from the Member’s breach of these Terms or unlawful actions.
“Audit & Compliance” refers to the process of reviewing and verifying a Member’s transactions, records, and adherence to the Company’s policies and applicable laws.
“Non-Refundable Registration Fees” refers to any registration or joining fees paid by a Member which cannot be refunded under any circumstances.
“Operating Costs & Expenses” refers to any costs or expenses incurred by a Member in carrying out their activities under this Agreement.
“Commission” refers to any incentive, earnings, or remuneration payable to a Member as per the Company’s policies.
“Exclusivity & Non-Compete” refers to any restrictions imposed on a Member from engaging in competing services or businesses outside the Company’s platform.
Account Registration:
Each Member must register on the Platform using valid, accurate, and complete personal and business information. Registration constitutes the creation of a legally recognized account.
Single Account Rule:
Each Member is allowed only one account per role (Retailer, Distributor, Master Distributor, or State Head). Creating multiple accounts for the same role is strictly prohibited and may lead to suspension or termination of all accounts at the Company’s discretion.
Account Credentials & Security:
Members are fully responsible for keeping their account credentials (username, password, OTPs, and other authentication details) confidential. Sharing credentials with anyone else is strictly prohibited.
Authorized Use:
The account must only be used by the registered Member. Any unauthorized use, including by employees or agents, is prohibited unless explicitly permitted by the Company.
Accuracy of Information:
Members must ensure that all information provided is accurate and up-to-date. Any changes in personal, business, or contact information must be promptly updated. Failure to maintain accurate information may result in suspension or restriction of account access.
Legal Responsibility and Liability:
All actions, transactions, and communications conducted through a Member’s account are legally attributed to that Member. Members are fully responsible for any misuse, fraudulent activity, or violation of these Terms and Use conducted via their account.
Account Suspension, Termination, or Restriction:
The Company reserves the right, at its sole discretion, to suspend, restrict, or terminate a Member’s account if:
The Member breaches these Terms and Use or applicable laws.
The account is used for illegal, unethical, or fraudulent purposes.
Suspicious activity or security breaches are detected.
The Member fails to provide required documents or information as requested by the Company.
Recovery and Restoration:
The Company may, at its sole discretion, restore an account suspended or terminated for violations after verifying compliance with Company policies and legal requirements.
Company Rights:
The Company reserves the right to monitor account activity, enforce security protocols, investigate any misuse, and take legal or remedial action against Members violating these Terms and Use.
Account Ownership Verification:
The Company may require verification of ownership and identity before approving or maintaining an account. Non-compliance may result in account suspension.
Prohibition on Account Transfer:
Accounts are non-transferable. Members may not sell, assign, or otherwise transfer their account or associated rights to any third party without prior written consent from the Company.
Transaction Accountability:
All financial transactions executed through the account are the sole responsibility of the Member. Any disputes arising from unauthorized use must be reported immediately.
Compliance with Policies:
Members must adhere to all Company policies, guidelines, and regulatory requirements applicable to their account. Violation may lead to penalties, suspension, or termination.
Audit and Record-Keeping:
The Company may audit any account to ensure compliance. Members must maintain accurate records of transactions and provide documents when requested.
Security Incident Reporting:
Members must immediately notify the Company of any suspected security breach, unauthorized access, or misuse of their account. Failure to report may result in liability for losses incurred.
Restriction on Sharing Sensitive Information:
Members must not share confidential company data, login credentials, or transaction details with any unauthorized person.
Responsibility for Sub-Users/Agents:
If a Member allows employees or agents to access the account with permission, the Member remains fully responsible for their actions and compliance.
Suspicious Activity Monitoring:
Members acknowledge and accept that the Company may monitor account activity to detect fraud, unauthorized use, or other security threats.
Account Deactivation upon Non-Compliance:
Accounts found in persistent violation of Terms, inactive for extended periods, or associated with legal/regulatory issues may be permanently deactivated by the Company.
Indemnification for Account Misuse:
Members agree to indemnify and hold the Company harmless from any losses, damages, or legal consequences arising from misuse, negligence, or violation of these Terms through their account.
Accuracy of Information:
Members must provide complete, accurate, and up-to-date information when registering on the Platform and while using its services.
Verification:
The Company may verify the information provided by the Member at any time. Submission of false, misleading, or incomplete information may lead to suspension, termination, or legal action.
Updates & Changes:
Members are required to immediately update any changes in personal, business, financial, or contact information to ensure accuracy and compliance with Company policies.
Legal Responsibility:
Members are legally responsible for the accuracy of all information provided. Any losses, damages, or issues arising from inaccurate data will be attributed to the Member.
Documentation:
Members may be required to submit supporting documents to verify identity, address, financial status, or other information. Failure to provide requested documents may result in account restrictions or termination.
Data for Transactions:
All transactions initiated by Members must contain accurate data, including amounts, beneficiary details, and reference information. Incorrect data may result in failed transactions or liability for the Member.
Audit & Compliance:
The Company may conduct audits to verify the accuracy of data provided by Members. Members must cooperate and provide necessary documents or information.
Notification of Errors:
Members must promptly notify the Company of any errors, discrepancies, or inconsistencies in the data displayed on the Platform.
Prohibition on Misrepresentation:
Members must not knowingly submit false, misleading, or fraudulent information. Such actions may lead to legal consequences, penalties, or termination of account.
Data Security & Integrity:
Members must ensure the security and integrity of their data. Sharing sensitive data with unauthorized parties is strictly prohibited.
Consequences of Inaccurate Data:
The Company is not responsible for any loss or damage resulting from inaccurate, incomplete, or outdated information provided by Members.
Regulatory Compliance:
Members must ensure that their data complies with applicable laws, regulations, and guidelines, including KYC, AML, and other statutory requirements.
Responsibility for Third-Party Data:
If a Member provides information on behalf of a third party, the Member is fully responsible for its accuracy and legality.
Periodic Review:
The Company may require periodic review or re-verification of Member data to ensure ongoing compliance.
Member Acknowledgment:
By using the Platform, Members acknowledge their responsibility to provide and maintain accurate, truthful, and complete information at all times.
Definition:
Subscription refers to a plan under which a member is granted access to the platform’s services for a specified period, allowing the member to use the services at minimal charges.
Eligibility:
Only registered Members are eligible to purchase and use a subscription.
Subscription Plans:
Available options include 1 month & 2 months.
Fees:
Subscription fees are determined according to the chosen plan and notified by the Company.
Non-Refundable:
All subscription fees are strictly non-refundable under any circumstances.
Activation:
A subscription becomes active only after successful payment and confirmation by the Company.
Duration:
Each subscription is valid for the specified period. Services will automatically cease upon expiration.
Transaction Limit:
Members may conduct transactions only up to the Transaction Limit assigned under their subscription plan.
Post-Transaction Renewal:
After reaching the transaction limit, Members must pay the renewal fee to reactivate services for further transactions.
Upgrade:
Members may upgrade their subscription to a higher plan. Applicable fees for upgrades are non-refundable.
Downgrade:
Members may downgrade to a lower plan. Applicable fees for downgrades are non-refundable.
Access Rights:
Services are accessible only during the active subscription period.
Non-Transferable:
Subscriptions are personal and cannot be transferred, assigned, or shared with any other Member.
Suspension:
Subscriptions may be suspended for policy violations, fraudulent activity, or non-payment. Subscription fees remain non-refundable.
Termination:
Services will automatically cease upon the expiration of the subscription period or as a result of violations of these Terms and Use.
Renewal:
Subscriptions can be renewed by paying the applicable renewal fee, either before or after expiration, to continue accessing services.
Compliance:
Subscriptions must be used in accordance with all Platform policies, guidelines, and applicable laws.
Trial Period:
If a trial period is offered, its terms are defined separately. Trial access is limited, and no fees are refundable.
Acknowledgment:
Members fully acknowledge that subscription fees are non-refundable. Any violation of platform policies may result in suspension or termination of subscription services.
Modification of Plans:
The Company reserves the right to modify subscription plans, fees, transaction limits, or features at any time without prior notice.
Definition:
The Advance Limit is a service provided by the Company to its members under a specific ACO Package. Through this facility, members are allowed to request an advance amount for availing certain services offered on the approved platform by the Company.
Eligibility:
Only those members who have been registered and active for a minimum of 15 days shall be eligible to request activation of the ACO Package. The member’s eligibility will be verified based on the Company’s official records.
Request and Approval:
Members must submit an advance amount request through the platform to avail the service. The platform will verify the member’s ACO package and, based on auto-service timing and eligibility criteria, may approve or reject the request. The advance amount will be credited to the member’s wallet only after approval.
Usage Limitation:
The approved advance amount may only be used for services specified and authorized by the Company. Use of the advance amount for any unauthorized or unapproved service is strictly prohibited. If a member utilizes the advance funds for such unauthorized purposes, the Company may impose a penalty of up to ₹200, which will be automatically deducted from the member’s ID/account. In such cases, the member shall be solely responsible, and the Company shall bear no liability whatsoever.
Repayment Timeline:
Members must repay the entire advance amount to the company within 2 days from the date of approval for amounts less than ₹25,000, and within 1 day from the date of approval for amounts greater than ₹25,000.
Limit settlement will close after 7:00 PM; members must deposit the limit amount before 7:00 PM.
Limit approval will not be granted after 7:00 PM; members must obtain limit approval before 7:00 PM.
Timely repayment of the advance amount is the sole responsibility of the member.
The Company shall not be held liable for any delayed or unpaid amount.
Funds taken from the advance limit must be repaid only via the member's ID Wallet or Cash.
If the member repays the funds through any other mode, an additional charge of 0.15% on the total amount will apply.
However, if necessary, the Company may accept payments through other means as well.
Late Payment Penalty:
If repayment of the advance amount is delayed by more than 24-48 hours, the Company will impose a penalty of ₹50 for the first day.
If the member still fails to make the payment, a penalty of ₹600 per additional day will be charged.
The penalty amount will be automatically deducted from the member’s wallet.
In such cases, the member shall be fully responsible, and the Company shall not be held liable in any manner.
Wallet Automatic Deduction:
The Company may automatically deduct any due fees, penalties, or charges from the Member’s wallet.
Insufficient Wallet Balance:
In case the member’s wallet balance is found to be insufficient, the member must ensure that the wallet maintains an adequate balance at all times., Maintaining sufficient wallet balance shall be the sole responsibility of the member., Failure to do so will result in an additional charge of ₹50 per hour, payable to the Company.
Certificate Requirement:
Each advance request is approved based on a certificate/approval document issued by the Company.
Certificate Issuance Frequency:
Certificates may be issued monthly, quarterly, or as determined by the Company.
Package Options:
Advance Limit is available in different packages with specific limits, monthly transaction targets, and conditions.
Package Activation Fee (Non-Refundable):
To activate a package, Members must pay a non-refundable activation fee.
Upgrade / Downgrade:
Package upgrades or downgrades require written approval from the Company. Associated fees are non-refundable.
Security / Collateral Requirement:
Before activating a member’s ACO Package, the Company will require the following security measures:
Submission of a Declaration Letter by the member.
Deposit of a bank cheque of ₹2,00,000.
Verification of the member’s KYC and other necessary documents.
The package will be activated only after completing all the above requirements.
The Company reserves the right to cancel the package under any circumstances and may update or modify the process from time to time.
Members are required to comply with all new procedures for their work and KYC.
Guarantor Requirement:
Members must provide one family member as a guarantor. The guarantor must sign an agreement accepting repayment responsibility. Without this, the service will not be activated.
Recovery via Security Check:
If a member fails to make the payment or refuses to pay, and the wallet balance is insufficient,
the Company may recover the amount using the security bank cheque deposited by the member.
If there is insufficient balance in the bank, the Company may initiate legal action under the relevant sections of the Indian Penal Code (IPC) and other applicable laws (as per SD/SSY) to recover the amount.
The member consents to this process in advance and shall be liable for all legal and administrative costs incurred during recovery.
Legal Expenses & Compensation:
Any legal, court, or administrative costs incurred during fund recovery may be claimed from the Member.
Monthly Transaction Target & Charges:
Each package has a monthly transaction target. Failure to meet the target incurs a 0.60% charge on the remaining transaction amount. The Company may adjust this rate with prior notice.
Charge Recovery Method:
The 0.60% charge may be automatically deducted from the Member’s wallet. If insufficient, the Member must pay separately. The Company may also recover charges via the security deposit.
Acknowledgment & Compliance:
By using Advance Limit, Members acknowledge and accept that:
All package fees and activation charges are non-refundable.
Repayment of advance funds is mandatory.
Penalties apply for late repayment.
Wallet automatic deduction is permitted.
The Company has full legal rights to recover due amounts through security deposits, bank checks, or other means.
Definition:
This section governs the integration of Subscription plans and Advance Limit services to ensure smooth usage of platform services by Members.
Eligibility:
Only Members with an active subscription are eligible to request or use the Advance Limit service.
Activation Condition:
Advance Limit requests can only be processed after verification of an active subscription plan.
Transaction Limit Dependency:
The maximum Advance Limit available to a Member is determined by their current subscription plan and package limits.
Usage Coordination:
Funds from Advance Limit can be used only for services included in the Member’s subscription.
Priority of Payment:
Subscription fees must be paid first before any Advance Limit fund request is approved.
Non-Refundable Fees:
Activation fees for subscriptions and packages linked to Advance Limit are strictly non-refundable.
Upgrade Coordination:
Upgrading a subscription may automatically increase the available Advance Limit according to Company policies.
Downgrade Coordination:
Downgrading a subscription may reduce the available Advance Limit. Members must ensure they have sufficient funds to meet repayment obligations.
Repayment Compliance:
Members must comply with all repayment timelines of the Advance Limit, irrespective of subscription upgrades or downgrades.
Account Status Monitoring:
The Company may suspend Advance Limit services if the subscription is expired, inactive, or in violation of platform policies.
Combined Audit:
The Company may audit combined Subscription and Advance Limit usage to verify compliance, transaction limits, and repayment obligations.
Automatic Deduction:
Any fees, penalties, or charges due from Advance Limit or subscription will be automatically deducted from the Member’s wallet.
Insufficient Balance Handling:
If wallet balance is insufficient, the Member must pay outstanding amounts separately. Failure to do so may lead to suspension or legal action.
Package Adjustment:
Subscription plan adjustments may affect Advance Limit packages and transaction limits. Members are responsible for ensuring compliance.
Notification of Changes:
The Company will notify Members of any changes in subscription plans or Advance Limit rules, but non-receipt of notice does not exempt the Member from compliance.
Security & Collateral Coordination:
Collateral or guarantor requirements for Advance Limit apply regardless of subscription plan adjustments.
Policy Violation Consequences:
Violating policies related to either subscription or Advance Limit may lead to suspension, termination, or legal recovery of funds.
Acknowledgment & Acceptance:
By using integrated services, Members acknowledge and accept that:
All related fees are non-refundable,
Repayment obligations are mandatory, and
The Company has the right to enforce deductions, recovery, or legal measures.
20. Regulatory Compliance:
Definition:
Third-Party Services refer to any external services, platforms, or APIs integrated into the Company’s Platform for transactional or informational purposes.
Eligibility:
Only registered and active Members are permitted to access Third-Party Services through the Platform.
Service Scope:
Members may use Third-Party Services only for purposes explicitly permitted by the Company and in accordance with applicable laws.
Third-Party Terms:
Use of Third-Party Services is subject to the terms, conditions, and privacy policies of the respective third-party providers.
No Company Guarantee:
The Company does not guarantee the availability, accuracy, quality, or reliability of Third-Party Services.
Transaction Responsibility:
Members are fully responsible for transactions, payments, or actions performed using Third-Party Services.
Compliance:
All activities conducted via Third-Party Services must comply with Company policies, regulations, and legal requirements.
Integration Updates:
The Company may update, modify, or discontinue Third-Party Service integration at any time without prior notice.
Technical Limitations:
The Company is not liable for technical failures, downtime, delays, or errors in Third-Party Services.
Data Sharing:
By using Third-Party Services, Members consent to the sharing of relevant data with third-party providers as necessary for service execution.
Prohibited Use:
Members must not misuse, manipulate, or exploit Third-Party Services in any manner, including fraudulent activities or bypassing platform restrictions.
Fees and Charges:
Any fees, commissions, or charges imposed by third-party providers are the responsibility of the Member unless explicitly covered by the Company.
Dispute Resolution:
Any disputes arising from Third-Party Services must first be reported to the Company. The Company will coordinate with third-party providers, but ultimate responsibility may rest with the Member.
Security Measures:
Members must adhere to security protocols when using Third-Party Services to protect their data and accounts.
Access Termination:
The Company may suspend or terminate access to Third-Party Services for Members violating rules, policies, or engaging in fraudulent or illegal activities.
Audit Rights:
The Company reserves the right to audit Third-Party Service usage for compliance, security, and regulatory purposes.
No Liability for Third Parties:
The Company is not liable for any loss, damage, or inconvenience caused by third-party service failures or misconduct.
Notification of Changes:
The Company may notify Members of updates, enhancements, or termination of Third-Party Services but is not legally bound to provide prior notice.
Member Acknowledgment:
By using Third-Party Services, Members acknowledge that:
The Company is not responsible for third-party failures,
Compliance with all applicable rules is mandatory, and
All actions performed via third-party services are at Member’s own risk.
20. Regulatory Compliance:
Definition:
Third-Party Integrations refer to the technical incorporation of external services, APIs, or platforms into the Company’s Platform to facilitate various functionalities.
Eligibility:
Only registered and active Members may access features enabled through Third-Party Integrations.
Integration Scope:
Members may use Third-Party Integrations only for activities explicitly permitted by the Company.
Third-Party Terms:
All Third-Party Integrations are subject to the respective third-party’s terms, conditions, and privacy policies.
No Company Guarantee:
The Company does not guarantee uninterrupted service, accuracy, or reliability of any integrated third-party service.
Technical Dependency:
Service availability and functionality depend on the third-party provider’s systems.
Data Sharing:
Members consent to sharing necessary data with third-party providers for service execution.
Prohibited Use:
Members must not manipulate, misuse, or bypass any security or transaction limits within Third-Party Integrations.
Compliance:
All usage must comply with applicable laws, regulations, and Company policies.
Fees and Charges:
Any third-party fees or charges are the responsibility of the Member unless explicitly borne by the Company.
Transaction Responsibility:
Members are solely responsible for all transactions carried out through Third-Party Integrations.
Dispute Resolution:
Disputes arising from third-party services should first be reported to the Company. The Company will assist, but ultimate responsibility may rest with the Member.
Integration Updates:
The Company may modify, suspend, or terminate any Third-Party Integration at its discretion without prior notice.
Audit Rights:
The Company reserves the right to audit the use of Third-Party Integrations for compliance, security, and regulatory purposes.
Access Termination:
Access to any Third-Party Integration may be suspended or terminated for policy violations, fraudulent activity, or illegal actions.
Security Measures:
Members must adhere to security protocols to protect accounts, data, and transactions during integration use.
No Liability for Third Parties:
The Company is not liable for losses, damages, or errors caused by third-party systems or misconduct.
Notification of Changes:
The Company may notify Members about updates or termination of integrations, but is not legally bound to provide advance notice.
Member Acknowledgment:
By using Third-Party Integrations, Members acknowledge that:
The Company is not responsible for third-party errors, downtime, or failure,
Compliance with rules is mandatory, and
All actions performed are at Member’s own risk.
20. Regulatory Compliance:
Right of Use: The user may utilize this service solely for performing valid mobile, DTH, or other authorized recharges for themselves or their authorized customers. The service shall be used only for lawful, genuine, and legitimate purposes. Any misuse, unauthorized activity, or fraudulent transaction is strictly prohibited and may attract legal action.
Accuracy of Information: The user is solely responsible for ensuring that all recharge-related details — including mobile number, operator, and amount — are entered accurately and completely. The Company shall not be responsible for any loss, failure, or inconvenience arising due to incorrect or incomplete information entered by the user.
Disclaimer of Liability:The Company shall not be liable for any financial, technical, or system-related loss, damage, or error arising from:
Incorrect information submitted by the user;
Network, server, operator, or internet failures;
or Any malfunction or delay caused by third-party service providers.
All such risks and consequences shall be borne solely by the user.
Refund Policy: No refund shall be provided once a transaction has been successfully completed. Refunds may only be considered when the payment has been processed successfully but the service (SIM or DTH recharge) has not been delivered. Refunds shall be processed only after verification and confirmation from the respective service provider, and the Company shall not be obligated to issue a refund until such confirmation is received.
Prohibited Use: The use of this service for any illegal, fraudulent, or unauthorized purpose is strictly prohibited. In case of misuse, suspicious activity, or violation of applicable laws or policies, the Company reserves the right to suspend or terminate the user’s access to the service, either temporarily or permanently, and may initiate legal proceedings as deemed appropriate.
Company Rights: The Company reserves the right to modify, suspend, or discontinue this service, in whole or in part, at any time and without prior notice. The Company also reserves the right to restrict, suspend, or terminate a user’s access if misuse, fraud, or non-compliance with this policy is suspected.
Indemnity: The user agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, and partners from and against any loss, damage, liability, cost, or expense (including legal fees) arising directly or indirectly from:
Misuse of the service,
Submission of false or inaccurate information,
or Violation of these terms or any applicable law or regulation.
Data Privacy and Protection: The user shall ensure that all customer-related data, including mobile numbers, account details, and personal information, are collected and handled responsibly in compliance with the Information Technology Act, 2000, and applicable data protection laws. The Company shall not be liable for any data breach, misuse, or disclosure caused due to negligence, unauthorized access, or mishandling by the user.
Jurisdiction and Dispute Resolution: This policy and all transactions under it shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this service shall fall under the exclusive jurisdiction of the competent courts located in Jhunjhunu/Rajasthan.
Right of Use: The AEPS service is available solely to certified and authorized users and their clients. Users shall utilize biometric credentials only with the explicit consent of the individual concerned. The service must be used strictly for lawful and authorized financial transactions.
Accuracy of Information: The user is responsible for ensuring that all required details — including bank name, Aadhaar number, and biometric data — are accurate, complete, and belong to the customer. Only the customer’s own verified information should be used for AEPS transactions.
Transaction Recording: All AEPS transactions must be properly recorded and maintained in accordance with NPCI and RBI guidelines. Maintaining accurate records of every transaction is mandatory for audit and compliance purposes.
Customer Confirmation: Before disbursing cash to a customer, the user must obtain the customer’s confirmation and signature in the register, confirming that the cash has been correctly handed over.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or error arising from:
Biometric authentication failure,
Network, bank, NPCI, or third-party service errors,
Incorrect or incomplete information provided by the user.
All such risks and consequences shall be borne solely by the user.
Refund Policy: Refunds related to AEPS transactions shall be provided strictly in accordance with NPCI, AEPS, and RBI guidelines, and only upon verification and confirmation from the respective bank or regulatory authority. The Company acts as a facilitator and shall not be held responsible for any delay or rejection by the bank.
Prohibited Use: Any unauthorized use of biometric credentials, fraudulent activity, or financial misuse is strictly prohibited. The Company reserves the right to suspend or terminate access to the service for any user found engaging in prohibited activities and may take appropriate legal action.
Compliance and Regulatory Adherence: All AEPS transactions must comply with applicable guidelines and regulations issued by NPCI, AEPS, and the Reserve Bank of India (RBI). Users are responsible for ensuring full compliance at all times.
Data Privacy and Security: Users must ensure the safe handling, storage, and confidentiality of all biometric and personal data in compliance with the Information Technology Act, 2000, and UIDAI security standards. The Company shall not be responsible for any data breach or misuse caused due to user negligence or unauthorized access.
Indemnity: The user agrees to indemnify and hold harmless the Company, its officers, and partners from any claim, loss, penalty, or damage arising from misuse, non-compliance, negligence, or violation of applicable laws and guidelines during AEPS transactions.
Company Rights: The Company reserves the right to modify, suspend, or discontinue the AEPS service, its terms, or availability at any time without prior notice. The Company also reserves the right to restrict, suspend, or terminate a user’s access if misuse, fraud, or regulatory non-compliance is suspected.
Jurisdiction and Governing Law: This policy shall be governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts located in Jhunjhunu/Rajasthan.
Right of Use: The DMT service may be used solely for genuine, valid, and authorized domestic money transfers. Use of this service for any illegal, unauthorized, or fraudulent purpose is strictly prohibited.
Customer Verification: Before initiating any DMT transaction, all members must verify the identity of the customer using valid government-issued identification such as Aadhaar Card, PAN Card, or Voter ID.
All customer KYC and transaction records must be maintained in accordance with the guidelines prescribed by the Reserve Bank of India (RBI) and the Prevention of Money Laundering Act (PMLA).
Failure to verify customer identity or maintain proper records shall be the sole responsibility of the member.
Accuracy of Information: The member is solely responsible for ensuring that all details required for a transaction — including bank account number, IFSC code, and recipient name — are accurate and complete.
The Company shall not be liable for any financial loss, error, or delay resulting from incorrect or incomplete information provided by the member or customer.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or error arising from:
Incorrect bank account number or IFSC entry,
Network, bank, or third-party system errors,
Transaction delays due to technical or regulatory issues,
Member’s failure to perform due verification or maintain records.
All such risks and consequences shall be borne solely by the member.
Chargeback Policy and Company Rights: In the event of a chargeback or dispute raised by the bank or customer against any transaction initiated by a member, the Company shall not be held liable for any such amount. The Company reserves the right to debit the corresponding amount from the member’s account or wallet and may suspend the account pending investigation.
Refund Policy: If a transaction fails at the bank level, the amount will be refunded as per the bank’s refund timelines and procedures.
If a transaction is marked “Under Process,” verification and settlement may take between 3 to 7 business days.
Once the bank confirms failure, the refunded amount shall be credited to the member’s wallet.
The Company acts solely as an intermediary and shall not be responsible for refund delays caused by banks or payment gateways.
Compliance and Record Retention: All DMT transactions and KYC verification records must be preserved in accordance with RBI, NPCI, and PMLA guidelines for audit and regulatory purposes.
Members must cooperate with regulatory or legal authorities in case of any investigation.
Indemnity: The member agrees to indemnify and hold harmless the Company, its directors, and partners from any claims, penalties, or losses arising out of misuse, negligence, or non-compliance with laws, including but not limited to RBI, NPCI, or AML regulations.
Prohibited Use: The DMT service shall not be used for money laundering, terror financing, or any unlawful financial activity. Any suspicious transaction may be reported to the appropriate authorities as per law.
Time-bound Legal Action Restriction: If a transaction is failed or remains under process, the member shall not initiate any legal or formal complaint before a minimum of 7 business days have passed from the date of the transaction.
Data Privacy and Confidentiality: All customer and transaction data must be handled securely and in accordance with the Information Technology Act, 2000, and other applicable data protection laws. Members must prevent any unauthorized access, sharing, or misuse of customer information.
Company Rights: The Company reserves the right to suspend, modify, or terminate the DMT service or the member’s access at any time, without prior notice, in cases of suspicious activity, fraud, or non-compliance with applicable laws or company policy.
Governing Law and Jurisdiction: This policy shall be governed by and construed in accordance with the laws of India. Any dispute arising under or in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts located at Jhunjhunu/Rajasthan.
Right of Use: The BBPS service may be used solely for legitimate and authentic bill payments, including but not limited to electricity, water, gas, telephone, broadband, and other approved utility services. The service must not be used for any unauthorized, fraudulent, or illegal purpose.
Accuracy of Information: The user is solely responsible for providing accurate and complete details for bill payment, including consumer number, operator, account details, and other relevant information. Any error or omission in entering such details shall be the sole responsibility of the user. The Company shall not be liable for payments made to incorrect accounts or consumer numbers.
Transaction Records: All bill payment transaction details must be recorded and retained by the user in compliance with NPCI and RBI BBPS guidelines. Users shall maintain proper records and receipts of payments made through the BBPS service for audit and verification purposes.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or error arising from:
Incorrect consumer number or payment details,
Service provider or network/server errors,
Delay, duplication, or failure of third-party systems,
Technical issues beyond the Company’s control.
All risks, errors, or delays in payment processing shall be borne solely by the user.
Refund Policy: If a payment is successfully processed but not acknowledged or rejected by the bill provider, the refund shall be subject to verification and confirmation by the respective utility provider or bank. The Company acts only as an intermediary and shall not be responsible for delays, denials, or discrepancies arising at the service provider’s end.
Refunds, if applicable, shall be credited in accordance with NPCI and BBPS refund rules.
Compliance Requirement: All users must strictly adhere to the regulatory frameworks, circulars, and guidelines issued by NPCI, BBPS, and the Reserve Bank of India (RBI). Failure to comply may result in suspension or termination of access to the BBPS service.
Prohibited Use: Use of this service for money laundering, fraudulent transactions, or other illegal activities is strictly prohibited. The Company reserves the right to suspend or terminate a user’s access immediately if suspicious or non-compliant activities are detected.
Data Privacy and Confidentiality: All customer data, payment details, and billing information must be handled in compliance with the Information Technology Act, 2000, and applicable data protection laws. Users must ensure confidentiality and prevent unauthorized access, sharing, or misuse of sensitive information.
Indemnity: The user agrees to indemnify and hold harmless the Company, its directors, and partners from any losses, claims, or penalties arising from incorrect data entry, non-compliance, misuse of service, or violation of regulatory provisions.
Company Rights: The Company reserves the right to modify, suspend, or discontinue the BBPS service, including charges, terms, or procedures, at any time without prior notice. The Company may also restrict or terminate access in case of fraudulent, non-compliant, or suspicious activity.
Jurisdiction and Governing Law: This policy shall be governed by and construed in accordance with the laws of India. Any disputes arising in connection with this service shall be subject to the exclusive jurisdiction of the competent courts located in Jhunjhunu/Rajasthan.
Right of Use: The UPI DMT service may be used solely for genuine, valid, and authorized UPI-based money transfers. Use of this service for any illegal, unauthorized, or fraudulent purpose is strictly prohibited.
Customer Verification: Before initiating any UPI DMT transaction, all members must verify the identity of the customer using valid government-issued identification such as Aadhaar Card, PAN Card, Voter ID, or other recognized ID proof.
All customer KYC and transaction records must be maintained in accordance with RBI, NPCI, and PMLA guidelines.
Failure to verify customer identity or maintain proper records shall be the sole responsibility of the member.
Accuracy of Information: The member is solely responsible for ensuring that all details required for a transaction — including UPI ID, recipient details, and transaction amount — are accurate and complete.
The Company shall not be liable for any financial loss, error, or delay resulting from incorrect or incomplete information provided by the member or customer.
Transaction Recording: All UPI DMT transactions must be properly recorded and maintained for audit and regulatory purposes.
Members must retain auditable records of all transactions as per RBI, NPCI, and PMLA guidelines.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or error arising from:
Incorrect UPI ID or recipient details entered by the member,
Network, bank, NPCI, or third-party system failures,
Transaction delays due to technical or regulatory issues,
Member’s failure to perform due verification or maintain records.
All such risks and consequences shall be borne solely by the member.
Refund Policy: If a transaction fails at the bank or UPI system level, the amount will be refunded according to the bank’s or payment gateway’s timelines and procedures.
Transactions marked “Under Process” may require 3–7 business days for verification and settlement.
Upon confirmation of failure, the refunded amount will be credited to the member’s wallet.
The Company acts solely as an intermediary and is not responsible for refund delays caused by banks or payment gateways.
Chargeback Policy and Company Rights: In the event of a chargeback against any transaction initiated by a member, the Company shall not be responsible for any such amount.
The Company reserves the right to debit the member’s account/wallet for the chargeback amount and may suspend the account pending investigation.
Prohibited Use: The UPI DMT service shall not be used for money laundering, terror financing, or any unlawful financial activity.
Any suspicious transaction may be reported to regulatory or law enforcement authorities as per applicable law.
Time-bound Legal Action Restriction: Members shall not initiate any legal or formal complaint regarding failed or under-process transactions before a minimum of 7 business days have passed from the transaction date.
Data Privacy and Confidentiality: All customer and transaction data must be handled securely and in compliance with the Information Technology Act, 2000, and other applicable data protection laws. Members must prevent any unauthorized access, sharing, or misuse of customer information.
Compliance and Regulatory Adherence: All transactions must comply with RBI, NPCI, and PMLA guidelines. Members must cooperate with regulatory or legal authorities for any investigation.
Indemnity: Members agree to indemnify and hold harmless the Company, its directors, and partners from any claims, penalties, or losses arising from misuse, negligence, or non-compliance with applicable laws or regulatory guidelines.
Company Rights: The Company reserves the right to suspend, modify, or terminate the UPI DMT service or the member’s access at any time without prior notice, in cases of suspicious activity, fraud, or non-compliance with laws or company policy.
Governing Law and Jurisdiction: This policy shall be governed by and construed in accordance with the laws of India. Any dispute arising under or in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts located at Jhunjhunu/Rajasthan.
Right of Use: The M-ATM service may be used solely for authorized cash withdrawals and balance inquiries. Any other or unauthorized use of this service is strictly prohibited.
Customer Verification (KYC): Members must verify the identity of the customer before performing any transaction using valid government-issued ID proofs (e.g., Aadhaar Card, PAN Card, Voter ID).
All verification and transaction records must be maintained in accordance with RBI, NPCI, and PMLA guidelines.
Failure to perform proper verification or maintain records is the sole responsibility of the member.
Accuracy of Information: Members are fully responsible for ensuring the accuracy of card details, bank account information, and requested withdrawal amount. Any loss, error, or delay arising from incorrect or incomplete information shall be borne solely by the member.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or inconvenience resulting from:
Card rejection,
Network or bank errors,
Third-party technical issues, or
Member’s failure to verify customers or maintain proper records.
Refund Policy: Refunds will be processed only upon confirmation of a failed transaction at the bank level.
The process and timeline of refund will depend entirely on the bank’s verification and settlement procedures.
The Company acts solely as an intermediary and is not liable for delays caused by banks or third-party service providers.
Prohibited Use: The M-ATM service must not be used for money laundering, unauthorized cash transactions, or any illegal financial activity.
Any misuse may result in account suspension, legal action, and reporting to regulatory authorities.
Data Privacy and Confidentiality: All customer and transaction data must be handled securely in accordance with applicable laws, including the Information Technology Act, 2000.
Members must ensure that sensitive information such as PINs, OTPs, and account details are not shared or misused.
Compliance and Regulatory Adherence: All transactions must comply with applicable RBI, NPCI, and PMLA regulations. Members must cooperate with regulatory or legal authorities in case of audits or investigations.
Indemnity: Members agree to indemnify and hold harmless the Company, its directors, and partners from any claims, penalties, or losses arising out of misuse, negligence, or non-compliance with applicable laws or regulations.
Company Rights: The Company reserves the right to impose transaction limits, modify service conditions, suspend, or discontinue the M-ATM service at any time without prior notice.
The Company may restrict or terminate access in cases of fraud, suspicious activity, or regulatory non-compliance.
Governing Law and Jurisdiction: This policy shall be governed by the laws of India, and any dispute arising from or relating to the service shall be subject to the exclusive jurisdiction of the competent courts located at Jhunjhunu/Rajasthan.
Right of Use: PAN Card application and processing service shall only be provided to applicants submitting valid and verified documents. Any unauthorized or fraudulent applications are strictly prohibited.
Customer Verification (KYC): Applicants must provide authentic, government-recognized identification documents.
Members processing applications must maintain proper records in compliance with RBI, IT laws, and government regulations.
Failure to comply is the sole responsibility of the applicant or member.
Accuracy of Information: Applicants are responsible for ensuring that all personal details — including name, date of birth, contact information, and supporting documents — are accurate and complete.
The Company shall not be liable for any rejection, delay, or error resulting from incorrect or incomplete information.
Disclaimer of Liability: The Company shall not be liable for:
Submission of incorrect or incomplete documents,
Errors or downtime on government portals, or
Any loss, delay, or rejection caused by the applicant.
Refund Policy: Once the PAN application fee is submitted, it is generally non-refundable.
In exceptional circumstances where a refund is warranted, it will be processed strictly in accordance with the Company’s published policies.
Prohibited Use: Submitting fake, duplicate, or fraudulent PAN applications or violating statutory or regulatory norms is strictly prohibited.
Any violation may result in legal action and permanent disqualification from the service.
Data Privacy and Confidentiality: All applicant information and documents must be handled securely and in accordance with applicable data protection and IT laws.
Unauthorized sharing, access, or misuse of applicant data is strictly prohibited.
Compliance and Regulatory Adherence: All PAN card applications and processing must comply with government regulations and statutory requirements.
Members and applicants must cooperate with authorities in case of audits or investigations.
Indemnity: Applicants and members agree to indemnify and hold harmless the Company, its directors, and partners against any claims, penalties, or losses arising from misuse, fraud, or non-compliance with applicable laws or regulations.
Company Rights: The Company reserves the right to modify procedures, fees, or terms related to PAN card applications.
The Company’s decision regarding acceptance or rejection of any application shall be final.
The Company may suspend, restrict, or terminate access in cases of fraud, misuse, or regulatory non-compliance.
Governing Law and Jurisdiction: This policy shall be governed by the laws of India, and any dispute arising from or relating to the PAN Card service shall be subject to the exclusive jurisdiction of courts located at Jhunjhunu/Rajasthan.
Right of Use: The Payout service may be used solely for genuine, valid, and authorized domestic money transfers. Use of this service for any illegal, unauthorized, or fraudulent purpose is strictly prohibited.
Customer Verification: Before initiating any Payout transaction, all members must verify the identity of the customer using valid government-issued identification such as Aadhaar Card, PAN Card, or Voter ID.
All customer KYC and transaction records must be maintained in accordance with the guidelines prescribed by the Reserve Bank of India (RBI) and the Prevention of Money Laundering Act (PMLA).
Failure to verify customer identity or maintain proper records shall be the sole responsibility of the member.
Accuracy of Information: The member is solely responsible for ensuring that all details required for a transaction — including bank account number, IFSC code, and recipient name — are accurate and complete.
The Company shall not be liable for any financial loss, error, or delay resulting from incorrect or incomplete information provided by the member or customer.
Disclaimer of Liability: The Company shall not be liable for any loss, damage, or error arising from:
Incorrect bank account number or IFSC entry,
Network, bank, or third-party system errors,
Transaction delays due to technical or regulatory issues,
Member’s failure to perform due verification or maintain records.
All such risks and consequences shall be borne solely by the member.
Chargeback Policy and Company Rights: In the event of a chargeback or dispute raised by the bank or customer against any transaction initiated by a member, the Company shall not be held liable for any such amount.
The Company reserves the right to debit the corresponding amount from the member’s account or wallet and may suspend the account pending investigation.
Refund Policy: If a transaction fails at the bank level, the amount will be refunded as per the bank’s refund timelines and procedures.
If a transaction is marked “Under Process,” verification and settlement may take between 3 to 7 business days.
Once the bank confirms failure, the refunded amount shall be credited to the member’s wallet.
The Company acts solely as an intermediary and shall not be responsible for refund delays caused by banks or payment gateways.
Compliance and Record Retention: All Payout transactions and KYC verification records must be preserved in accordance with RBI, NPCI, and PMLA guidelines for audit and regulatory purposes.
Members must cooperate with regulatory or legal authorities in case of any investigation.
Indemnity: The member agrees to indemnify and hold harmless the Company, its directors, and partners from any claims, penalties, or losses arising out of misuse, negligence, or non-compliance with laws, including but not limited to RBI, NPCI, or AML regulations.
Prohibited Use: The Payout service shall not be used for money laundering, terror financing, or any unlawful financial activity. Any suspicious transaction may be reported to the appropriate authorities as per law.
Time-bound Legal Action Restriction: If a transaction is failed or remains under process, the member shall not initiate any legal or formal complaint before a minimum of 7 business days have passed from the date of the transaction.
Data Privacy and Confidentiality: All customer and transaction data must be handled securely and in accordance with the Information Technology Act, 2000, and other applicable data protection laws. Members must prevent any unauthorized access, sharing, or misuse of customer information.
Company Rights: The Company reserves the right to suspend, modify, or terminate the Payout service or the member’s access at any time, without prior notice, in cases of suspicious activity, fraud, or non-compliance with applicable laws or company policy.
Governing Law and Jurisdiction: This policy shall be governed by and construed in accordance with the laws of India. Any dispute arising under or in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts located at Jhunjhunu/Rajasthan.
Definition:
Transactions refer to all financial or non-financial operations performed by Members via the Platform, including payments, transfers, recharges, and payouts.
Eligibility:
Only registered and active Members are permitted to initiate or process transactions.
Transaction Authorization:
All transactions must be authorized using the Member’s account credentials. Sharing login details is strictly prohibited.
Data Accuracy:
Members must provide accurate and complete information for each transaction, including customer account numbers, identification details, and contact information.
Transaction Limits:
All transactions are subject to limits defined by subscription plans, Advance Limits, or regulatory requirements.
Fees and Charges:
Applicable transaction fees, charges, or commissions are disclosed and must be borne by the Member. Non-payment may lead to suspension or termination of services.
Prohibited Transactions:
Members must not engage in fraudulent, illegal, or unauthorized transactions, including money laundering, phishing, or misuse of customer funds.
Transaction Verification:
The Company may verify or audit transactions for accuracy, compliance, and fraud prevention.
Transaction Status:
Transactions may be successful, pending, or failed. The Company is not responsible for third-party delays or failures.
Refunds and Reversals:
Refunds or reversals are governed by the Company’s Refund Policy and third-party rules.
Record Keeping:
Members must maintain accurate records of all transactions for auditing and regulatory purposes.
Suspicious Activity Reporting:
Members are required to report any suspicious, unusual, or unauthorized transactions promptly to the Company.
Compliance with Laws:
All transactions must comply with applicable laws, including RBI, NPCI, GST, and IT regulations.
No Liability for Third-Party Failures:
The Company is not responsible for losses, errors, or delays caused by third-party banks, payment gateways, or service providers.
Dispute Resolution:
Any transaction-related disputes must be reported to the Company immediately. The Company will assist, but ultimate responsibility may lie with the Member.
Audit Rights:
The Company reserves the right to audit any transaction to ensure compliance with policies and regulations.
Transaction Logs:
All transactions are logged and time-stamped for accountability and dispute resolution.
Member Acknowledgment:
By conducting transactions, Members acknowledge that:
They are responsible for accuracy and compliance,
Fees and charges are applicable,
Fraud or unauthorized activity may result in suspension or termination.
19. Security Measures:
20. Regulatory Compliance:
Definition:
Transaction Verification refers to the process of authenticating, validating, and confirming all transactions initiated by Members on the Platform.
Purpose:
The purpose is to ensure accuracy, prevent fraud, and comply with regulatory requirements.
Eligibility:
Only registered and active Members can initiate transactions that require verification.
Authentication Methods:
Transactions may require OTPs, PINs, biometric verification, or other authentication mechanisms as mandated by the Company or third-party providers.
Verification Timeline:
Transactions will be verified immediately or within a reasonable time period as determined by the Company.
Data Accuracy Responsibility:
Members must provide complete and accurate information for verification. Incorrect or incomplete data may result in transaction failure.
Fraud Detection:
The Company may flag transactions for verification if suspicious, irregular, or unusual activity is detected.
Verification Outcome:
Transactions can be approved, pending, or rejected based on verification results.
Pending Transactions:
Pending transactions may be held for additional verification, regulatory checks, or third-party confirmation.
Rejected Transactions:
If a transaction fails verification, it may be rejected, and the Member will be notified immediately.
Transaction Adjustment:
Failed or rejected transactions may be reversed or corrected, subject to Company policy and third-party rules.
Audit Logging:
All verification attempts, approvals, and rejections are logged for auditing and compliance purposes.
Member Notification:
Members will be notified of verification results via email, SMS, or in-app notifications.
Dispute Resolution:
Members may raise disputes regarding verification outcomes. The Company will investigate and provide resolution, but ultimate responsibility rests with the Member for accurate input.
Non-Liability for Third Parties:
The Company is not liable for delays, failures, or errors caused by third-party verification services.
Security Measures:
Verification processes are designed to protect sensitive data and prevent unauthorized transactions. Members must follow all security protocols.
Regulatory Compliance:
All verifications comply with applicable laws, including RBI, NPCI, GST, and IT regulations.
Audit & Monitoring Rights:
The Company reserves the right to audit and monitor all verification processes for accuracy, fraud prevention, and regulatory compliance.
Member Acknowledgment:
By initiating a transaction, Members acknowledge that:
Verification is mandatory,
Company may reject or hold transactions for compliance/fraud reasons,
They are responsible for accurate data and compliance.
20. Legal Protection:
Definition:
Prohibited Activities refer to any actions or conduct by Members that are illegal, unethical, fraudulent, or violate Company policies and applicable laws.
Illegal Activities:
Members must not use the Platform for any unlawful purpose, including money laundering, terrorism financing, or illegal trade.
Fraudulent Transactions:
Any attempt to commit fraud, misrepresentation, or deceptive practices is strictly prohibited.
Unauthorized Access:
Accessing another Member’s account, credentials, or Company systems without authorization is forbidden.
Third-Party Misuse:
Members must not use the Platform to facilitate unauthorized transactions or misuse third-party accounts.
Data Tampering:
Altering, manipulating, or falsifying transaction data, reports, or records is prohibited.
Spamming & Advertising:
Sending unsolicited messages, advertisements, or promotions without Company approval is not allowed.
Violation of Regulatory Guidelines:
Members must not violate RBI, NPCI, GST, IT laws, or other applicable government regulations.
Cybercrime:
Engaging in hacking, phishing, malware, or any cyber-related criminal activity is strictly prohibited.
Impersonation:
Pretending to be another Member, Company employee, or third-party representative is forbidden.
Resale / Unauthorized Distribution:
Selling or distributing Company services, software, or credentials without authorization is prohibited.
Non-Compliance with Security Protocols:
Ignoring required security measures, such as OTPs, PINs, or biometric verification, is prohibited.
Unauthorized API / Integration Use:
Using Platform APIs, integrations, or software in unauthorized ways is forbidden.
Abuse of Transaction Limits or Credits:
Manipulating, bypassing, or exploiting transaction limits, credits, or advance funds is prohibited.
Illegal Marketing Practices:
Members must not engage in false claims, misleading offers, or unauthorized promotions.
Harassment or Abuse:
Harassing, threatening, or abusing customers, other Members, or Company employees is prohibited.
Suspicious Activity:
Engaging in any activity that appears suspicious, irregular, or potentially fraudulent is forbidden.
Violation of Intellectual Property:
Infringing on Company or third-party intellectual property rights is prohibited.
Account Misuse:
Using accounts for personal gain beyond approved business operations or for any activity not permitted by the Company is prohibited.
Consequences:
Violation of any Prohibited Activities may lead to suspension, termination, legal action, and/or financial liability.
Definition:
Members must follow all applicable regulatory and statutory guidelines issued by RBI, NPCI, GST authorities, IT laws, and other government bodies while using the Platform.
Mandatory Adherence:
All financial and non-financial transactions conducted via the Platform must comply with prevailing laws and regulations.
KYC Compliance:
Members must ensure that KYC (Know Your Customer) procedures are correctly completed for all customers and transactions.
AML/CFT Compliance:
Members must adhere to Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT) regulations.
Transaction Reporting:
Transactions exceeding regulatory thresholds must be reported to the relevant authorities as required by law.
Data Retention:
All transaction and customer data must be maintained as per regulatory guidelines for audits and inspections.
Regulatory Changes:
Members must stay updated on changes in laws, RBI/NPCI guidelines, and other statutory requirements.
Suspicious Activity Reporting:
Members must promptly report suspicious transactions or activities to the Company and relevant authorities.
Transaction Limits:
Members must ensure that transactions adhere to limits set by regulatory authorities or the Company.
Customer Consent:
All transactions must be conducted with the explicit consent of the customer.
System Logs & Audits:
Members must maintain accurate logs for transactions, verifications, and approvals for regulatory audits.
Fraud Prevention Measures:
Members must implement measures to prevent fraud, unauthorized access, and misuse of customer accounts.
Third-Party Compliance:
If Members use third-party services or integrations, they must ensure that these services also comply with applicable laws.
Non-Transferable Compliance Responsibility:
Members cannot transfer or delegate their regulatory compliance responsibility to another party.
Penalties for Non-Compliance:
Violation of regulatory guidelines may result in penalties, fines, or legal action by the Company or government authorities.
Audit & Inspection Cooperation:
Members must cooperate with audits or inspections conducted by the Company or regulators.
Software & System Compliance:
All systems, APIs, or software used by Members must comply with regulatory requirements and Company standards.
Legal Acknowledgment:
By using the Platform, Members acknowledge that compliance with applicable laws is mandatory and failure to do so may result in suspension, termination, or legal action.
Continuous Monitoring:
Members agree to continuous monitoring of transactions and activities to ensure regulatory compliance.
Protection of Company & Members:
Following regulatory guidelines ensures legal protection for both Members and the Company against violations, penalties, and disputes.
Definition:
User Conduct refers to the expected behavior, actions, and ethical standards Members must follow while using the Platform.
Lawful Behavior:
Members must use the Platform only for lawful, ethical, and authorized purposes.
Account Responsibility:
Members are responsible for all activities conducted under their account credentials.
Accuracy of Information:
All information provided, including personal, business, and transaction data, must be accurate, complete, and up-to-date.
No Unauthorized Access:
Members must not attempt to access other accounts, administrative systems, or confidential information without permission.
Respect for Others:
Members must not harass, threaten, intimidate, or abuse other Members, customers, or Company employees.
Prohibited Activities:
Engaging in illegal, fraudulent, deceptive, or unethical activities is strictly prohibited.
Compliance with Company Policies:
Members must adhere to all Company policies, procedures, and guidelines in their use of the Platform.
No Misrepresentation:
Members must not impersonate the Company, its employees, or any other Member.
No Misuse of Services:
Members must not misuse Platform services, tools, or APIs for personal or unauthorized gain.
No Spamming or Advertising:
Sending unsolicited messages, promotions, or marketing materials without Company approval is prohibited.
Security Protocols:
Members must follow all security measures, including OTPs, PINs, and two-factor authentication, to protect accounts and customer data.
Reporting Violations:
Members must report any suspicious, unauthorized, or fraudulent activity to the Company immediately.
Respect Intellectual Property:
Members must not infringe on the intellectual property rights of the Company or third parties.
Transaction Compliance:
All transactions conducted by Members must comply with applicable laws, regulatory guidelines, and Company policies.
No Circumvention:
Members must not attempt to bypass transaction limits, security controls, or regulatory requirements.
Cooperation with Audits:
Members must cooperate with audits, investigations, or inspections conducted by the Company or regulators.
No Third-Party Liability:
Members are responsible for any consequences arising from their interactions with third-party services or integrations.
Acknowledgment:
By using the Platform, Members acknowledge that any violation of conduct rules may lead to suspension, termination, or legal action.
Legal Protection:
Adhering to proper conduct ensures legal protection for both Members and the Company and maintains trust and security on the Platform.
Definition:
Data & Reports / Monitoring refers to the process by which the Company collects, stores, analyzes, and reviews data generated by Members on the Platform.
Purpose:
Monitoring ensures compliance, operational efficiency, fraud detection, and regulatory adherence.
Data Collection:
The Company collects transactional, subscription, account, and usage data from Members.
Accuracy of Data:
Members must provide accurate and complete information to enable proper monitoring and reporting.
Transaction Reports:
All transaction data is recorded and made available in reports for Members and Company audits.
Activity Monitoring:
The Company monitors user activities for suspicious, unusual, or prohibited actions.
Compliance Checks:
Data is analyzed to ensure adherence to regulatory guidelines (RBI, NPCI, GST, IT laws).
Fraud Detection:
Monitoring helps identify fraudulent, duplicate, or unauthorized transactions.
Alerts & Notifications:
Members may receive notifications or alerts regarding anomalies, pending actions, or policy violations.
Audit Trails:
All data, reports, and monitoring logs are maintained as audit trails for accountability and legal purposes.
Data Retention:
The Company retains data as per statutory requirements and Company policy.
Access Rights:
Members have limited access to their own reports and data, while the Company has full access for monitoring.
Third-Party Monitoring:
If third-party services are used, the Company ensures compliance and monitoring of data transmitted or processed through them.
Confidentiality:
Monitoring is conducted while protecting sensitive and confidential Member data.
Error Reporting:
Members should report discrepancies in data or reports immediately to the Company.
Audit Cooperation:
Members must cooperate with Company audits or regulatory inspections by providing necessary data and clarifications.
Security Measures:
The Company implements security protocols to prevent data breaches, unauthorized access, or tampering.
Policy Enforcement:
Monitoring results may trigger policy enforcement actions such as warnings, suspensions, or termination of services.
Legal Acknowledgment:
Members acknowledge that data monitoring is essential for compliance, security, and regulatory purposes.
Protection of Company & Members:
Monitoring ensures protection of both the Company and Members from fraud, misuse, legal issues, and operational risks.
Definition:
Audit & Compliance refers to systematic examination of Member activities, transactions, and records to ensure adherence to Company policies, regulatory guidelines, and legal obligations.
Objective:
Ensure transparency, accountability, fraud prevention, and regulatory compliance on the Platform.
Scope:
All Members, transactions, subscriptions, wallets, and related activities are subject to audit.
Company Audits:
The Company reserves the right to audit Members at any time, including financial, operational, and compliance checks.
Regulatory Audits:
Members must cooperate with audits or inspections conducted by RBI, NPCI, GST authorities, or other regulatory bodies.
Record Maintenance:
Members must maintain accurate records of transactions, KYC, subscriptions, and communications as required by the Company.
Documentation Submission:
Members must submit requested documents promptly during internal or regulatory audits.
Compliance Verification:
Audits verify compliance with statutory regulations, Company policies, and contractual obligations.
Access to Data:
The Company may access Members’ accounts, wallets, and records for audit purposes.
Suspicious Activity Checks:
Audits may focus on identifying fraud, money laundering, or policy violations.
Audit Reports:
The Company generates audit reports documenting findings, discrepancies, and compliance status.
Corrective Measures:
Members may be required to take corrective actions if discrepancies or violations are found.
Penalties for Non-Compliance:
Non-compliance may lead to penalties, suspension, or termination of services.
Confidentiality of Audit:
Audit findings and reports are confidential and shared only with authorized personnel or regulatory authorities.
Audit Frequency:
Audits may be periodic, surprise, or triggered by irregular activity.
Third-Party Audits:
If Members use third-party services, audits may include checking their compliance with Company and regulatory requirements.
Legal Cooperation:
Members must provide full cooperation for legal or administrative proceedings arising from audit findings.
Continuous Monitoring:
Audits are supplemented by ongoing monitoring to ensure compliance in real-time.
Member Acknowledgment:
By using the Platform, Members acknowledge that audit and compliance checks are mandatory and binding.
Protection of Interests:
Audit & Compliance ensures protection of both Member and Company interests from fraud, misuse, and legal violations.
Definition:
Taxes & Statutory Compliance refers to adherence to all applicable tax laws, statutory requirements, and regulatory obligations by Members while using the Platform.
Applicable Taxes:
Members are responsible for paying applicable taxes, including GST, TDS, income tax, and any other statutory levies.
Tax Registration:
Members must ensure they are registered under relevant tax laws as required by their business operations.
Invoice Compliance:
Members must generate and maintain invoices, bills, and receipts in accordance with applicable tax regulations.
Tax Deduction at Source (TDS):
If applicable, Members must comply with TDS provisions and submit necessary declarations and proofs.
Filing Returns:
Members are responsible for timely filing of tax returns as per applicable laws.
Tax Payments:
Members must ensure all tax payments are made accurately and on time to the respective authorities.
Audit & Documentation:
Members must maintain records, receipts, and accounts for tax audits and statutory compliance checks.
Regulatory Compliance:
Members must comply with all relevant laws, including GST Act, Income Tax Act, IT Act, RBI regulations, and other statutory requirements.
Company Support:
The Company may provide necessary tax-related information or statements to assist Members in compliance.
Liability for Non-Compliance:
Any failure to comply with statutory tax requirements is solely the responsibility of the Member.
Tax Updates:
Members must stay updated on changes in tax laws and regulations affecting their business on the Platform.
Statutory Notices:
Members must respond promptly to any notices or demands received from tax or regulatory authorities.
Record Retention:
Members must retain tax and statutory records for the legally required period.
Audit Cooperation:
Members must cooperate with Company audits or regulatory inspections for tax and statutory compliance verification.
Penalties & Interest:
Members are liable for any penalties, fines, or interest arising from non-compliance or delayed payments.
Cross-Border Compliance:
If Members engage in cross-border transactions, they must comply with applicable international tax and legal regulations.
Third-Party Services Compliance:
Members using third-party services (payment gateways, banks) must ensure statutory compliance in transactions processed through them.
Declaration & Undertaking:
Members acknowledge that they are aware of their tax obligations and undertake to comply with all statutory requirements.
Legal Protection:
Proper tax and statutory compliance protects both the Member and Company from legal risks, penalties, and disputes.
Definition:
Support & Service refers to assistance provided by the Company to Members regarding platform usage, transactions, subscriptions, and other related activities.
Availability:
Support services are available through official channels including email, phone, and WhatsApp.
Response Time:
The Company aims to respond to Member queries within a defined Service Level Agreement (SLA), typically 24–48 hours.
Scope of Support:
Support includes guidance on transactions, subscriptions, account issues, advance limits, and technical problems.
Communication Channels:
Members must use official channels (01pecare@gmail.com, Fajlkahelp@gmail.com, 9660414204, WhatsApp 01pe helpdesk) for queries.
Member Obligations:
Members must provide accurate information and relevant details to facilitate effective support.
Ticketing System:
All support requests are logged via a ticketing system for tracking and resolution.
Resolution Commitment:
The Company commits to resolving issues promptly based on priority and severity.
Exclusions:
Support does not include external third-party service failures beyond the Company’s control.
Compliance Assistance:
Support may guide Members on regulatory compliance, tax-related queries, and platform policies.
Feedback Mechanism:
Members can provide feedback on support quality for process improvement.
Escalation Process:
If issues are unresolved, Members may escalate to higher levels within the Company’s support hierarchy.
Documentation & Evidence:
Members may be required to provide supporting documents or screenshots for verification during support.
Service Interruptions:
Support may be limited during system downtime or maintenance; Members will be notified in advance.
Training & Awareness:
Support includes training sessions, user guides, and awareness materials for Members.
Policy Updates:
Members will be informed about changes in policies, services, or procedures through official communication.
Confidentiality:
All support interactions are treated confidentially and used only for issue resolution.
Limitations of Liability:
The Company is not liable for delays caused by incorrect information provided by the Member.
Legal Compliance:
Support will comply with applicable laws and regulations while assisting Members.
Acknowledgment:
By using the Platform, Members acknowledge that support services are provided at the Company’s discretion and must follow all defined processes.
Definition of Misconduct: Misconduct includes any verbal, physical, or electronic action by a Member or visitor that disrupts office operations, threatens safety, or violates company policies.
Assault and Violence Prohibition: Any act of physical assault, threat, intimidation, or violence within company premises is strictly prohibited.
Zero Tolerance Policy: The Company maintains a zero-tolerance policy for workplace violence, harassment, or any abusive behavior.
Immediate Reporting: All incidents of misconduct, assault, or violence must be reported immediately to the Company’s management or designated authority.
Investigation Rights: The Company reserves the right to investigate any reported incident through authorized personnel, including reviewing CCTV, logs, and witness statements.
ID Suspension / Access Restriction: Members or employees found involved in misconduct may have their Platform ID, login, or office access suspended immediately pending investigation.
Disciplinary Actions: Depending on severity, actions may include written warning, suspension, termination of account or services, or legal action.
Legal Recourse: The Company may initiate civil or criminal proceedings for assault, threats, or property damage occurring within the premises.
Responsibility of Members: Members are responsible for the behavior of their staff, visitors, and representatives while on Company premises.
Cost and Liability: Any legal, medical, or property damage costs arising from misconduct will be borne by the Member responsible for the incident.
No Waiver of Rights: Exercising these provisions does not waive the Company’s right to take additional action under applicable laws.
Communication of Policies: The Company will communicate this policy to all Members and reserve the right to modify it at any time.
Definition: Training & Awareness refers to educational programs provided by the Company to ensure Members understand platform operations, compliance requirements, and best practices.
Purpose: Equip Members with knowledge and skills to effectively use the Platform and follow all Company policies and regulatory guidelines.
Eligibility: All registered Members are eligible for training programs.
Mandatory Sessions: Certain training sessions may be mandatory for Members to access specific services.
Modes of Training: Training can be conducted online via webinars, videos, guides, or in-person sessions.
Topics Covered: Includes platform usage, transaction processing, subscriptions, advance limits, fraud prevention, and customer service.
Regulatory Compliance: Training covers laws, RBI/NPCI guidelines, GST, IT Act compliance, and other statutory requirements.
Updates on Services: Members are trained on new services, features, and policy updates.
Evaluation: Members’ understanding may be assessed through quizzes, tests, or practical exercises.
Record Keeping: Attendance and completion status are documented for audit purposes.
Access to Resources: Members receive manuals, guides, FAQs, and other learning materials.
Support Integration: Training is supported by the Helpdesk for clarifications and troubleshooting.
Fraud & Risk Awareness: Members learn to identify suspicious activities, prevent fraud, and report violations.
Technical Skills: Training covers safe and efficient use of software, devices, and integrations.
Best Practices: Members learn operational best practices, customer service protocols, and transaction management.
Legal Awareness: Members are informed about their legal obligations, liabilities, and compliance requirements.
Continuous Learning: Ongoing training ensures Members stay updated with changing policies and platform enhancements.
Certification: Where applicable, Members may receive certificates of completion for training programs.
Acknowledgment: Members acknowledge that training is essential for effective and compliant use of the Platform.
Protection of Interests: Proper training protects both Members and the Company from operational errors, legal non-compliance, and financial risks.
RBI / Regulatory Guidelines Communication: Company communicates all applicable RBI or other regulatory guidelines to Members through training or official notifications.
Member Responsibility: If a Member fails to follow any guideline provided by the Company, all responsibility rests with the Member.
ID Suspension / Blocking: The Company reserves the right to suspend or block the Member’s ID in case of non-compliance.
ID Renewal Charges: For reactivation or renewal of a suspended ID, the Member may be required to pay charges that may vary depending on circumstances.
Legal & Financial Protection: These measures protect the Company and Members from legal violations, financial penalties, or operational risks.
Purpose:
This section governs how any dispute, disagreement, or claim between the Company and the Member shall be handled and resolved.
Good Faith Resolution:
Both parties shall first attempt to resolve disputes through good faith discussion and mutual understanding before initiating any formal proceedings.
Written Complaint:
The Member must submit any dispute, concern, or claim in writing to the Company through official communication channels or email.
Acknowledgment of Dispute:
The Company shall acknowledge receipt of the dispute within seven (7) working days.
Internal Review:
The Company will conduct an internal investigation or audit of the matter to assess the claim and relevant records.
Cooperation Obligation:
Members must cooperate fully with the Company during the dispute resolution process and provide any required documentation.
Timeframe for Resolution:
The Company aims to resolve disputes within thirty (30) working days from the date of acknowledgment.
Interim Suspension:
If the dispute involves misuse, fraud, or non-compliance, the Company reserves the right to suspend the Member’s ID/account during investigation.
Binding Decision:
The decision made by the Company after investigation shall be final and binding, subject to legal remedies available under law.
Jurisdiction:
All disputes shall fall under the exclusive jurisdiction of Jhunjhunu, Rajasthan, India.
Applicable Law:
This Agreement and all related disputes shall be governed by the laws of India, as applicable in the State of Rajasthan.
Arbitration Clause:
If a dispute cannot be resolved internally, it shall be referred to arbitration under the Arbitration and Conciliation Act, 1996.
The arbitration shall take place in Jhunjhunu, Rajasthan, in English or Hindi, as decided by the Company.
Arbitrator Appointment:
The arbitrator shall be appointed solely by the Company, and the arbitrator’s decision shall be final and binding on both parties.
Non-Court Proceedings:
Parties agree not to approach any court or tribunal unless arbitration or internal dispute mechanisms have been exhausted.
Cost of Resolution:
Each party shall bear its own costs of resolution unless otherwise decided by the Company or a competent authority.
Member Cost Liability:
If the Member is found at fault, all legal, administrative, or arbitration costs shall be borne solely by the Member.
Company’s Legal Rights:
The Company reserves the right to recover any damages, penalties, or losses arising from a dispute caused by the Member’s negligence or violation.
Documentation Record:
All communications, proofs, and decisions related to the dispute shall be maintained by the Company as an official record.
Non-Compliance with Decision:
Failure by the Member to comply with the final decision may result in account termination, penalty, or legal action.
Final & Binding Clause:
The Member agrees that the Company’s decision under this Dispute Resolution Policy shall be considered final, conclusive, and enforceable.
Purpose:
This section defines the process through which Members can raise complaints or grievances regarding any issue related to the Platform or its services.
Right to Complain:
Every registered Member has the right to submit a genuine complaint regarding service issues, transaction errors, or employee/representative misconduct.
Mode of Submission:
Complaints must be submitted through official communication channels such as:
Official Email IDs: 01pecare@gmail.com or fajlkahelp@gmail.com
WhatsApp Helpdesk: 01Pe Helpdesk | A Fajlka Brand
Customer Support Section available on the website/app.
Information Required:
Members must provide complete details — Name, Member ID, Transaction ID (if applicable), issue description, and supporting documents/screenshots.
Acknowledgment of Complaint:
The Company shall acknowledge receipt of the complaint within 3 working days from submission.
Investigation:
Upon receipt, the Company will initiate an internal review to verify the complaint, transaction history, and member conduct.
Resolution Timeline:
The Company shall endeavor to resolve all valid complaints within 15 working days, depending on complexity.
Priority Handling:
Complaints related to financial loss, transaction failure, or fraud shall be treated as high priority and resolved urgently.
Temporary Suspension (If Required):
In case of misuse, suspected fraud, or security breach, the Company may temporarily suspend the Member’s ID for investigation.
Communication of Resolution:
Once the investigation is complete, the Company will communicate the resolution to the Member via email or WhatsApp.
Closure of Complaint:
A complaint shall be deemed “closed” once the Member acknowledges the resolution or after the Company provides a final written response.
Escalation Process:
If the Member is not satisfied with the initial resolution, they may escalate the complaint to a Grievance Officer within 7 working days.
Grievance Officer Appointment:
The Company shall designate a Grievance Officer responsible for reviewing escalated complaints and ensuring compliance with regulatory requirements.
Grievance Officer Details:
Name and contact information of the Grievance Officer will be made available on the official website and updated periodically.
Response from Grievance Officer:
The Grievance Officer will review the escalation and respond with a final decision within 15 working days.
Regulatory Compliance:
The grievance process will comply with RBI, NPCI, and Government guidelines applicable to digital payment and fintech platforms.
False or Misleading Complaints:
If a complaint is found to be false, fraudulent, or intentionally misleading, the Company may take disciplinary or legal action against the Member.
Confidentiality:
All complaints and related information shall be handled confidentially to protect the privacy and rights of the Member.
Record Maintenance:
The Company will maintain a record of all complaints, responses, and resolutions for a minimum of 3 years for compliance and audit purposes.
Final and Binding Resolution:
Once the grievance is resolved and the Member notified, the decision of the Company or Grievance Officer shall be final and binding.
Right to Suspend or Terminate:
The Company reserves the absolute right to suspend, restrict, or permanently terminate a Member’s account at any time, without prior notice, for violation of these Terms, misuse of services, or non-compliance with legal or regulatory obligations.
Grounds for Suspension:
Accounts may be suspended for reasons including, but not limited to — suspicious activity, non-payment of dues, fraud detection, chargebacks, or breach of Company policy.
Notice and Intimation:
Where practicable, the Company may issue a warning or notice before suspension. However, in cases of severe violations or fraud, immediate action may be taken without notice.
Temporary Suspension:
A temporary suspension may be imposed pending verification, investigation, or audit of any transaction or activity.
Permanent Termination:
An account may be permanently terminated if the Member repeatedly violates rules, engages in prohibited activities, or causes reputational or financial harm to the Company.
Effect of Termination:
Upon termination, all rights to access the platform, wallet balance, services, commissions, and bonuses automatically cease.
Non-Refundable Fees:
Any subscription, registration, or activation fee paid prior to suspension or termination remains non-refundable.
Pending Liabilities:
Members remain liable to pay any pending amounts, penalties, or damages even after suspension or termination.
Company’s Right to Recover:
The Company reserves the right to recover outstanding amounts, penalties, or losses from the Member’s wallet, deposits, or through legal recovery methods.
ID Reactivation:
Reactivation of a suspended account is solely at the Company’s discretion and may require payment of reactivation or renewal charges.
Reactivation Charges:
Reactivation charges vary depending on the reason for suspension or the duration of inactivity. The amount shall be determined and communicated by the Company.
Fraudulent Activity:
If fraud or misuse is detected, the Company may blacklist the Member, block KYC access, and initiate legal action under applicable cyber and financial laws.
RBI / NPCI Guidelines:
If the Company suspends a Member for non-compliance with RBI, NPCI, or other regulatory instructions, all responsibility and consequences shall rest solely with the Member.
Misuse of Credentials:
Sharing login details or allowing third-party access constitutes a violation and may result in immediate suspension.
Inactivity Termination:
Accounts remaining inactive beyond the prescribed period may be terminated automatically after due notice.
Legal Proceedings:
The Company reserves the right to initiate civil or criminal proceedings against any Member whose activities cause financial or reputational loss.
No Waiver of Rights:
Suspension or termination of one Member does not restrict the Company’s rights to take similar action against others for similar misconduct.
Data Retention after Termination:
The Company may retain Member data for audit, legal, or regulatory purposes as required by law.
Communication Post-Termination:
All communications regarding suspended or terminated accounts shall be made through official Company email or WhatsApp channels only.
Final Authority:
The Company’s decision on suspension, reactivation, or termination shall be final and binding on the Member.
Right to Terminate:
A Member may terminate or deactivate their account by submitting a written request to the Company through the official communication channel (email or portal) in the prescribed format.
Notice Period:
The Member shall provide a minimum of 15 days’ prior written notice to the Company before requesting termination.
Verification of Identity:
Termination requests shall be processed only after verification of the Member’s registered mobile number, KYC documents, and other required credentials.
Clearance of Outstanding Dues:
No account shall be considered terminated until all outstanding dues, service charges, penalties, and advances are fully cleared by the Member.
Non-Refundable Fees:
Any registration fee, subscription charge, activation fee, or package cost already paid by the Member shall be strictly non-refundable upon termination.
Effect of Termination:
Upon termination, the Member shall lose access to all services, wallet balance, commissions, referral benefits, and other privileges associated with the account.
Pending Transactions:
Any ongoing or pending transaction at the time of termination shall be completed or reversed as per Company policy and applicable regulations.
Return of Company Property:
If the Member holds any company documents, digital certificates, or promotional material, such items must be returned or deleted immediately upon termination.
Restriction on Re-registration:
A terminated Member shall not be allowed to re-register with the same credentials, mobile number, or email without prior written approval from the Company.
Legal and Regulatory Compliance:
Termination by the Member does not absolve them from compliance obligations, liabilities, or any legal proceedings initiated prior to termination.
Communication Method:
All termination communications shall be made only through the Company’s registered email or official support portal. Verbal or social media requests shall not be entertained.
Wallet Balance Settlement:
If the Member’s wallet has a positive balance after deduction of dues, such balance may be refunded to the Member’s verified bank account within 30 working days after termination verification.
Data Retention by Company:
The Company reserves the right to retain Member data and transaction history for a minimum of five years, or as required by applicable law, for audit and legal purposes.
Breach after Termination:
If, after termination, the Company discovers any fraud, data misuse, or financial manipulation linked to the terminated Member, the Company may initiate legal recovery or criminal proceedings.
Security Deposit Adjustment:
If a security deposit or cheque was submitted, the same may be adjusted toward any dues or penalties before account closure.
Final Confirmation:
The Company shall issue a written confirmation once the termination is completed and all liabilities are cleared.
Effect on Linked Accounts:
If the Member is linked with multiple IDs or business accounts, termination of one account may lead to suspension or audit of related accounts.
No Liability on Company:
The Company shall not be liable for any loss of earnings, commissions, or business opportunity arising from termination by the Member.
Revocation of Access Credentials:
Upon termination, all login IDs, passwords, and digital access credentials shall stand automatically revoked.
Binding Nature:
By submitting a termination request, the Member acknowledges full understanding of these clauses and agrees that the Company’s decision regarding termination shall be final and binding.
Cessation of Services:
Upon termination, all access to the Company’s platform, services, wallet, and tools shall immediately cease. The Member shall no longer be entitled to use or claim any benefits under the terminated account.
Forfeiture of Benefits:
All commissions, bonuses, incentives, or pending earnings standing to the Member’s credit at the time of termination shall stand forfeited, and no claims shall be entertained thereafter.
Data Deactivation:
The Member’s account, transaction history, and personal data shall be deactivated or archived by the Company for compliance, audit, or regulatory purposes.
Outstanding Dues:
All dues, penalties, and charges outstanding at the time of termination shall remain payable by the Member, even after termination.
Security Deposit Adjustment:
Any security deposit, cheque, or collateral provided by the Member may be adjusted against pending dues, penalties, or liabilities before closure of the account.
Restriction on Access:
The Member shall not attempt to access, reactivate, or use the platform after termination without prior written approval from the Company.
Loss of Confidential Information Rights:
All rights to use, store, or distribute the Company’s confidential data, documents, or training materials shall automatically terminate.
Legal Continuation:
Termination shall not affect any legal action, investigation, or claim that arose prior to termination. The Company reserves the right to continue such actions as necessary.
Non-Transfer of Data or ID:
The terminated account cannot be transferred, sold, or assigned to any other person or entity under any circumstance.
Financial Adjustments:
If the Company owes any balance amount to the Member after adjusting all dues, the same shall be refunded within 30 working days via verified banking channels.
No Refund Policy:
All fees, including registration, subscription, and activation charges, are non-refundable, even after termination.
Notification of Termination:
The Company shall notify the Member of termination through registered email, SMS, or the official portal. Such communication shall be deemed valid upon dispatch.
Third-Party Dependencies:
If the Member’s services are linked with third-party platforms, the Company shall not be responsible for any residual data, refunds, or settlements with those platforms.
Loss of Legal Standing as Member:
Upon termination, the individual shall cease to represent or act as a Retailer, Distributor, Master Distributor, or State Head of the Company.
Intellectual Property Rights:
The Member shall immediately stop using any Company trademark, logo, or brand name in promotional material, documents, or communication.
Audit and Record Retention:
The Company reserves the right to retain and audit Member data for a minimum of five years after termination for legal, compliance, or taxation purposes.
Public Representation Prohibition:
After termination, the Member shall not publicly represent themselves as an active partner, agent, or representative of the Company.
Suspension of Support Services:
Post-termination, the Member shall not be entitled to any customer support, grievance redressal, or service-related assistance.
Reactivation Terms:
Reactivation of a terminated account may be permitted only after written request, payment of reactivation charges, and Company approval.
Binding Effect:
All obligations, dues, liabilities, and legal responsibilities incurred prior to termination shall survive even after the account is terminated.
Scope of Limitation:
The Company, its directors, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with the use of the Platform, services, or transactions.
No Liability for User Actions:
The Company shall not be responsible for any loss or damage resulting from Member negligence, misuse, system tampering, unauthorized access, or breach of security caused by the Member.
Service Availability:
The Company does not guarantee uninterrupted access to the Platform. Temporary unavailability due to maintenance, system upgrades, network failure, or other technical reasons shall not constitute a breach of contract.
Third-Party Dependencies:
The Company shall not be liable for any errors, delays, or failures in services caused by third-party systems such as banks, NPCI, telecom operators, or payment gateways.
Transaction Risk:
All transactions initiated by Members are done at their own risk. The Company only facilitates the process and shall not be held liable for any transaction dispute, failure, or reversal beyond its control.
Financial Responsibility:
The total liability of the Company for any claim, loss, or damage, whether arising in contract, tort, or otherwise, shall not exceed the total amount of fees paid by the Member in the last three months preceding the event giving rise to the claim.
Exclusion for Force Majeure:
The Company shall not be liable for any delay or failure to perform obligations resulting from natural disasters, acts of government, war, strikes, internet outages, or other force majeure events.
Loss of Profit Disclaimer:
Under no circumstances shall the Company be liable for any loss of profit, goodwill, business interruption, or data loss arising from the use of or inability to use the Platform.
Compliance Failure:
If a Member fails to comply with any RBI, NPCI, or regulatory guideline, all related risks and liabilities shall be borne solely by the Member.
Fraudulent Activity:
In case of any fraudulent activity detected in a Member’s account, the Company shall not be liable for any resulting loss. The Member shall compensate the Company for any loss incurred due to such fraud.
Wallet Misuse:
Any misuse or unauthorized withdrawal from the Member’s wallet caused by third-party interference or password sharing shall not be the responsibility of the Company.
Communication Delays:
The Company shall not be liable for any loss caused by delayed SMS, email, or notification due to network congestion or third-party delivery failure.
Data or Server Error:
The Company shall not be responsible for any temporary data error, duplication, or delay arising from server malfunction, hosting downtime, or technical glitch.
Non-Guarantee of Results:
The Company does not guarantee any specific results, income, or business outcomes from use of its Platform or services.
No Joint Liability:
Each Member’s liability is individual. The Company shall not be liable for disputes or claims between Members, Retailers, Distributors, or other hierarchy participants.
Limitation Period:
No claim may be brought against the Company more than 90 days after the date of the event giving rise to such claim.
Indemnity Continuation:
This limitation shall survive termination or suspension of the Member’s account and continue to apply thereafter.
Non-Waiver:
Failure by the Company to enforce any limitation or restriction shall not be considered a waiver of its legal rights.
Acknowledgment by Member:
By using the Platform, the Member acknowledges and agrees to these limitations and accepts full responsibility for their own use of the services.
Severability:
If any part of this section is found unenforceable, the remaining provisions shall continue to be valid and binding.
General Indemnification:
The Member agrees to indemnify, defend, and hold harmless Fajlka Industries, its directors, officers, employees, partners, and affiliates from and against any and all losses, liabilities, damages, penalties, costs, and expenses (including legal fees) arising from or related to the Member’s actions, omissions, or breach of this Agreement.
Breach of Terms:
If a Member violates any term, policy, or instruction issued by the Company, all resulting legal, financial, and operational consequences shall be solely borne by the Member.
Regulatory Violations:
If any government or regulatory body (e.g., RBI, NPCI, GST, IT authorities) imposes a penalty or fine due to the Member’s non-compliance, such penalty shall be fully recoverable from the Member.
Fraud and Misrepresentation:
If a Member is found to have engaged in fraud, false representation, misuse of platform access, or manipulation of records, the Company shall recover all damages and initiate legal proceedings without prior notice.
Third-Party Claims:
The Member agrees to indemnify the Company against all claims, losses, or actions made by third parties due to the Member’s activities, negligence, or misuse of services.
Data Misuse or Breach:
If the Member causes a data breach, unauthorized disclosure, or misuse of confidential information, all legal and financial liabilities shall rest solely with the Member.
Cyber and Network Security Violations:
In case of hacking, phishing, malware injection, or unauthorized access originating from the Member’s account, the Member shall be liable for all damages and regulatory penalties.
Wallet or Transaction Losses:
The Company shall not be liable for unauthorized wallet access or transaction losses caused by Member negligence. The Member shall bear full responsibility.
Service Abuse:
Any misuse of AEPS, DMT, BBPS, UPI, or payout services that leads to financial or reputational loss shall make the Member personally liable for indemnification.
Legal Proceedings:
If the Company is required to appear before a court, tribunal, or authority due to the Member’s act or omission, all associated legal expenses, advocate fees, and penalties shall be recovered from the Member.
Notice of Claim:
The Company shall notify the Member of any claim or proceeding. The Member must fully cooperate in defending or resolving the issue.
Company’s Right to Recovery:
The Company may recover all dues by deducting from the Member’s wallet balance, security deposit, or any other payable amount.
Insurance Limitation:
The Member acknowledges that the Company does not provide insurance for individual losses, and any compensation claims shall be limited to proven direct losses.
Joint and Several Liability:
If multiple Members jointly cause any loss, all such Members shall be jointly and severally responsible for full indemnification.
Reputational Damage:
If a Member’s conduct harms the goodwill or reputation of the Company or its brands (e.g., 01Pe.in), the Company may recover appropriate damages and terminate the Member’s access immediately.
Breach of Confidentiality:
Violation of confidentiality clauses or sharing of trade secrets, credentials, or system access with unauthorized persons shall attract full legal liability.
Continuing Obligation:
The Member’s indemnity obligations shall survive termination, suspension, or expiration of this Agreement.
Right to Withhold Services:
Until indemnification is completed or disputes are resolved, the Company reserves the right to suspend services or withhold settlements.
Proof of Compliance:
The Member must provide proof of compliance with applicable laws and this Agreement whenever requested by the Company.
Acknowledgment:
By continuing to use the Platform, the Member acknowledges and accepts full indemnity responsibility for all acts performed under their registered account.
Definition:
“Force Majeure” refers to any event or circumstance beyond the reasonable control of the Company or the Member that prevents the performance of obligations under this Agreement.
Examples of Force Majeure Events:
These may include (but are not limited to):
Natural disasters (floods, earthquakes, storms, fire),
Government restrictions,
War, terrorism, riots, strikes, lockouts,
Pandemics, epidemics,
Internet or telecommunication failure,
Technical or server breakdowns,
Regulatory bans or orders.
Temporary Suspension:
During the occurrence of a Force Majeure event, all affected obligations shall be temporarily suspended without any liability on either party.
No Liability:
Neither the Company nor the Member shall be held liable for failure or delay in performing obligations caused directly by such events.
Notification Requirement:
The affected party must immediately notify the other party in writing of the Force Majeure event and its expected duration.
Resumption of Operations:
Once the event is resolved or its impact subsides, normal operations and obligations shall resume automatically without requiring a new agreement.
Extended Disruption:
If the Force Majeure event continues for more than 30 consecutive days, the Company reserves the right to terminate or modify certain services without penalty or refund.
Regulatory Orders:
If government or regulatory authorities impose restrictions on AEPS, UPI, or other payment systems, the Company shall not be liable for any resulting suspension or limitation of service.
Member’s Obligation Post-Event:
Members must promptly resume their duties, repayments, and service compliance once operations restart after the event.
No Waiver of Rights:
Force Majeure does not exempt the Member from obligations that were due before the event occurred (e.g., dues, penalties, or previous liabilities).
Communication Channels:
All Force Majeure notices must be sent via official communication channels — email, portal notification, or registered WhatsApp channel.
Business Continuity:
The Company may take alternative steps (remote operations, backup servers, alternate vendors) to ensure continued services where possible.
Member Cooperation:
Members are required to cooperate with any temporary instructions or emergency procedures issued by the Company during such events.
Data Protection During Crisis:
Even during Force Majeure, Members must maintain data confidentiality and not misuse or leak company or user information.
Limitation of Claims:
Members cannot claim damages, refunds, or compensation for losses caused by Force Majeure situations.
System Maintenance Exception:
Scheduled maintenance or updates by the Company shall not be considered Force Majeure unless prolonged by uncontrollable causes.
Third-Party Dependency:
If third-party providers (banks, APIs, telecoms) face downtime due to Force Majeure, the Company will not be liable for related disruptions.
Proof Requirement:
The affected party may be required to provide evidence (e.g., government order, news report, official notice) of the Force Majeure event.
Jurisdiction and Continuation:
All Force Majeure disputes shall be governed under Jhunjhunu, Rajasthan jurisdiction, and existing terms will continue unaffected once the event ends.
Acknowledgment:
By using the Platform, Members accept that Force Majeure events are beyond Company control, and no refund, compensation, or penalty will be payable in such cases.
Definition:
System Downtime refers to any period during which the Platform, website, mobile application, or any related services are partially or fully unavailable due to technical issues, maintenance, upgrades, or failures.
Scheduled Maintenance:
The Company may schedule maintenance activities that temporarily render the Platform unavailable. Members will be notified in advance wherever feasible.
Unscheduled Downtime:
The Platform may also experience unscheduled downtime due to technical faults, server failure, internet disruption, or third-party service provider issues.
No Liability for Downtime:
The Company shall not be liable for any loss, damage, or inconvenience caused to Members or third parties due to system downtime.
Notification of Downtime:
Where possible, the Company shall inform Members about downtime, its expected duration, and any remedial measures via official communication channels.
Third-Party Dependencies:
The Company is not responsible for downtime caused by third-party systems, such as payment gateways, banks, APIs, or telecommunication networks.
Member Responsibility:
Members must plan and manage transactions considering potential downtime and shall not hold the Company responsible for any financial or operational impact arising therefrom.
Recovery Measures:
The Company may implement backup systems, redundancy, and alternate servers to reduce downtime and restore services efficiently.
Limitations of Claims:
Members acknowledge that no claim, refund, or compensation shall be entertained for any downtime, whether scheduled or unscheduled.
Force Majeure Downtime:
System downtime caused by Force Majeure events, such as natural disasters, governmental restrictions, cyberattacks, or other uncontrollable events, shall not be considered a breach of this Agreement.
Impact on Transactions:
The Company is not responsible for failed, delayed, or reversed transactions during downtime. Members shall verify transaction status through the Platform once services are restored.
Indemnity for Losses:
Members shall indemnify the Company against any loss, claim, or dispute arising due to their failure to manage transactions or obligations during system downtime.
Acknowledgment:
By using the Platform, Members accept that temporary unavailability may occur, and the Company is not responsible for any associated impact.
General Liability:
The Member shall be fully responsible for all actions, transactions, and activities conducted through their registered account on the Platform.
Account Security:
Members are solely responsible for maintaining the confidentiality of their login credentials (username, password, OTPs) and must prevent unauthorized access to their account.
Unauthorized Use:
Any unauthorized access, misuse, or fraudulent activity conducted using the Member’s credentials shall be considered the Member’s liability, regardless of whether it was caused by negligence or third-party interference.
Financial Responsibility:
The Member shall bear full responsibility for all financial obligations, including payments, charges, fees, penalties, or fines arising from transactions performed through their account.
Compliance with Laws & Guidelines:
Members are responsible for adhering to all applicable laws, regulations, and guidelines issued by the Company or regulatory authorities (e.g., RBI, NPCI, GST).
Indemnification:
Members shall indemnify and hold the Company harmless for any losses, claims, or damages arising due to the Member’s non-compliance, misuse, or negligence.
Suspension or Termination:
If the Member fails to comply with obligations or engages in prohibited activities, the Company may suspend or terminate the account. All resulting liabilities remain with the Member.
Recovery of Dues:
The Company reserves the right to recover any dues, penalties, or charges from the Member’s wallet, security deposit, or other assets, as applicable.
Transaction Verification:
Members are responsible for verifying all transactions before execution. Any discrepancies or disputes arising from incorrect inputs are the Member’s liability.
Third-Party Services:
If the Member’s use of third-party services integrated with the Platform results in any loss or liability, it remains the Member’s responsibility.
Intellectual Property Misuse:
Any violation of intellectual property rights, copyright, or unauthorized use of Platform content by the Member will be treated as the Member’s sole liability.
Data Privacy Violations:
Members are liable for any breaches of confidential or personal data caused by their actions, including sharing credentials or sensitive information with unauthorized persons.
Technical Failures:
The Company is not responsible for any loss resulting from technical failures caused by the Member’s actions, including device or network issues.
Cybersecurity Incidents:
Any cyberattack, phishing, malware, or hacking incident traced to the Member’s account will be the Member’s responsibility.
Acknowledgment of Responsibility:
By using the Platform, the Member acknowledges that they alone are responsible for all activities under their account and agree to comply with all obligations as outlined in this Agreement.
Definition:
All content available on the Platform, including text, graphics, images, videos, logos, trademarks, software, and other materials, is owned by Fajlka Industries or its licensors.
Intellectual Property Rights:
Members acknowledge that all content is protected under applicable copyright, trademark, patent, and other intellectual property laws.
No Transfer of Ownership:
Access to the Platform does not grant Members any ownership rights over the content. Members receive only a limited, non-exclusive, non-transferable license to use content strictly as permitted.
Restricted Use:
Members shall not reproduce, distribute, modify, transmit, publicly display, or create derivative works from any content without explicit written permission from the Company.
Third-Party Content:
Any content provided by third parties integrated on the Platform (e.g., APIs, partner services) remains the property of the respective third party, and Members must comply with their terms of use.
User-Generated Content:
Content uploaded or submitted by Members (e.g., feedback, reviews, images) may be used by the Company for promotional, operational, or analytical purposes. Members grant the Company a royalty-free, perpetual, and worldwide license to use such content.
Prohibited Activities:
Members are strictly prohibited from copying, selling, licensing, or exploiting the Platform’s content for commercial purposes without Company approval.
Company Remedies:
Any unauthorized use of content may result in legal action, including injunctions, claims for damages, and account suspension or termination.
Indemnity:
Members agree to indemnify the Company for any claim, loss, or liability arising from misuse of Platform content.
Acknowledgment:
By accessing the Platform, Members acknowledge and accept that content ownership remains with the Company or its licensors and agree to comply with all restrictions and conditions of use.
Ownership:
All intellectual property rights (IPR) related to the Platform, including trademarks, logos, trade names, software, designs, and content, are the exclusive property of Fajlka Industries or its licensors.
Protection Under Law:
All IPR are protected under applicable national and international copyright, trademark, patent, and other laws.
No Transfer of Rights:
Using the Platform does not transfer any intellectual property rights to Members. Members receive only a limited, non-exclusive, revocable license to use the Platform as permitted.
Restrictions on Use:
Members shall not copy, reproduce, distribute, modify, sell, license, publicly display, or create derivative works from any intellectual property without prior written consent from the Company.
Third-Party Intellectual Property:
Third-party software, APIs, or services integrated with the Platform remain the property of the respective owners. Members must comply with all applicable third-party license agreements.
User-Generated IP:
Members uploading content or materials grant the Company a perpetual, royalty-free, worldwide license to use, reproduce, or modify such content for operational, promotional, or analytical purposes.
Enforcement Rights:
The Company may take legal action, including injunctions, claims for damages, or account suspension/termination, against any Member violating intellectual property rights.
Indemnification:
Members agree to indemnify and hold the Company harmless from any claim, liability, or loss arising from their infringement of intellectual property rights.
Acknowledgment:
By accessing or using the Platform, Members acknowledge that all intellectual property rights are owned by the Company or its licensors and that unauthorized use is strictly prohibited.
Definition:
Anti-Fraud Measures refer to all policies, procedures, and technological safeguards implemented by the Company to detect, prevent, and mitigate fraudulent activities on the Platform.
Monitoring:
The Company continuously monitors transactions, account activities, and system logs to identify suspicious or unauthorized behavior.
Prohibited Activities:
Fraudulent activities include, but are not limited to:
Using multiple accounts to bypass transaction limits
Forging documents or credentials
Unauthorized transactions or fund transfers
Manipulating the system or exploiting vulnerabilities
Member Responsibility:
Members must not engage in any fraudulent, deceptive, or unlawful activities on the Platform.
Reporting Fraud:
Members are encouraged to immediately report any suspected fraudulent activity via official communication channels.
Investigation:
The Company reserves the right to investigate any suspected fraud, including freezing accounts, restricting access, or auditing transactions.
Account Suspension / Termination:
Accounts involved in fraudulent activities may be suspended or permanently terminated at the Company’s sole discretion.
Financial Liability:
Members found responsible for fraud are liable to reimburse all financial losses incurred by the Company or other Members.
Legal Action:
The Company may initiate civil or criminal proceedings against any Member engaging in fraud.
Indemnity:
Members agree to indemnify and hold the Company harmless from all claims, losses, or damages resulting from fraudulent activities conducted through their account.
Collaboration with Authorities:
The Company may share relevant information with law enforcement or regulatory authorities as part of fraud investigations.
Preventive Measures:
The Company may implement OTP verification, transaction limits, AI-based monitoring, and other security tools to reduce fraud risks.
System Updates:
The Company reserves the right to update anti-fraud measures without prior notice to ensure platform security.
Acknowledgment:
By using the Platform, Members acknowledge the importance of anti-fraud compliance and agree to cooperate fully with all investigations.
Definition:
Risk Management refers to the policies, procedures, and safeguards implemented by the Company to identify, assess, and mitigate financial, operational, and cybersecurity risks.
Member Responsibility:
Members are responsible for complying with all platform policies, guidelines, and regulations to minimize risk exposure.
Fraud Liability:
Members engaging in fraudulent, deceptive, or unauthorized activities are solely liable for any resulting financial, legal, or operational losses.
Transaction Monitoring:
The Company monitors all transactions to detect suspicious or abnormal patterns and mitigate potential risks.
Limits and Caps:
Transaction limits, withdrawal caps, and other restrictions may be applied to manage operational and financial risk.
Account Review & Audits:
The Company may conduct periodic audits and account reviews to ensure compliance and reduce risk exposure.
Suspension for Risk Mitigation:
Accounts may be temporarily suspended if deemed high-risk due to unusual activity, non-compliance, or potential fraud.
Recovery of Losses:
The Company reserves the right to recover financial losses, penalties, or charges from the Member’s wallet, account, or security deposits.
Legal Remedies:
The Company may pursue civil or criminal action against any Member responsible for fraud or risk-related breaches.
Third-Party Risk:
Members are liable for risks arising from misuse of third-party integrations, APIs, or services accessed through the Platform.
Collaboration with Authorities:
The Company may share information with regulatory authorities, law enforcement, or financial institutions to mitigate risk or investigate fraud.
Preventive Measures:
The Company may implement transaction verification, OTP authentication, AI monitoring, or other measures to prevent fraud and manage risk.
Member Indemnity:
Members agree to indemnify and hold the Company harmless against any losses, damages, claims, or liabilities arising from non-compliance, misuse, or fraud.
Acknowledgment:
By using the Platform, Members acknowledge their responsibility to follow risk management procedures and accept liability for any fraudulent or risky activities conducted through their account.
Grant of License:
The Company grants Members a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for lawful purposes in accordance with these Terms and Use.
Scope of Use:
The license allows Members to use the Platform features, services, and content only as expressly permitted and for their authorized role (Retailer, Distributor, Master Distributor, or State Head).
Restrictions:
Members shall not:
Copy, reproduce, or distribute Platform content or software
Reverse engineer, decompile, or modify the Platform
Use the Platform for unauthorized commercial purposes
Circumvent any security or usage restrictions
Termination of License:
The Company may revoke the license at any time without notice for policy violations, illegal activities, or non-compliance.
No Ownership Transfer:
The license does not transfer any ownership or intellectual property rights to Members; all rights remain with the Company or its licensors.
Third-Party Licenses:
Use of third-party integrations, software, or services is subject to the respective third-party license agreements and restrictions.
Limited Liability:
The Company is not liable for any indirect, incidental, or consequential damages arising from the use or inability to use the licensed Platform services.
Acknowledgment:
By using the Platform, Members acknowledge and accept the license terms and agree to comply with all restrictions and conditions.
Definition:
Prohibited Devices / Tools refer to any hardware, software, scripts, bots, or technologies that interfere with, manipulate, or bypass the Platform’s functionality, security, or usage policies.
Examples of Prohibited Devices / Tools:
Automated transaction bots or scripts
Hacking tools, malware, or spyware
Modified or unauthorized versions of the Platform or its apps
Devices or software designed to manipulate transaction limits, discounts, or commissions
Member Responsibility:
Members shall not use, possess, distribute, or attempt to use any Prohibited Device / Tool while accessing or using the Platform.
Detection:
The Company reserves the right to monitor, detect, and block any usage of prohibited devices or tools.
Consequences:
Use of Prohibited Devices / Tools may result in:
Immediate suspension or termination of the Member account
Confiscation of associated funds
Legal action for violation of Terms & Use
Acknowledgment:
By using the Platform, Members acknowledge that they are aware of Prohibited Devices / Tools and agree not to use them under any circumstances.
Definition:
Record Keeping refers to the systematic maintenance, storage, and management of all records, documents, and transaction details related to the Member’s activities on the Platform.
Member Responsibility:
Members are responsible for maintaining accurate, complete, and up-to-date records of all transactions, fund transfers, and operational activities.
Transaction Records:
Members must maintain detailed records of all financial and operational transactions conducted via the Platform, including invoices, receipts, and payment confirmations.
Supporting Documents:
Members should keep all supporting documents, such as agreements, certificates, proofs of identification, and other compliance documents, as required by the Company.
Audit Compliance:
Records must be available for review and audit by the Company or any regulatory authority at any time.
Retention Period:
Members are required to maintain records for a minimum period as prescribed by applicable laws, regulations, or Company policy.
Digital & Physical Records:
Records may be maintained in digital or physical form, provided they are secure, retrievable, and protected against tampering or loss.
Accuracy & Integrity:
Members must ensure that all maintained records are accurate, truthful, and complete. Falsification or manipulation of records is strictly prohibited.
Access to Records:
The Company reserves the right to access, review, and request copies of any records maintained by Members for compliance, audit, or operational purposes.
Legal Consequences:
Failure to maintain proper records may result in suspension of services, penalties, legal action, or other consequences as determined by the Company.
Definition:
Record Retention refers to the policies and procedures for retaining, storing, and preserving records and documents related to Member activities on the Platform for a specified period.
Retention Period:
Members must retain all records, transaction data, agreements, invoices, receipts, and compliance documents for a minimum period as required by applicable laws, regulations, or Company policies.
Digital Storage:
Records may be retained in digital format provided they are secure, backed up, and accessible for audit, review, or regulatory purposes.
Physical Storage:
If physical documents are retained, Members must ensure they are stored safely, protected from damage, loss, or unauthorized access.
Compliance with Laws:
Retention periods must comply with all applicable legal and regulatory requirements, including tax laws, RBI guidelines, and other statutory obligations.
Availability for Audit:
All retained records must be made available for review or inspection by the Company, auditors, or regulatory authorities upon request.
Disposal:
After the retention period expires, records may be securely destroyed in a manner that ensures confidentiality and compliance with legal requirements.
Member Liability:
Members are liable for any non-compliance with record retention requirements and may face penalties, suspension, or other legal consequences.
Updates to Policy:
The Company reserves the right to modify the record retention policy from time to time in line with legal or operational requirements.
Acknowledgment:
By using the Platform, Members acknowledge their responsibility to retain records properly and comply with all retention policies and legal obligations.
Definition:
Marketing & Promotion refers to activities undertaken by Members to promote the Platform, its services, and products, in accordance with Company guidelines.
Company Approval:
All marketing materials, campaigns, or promotional activities must receive prior written approval from the Company.
Authorized Channels:
Members may only use official marketing channels, including social media handles, approved print materials, and digital platforms designated by the Company.
Prohibited Activities:
Members shall not:
Misrepresent the Company or its services
Use offensive, misleading, or false claims in promotions
Engage in spamming, unsolicited emails, or unauthorized advertisements
Brand Usage:
Use of the Company’s trademarks, logos, or branding elements must strictly follow the Company’s brand guidelines.
Compliance with Laws:
All promotional activities must comply with applicable laws, regulations, and statutory requirements, including advertising standards, consumer protection, and digital marketing laws.
Incentives & Offers:
Members may run promotions, discounts, or incentives only with explicit approval from the Company.
Reporting:
Members must maintain records of marketing campaigns and promotional activities for audit or review purposes.
Monitoring & Audit:
The Company reserves the right to monitor, review, and audit all marketing and promotional activities conducted by Members.
Consequences of Violation:
Violation of marketing and promotion policies may result in suspension of promotional privileges, penalties, legal action, or termination of membership.
Definition: Communication includes all official interactions between the Company and Members via email, SMS, WhatsApp, calls, or in-app messages.
Official Channels: Only Company-approved channels shall be used for communication.
Contact Information: Members must provide accurate, current, and complete contact details.
Update of Information: Members must promptly update any changes in contact details.
Timely Response: Members must respond to Company communications within the specified timelines.
Record of Communication: All communications may be logged, recorded, and stored by the Company for audit and compliance.
Acknowledgment: Sending a message through official channels is deemed sufficient notice, irrespective of actual reading by the Member.
Urgent Alerts: Members must act upon urgent notifications such as compliance alerts, transaction issues, or policy changes.
Prohibited Usage: Members shall not use Company communication channels for spam, harassment, or unauthorized marketing.
Compliance with Laws: All communications must adhere to applicable laws, including electronic communication regulations.
Transaction-related Notices: Company may notify Members of transaction status, approvals, or failures.
Regulatory Notifications: Members may receive alerts regarding RBI, NPCI, GST, or other statutory requirements.
Policy Updates: Company will communicate updates, changes, or modifications to platform policies.
Promotional Communication: Any promotional messages or offers sent by Company must comply with applicable marketing laws.
Complaint Escalation: Members should use official communication channels to report complaints or disputes.
Monitoring & Audit: The Company reserves the right to monitor communications for policy compliance.
Liability: Members are responsible for ignoring or failing to act on important communications.
Confidentiality: Members must maintain confidentiality of sensitive information received via official channels.
Legal Notice: Any legal notice sent via official channels is considered valid and binding.
Consequences of Violation: Non-compliance with communication rules may result in penalties, suspension, or termination of membership.
Definition: Notifications & Alerts refer to all system-generated, platform-based, or official messages sent by the Company to Members.
Purpose: Alerts serve to inform Members about transactions, compliance requirements, updates, promotions, security issues, or any other important platform-related information.
Official Channels: Notifications may be delivered via email, SMS, WhatsApp, app notifications, or other Company-approved channels.
Timely Delivery: The Company strives to send notifications promptly; however, delivery delays may occur due to technical or third-party reasons.
Member Responsibility: Members must regularly check and acknowledge notifications to remain informed about important updates or actions required.
Critical Alerts: Members must act immediately upon critical notifications, including failed transactions, fraud alerts, or compliance issues.
Compliance Alerts: Members will receive notifications regarding legal, regulatory, or platform compliance obligations.
Transaction Alerts: Alerts regarding transaction status (successful, pending, or failed) will be sent to Members.
Security Alerts: Notifications may include security updates, password changes, suspicious activity, or unauthorized access warnings.
Promotional Alerts: Company may send marketing or promotional messages, subject to approval and applicable laws.
Acknowledgment of Alerts: Members are deemed to have received notifications once sent via official channels, irrespective of actual reading.
Record Keeping: Notifications are recorded by the Company for audit, compliance, and dispute resolution purposes.
Technical Failures: The Company is not liable for missed notifications due to technical issues, device problems, or incorrect contact details.
Modification of Alerts: The Company may modify alert settings, content, frequency, or delivery methods at its discretion.
Unauthorized Alerts: Members must not forward or misuse official notifications for unauthorized purposes.
Urgent Notifications: Some notifications may require immediate action and failure to act may lead to penalties or suspension.
Legal & Regulatory Compliance: Alerts related to laws, regulations, or statutory obligations must be followed by Members without delay.
Privacy: Notifications may contain sensitive information, and Members must maintain confidentiality.
Dispute Notices: Any notices related to disputes, penalties, or actions against Members will be delivered through notifications.
Consequences of Non-Compliance: Ignoring or not acting on notifications may result in service suspension, fines, or termination of membership.
Definition: Security Breach Notification refers to official alerts sent by the Company to Members in case of unauthorized access, hacking attempts, data leaks, or other security incidents.
Purpose: To inform Members promptly about any security incidents affecting their accounts, personal information, or transactions.
Official Channels: Notifications will be sent via email, WhatsApp, SMS, or in-app messages.
Timely Action: Members must act immediately upon receiving a security breach notification to mitigate potential losses.
Member Responsibility: Members are responsible for monitoring their accounts and reporting suspicious activities to the Company.
Access Restrictions: The Company may temporarily restrict or suspend accounts involved in suspected security breaches until resolution.
Password & Credential Updates: Members must change passwords or update authentication credentials as instructed by the Company.
Data Safety Measures: Members should follow Company guidelines for secure handling of personal information, PINs, passwords, and devices.
Reporting Incidents: Members must report any security incidents they detect to the Company immediately.
Investigation: The Company reserves the right to investigate all security incidents thoroughly.
Notification Timing: Security breach notifications will be sent as soon as reasonably possible after detection.
Liability Limitation: The Company is not liable for losses due to delayed reporting by the Member or negligence in following security guidelines.
Third-Party Systems: If the breach involves third-party systems, the Company will coordinate notifications and remedial actions.
Preventive Measures: Members are encouraged to implement multi-factor authentication, secure devices, and safe transaction practices.
Confidentiality: Members must keep details of security incidents confidential unless legally required to disclose.
Compliance: Members must comply with all instructions in the notification to ensure resolution of the breach.
Legal Reporting: The Company may report certain breaches to regulatory authorities, law enforcement, or banks as required by law.
Continuous Monitoring: Members’ accounts may be monitored to detect and prevent future security incidents.
Policy Changes: The Company may update security notification policies at any time, and Members are bound by updated policies.
Consequences of Non-Compliance: Failure to act on security notifications may result in financial loss, suspension, or termination of membership.
Definition: Updates & Modifications refer to any changes, additions, or deletions made by the Company to the Platform, services, policies, subscription plans, or Terms and Use.
Right to Update: The Company reserves the right to update or modify the Platform and its policies at any time without prior notice.
Notification of Changes: Members may be notified of significant changes through official channels such as email, WhatsApp, SMS, or in-app messages.
Effectiveness of Updates: All updates and modifications become effective immediately upon posting on the Platform, unless otherwise specified.
Member Responsibility: Members are responsible for regularly checking the Platform for updates and ensuring compliance with modified terms.
Acceptance: Continued use of the Platform after updates constitutes acceptance of the new terms and modifications.
Policy Updates: Changes may include operational policies, subscription plans, fees, commission structures, and transaction limits.
Service Updates: The Company may add, remove, or modify Platform features or services to improve user experience or comply with legal requirements.
Regulatory Updates: Updates may be implemented to comply with laws, RBI/NPCI guidelines, GST regulations, or other statutory obligations.
Security Updates: Members must comply with security-related modifications to maintain account and transaction safety.
Content Updates: Company may update content, disclaimers, terms, and intellectual property notices.
Technical Updates: Platform updates may include bug fixes, performance improvements, or system upgrades.
Trial or Promotional Updates: Any changes to trials, offers, or promotional campaigns will be notified and applied as per Company discretion.
Non-Refundable Changes: Updates to subscription plans, fees, or services do not entitle Members to refunds unless explicitly stated.
Temporary Suspension: During updates, certain services may be temporarily unavailable. Members must comply and wait for restoration.
Acknowledgment of Updates: Members acknowledge that updates may affect functionality, availability, and operational procedures.
Third-Party Updates: Integration with third-party services may require additional modifications, which Members must comply with.
Dispute Resolution: Any disputes arising from updates or modifications will be addressed according to the Terms & Use and applicable law.
Modification Rights: Company reserves full discretion to implement updates unilaterally, within legal limits.
Consequences of Non-Compliance: Failure to adhere to updates or modifications may lead to suspension, restriction, or termination of the Member’s account.
Definition: Governing Law & Jurisdiction specifies the legal framework and courts applicable for resolving disputes between the Company and Members.
Applicable Law: All matters arising under this Agreement shall be governed by and construed in accordance with the laws of India.
State Law: Specifically, the laws of the State of Rajasthan shall apply to all disputes, transactions, and enforcement matters.
Jurisdiction: All disputes shall be subject to the exclusive jurisdiction of courts in Jhunjhunu, Rajasthan.
Member Consent: By using the Platform, Members expressly agree to the jurisdiction and venue specified herein.
Legal Binding: This clause is legally binding and overrides any contradictory clauses in other agreements or communications.
Dispute Resolution Alignment: Governing law shall guide all dispute resolution, arbitration, or legal proceedings.
Enforcement of Decisions: Judgments, awards, or decisions of the courts in Jhunjhunu, Rajasthan shall be enforceable against Members.
Compliance with Law: Members must comply with all applicable laws of India and Rajasthan while using the Platform.
Contractual Obligation: This clause forms part of the contractual obligations agreed to by Members during registration.
Prevention of Forum Shopping: Members cannot approach courts outside the jurisdiction of Jhunjhunu, Rajasthan for matters covered by this Agreement.
Legal Notices: Any notices related to disputes must adhere to governing law requirements.
Interpretation: Provisions of the Agreement shall be interpreted according to Indian laws and Rajasthan-specific statutes.
Regulatory Compliance: All actions, penalties, or enforcement shall comply with Indian and Rajasthan regulations.
Arbitration & Litigation: Any arbitration or litigation must follow the jurisdictional rules of Jhunjhunu, Rajasthan.
Liability Consideration: Governing law defines limitations of liability, indemnity, and obligations under the Agreement.
Member Acknowledgment: Members acknowledge that they are aware of and accept the legal framework of Rajasthan.
Conflict Resolution: Any conflict arising between this Agreement and other contracts shall defer to the governing law of Rajasthan.
Legal Recourse: Members have legal recourse only within the courts of Jhunjhunu, Rajasthan for matters under this Agreement.
Binding Effect: This clause ensures clarity, enforceability, and legal certainty for both the Company and Members.
Definition: Severability refers to the principle that if any provision of this Agreement is found invalid, illegal, or unenforceable, it will not affect the validity of the remaining provisions.
Independent Validity: Each clause of this Agreement is independent and enforceable on its own.
Partial Invalidity: If any part of a clause is deemed unenforceable, only that part will be modified or disregarded.
Remaining Agreement: All other provisions will remain in full force and effect.
Legal Compliance: Severability ensures that the Agreement complies with applicable laws even if some clauses are invalidated.
Adjustment by Court: A competent court may modify or interpret the invalid clause to make it enforceable while preserving the original intent.
No Impact on Rights: Severability does not affect the Company’s rights, obligations, or remedies under the remaining provisions.
Enforceability: The enforceable portions of the Agreement continue to bind the Members legally.
Protection of Company Interests: The principle protects the Company from losing enforceability due to a single invalid clause.
Protection of Member Rights: Members’ rights under valid provisions remain intact even if some clauses are severed.
Continuity of Agreement: The Agreement continues to operate without interruption, notwithstanding partial invalidity.
Modification by Parties: Parties cannot arbitrarily sever clauses; modification must comply with legal standards.
Jurisdictional Effect: Severability applies within the legal jurisdiction specified in the Agreement (Jhunjhunu, Rajasthan).
Interpretation Consistency: Courts must interpret the remaining provisions in a manner consistent with the original purpose of the Agreement.
Avoiding Nullification: The entire Agreement will not be nullified due to invalidity of a single clause.
Good Faith Enforcement: Both Company and Members must enforce the Agreement in good faith, respecting severable clauses.
Notification: Members may be informed if any clause is modified or deemed unenforceable.
Legal Adjustments: Any adjustment or interpretation must follow applicable Indian law and regulations.
Dispute Consideration: Severability will be considered in dispute resolution or legal proceedings.
Acknowledgment: Members acknowledge and agree that even if a clause is unenforceable, the remainder of the Agreement remains binding.
Definition: Notices refer to all formal communications between the Company and Members regarding the Platform, services, updates, or legal matters.
Method of Delivery: Notices may be delivered via email, WhatsApp, SMS, in-app messages, or registered post.
Official Email IDs: Company notices will be sent from official emails: 01pecare@gmail.com or Fajlkahelp@gmail.com.
WhatsApp Communication: Members may receive notices via WhatsApp on the official number 9660414204 or channel “01pe Helpdesk | A Fajlka Brand.”
Registered Post: For legal notices, the Company may use postal addresses provided during registration.
Effective Date of Notice: A notice is considered effective:
Immediately upon delivery via email, WhatsApp, or SMS.
On the date of receipt if sent by registered post.
Member Responsibility: Members must ensure their contact details are accurate and updated on the Platform.
Communication Updates: Members are responsible for checking notifications and messages regularly.
Language of Notice: Notices shall be delivered in English or Hindi, as deemed appropriate by the Company.
Legal Compliance: Notices comply with applicable Indian laws and regulations.
Dispute-Related Notices: Any legal or dispute-related communication will follow the notice provisions.
Urgent Notifications: The Company may send urgent notices regarding security, system downtime, or policy changes.
Acknowledgment of Receipt: Members are deemed to have received a notice once delivered by any of the approved channels.
Official Communication: All official communication from the Company to Members will be deemed valid even if not personally acknowledged.
Notification of Updates: Notices may include updates to Terms & Use, subscription plans, fees, or service changes.
Legal Validity: Notices sent through approved channels have full legal validity for all purposes under this Agreement.
Member Dispute: If a Member claims non-receipt of notice, Company records of delivery will be considered conclusive.
Communication during Suspension: Notices may continue to be sent to Members whose accounts are suspended or terminated.
Record Keeping: Company will maintain records of all notices sent for legal and compliance purposes.
Acknowledgment by Member: By using the Platform, Members agree to receive all notices through the prescribed communication channels.
Definition: This clause confirms that the Agreement constitutes the complete and final understanding between the Company and Members regarding the Platform.
Supersedes Previous Agreements: It overrides any prior agreements, negotiations, or communications, whether written or oral, related to the Platform.
No External Promises: No external promises, statements, or representations outside this Agreement shall be binding.
Integrated Terms: All policies, rules, and procedures referenced in this Agreement are part of the entire Agreement.
Amendment Requirement: Changes or modifications to the Agreement must be in writing and issued by the Company.
Consistency: All other agreements or arrangements conflicting with this Agreement are invalid.
Binding Effect: This Agreement binds the Company and all Members fully and legally.
Acknowledgment of Understanding: Members acknowledge that they have read, understood, and agreed to all provisions.
No Waiver of Rights: Non-enforcement of any clause does not constitute waiver of rights.
Future Agreements: Any future agreement regarding the Platform must explicitly reference and be consistent with this Agreement.
Reference in Legal Matters: This Agreement serves as the primary reference for any legal dispute or regulatory compliance matter.
Scope of Services: The entire scope of services, roles, responsibilities, and liabilities of Members and the Company is captured herein.
Compliance with Law: The Agreement ensures compliance with applicable Indian laws and regulations.
Interpretation: In case of ambiguity, the terms of this Agreement prevail over any external communication or informal understanding.
Severability Integration: Severability provisions ensure that even if a part is invalid, the rest of this Agreement remains enforceable.
Notice Integration: Notice and communication provisions are fully integrated into the Agreement.
Acknowledgment of Updates: Members acknowledge that updates and modifications communicated as per this Agreement form part of the entire Agreement.
Member Consent: By continuing to use the Platform, Members consent to the Agreement in its entirety.
Legal Recognition: The Agreement is legally recognized as the final and complete contract between the parties.
No External Reliance: Members cannot rely on any external or unofficial documentation, promises, or communications outside this Agreement.
Definition: This clause confirms that Members acknowledge and accept all terms, conditions, and policies outlined in the Agreement.
Explicit Consent: By using the Platform, Members provide explicit consent to be bound by the Agreement.
Understanding of Rights & Obligations: Members acknowledge that they understand their rights, duties, and liabilities under this Agreement.
Acceptance of Policies: Members agree to comply with all Company policies, subscription terms, and operational rules.
Legal Binding: The acknowledgment serves as legal evidence of the Member’s acceptance and consent.
No Misrepresentation: Members confirm that their registration details are accurate and complete.
Non-Refundable Fees: Members acknowledge that subscription fees, advance limits, and other charges are non-refundable as per the Agreement.
Compliance Obligation: Members accept responsibility for complying with all applicable laws, regulations, and guidelines provided by the Company.
Use of Platform Services: Members acknowledge the rules of usage for all services including AEPS, DMT, BBPS, UPI, Recharge, Payouts, and other integrated services.
Acknowledgment of Liability: Members recognize that failure to comply with the Agreement may result in suspension, termination, or legal action.
Acknowledgment of Risks: Members acknowledge that use of the Platform involves financial, operational, and cybersecurity risks.
Data Accuracy Responsibility: Members accept responsibility for providing accurate data and updating it regularly.
Transaction Responsibility: Members acknowledge that they are liable for all transactions carried out through their account.
Notification Receipt: Members acknowledge that notices sent through email, WhatsApp, or SMS are legally valid and binding.
Modification Acceptance: Members acknowledge that Company may update or modify the Agreement, and continued use constitutes acceptance.
Non-Transferability: Members accept that their account and subscription are personal and non-transferable.
Acknowledgment of Audit & Compliance: Members acknowledge their responsibility to cooperate in audits and compliance checks.
Acknowledgment of Indemnity: Members accept that they may be liable to indemnify the Company in case of loss or legal issues caused by their actions.
Acknowledgment of Intellectual Property Rights: Members acknowledge that content, branding, and IP belong to the Company and cannot be misused.
Binding Effect: Members agree that this acknowledgment confirms they have read, understood, and accepted the Agreement in full and legally binding form.
Definition: Non-Waiver ensures that the Company’s failure to enforce any provision does not mean the Company waives its rights.
Partial Non-Compliance: Even if the Company does not act on a breach, the right to enforce it later remains intact.
No Automatic Waiver: Silence, delay, or non-action by the Company does not constitute waiver of rights.
Written Waiver Requirement: Any waiver must be explicitly provided in writing and signed by the authorized representative of the Company.
Temporary Forgiveness: Any temporary indulgence or leniency does not affect the Company’s rights for future instances.
Applicability to All Provisions: Non-waiver applies to all clauses in the Agreement including fees, liabilities, termination, and compliance.
Member Obligations: Members remain responsible for their actions, even if the Company has not previously enforced a particular clause.
Company Discretion: The Company has sole discretion to enforce or not enforce any provision at any time.
Legal Rights Preservation: All legal rights of the Company are preserved despite any previous non-action.
No Estoppel: Members cannot claim that the Company has waived rights due to prior non-enforcement.
Enforcement Flexibility: The Company may enforce provisions partially, fully, or selectively without waiving future enforcement rights.
Independent Waiver: Waiver of one right does not affect the Company’s other rights.
Time Bound: Non-waiver is not limited by any time period; rights remain enforceable at any time.
Notice of Enforcement: The Company may provide notice to enforce its rights without affecting past inaction.
Consistent Policy: Non-waiver ensures consistency in enforcement and prevents claims of unfair treatment.
Legal Record: The Company may maintain records of non-enforcement while retaining rights for future legal action.
Member Agreement: Members acknowledge that prior leniency does not reduce their obligations.
Protection Against Claims: Prevents Members from claiming that the Company has lost its rights due to non-action.
Flexibility in Action: Company may choose enforcement actions suitable for each situation without losing rights.
Binding Effect: Members accept that Non-Waiver clause is legally binding and enforceable at all times.
Definition: This clause provides clear rules for interpreting the terms and provisions of the Agreement.
Headings: Section headings are for reference only and do not affect the interpretation of the clauses.
Singular & Plural: Words in singular form include plural and vice versa unless context dictates otherwise.
Gender Neutrality: Words referring to any gender include all genders.
Includes / Including: The terms “includes” or “including” are illustrative, not exhaustive.
Mandatory vs. Permissive: Words like “must,” “shall,” and “required” are mandatory; “may” and “can” are permissive.
Conflicting Terms: In case of conflicting provisions, the more specific term prevails over a general term.
Precedence of Policies: This Agreement takes precedence over any prior or external communication or policy.
Numbers & Amounts: Numerical references are exact and binding; approximate numbers are clarified by context.
Dates & Times: All deadlines, durations, and effective dates are interpreted in the context of Indian Standard Time unless specified otherwise.
Currency: All financial references are in INR / ₹ / Rupees unless explicitly stated.
Legal Interpretation: All terms are interpreted in accordance with applicable Indian laws and regulations.
Consistency: Interpretation aims to give effect to all provisions in a consistent manner.
No External Reliance: Members cannot rely on external explanations, discussions, or informal notes for interpretation.
Amendments: Any modifications to the Agreement must be interpreted as per the rules set in the Updates & Modifications clause.
Integration: References to other sections, annexures, or policies are considered part of the Agreement for interpretation.
Ambiguity Resolution: Any ambiguity or conflict is resolved in favor of the Company’s intended purpose of the platform.
Priority of Clauses: In case of inconsistency between clauses, the clause providing stricter compliance or higher protection to the Company prevails.
Acknowledgment: Members acknowledge that they understand how terms are defined and prioritized in the Agreement.
Binding Effect: This clause is legally binding and ensures uniform understanding and enforcement of all terms.
Maintain confidentiality of the login ID and password provided by the Company.
Do not share login credentials with any other person under any circumstance.
All transactions must be performed only by the authorized user.
Use AEPS, DMT, BBPS, Recharge, PAN Card, and other services strictly as per Company guidelines.
Maintain accurate and complete customer KYC information.
Providing false or incorrect information is punishable and may result in immediate suspension.
All financial transactions must be conducted via the Company’s authorized portal/app.
Maintain transaction records for a minimum of 90 days.
Avoid any fraudulent behavior, misrepresentation, or charging unauthorized fees from customers.
Follow the Company’s prescribed commission or fee structure.
Report any errors in service or transactions immediately to the Distributor or Support Team.
Unauthorized use of Company name, logo, or trademark is prohibited.
Ensure the security of devices used for Company services (mobile/PC).
Logging in through third-party software or apps is strictly prohibited.
Provide transaction receipts to customers via SMS, print, or WhatsApp.
Biometric data of customers during AEPS services must not be misused.
Do not store or misuse customer OTPs, passwords, or card details.
Read and comply with all updates, notices, and circulars issued by the Company.
Report any technical issues immediately to Distributor or Support Channel.
Ensure internet security during all transactions.
Prevent money laundering and illegal transactions; compliance is the Retailer’s responsibility.
Exploiting system errors or faults is strictly prohibited.
Do not collect any additional charges from customers beyond prescribed fees.
Company’s decision in any dispute is final and binding.
Maintain and protect the Company’s reputation within your area.
Ensure transparent service delivery at your store or center.
Possess valid, updated fingerprint/biometric devices for AEPS services.
Avoid misleading promotions or false claims.
Do not share customer data with any third party.
Any changes to service charges are only as determined by the Company.
Perform services and reporting within prescribed timelines.
Report immediately if a refund is due to any customer.
Keep bank account details updated at all times.
Company is not liable for losses due to incorrect bank details provided by Retailer.
Maintain a clean, organized, and professional environment at your center.
Resolve complaints as per Company policies.
Follow instructions from Distributor or Master Distributor.
Legally responsible for all actions performed as a Retailer.
Involvement in illegal activities may result in immediate termination of ID.
Promote only Company-approved products and services.
Do not harm the Company’s brand or image under any circumstances.
Prioritize addressing customer complaints promptly.
Use only Company-authorized grievance mechanisms for dispute resolution.
Participate in training sessions as per Company policies.
Display all required documents (ID proof, license, etc.) at your center.
Comply with all Government and RBI regulations.
Report any incorrect transactions immediately and cooperate in investigations.
Follow Company guidelines when onboarding new customers in your area.
Misuse or transfer of Retailer ID is illegal and strictly prohibited.
Agree that the Company may change policies, fees, or rules without prior notice.
Follow all rules, terms, and guidelines issued by the Company.
Maintain confidentiality of login ID, password, and access codes.
Supervise all Retailers under your network.
Ensure all Retailers operate with valid KYC.
Provide timely training and guidance to Retailers.
Disseminate all Company communications to your network.
Avoid making false promises or providing incorrect information.
Monitor all transactions conducted by Retailers under your network.
Report any suspicious activity immediately to the Company or Master Distributor.
Collect service fees or commissions from Retailers strictly as per Company policy.
Resolve complaints from Retailers promptly.
Ensure accuracy of all financial transactions in your network.
Promote all Company services accurately and transparently.
Maintain the Company’s reputation and credibility within your territory.
Do not share confidential information with other competing companies.
Expand your network in accordance with Company guidelines.
Conduct all activities via the Company’s online portal or app.
Report any technical issues to the Support Team immediately.
Compile Retailer complaints and suggestions and forward them to the Company.
If found providing incorrect transaction information, your ID may be suspended.
Maintain and regularly update the list and records of your Retailers.
Conduct all payments via authorized banking channels.
Verify the authenticity of Retailers’ bank account details.
Take immediate action on any fraud detected in your network.
Comply with all applicable Government and banking regulations in your territory.
Ensure Retailers understand and follow Company policies and security procedures.
Ensure no Retailer participates in money laundering or illegal activities.
Avoid any illegal or unethical activities yourself.
Ensure compliance with data security and privacy standards in your network.
Avoid unauthorized use of Company brand, logo, or materials.
Prepare monthly performance reports for your network.
Comply with the Company’s Financial Settlement rules.
Ensure timely distribution of commissions to Retailers.
Participate in all Company-issued training sessions.
Promote a transparent transaction culture within your network.
Cooperate with the Company in case of any disputes or investigations.
Assist Retailers in resolving customer complaints.
Implement all Policy Updates issued by the Company promptly.
Maintain financial records of your network for at least 1 year.
Promote digital payment adoption in your network.
Ensure no Retailer operates with fake documents.
Conduct periodic internal audits of network activities.
Maintain transparency in case of any financial disputes.
Provide timely operational and technical support to Retailers.
Obtain Company approval for network expansion.
Maintain discipline and professional ethics within your territory.
Avoid any misleading promotions, false claims, or deceptive practices.
Never harm the Company’s brand or reputation.
Ensure all Retailers under your network are active and satisfied.
Accept that the Company may modify policies or fee structures at any time.
Comply fully with all Company policies, terms, and guidelines.
Monitor activities of all Distributors and Retailers under your network.
Ensure all Distributors operate with valid KYC.
Regularly review all activities within your network.
Maintain and protect the Company’s brand image in your territory.
Implement all Company-issued Circulars and Updates immediately.
Report any illegal or improper activities promptly.
Maintain coordination between Distributors and Retailers.
Organize Training Programs for your network.
Ensure all IDs in your network are correctly active.
Maintain clarity of commission and payment policies with Distributors.
Keep your network’s financial records secure and updated.
Promote all Company products and services in your territory.
Protect the Company’s brand and reputation.
Ensure transparent and secure transactions within your network.
Do not give unfair advantages or privileges to any Distributor or Retailer.
Ensure compliance with data security and privacy rules in your network.
Monitor that no member misbehaves with customers.
Maintain an effective grievance redressal system in your network.
Submit regular performance reports of your regional network to the Company.
Provide periodic Training and Guidance to your Distributors.
Ensure no Distributor engages in misleading promotions.
Review all network activities periodically.
Be accountable for accuracy of financial transactions in your network.
Maintain transparency in all network operations.
Complete all responsibilities assigned by the Company on time.
Oversee Commission Settlements of Distributors.
Report any ID-related issues of Distributors or Retailers to the Company.
Prevent any fraud or malpractice within your network.
Promote new Company products in your territory.
Expand your network only with Company approval.
Encourage Distributors to improve customer service.
Report any technical issues promptly to the Support Team.
Resolve disputes among your Distributors effectively.
Submit comprehensive sales and performance reports of your territory to the Company.
Ensure no Distributor or Retailer violates Company policies.
Maintain transparency in all financial matters in your network.
Avoid any action that may harm the Company’s image.
Promote Digital Payment Awareness within your network.
Educate Distributors on all Regulatory Guidelines.
Cooperate fully with the Company in any Dispute Resolution.
Establish proper Reporting Systems to monitor your network.
Ensure timely settlements by each Distributor.
Take strict action against financial fraud in your network.
Implement Customer Data Protection practices in your network.
Comply with Competition rules in your territory.
Ensure no Money Laundering activities occur in your network.
Cooperate in internal audits conducted by the Company.
Ensure adherence to all Government and Banking laws in your territory.
Accept that the Company may modify policies or commission structures at any time.
Comply fully with all Company policies, guidelines, and Terms & Use.
Monitor all Master Distributors, Distributors, and Retailers in the state.
Ensure all network members operate with valid KYC.
Maintain and protect the Company’s brand image and reputation across the state.
Prepare monthly, quarterly, and annual performance reports of the state network.
Report fraud, misuse, or any unauthorized activities to the Company immediately.
Provide regular guidance and training to Master Distributors under your supervision.
Ensure all Master Distributors and Distributors fulfill their responsibilities.
Establish and monitor a Complaint Redressal System at the state level.
Implement all Company-issued Circulars and Updates effectively.
Plan network expansion and present the plan to the Company.
Monitor all financial transactions and commission payments.
Ensure no member charges customers unfair fees.
Conduct Training Sessions and Awareness Programs in the state.
Promote Digital Payments and Company services across the state.
Ensure all network members comply with Data Security and Privacy Policies.
Review ID activities of each Master Distributor and Distributor.
Ensure compliance with all legal, RBI, and governmental directives.
Report any technical issues promptly to the Support Team.
Maintain transparency in all network transactions.
Monitor state-level sales, transactions, and settlements.
Enforce Compliance and Regulatory Guidelines in your territory.
Take impartial decisions in any dispute.
Ensure Training and Guidance for all Master Distributors under your supervision.
Use Fraud Detection and Prevention tools effectively.
Conduct internal audits of all network activities at the state level.
Prevent any unauthorized or illegal activities immediately.
Ensure Customer Satisfaction across your network.
Educate all employees and members in your network on ethical and professional conduct.
Take immediate action against any illegal activity.
Plan strategies to improve Network Performance in your territory.
Monitor Commission and Settlement of all Master Distributors and Distributors.
Support promotion of all Company products and services.
Systematically monitor Customer Complaints and Feedback.
Ensure proper communication channels for all network members.
Implement all Data Backup and Security Protocols in the state.
Prevent use of unauthorized tools or software within the network.
Report and evaluate all state-level Training Programs.
Prevent any Data Leak or Privacy Breach in the network.
Present Network Expansion strategies to the Company on time.
Maintain all Financial and Legal Documentation for the state.
Take immediate action against Misuse or Policy Violations.
Strengthen Compliance and Governance standards in the network.
Resolve disputes between Master Distributors and Distributors.
Ensure accuracy of all Transactions and Reports in your network.
Implement Customer Awareness and Education Programs.
Prevent any Misrepresentation or Fake Activity in the network.
Monitor Professional Conduct of all network members.
Ensure all network members operate in accordance with Company Policies.
Accept that the Company may change rules, policies, or Commission Structures at any time.
Support Availability: Customer support will be available during the Company’s defined business hours (10:00 AM – 7:00 PM, Monday to Friday).
Support Channels: Support will be provided via Email, Phone, WhatsApp, and the 01Pe Helpdesk Channel.
Response Time:
Critical issues: Response within 2 hours.
High priority issues: Response within 6 hours.
Medium priority issues: Response within 12 hours.
Low priority/general queries: Response within 24 hours.
Resolution Time: The Company will make reasonable efforts to resolve issues based on priority, complexity, and resource availability.
Ticketing System: All support requests must be logged via official channels for tracking and accountability.
Issue Categorization: Support tickets will be categorized as Critical, High, Medium, or Low to prioritize resolution.
Acknowledgment: All requests will be acknowledged immediately upon submission.
Escalation Matrix: If a ticket is not resolved within the specified SLA, it will be escalated to higher management or support tiers.
Member Responsibility: Members must provide accurate information, screenshots, and relevant transaction details to facilitate resolution.
System Downtime: During planned maintenance or unexpected downtime, support timelines may vary; members will be notified in advance when possible.
Support Limitations: The Company is not responsible for issues arising due to member negligence, misuse, or non-compliance with policies.
Update Notifications: Members will be informed about the status of their tickets and resolution progress via SMS, Email, or WhatsApp.
Data Privacy: All member information shared during support interactions will be kept confidential.
Technical Assistance: Support includes guidance for platform usage, troubleshooting technical issues, and resolving transaction-related queries.
Service Exclusions: Support does not cover external third-party systems, bank delays, or services beyond the Company’s control.
Feedback Collection: Members may be requested to provide feedback on support quality to improve services.
Documentation: Records of all support interactions will be maintained for compliance and audit purposes.
Force Majeure: Support SLA timelines may be impacted by events beyond the Company’s control (e.g., natural disasters, regulatory restrictions).
Continuous Improvement: The Company reserves the right to update SLA terms to enhance support efficiency.
Legal Compliance: All support services will comply with applicable laws, RBI/NPCI guidelines, and regulatory requirements.
Definition: Transaction Limits refer to the maximum monetary amount or number of transactions a member can perform within a defined period (daily, weekly, or monthly) on the Platform.
Applicability: Limits apply to all Members, including Retailers, Distributors, Master Distributors, and State Heads.
Company Discretion: The Company reserves the right to set, modify, or adjust transaction limits at any time without prior notice.
Subscription-Based Limits: Transaction limits may vary according to the member’s subscription plan.
Advance Limit Caps: Members availing Advance Limit services will have additional transaction caps as per the approved package.
Daily Transaction Limit: Each member is assigned a daily monetary and/or transaction count limit, which must not be exceeded.
Weekly/Monthly Limit: Aggregated weekly or monthly transaction limits may also apply as specified by the Company.
Transaction Monitoring: The Company monitors all transactions in real-time to ensure compliance with limits.
Exceeding Limits: Any attempt to exceed assigned limits may result in transaction rejection, temporary suspension, or penalties.
Penalty for Violation: Members exceeding limits intentionally may incur penalties, charges, or account suspension.
Temporary Adjustments: The Company may temporarily adjust limits due to system maintenance, liquidity, regulatory requirements, or risk management.
High-Risk Transactions: Certain high-value or sensitive transactions may require additional verification and separate caps.
Transaction Segmentation: Different services (AEPS, DMT, BBPS, Recharge, Payout) may have individual limits within the overall cap.
Member Responsibility: Members are responsible for adhering to transaction limits and ensuring no unauthorized use occurs on their account.
Automatic Enforcement: Limits are automatically enforced by the Platform; members cannot bypass system restrictions.
Notifications: Members will be notified when approaching or exceeding transaction limits via SMS, Email, or App notifications.
Regulatory Compliance: All limits comply with RBI, NPCI, and other applicable regulatory guidelines.
Modification of Limits: The Company may revise limits periodically; continued use of the Platform constitutes acceptance of revised limits.
Record Keeping: The Company maintains records of transactions for auditing, compliance, and dispute resolution purposes.
Liability Disclaimer: The Company is not liable for transaction failures or delays caused due to exceeding limits or system-enforced caps.
Force Majeure Impact: Transaction limits may be affected during system downtime, unforeseen technical issues, or regulatory mandates.
Reporting Violations: Members must immediately report any suspected breach or unauthorized transaction to the Company.
Limit Reset: Daily/weekly/monthly limits are reset as per the Company-defined schedule (e.g., at midnight or first day of month).
Integration with Other Policies: Transaction limits work in coordination with Subscription Plans, Advance Limit Packages, and Risk Management policies.
Definition: All charges, fees, or commissions applicable to Members for using the Platform’s services must be transparently disclosed.
Applicability: Charges apply to all Members, including Retailers, Distributors, Master Distributors, and State Heads.
Service Fees: Each service (AEPS, DMT, BBPS, Recharge, UPI, PAN, Payout) may have a specific fee structure.
Subscription Fees: Membership subscription fees are clearly defined for each plan and are non-refundable.
Advance Limit Fees: Activation fees, package charges, and penalties for Advance Limit services are disclosed prior to activation and are non-refundable.
Transaction Charges: Per-transaction charges, commission structures, or service fees are displayed in the member portal and platform.
Dynamic Fees: The Company may revise fees or commissions from time to time; continued use constitutes acceptance of revised fees.
Penalty Charges: Fees for late repayment, exceeding transaction limits, or policy violations are clearly defined.
Tax Disclosure: Applicable taxes (GST, TDS, etc.) will be levied on top of all fees as per statutory requirements.
Non-Refundable Clause: All service, subscription, activation, and penalty fees are strictly non-refundable unless specifically stated.
Fee Notification: Members will be notified of any changes in fees or charges via the platform, email, or WhatsApp channel.
Fee Deduction: The Company reserves the right to automatically deduct applicable fees, penalties, or charges from the member’s wallet.
Insufficient Balance: If wallet balance is insufficient, members are obligated to pay the outstanding fees separately.
Transparency: All charges must be clearly communicated to the member before completing any transaction.
Audit Rights: Members must maintain transaction records, receipts, or invoices to verify fees and charges in case of disputes.
Third-Party Charges: Any fees imposed by third-party services integrated into the platform are separately disclosed.
Promotional Offers: Temporary discounts, cashback, or promotional fee waivers are valid only as per terms of the promotion.
Fee Changes: Company reserves the right to modify any charges, commissions, or fee structure at its discretion, without prior approval, but with notice.
Dispute on Fees: Any dispute related to fees must be reported immediately to the Company; delayed reporting may not be entertained.
Acknowledgment: By using the Platform, members acknowledge understanding and acceptance of all disclosed fees, charges, and penalties.
Compliance: All fees, charges, and disclosures comply with applicable laws, regulatory guidelines, and RBI/NPCI mandates.
Service-Specific Fees: Different services (Recharge, AEPS, DMT, BBPS, UPI, M-ATM, PAN Card, Payout) may have separate fee structures.
Special Conditions: Any additional or one-time fees applicable under special circumstances (e.g., ID renewal, high-value transactions) will be communicated clearly.
Member Responsibility: Members are responsible for checking and confirming applicable charges before performing any transaction.
Record Retention: Fees and charge records must be maintained for audit, compliance, or dispute resolution purposes.
Audit Compliance: Each Member (Retailer, Distributor, Master Distributor, State Head) shall cooperate in any audit conducted by the Company or any regulatory authority.
Record Maintenance: Members must maintain accurate and updated financial and transaction records.
Reporting Frequency: All operational, financial, and network reports shall be submitted to the Company on a monthly, quarterly, or annual basis, as prescribed.
Transparency: All audit and reporting data must be true, transparent, and based on actual figures.
Internal Audit: Distributors, Master Distributors, and State Heads must conduct periodic internal audits of their respective networks.
Data Submission: Members must provide all required documents, reports, and records to the Company upon request.
Compliance Verification: The Company reserves the right to audit any Member’s operations to ensure policy and compliance adherence.
Third-Party Audit: The Company may appoint an independent auditor or third-party firm to verify Member activities.
Financial Reconciliation: Members must ensure reconciliation of all transactions and wallet balances.
Error Reporting: Any discrepancies or suspicious transactions must be reported immediately to the Company.
Fraud Detection: If any fraudulent activity is detected during the audit, the Company may initiate disciplinary or legal action.
Access Rights: Authorized Company personnel shall have the right to inspect Member’s books, accounts, and digital records.
Digital Records: All audit data should be securely stored in electronic formats such as PDF, Excel, or portal-based archives.
Retention Period: All financial records must be retained for a minimum of one (1) year, or longer if required by law.
Non-Compliance Penalty: Failure to cooperate in audit or reporting obligations may result in suspension or termination of Member ID.
Regulatory Audit: Members must fully cooperate with any audit requested by RBI, NPCI, or other regulatory agencies.
System Access: The Company may access system logs, transaction history, and user data for audit purposes.
False Reporting: Submission of misleading or false reports will attract disciplinary and legal consequences.
Audit Trail Preservation: Members must maintain complete audit trails of login activities and transaction operations.
Annual Compliance Declaration: Master Distributors and State Heads must file an annual compliance declaration affirming that their network adheres to all company policies.
Confidentiality of Audit Data: All audit-related data shall be treated as confidential and used only for official purposes.
Audit Review Meeting: The Company may conduct periodic audit review meetings with key network members.
Data Accuracy: All submitted reports must contain accurate, verified, and validated information.
Exception Handling: Any audit exception or discrepancy must be corrected within seven (7) working days.
Acknowledgment: Continued use of the platform signifies the Member’s acceptance of all audit and reporting obligations stated herein.
Mandatory Reporting: All Members are required to promptly report any suspicious, unauthorized, or unusual transaction to the Company.
Definition of Suspicious Activity: Suspicious activities include, but are not limited to, money laundering, fake KYC, unauthorized fund transfers, identity misuse, or repeated failed login attempts.
Immediate Notification: Any such activity must be reported within 24 hours of detection through the official reporting system or designated email.
Internal Investigation: Upon receiving a report, the Company will conduct an internal investigation to determine the authenticity and risk involved.
Cooperation Requirement: Members must fully cooperate during any inquiry, investigation, or data verification process.
Confidentiality: All reports and details of suspicious activity will be treated as strictly confidential.
Regulatory Escalation: If required, the Company may escalate the matter to relevant authorities such as RBI, NPCI, or Cyber Crime units.
Data Preservation: The Member must retain all transaction records and communication related to the suspicious activity for at least one (1) year.
Zero Tolerance Policy: The Company maintains a zero-tolerance policy towards fraud, misuse, or illegal activity.
System Monitoring: The Company reserves the right to monitor, track, and analyze transaction patterns using automated systems.
Suspension Rights: If suspicious behavior is confirmed, the Company may suspend or terminate the concerned Member’s ID without prior notice.
Member Accountability: The Member will be personally liable for any monetary or reputational loss caused due to fraudulent or suspicious actions.
Non-Compliance Consequences: Failure to report or concealment of suspicious activities shall be treated as a serious breach of policy.
Audit Coordination: The Company may include suspicious activity reports in its internal and external audits for compliance validation.
Training & Awareness: The Company shall provide training to Members to identify and report suspicious activities effectively.
Third-Party Reporting: If a third party (customer or agent) reports a suspicious case, it shall also be investigated by the Company.
Documentation: Every reported case must include complete details such as transaction ID, date, amount, and description of activity.
Proactive Monitoring: Members are encouraged to regularly review their dashboard and wallet logs for unusual behavior.
Reversal of Transactions: The Company reserves the right to reverse or hold any transaction pending investigation.
Legal Compliance: The Company will comply with all applicable laws under the Prevention of Money Laundering Act (PMLA), 2002, and related RBI guidelines.
Data Submission: Members must provide all logs, screenshots, or proof when requested during the review process.
Notification of Resolution: After investigation, the Company will inform the Member regarding the outcome or further required actions.
Policy Updates: The Company may update suspicious activity reporting guidelines from time to time, which Members must follow.
Fraud Prevention Cooperation: Members must assist the Company in educating customers against frauds or phishing attempts.
Acknowledgment: Continuation of services constitutes Member’s acceptance of these suspicious activity monitoring and reporting obligations.
Confidential Information: All data, business details, pricing structures, customer information, and internal communications of the Company shall be treated as confidential.
Non-Disclosure Obligation: Members shall not disclose, share, or use Company’s confidential information for personal or third-party benefit.
Access Limitation: Members may access confidential information only as required for the performance of authorized duties.
Data Protection Compliance: All Members must comply with applicable data protection and privacy laws, including IT Act and RBI data security guidelines.
Unauthorized Sharing: Any unauthorized sharing, copying, or transfer of company data, reports, or credentials shall be considered a serious breach.
Use Restriction: Members shall not use Company’s data, brand, or internal information to promote any external product, service, or competitor.
Monitoring Rights: The Company reserves the right to monitor Member activities to ensure protection of confidential data.
Security Measures: Members must adopt appropriate security measures to prevent unauthorized access or disclosure.
Return of Data: Upon termination or suspension, the Member must return or delete all confidential data belonging to the Company.
Reporting Requirement: Members must immediately report any accidental or unauthorized disclosure of confidential information.
Termination Grounds: Misuse, misconduct, or unauthorized disclosure of confidential data will result in immediate account termination.
Legal Action: The Company reserves the right to take legal action and claim damages for any loss resulting from misuse or breach.
Employee / Associate Misconduct: If a Member’s employee or associate violates confidentiality, the Member will be held fully liable.
Communication Misuse: Using Company communication channels for spreading false information, personal gain, or defamation will invite strict action.
Conflict of Interest: Members must not engage in any competing business or partnership that conflicts with Company interests.
Fraudulent Practices: Any fraud, data theft, or intentional manipulation of Company systems will lead to permanent termination.
Investigation Support: Members must cooperate in any Company or legal investigation related to misuse or misconduct.
No Compensation: In case of termination for misconduct, the Member shall not be entitled to any refund, commission, or compensation.
Evidence Preservation: The Company may preserve digital evidence, audit logs, and communications for use in disciplinary or legal proceedings.
Restoration Rights: Once terminated for misuse or misconduct, reinstatement of ID or account will be solely at the discretion of the Company.
Third-Party Confidentiality: Members must ensure that their sub-agents, staff, or partners also maintain confidentiality obligations.
Disclosure to Authorities: In case of criminal misconduct, the Company may disclose relevant information to law enforcement authorities.
Data Retention Post-Termination: The Company may retain Member-related data for audit, legal, or compliance purposes even after termination.
Termination Without Notice: In cases of gross misconduct, fraud, or confidentiality breach, termination may occur without any prior notice.
Acknowledgment: Continued use of the platform implies Member’s consent to abide by all confidentiality and conduct-related obligations.
Compliance Warranty: Each Member hereby warrants that they shall fully comply with all applicable laws, regulations, RBI and government directives governing digital payment and financial services.
Truthful Information: The Member guarantees that all information, documents, and KYC submitted to the Company are true, accurate, and up to date.
No Misrepresentation: Members shall not provide false, misleading, or incomplete information to the Company or to customers.
Authorization Covenant: The Member confirms that they are legally authorized to operate, represent, and engage in transactions under the Company’s network.
Ethical Conduct: Members agree to conduct all business operations ethically, transparently, and in good faith.
Non-Infringement: The Member guarantees that their activities shall not infringe upon any third-party rights, intellectual property, or data protection laws.
Financial Responsibility: Members agree to maintain adequate balance, settle dues promptly, and ensure accuracy in all transaction reports.
Data Confidentiality: Members warrant to maintain confidentiality of customer data, financial records, and internal communications.
Anti-Fraud Commitment: Members shall not indulge in any fraudulent or unauthorized activity, and shall immediately report any suspected fraud to the Company.
Business Continuity: Members agree to maintain consistent service delivery and operational continuity without negligence or disruption.
Training and Supervision: Distributors, Master Distributors, and State Heads shall ensure that all subordinate members are properly trained and compliant.
No Conflict of Interest: Members warrant that they will not engage in or support any competing business that may harm the Company’s interests.
Fair Dealing: Members must ensure fairness in all customer interactions, service charges, and refunds.
Timely Communication: Members shall promptly inform the Company of any operational issue, complaint, or system failure.
Adherence to Policies: Members agree to comply with all current and future Company policies, circulars, and operational guidelines.
Quality Assurance: Members commit to maintain service quality standards as prescribed by the Company.
Audit Cooperation: Members shall fully cooperate with Company audits, investigations, and data verifications.
Security Practices: Members agree to use secure devices, maintain password confidentiality, and follow cybersecurity protocols.
No Assignment Without Consent: Members shall not transfer or assign their business rights, ID, or credentials without written approval from the Company.
Indemnity Covenant: Members agree to indemnify and hold the Company harmless from any loss, claim, or damage resulting from their breach of warranties or misconduct.
Customer Protection: Members guarantee that no customer shall be misled, overcharged, or denied legitimate service.
Regular Updates: Members shall ensure that their business records, KYC, and contact information remain updated at all times.
Compliance with Hierarchy: Retailers shall follow Distributor directions, Distributors shall follow Master Distributor directions, and all shall comply with the State Head and Company policies.
Prompt Dispute Resolution: Members shall resolve disputes amicably and follow Company’s escalation process before any legal recourse.
No Unethical Promotion: Members shall not misuse Company name or logo for unauthorized advertisements or personal promotion.
Regulatory Acknowledgment: Members acknowledge that Company policies are designed to comply with Indian financial and IT regulations.
Cooperation During Termination: Upon termination, the Member shall settle all dues, return devices, and cease using Company assets immediately.
Prohibited Practices: Members shall refrain from fake account creation, commission manipulation, or system exploitation.
System Usage Warranty: Members guarantee that they shall use only Company-approved systems, APIs, and software tools.
Acknowledgment of Liability: Members acknowledge that violation of any warranty or covenant shall attract penalties, suspension, or termination.
No Express or Implied Warranty: The Company expressly disclaims all kinds of warranties—whether express, implied, statutory, or otherwise—regarding the Platform, its services, software, or any content, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, and non-infringement.
Services on “As-Is” and “As-Available” Basis: All services, data, and materials provided through the Platform are made available strictly on an “as-is” and “as-available” basis, without any representation or warranty of uninterrupted or error-free operation.
No Guarantee of Accuracy: The Company makes no warranty that any data, information, or content provided on the Platform is accurate, complete, reliable, or up to date.
No Warranty of Availability: The Company does not guarantee that the Platform or its services will always be available, secure, or free from technical disruptions, hacking, or unauthorized access.
Third-Party Services Disclaimer: Any third-party products, payment gateways, APIs, or tools integrated into the Platform are the responsibility of their respective providers. The Company disclaims any warranty or liability for such external services.
User Responsibility: It is the Member’s sole responsibility to ensure that their devices, internet connection, and data systems are compatible with the Platform and comply with all security standards.
No Guarantee of Earnings or Results: The Company does not guarantee any particular income, profit, or business outcome to Members. Any earnings depend solely on individual performance, compliance, and business effort.
No Warranty for Data Transmission: The Company disclaims responsibility for delays, errors, or losses resulting from data transmission over public networks or third-party communication systems.
Security Disclaimer: While the Company uses industry-standard measures to protect data, it does not warrant that its systems are completely immune from cyber-attacks, viruses, or unauthorized access.
No Legal or Financial Advice: Information or content shared through the Platform shall not be construed as legal, accounting, or financial advice. Members are advised to consult professionals before relying on such information.
No Liability for Interruptions: The Company shall not be held liable for any service interruption, downtime, system error, or loss of data arising from maintenance, updates, or technical failure.
Member Acceptance: By using the Platform, Members acknowledge and agree that they are doing so at their own risk and discretion.
No Warranties Beyond Written Agreement: Any oral or written information or advice given by the Company or its representatives shall not create any warranty unless expressly stated in a written contract.
Performance Variability: The Company does not warrant that performance results will be identical for all Members, as outcomes may vary based on individual usage, region, and business structure.
Limitation on Digital Services: The Company makes no warranties regarding the continuous compatibility of its digital systems with any specific device, browser, or operating system version.
Force Majeure Disclaimer: The Company disclaims responsibility for failure or delay in service due to events beyond its reasonable control, including but not limited to natural disasters, strikes, or internet outages.
Disclaimer for Member Actions: The Company shall not be liable for any misuse, negligence, or fraudulent act committed by any Retailer, Distributor, Master Distributor, or State Head.
Independent Verification: Members are encouraged to independently verify any transaction details, commission structures, or offers before relying on them.
No Warranty for Updates: The Company is not obligated to provide continuous updates, feature additions, or improvements. All modifications are at the Company’s discretion.
Acknowledgment Clause: By continuing to access or use the Platform, the Member expressly agrees to this Disclaimer of Warranties and waives any claims arising from assumed or implied guarantees.
Authorized Platform Use:
All financial transactions shall be conducted only through the Company’s authorized Platform, mobile application, or designated payment channels approved by the Company.
Compliance with Applicable Laws:
Every transaction executed through the Platform must comply with applicable RBI, IT Act, KYC, AML (Anti-Money Laundering), and other regulatory guidelines.
Registered Member Requirement:
Only verified and registered Members (Retailer, Distributor, Master Distributor, or State Head) are authorized to initiate, receive, or manage transactions.
Transaction Confirmation:
Each transaction is considered complete only upon successful confirmation by the Platform’s system or official acknowledgment generated by the Company’s server.
Irrevocability:
Once a transaction has been processed and confirmed, it shall be treated as final and irrevocable. The Company shall not be responsible for any mistaken, unauthorized, or duplicate transactions initiated by the Member.
Transaction Timing:
The processing time for transactions may vary based on service type, network conditions, bank response, or regulatory requirements. The Company does not guarantee instant settlement in all cases.
Transaction Limits:
The Company may prescribe daily, weekly, or monthly transaction limits depending on Member type, KYC status, and risk assessment.
Suspicious Transactions:
Any transaction flagged as suspicious or non-compliant may be withheld, frozen, or canceled pending verification by the Company or relevant authorities.
Chargebacks and Disputes:
In case of payment disputes, Members must raise a formal claim through the Company’s grievance redressal mechanism within the stipulated period.
Refund Policy Reference:
Refunds, if applicable, shall be governed strictly under the Company’s Refund Policy clause. No refund shall be processed for user error or negligence.
Transaction Monitoring:
All transactions are subject to real-time monitoring by the Company for compliance, fraud detection, and audit purposes.
Unauthorized Transactions:
The Company shall not be liable for transactions conducted using stolen credentials, compromised devices, or by unauthorized persons. Members must secure their login details.
Technical Interruptions:
The Company shall not be responsible for any transaction failure caused by internet outage, server downtime, or third-party service interruption.
Record Maintenance:
Members are required to maintain transaction records and receipts for at least one year for audit and reconciliation purposes.
Charge and Fees Transparency:
All applicable service charges, transaction fees, or commissions shall be disclosed prior to payment confirmation.
Settlement Timeline:
The Company may process settlements on a T+1 or T+2 basis, depending on service category, regulatory rules, and partner bank timelines.
Suspension for Violation:
If any Member is found conducting fraudulent, speculative, or non-compliant transactions, the Company reserves the right to suspend or terminate the Member’s account immediately.
Currency and Mode:
All transactions must be executed strictly in Indian Rupees (INR) through authorized banking or digital channels.
Force Majeure Clause:
The Company shall not be held liable for transaction delays or failures due to natural calamities, system failures, strikes, or regulatory restrictions.
Acknowledgment:
By initiating any transaction through the Platform, the Member acknowledges and agrees to abide by all terms of this Transaction Policy and related company policies.
Application and Verification:
Every individual or entity applying for appointment as a Retailer, Distributor, Master Distributor, or State Head must submit a duly completed registration form along with required KYC documents, business details, and identity proofs for verification.
Eligibility Criteria:
Appointment shall be made strictly on the basis of the Company’s eligibility standards, which may include age, business background, financial stability, and reputation checks.
Acceptance by the Company:
The Company reserves the sole and exclusive right to accept or reject any application without assigning any reason. Appointment shall become effective only after the Company issues a formal approval and login credentials.
Role-based Authorization:
Each Member shall operate strictly within the scope of authority and responsibilities defined for their respective role — Retailer, Distributor, Master Distributor, or State Head — as mentioned in the “Role & Responsibilities” clauses.
Non-transferable Appointment:
The appointment, ID, or business rights granted by the Company are strictly non-transferable and cannot be sold, assigned, leased, or shared with any other person or entity.
No Employment Relationship:
The acceptance of appointment does not constitute an employment relationship. All Members act as independent business associates and not as employees, agents, or representatives of the Company.
Compliance Requirement:
The appointed Member must comply with all Company policies, RBI and Government regulations, data protection laws, and AML/KYC norms throughout their tenure.
Appointment Duration:
The appointment shall remain valid until terminated or suspended as per the Company’s terms of use, performance review, or compliance requirements.
Termination Clause:
The Company reserves the right to revoke or suspend the appointment at any time if the Member violates any policy, provides false information, or engages in unethical or illegal activities.
No Automatic Renewal:
Appointment renewal, where applicable, shall depend upon satisfactory performance, compliance record, and payment of applicable renewal fees (if any).
Training & Certification:
The Company may require Members to undergo mandatory training or orientation programs as part of their appointment and operational readiness.
Confidentiality Obligation:
Upon acceptance, every Member shall agree to maintain confidentiality of all business data, login details, commission structures, and proprietary information of the Company.
Identity Usage:
Members shall use the Company’s name, brand, or logo strictly as permitted and only for authorized business activities.
Performance Review:
The Company may conduct periodic reviews of each Member’s activities, transactions, and customer feedback to assess continued eligibility for appointment.
Code of Conduct:
Each Member shall adhere to the Company’s ethical business standards, avoiding any form of misrepresentation, fraud, or misconduct.
Acceptance Acknowledgment:
By completing the registration and activation process, the Member acknowledges that they have read, understood, and accepted all terms and responsibilities applicable to their designated role.
Liability for Misuse:
Any misuse of credentials, authority, or resources by the appointed Member shall attract disciplinary and legal action, including termination without notice.
No Guarantee of Earnings:
Appointment does not guarantee any fixed income, commission, or performance-based return. Earnings depend entirely on actual transactions and network performance.
Amendments in Terms:
The Company may modify the terms of appointment, operational guidelines, or fee structures from time to time. Such updates shall be deemed accepted by the Member upon continued use of the Platform.
Final Authority:
The Company’s decision regarding acceptance, continuation, or termination of appointment shall be final, binding, and non-contestable.
Fee Nature:
All registration or onboarding fees paid by the Member (Retailer / Distributor / Master Distributor / State Head) to the Company are strictly non-refundable under any circumstances.
Purpose of Fee:
The registration fee is charged solely to cover administrative, verification, training, and system activation costs incurred by the Company during the onboarding process.
No Refund Policy:
Once the registration process is completed and the Member ID is activated, no request for refund, chargeback, or cancellation of registration fee shall be entertained.
Payment Confirmation:
The Member must ensure accurate payment details while making registration or renewal payments. The Company shall not be responsible for any incorrect, duplicate, or failed transactions.
Voluntary Exit:
If any Member voluntarily terminates or discontinues services, no part of the registration or renewal fee shall be refunded.
Termination by Company:
In case of suspension or termination of the Member’s account by the Company due to violation of terms, misconduct, or non-compliance, the registration fee shall remain forfeited.
Non-transferable Fee:
The registration fee once paid cannot be transferred or adjusted towards any other Member ID, plan, or service.
Proof of Payment:
The Member is advised to keep a valid proof of payment (receipt, UTR, transaction ID) for record and audit purposes.
Renewal Fees:
Any renewal charges applicable to continue services shall also be treated as non-refundable, even if the Member fails to use or activate services after renewal.
Fee Revisions:
The Company reserves the right to modify, increase, or revise registration or renewal fees from time to time without prior notice.
System Activation Condition:
Member ID activation or continuation is subject to successful payment realization and verification by the Company’s finance system.
Non-performance Irrelevant:
Refund claims cannot be made citing low earnings, business loss, or dissatisfaction with services.
Duplicate Payment Handling:
In case of genuine duplicate transactions verified by the Company, an adjustment may be offered against future renewals, subject to written approval.
GST & Taxes:
All applicable taxes (including GST) on registration or renewal fees shall be borne by the Member.
Jurisdiction for Disputes:
Any dispute related to registration fees shall be subject to the jurisdiction of Jhunjhunu, Rajasthan, and governed by applicable Indian laws.
Acknowledgment of Policy:
By completing registration and payment, the Member acknowledges and agrees that the registration fee is non-refundable and fully governed by this clause.
Chargeback Protection:
The Company reserves the right to take legal or financial action against Members attempting to initiate false chargeback or refund requests through payment gateways or banks.
Service Activation Delay:
Any delay in activation due to technical or third-party reasons shall not entitle the Member to any refund claim.
Non-Usage of Account:
In case the Member fails to use the services after registration, the fee shall still remain non-refundable.
Final Binding Clause:
This non-refundable policy shall be final, binding, and an integral part of the Member’s onboarding agreement.
Definition:
Working Capital Requirement refers to the minimum operational funds that a Member (Retailer / Distributor / Master Distributor / State Head) must maintain to effectively conduct transactions on the Platform.
Minimum Requirement:
Members are required to maintain a minimum working capital balance as prescribed by the Company for their respective membership level or package.
Verification:
The Company reserves the right to verify the adequacy of working capital at any time and request proof of funds from the Member.
Insufficient Working Capital:
If the Member fails to maintain the required working capital, the Company may restrict or suspend the Member’s access to Platform services until compliance is met.
Advance Fund Integration:
Working capital may include amounts funded via the Company’s Advance Limit service, subject to repayment obligations and applicable limits.
Replenishment:
Members are responsible for timely replenishment of working capital to ensure uninterrupted service usage.
Non-Compliance Penalty:
Any shortfall or delay in maintaining working capital may attract penalties, charges, or suspension of services as determined by the Company.
Reporting:
Members must provide accurate details of working capital balance when requested for auditing or compliance purposes.
Use of Funds:
Working capital must be used exclusively for authorized transactions on the Platform and not for personal or unauthorized purposes.
Acknowledgment:
By registering on the Platform, Members acknowledge and accept that maintaining sufficient working capital is mandatory and a prerequisite for continued access to services.
Definition:
Working Capital Limit or Credit Limit refers to the maximum amount of funds a Member (Retailer / Distributor / Master Distributor / State Head) is authorized to utilize for transactions on the Platform at any given time.
Limit Assignment:
The Company assigns specific working capital/credit limits to each Member based on membership type, package, transaction history, and compliance status.
Utilization:
Members may utilize the assigned limit for authorized transactions, including Recharge, AEPS, DMT, BBPS, UPI, M-ATM, PAN services, and Payouts.
Advance Limit Integration:
Any funds availed through the Company’s Advance Limit service are counted within the assigned working capital/credit limit.
Monitoring:
The Company continuously monitors each Member’s usage against the assigned limit to prevent over-utilization and mitigate financial risk.
Exceeding Limit:
Transactions exceeding the assigned limit may be declined automatically, and the Member may be notified of the breach.
Limit Adjustment:
The Company may increase or decrease a Member’s limit based on usage patterns, compliance, repayment history, or internal risk assessment.
Notification of Change:
Members will be notified of any changes to their credit/working capital limit via platform notifications, email, or WhatsApp.
Penalty for Misuse:
Unauthorized use or exceeding the limit without approval may attract penalties, suspension, or legal action.
Acknowledgment:
By using the Platform, Members acknowledge and accept that:
Assigned working capital/credit limits are binding.
Over-utilization or misuse may lead to suspension or financial recovery actions.
The Company retains the right to modify limits at its discretion.
Definition:
Commission refers to the earnings a Member (Retailer / Distributor / Master Distributor / State Head) receives for facilitating transactions on the Platform.
Eligibility:
Only active and registered Members complying with all Platform policies are eligible to earn commission.
Calculation Basis:
Commission is calculated as per the Company’s predefined rates, which may vary depending on service type, transaction value, membership level, and active package.
Service-wise Commission:
Different services like Recharge, AEPS, DMT, BBPS, UPI, M-ATM, PAN services, and Payout may have separate commission rates.
Tiered Structure:
Master Distributors, Distributors, and Retailers may earn tiered commissions depending on their network performance and downstream transactions.
Payment Schedule:
Commission will be credited to the Member’s wallet or bank account periodically, as defined by the Company (e.g., daily, weekly, or monthly).
Non-Refundable:
Once earned and credited, commission is non-refundable, except in case of chargebacks, failed transactions, or policy violation.
Adjustments:
The Company reserves the right to adjust commission in case of returned transactions, refunds, or detected fraudulent activities.
Transparency:
All commission details, including calculation and deductions, will be available to Members via the Platform for review.
Dispute Resolution:
Any commission-related disputes must be reported to the Company within 7 days of credit; disputes after that may not be entertained.
Compliance Requirement:
Members must comply with RBI, NPCI, GST, and other applicable guidelines to retain eligibility for commission.
Non-Transferable:
Commission earned is personal to the Member and cannot be transferred to another individual or entity.
Termination Impact:
Upon suspension or termination of account due to policy violation, pending commissions may be forfeited at Company discretion.
Record Keeping:
Members are responsible for maintaining records of transactions and earned commissions for audit purposes.
Disclosure:
Commission rates, structure, and applicable policies may change from time to time, with prior notice from the Company.
Fraud Prevention:
Commission will not be paid for transactions identified as fraudulent, fake, or unauthorized.
Incentives & Bonuses:
Any additional incentives, bonuses, or promotional earnings are separate from regular commission and are subject to Company discretion.
Tax Liability:
Members are responsible for reporting and paying taxes applicable on commission earnings as per law.
Acknowledgment:
By using the Platform, Members acknowledge that commission is earned only for legitimate transactions and subject to Company rules.
Modification Rights:
The Company reserves the right to modify, revoke, or withhold commission policies at any time for operational or regulatory reasons.
Definition:
Operating Costs refer to all expenses incurred by a Member (Retailer / Distributor / Master Distributor / State Head) to perform business activities on the Platform.
Eligibility:
All active Members using the Platform for transactions or services are responsible for their own operating costs.
Types of Expenses:
Typical expenses include but are not limited to:
Internet / connectivity charges
Mobile / computer / device maintenance
Electricity and utility costs
Staff salaries (if applicable)
Local taxes and regulatory fees
Payment gateway or transaction charges
Transaction-Related Costs:
Any charges incurred while completing transactions (e.g., AEPS, DMT, BBPS) are the responsibility of the Member, unless specifically borne by the Company.
Subscription & Advance Limit Costs:
Activation fees, package fees, or advance fund costs are considered part of operating expenses.
Upgrades / Downgrades:
Any additional costs arising from upgrading or downgrading subscriptions/packages must be borne by the Member.
Promotional Expenses:
Costs related to marketing, promotions, or customer awareness campaigns initiated by the Member are the Member’s responsibility, unless reimbursed by the Company.
Equipment & Tools:
Members must bear the cost of devices, software, or tools required to access Platform services, unless provided by the Company.
Maintenance & Security:
Costs for ensuring device security, anti-virus, and data protection are the responsibility of the Member.
Audit & Compliance Costs:
Any expense incurred to maintain records, reports, or audits to comply with Company policies is borne by the Member.
Penalties / Charges:
Costs arising from late payment, policy violations, or regulatory non-compliance are considered operating expenses of the Member.
Transparency:
Members must maintain a clear record of all operating costs for review by the Company if required.
Non-Reimbursement:
Operating costs are not reimbursed by the Company, unless specifically agreed in writing.
Variable Costs:
Costs may vary based on transaction volume, location, or service usage. Members are responsible for managing them.
Budgeting Responsibility:
Members should plan and budget for all operational expenses to ensure smooth business functioning.
Impact on Profitability:
Operating costs directly affect the Member’s net earnings or commission. Efficient cost management is advised.
Third-Party Charges:
Any fees payable to third-party services, payment gateways, or software integrations are the Member’s responsibility.
Regulatory Costs:
Costs related to compliance with RBI, NPCI, GST, or other government regulations are borne by the Member.
Acknowledgment:
By using the Platform, Members acknowledge that all operational expenses are their own responsibility and cannot be claimed from the Company.
Modification Rights:
The Company may update operational guidelines or charge structures, but Members remain responsible for all associated costs.
Definition:
Activity Charges refer to fees levied for active use of the Platform services, while Inactivity Charges refer to fees or penalties applied when a Member remains inactive for a defined period.
Applicable Members:
All Retailers, Distributors, Master Distributors, and State Heads are subject to Activity / Inactivity Charges.
Activity Requirement:
Members must maintain minimum transaction volume or usage levels as prescribed by the Company to remain active.
Mandatory Transactions:
Each Member is required to complete at least 30 successful transactions per month.
Inactivity Definition:
Inactivity is defined as failing to meet the monthly minimum transaction requirement or no platform activity for a period exceeding the limit specified by the Company.
Inactivity Consequence:
If the Member does not complete the required 30 transactions, the ID will be automatically blocked.
Renewal Fee:
To reactivate a blocked ID, the Member must pay a renewal charge, the amount of which is determined solely by the Company.
Activity Bonus / Incentives:
Active Members may receive incentives, rebates, or commission enhancements as determined by the Company.
Fee Notification:
All Activity / Inactivity Charges will be communicated to Members via email, SMS, WhatsApp, or platform notifications.
Deduction Method:
Charges may be automatically deducted from the Member’s wallet or account balance.
Non-Payment Consequence:
If charges remain unpaid, the Company reserves the right to suspend or terminate the Member’s ID.
Exemptions:
Certain Members may be exempted from Inactivity Charges at the discretion of the Company (e.g., approved leave, technical downtime).
Activity Monitoring:
The Company continuously monitors transaction and platform activity to determine charge applicability.
Impact on Commission:
Inactivity may impact commission, bonuses, or other financial benefits due to the Member.
Fee Structure Modification:
The Company reserves the right to modify Activity / Inactivity fee structures with prior notice.
Legal Compliance:
All charges are applied in accordance with applicable laws, regulations, and company policies.
Transparency:
Members will have access to records showing charges applied and corresponding activity levels.
Dispute Handling:
Any disputes regarding charges must be raised within the prescribed period; decisions by the Company are final.
Member Acknowledgment:
By using the Platform, Members acknowledge and accept that Activity / Inactivity Charges and mandatory transaction requirements are binding.
Communication Obligation:
Members must ensure their contact details are updated to receive all notifications regarding charges.
Continuous Obligations:
Members are encouraged to maintain consistent platform usage to avoid penalties and maximize benefits.
Automatic ID Block:
IDs failing the monthly transaction requirement are automatically blocked until renewal charge is paid.
Renewal Charge Flexibility:
The Company has the discretion to vary the renewal charge based on duration of inactivity and other factors.
Monitoring Success Rate:
Only successful transactions are counted towards the monthly 30-transaction requirement.
Compliance Enforcement:
Members agree that failure to meet these requirements may result in ID suspension or termination at the Company’s discretion.
Definition:
Exclusivity refers to the Member having exclusive rights to promote and sell the Company’s products/services within a defined territory.
Non-Compete Obligation:
Members shall not engage, directly or indirectly, in any business or activity that competes with the Company during the term of this Agreement.
Applicable Members:
All Retailers, Distributors, Master Distributors, and State Heads are bound by exclusivity and non-compete clauses.
Territorial Exclusivity:
Members are granted exclusive rights only within their approved region, territory, or customer segment.
Prohibited Competitors:
Members shall not represent, work for, or promote competing platforms, apps, or services.
Duration of Non-Compete:
The non-compete obligation remains effective during the term of engagement and for a period of 12 months post-termination unless otherwise specified by the Company.
Confidential Information Protection:
Members shall not share Company strategies, pricing, customer data, or trade secrets with competitors.
Recruitment Restriction:
Members shall not induce, hire, or engage employees or agents of the Company or its network for competing activities.
Marketing Restriction:
Members shall not market, advertise, or promote any competing service in any manner.
Conflict of Interest:
Members must avoid any activity that may conflict with the Company’s business interests.
Approval Requirement:
Any activity that may potentially compete with the Company must be pre-approved in writing.
Penalty for Breach:
Violation of exclusivity or non-compete clauses may result in immediate suspension or termination of ID.
Financial Liability:
Members may be liable to compensate the Company for any losses, damages, or profits lost due to non-compete breach.
Legal Enforcement:
The Company reserves the right to take legal action for enforcing exclusivity and non-compete provisions.
Notification of Other Engagements:
Members must disclose any other business interests that may conflict with Company operations.
No Circumvention:
Members shall not attempt to bypass or indirectly compete through third parties, relatives, or associates.
Use of Company Brand:
Members shall not use Company’s brand, logo, or trademarks for competing purposes.
Monitoring Compliance:
The Company may monitor Member activity to ensure compliance with exclusivity and non-compete clauses.
Territory Changes:
Any change in the Member’s approved territory requires written consent from the Company.
Termination Impact:
Non-compete obligations continue as specified even after termination of membership.
Acknowledgment:
Members acknowledge and agree that violating these clauses may cause irreparable harm to the Company.
Indemnity:
Members agree to indemnify the Company for any loss, claim, or damage arising from breach of non-compete/exclusivity.
Dispute Resolution:
Any dispute regarding exclusivity or non-compete will be resolved as per Company policies and applicable laws in Jhunjhunu, Rajasthan.
Independent Obligation:
Non-compete clauses are independent and enforceable even if other parts of the Agreement are invalidated.
Acknowledgment of Understanding:
By continuing to use the Platform, Members confirm they have read, understood, and accepted all terms of exclusivity and non-compete obligations.
1. Applicability:
2. Prohibition on Competitor Services:
3. Temporary Use in Case of Service Unavailability:
4. Member Obligations
5. Enforcement and Remedies:
6. Member Declaration and Consent
Definition:
Intellectual Property (IP) includes trademarks, copyrights, patents, trade secrets, software, and other proprietary information of the Company.
Ownership:
All IP rights related to the Company’s products, services, and platform remain the sole property of Fajlka Industries.
Member Restriction:
Members are prohibited from using Company IP for any purpose other than authorized platform activities.
Brand Usage:
Company logos, trademarks, or brand materials may be used only with explicit written consent.
Prohibition of Copying:
Members shall not copy, reproduce, modify, or distribute any Company content without authorization.
Software Protection:
All Company software, apps, and platforms are protected under copyright and cannot be reverse-engineered.
Trade Secrets:
Members must keep Company trade secrets confidential and not disclose them to third parties.
Third-Party IP Compliance:
Members must respect IP rights of third parties and ensure no infringement occurs while using Company services.
Reporting Infringement:
Members shall immediately report any IP infringement or unauthorized use to the Company.
Non-Transferable Rights:
No Member can transfer, sell, or sublicense Company IP to others.
Digital Content Protection:
Members must ensure that digital content, including images, videos, and text, is used only as authorized.
Confidentiality Agreement:
Members may be required to sign NDAs to protect sensitive IP information.
Prohibited Modifications:
Members shall not modify, alter, or tamper with Company IP in any manner.
Marketing Material Usage:
Authorized marketing materials must be used as provided, without changes.
Domain Names & URLs:
Members shall not register domain names, social media handles, or URLs that infringe Company trademarks.
Unauthorized Commercial Use:
Members shall not use Company IP for commercial purposes outside the approved platform activities.
Legal Enforcement:
Company reserves the right to take legal action against any IP violation by Members.
Indemnification:
Members agree to indemnify the Company for any damages arising from IP misuse or infringement.
Termination Consequences:
Upon termination of membership, all rights to use Company IP immediately cease.
Monitoring Compliance:
Company may monitor Member activities to ensure IP protection.
Training and Awareness:
Members will receive guidance on proper IP usage and compliance.
Software Licenses:
Any licensed software provided to Members must be used strictly as per license terms.
Intellectual Property Updates:
Company may update IP terms or policies, and Members must comply immediately.
Unauthorized Distribution:
Members shall not distribute Company IP to third parties in any form.
Acknowledgment:
Members acknowledge understanding that IP rights are critical, and any violation may lead to legal action, suspension, or termination.
Definition:
Confidential information includes all non-public business, technical, financial, and user-related information shared by the Company.
Obligation of Members:
Members must keep all Company information confidential and use it only for authorized purposes.
Access Control:
Members shall ensure that their login credentials, passwords, and IDs are secure and not shared.
Data Protection:
Members must protect all customer and Company data from unauthorized access, disclosure, or misuse.
Non-Disclosure:
Members shall not disclose any confidential information to third parties without explicit written permission.
Physical Security:
Members must ensure secure storage of any physical documents containing confidential information.
Digital Security:
All digital data must be stored securely with strong passwords, encryption, or other security measures.
Email & Communication:
Members must ensure that confidential information sent via email, chat, or messaging platforms is secure.
Third-Party Interaction:
Members shall not share Company confidential data with third-party vendors, partners, or outsiders without approval.
Data Breach Reporting:
Any suspected or actual data breach must be reported to the Company immediately.
Unauthorized Access:
Members must prevent unauthorized users from accessing Company platforms or systems.
Device Security:
Mobile phones, computers, or devices used for Company operations must have updated antivirus and security software.
Data Sharing Restrictions:
Members must comply with all applicable laws and Company policies when sharing data with regulatory authorities.
Backup & Storage:
Members should follow Company guidelines for secure backup and storage of important data.
Confidentiality During Training:
All training material or internal communications are confidential and must not be shared externally.
Termination Clause:
Upon termination of membership, Members must return or delete all confidential data in their possession.
Audit and Compliance:
Company may audit Member systems and processes to ensure data security and confidentiality.
Encryption & Security Measures:
Sensitive data must be encrypted, and secure channels should be used for online transmission.
Legal Obligations:
Members must comply with all applicable privacy, IT, and regulatory laws regarding data protection.
Breach Consequences:
Violation of confidentiality may result in suspension, termination, and legal action.
User Awareness:
Members should train their staff on confidentiality and data security best practices.
Non-Transferable Access:
Members shall not allow any third party to use their login credentials or platform access.
Data Integrity:
Members must ensure that all records, reports, and transactions are accurate and unaltered.
Monitoring & Logging:
Company reserves the right to monitor platform activity to detect and prevent data misuse.
Acknowledgment:
Members acknowledge that confidentiality and data security are critical, and breach of these policies may lead to suspension, termination, and legal liability.
Definition:
User Information includes personal, financial, and transactional data provided by members and customers.
Protection Obligation:
Members must ensure all user information is stored and handled securely.
Authorized Access Only:
Only authorized personnel of the member may access confidential user information.
Password Security:
Login credentials, passwords, and authentication methods must be kept strictly confidential.
Data Encryption:
All sensitive user data must be encrypted during storage and transmission.
Secure Communication Channels:
User information must only be shared through approved and secure channels.
Prohibition of Sharing:
Members shall not disclose user data to any third party without explicit consent from the Company.
Device Security:
Devices used to access user data must have updated security software and antivirus protection.
Regular Audits:
Members must conduct regular internal audits to ensure compliance with data protection policies.
Data Breach Reporting:
Any suspected or confirmed breach must be reported to the Company immediately.
Physical Security Measures:
Physical records containing user information must be securely stored and access controlled.
Data Integrity:
Members must ensure that user data is accurate, complete, and not altered without authorization.
Monitoring:
Members should monitor user activity to detect and prevent unauthorized access.
Backup & Recovery:
Secure backup processes must be maintained for user data to prevent loss.
User Consent:
Members must obtain necessary consent from users before collecting or processing their data.
Compliance with Laws:
All handling of user information must comply with applicable laws, including IT, RBI, and data privacy regulations.
Termination of Access:
Access to user data must be revoked immediately upon termination of membership or staff exit.
Training & Awareness:
Members must train employees about secure handling of user information.
Unauthorized Use Prohibition:
Members shall not use user information for personal gain or unauthorized purposes.
Third-Party Vendor Compliance:
Any approved third-party service handling user data must comply with the Company’s security policies.
Incident Management:
Members must follow the Company’s procedures for managing and mitigating data security incidents.
Data Minimization:
Only the necessary user information required for service purposes should be collected and stored.
Legal Recourse:
Any misuse of user information may result in suspension, termination, and legal action.
Policy Updates:
Members must comply with updated security policies and guidelines issued by the Company.
Acknowledgment:
Members acknowledge that protecting confidential user information is critical, and any violation may lead to suspension, financial penalties, or legal proceedings.
Definition:
Fraudulent Activities include any intentional deception, misuse, or manipulation of the platform, services, or user data for personal gain.
Prohibition:
Members must not engage in any fraudulent activities under any circumstances.
Unauthorized Transactions:
Conducting transactions without authorization or misrepresenting transaction details is strictly prohibited.
Data Manipulation:
Altering, falsifying, or tampering with financial or user data is forbidden.
Misuse of Services:
Using the platform for illegal, unethical, or unauthorized purposes is not allowed.
Fake Accounts:
Creation of fake, duplicate, or fraudulent IDs or accounts is prohibited.
Impersonation:
Impersonating the Company, its officials, or other members is strictly forbidden.
Money Laundering:
Using the platform for money laundering or any illicit financial activity is prohibited.
Bribery & Corruption:
Offering or accepting bribes, kickbacks, or other corrupt practices is not allowed.
Collusion:
Colluding with others to commit fraud or manipulate transactions is prohibited.
Unauthorized Discounts / Charges:
Offering unapproved discounts or charging extra fees to customers is forbidden.
Reporting Obligation:
Members must immediately report any suspected fraud to the Company.
Monitoring:
Members must continuously monitor activities under their account to prevent fraud.
Use of Unauthorized Tools:
Using hacking tools, scripts, or third-party software to manipulate the platform is prohibited.
Security Compromise:
Attempting to breach the platform’s security or access others’ accounts is forbidden.
Document Forgery:
Falsifying KYC documents, ID proofs, or bank details is strictly prohibited.
Suspicious Transactions:
Any transaction appearing suspicious must be reported immediately.
Network Responsibility:
Distributors and Master Distributors are responsible for ensuring Retailers under them do not commit fraud.
Investigation Cooperation:
Members must cooperate fully with the Company during fraud investigations.
Penalties:
Detected fraudulent activity may result in fines, suspension, or termination of membership.
Legal Action:
The Company reserves the right to take legal action for any fraud, including recovery of losses.
Awareness & Training:
Members must participate in fraud prevention training programs provided by the Company.
No Circumvention:
Members must not attempt to bypass any system controls or security measures.
Regular Audits:
Members’ accounts may be audited regularly to detect any fraudulent activity.
Acknowledgment:
Members acknowledge that engaging in fraudulent activities is a serious violation and may lead to immediate suspension, termination, and legal proceedings.
Definition:
Failed or Refunded Transactions refer to transactions that do not complete successfully or are reversed/refunded for any reason.
Member Responsibility:
Members are responsible for monitoring all failed or refunded transactions under their account.
Immediate Reporting:
Any failed or refunded transaction must be reported to the Company immediately.
Cause Analysis:
Members must investigate and identify the reason for failure or refund, whether technical or operational.
System Error:
In case of technical failure, the member must cooperate with the Company for resolution.
Unauthorized Refunds:
Members are prohibited from initiating unauthorized refunds to customers.
Corrective Action:
Members must take corrective action to prevent recurring failures.
Record Keeping:
All failed or refunded transactions must be recorded and retained for at least 6 months.
Impact on Wallet:
Refunds or reversals will adjust the member’s wallet balance automatically.
Compliance:
Members must comply with all Company guidelines regarding failed or refunded transactions.
Dispute Resolution:
Any dispute arising from a failed/refunded transaction must follow the Company’s dispute resolution process.
Non-Refundable Charges:
Service fees related to failed transactions may not be refundable unless specified.
Suspicious Activity Check:
Multiple failed transactions in a short time may be flagged as suspicious and require reporting.
Technical Assistance:
Members must provide logs or evidence to support the investigation of failed/refunded transactions.
Customer Communication:
Members must inform customers promptly about transaction failures or refunds.
Error Reporting:
All technical errors leading to failed/refunded transactions must be escalated to the Company immediately.
Liability:
Members are liable for losses arising from their negligence in handling failed or refunded transactions.
Audit Compliance:
Failed/refunded transactions will be subject to periodic audits.
Recovery of Funds:
The Company may recover funds from the member’s wallet or other assets if necessary.
Policy Adherence:
Members must follow the platform’s transaction policies strictly to minimize failures.
Training Requirement:
Members must participate in training regarding transaction management and error handling.
Notification:
Members will receive alerts and notifications about failed/refunded transactions from the Company.
Fraud Prevention:
Members must ensure that failed or refunded transactions are not used for fraudulent purposes.
Impact on Membership:
Repeated mishandling of failed/refunded transactions may result in suspension or termination of the member’s account.
Acknowledgment:
Members acknowledge that handling failed/refunded transactions responsibly is critical, and failure to do so may result in penalties, suspension, or legal action.
Definition:
Cyber-related Issues refer to security breaches, hacking, malware attacks, phishing, or unauthorized access affecting the Platform.
Member Responsibility:
Members must ensure secure usage of login credentials, devices, and network while accessing the Platform.
Password Confidentiality:
Sharing login ID, password, or OTP with anyone is strictly prohibited.
Device Security:
Members are responsible for keeping their devices free from malware, viruses, and unauthorized software.
Reporting Breaches:
Any suspected cyber issue must be reported immediately to the Company.
Company Liability Limitation:
The Company is not liable for losses arising due to cyber-attacks beyond its reasonable control.
Account Suspension:
Accounts involved in suspected cyber misuse may be temporarily suspended pending investigation.
Unauthorized Access:
Members must not attempt to access others’ accounts or sensitive data.
Phishing & Fraud Protection:
Members must not participate in phishing, spoofing, or other fraudulent cyber activities.
Data Encryption Compliance:
Members must comply with Company instructions on encryption and secure data handling.
Two-Factor Authentication:
Members are encouraged to enable 2FA or any security mechanism provided by the Platform.
Updates & Patches:
Members must keep devices and software updated to prevent vulnerabilities.
Incident Cooperation:
Members must cooperate fully during investigation of any cyber incident.
No Liability for Third-Party Failures:
Company is not responsible for cyber issues arising from third-party services integrated into the Platform.
Suspicious Activity Monitoring:
Members’ accounts may be monitored for unusual activity to prevent cyber threats.
Recovery of Losses:
Any financial loss due to negligence of the member may be recovered from their account/wallet.
Unauthorized Downloads/Software:
Installation of unauthorized apps or scripts that compromise Platform security is prohibited.
Network Protection:
Members must use secure internet connections; public/unsecured networks are discouraged.
Liability Disclaimer:
The Company disclaims all liability for damages caused due to cyber threats, hacking, or unauthorized access.
Cybersecurity Training:
Members are required to undergo cybersecurity awareness sessions if provided by the Company.
Legal Compliance:
Members must comply with IT, cyber laws, and regulations applicable in India.
Immediate Action on Breach:
Any detected breach or compromise must be acted upon immediately to minimize losses.
Alert Mechanism:
The Company will send alerts and notifications for potential cyber threats.
Audit Rights:
Company reserves the right to audit accounts to detect cyber threats or misuse.
Acknowledgment:
Members acknowledge that cyber threats exist, and secure practices are their responsibility. Non-compliance may result in suspension, financial recovery, or legal action.
Objective:
Members shall actively promote 01Pe.in platform to increase awareness and adoption.
Authorized Promotion:
Promotion must be done using official branding, logos, and marketing materials provided by the Company.
Accuracy of Information:
All information shared must be accurate, truthful, and in line with Company guidelines.
No Misrepresentation:
Members must not make false claims, misleading statements, or promises regarding the platform.
Social Media Guidelines:
Promotion on social media must comply with Company-approved messaging and graphics.
Offline Promotion:
Members may promote through offline channels like banners, flyers, or events, following Company rules.
Avoid Unethical Practices:
No spamming, fake reviews, or black-hat marketing methods are allowed.
Brand Integrity:
Members must ensure that the Company’s reputation and brand image are not compromised.
Content Approval:
All promotional content must be pre-approved by the Company when required.
Regional Representation:
Members should promote in their assigned territory responsibly.
Collaboration with Network:
Members may coordinate with Retailers/Distributors under guidance to enhance promotions.
Compliance with Law:
Promotion must comply with all applicable advertising, cyber, and regulatory laws.
Use of Intellectual Property:
Unauthorized use of Company logos, images, or trademarks outside approved materials is prohibited.
Event Participation:
Members can organize promotional events but must seek prior approval from the Company.
Monitoring & Reporting:
Members may be asked to report promotional activities and outcomes to the Company.
Incentives & Rewards:
Any rewards or incentives provided for promotion will be as per Company policy.
Prohibited Channels:
Promotion on restricted or harmful platforms is strictly prohibited.
Accuracy in Offers:
Members must ensure that any offers or schemes mentioned are accurate and valid.
Customer Interaction:
Members should engage respectfully and professionally while promoting the platform.
Digital Marketing Compliance:
All digital campaigns should follow approved keywords, hashtags, and landing pages.
Feedback Collection:
Members may collect feedback from potential users to improve marketing efforts.
No Unauthorized Partnerships:
Members cannot enter partnerships or tie-ups claiming association with 01Pe.in without permission.
Audit & Oversight:
Company reserves the right to review all promotional content and campaigns.
Continuous Improvement:
Members are encouraged to adopt innovative, ethical marketing strategies approved by the Company.
Acknowledgment & Liability:
Members acknowledge that violations of promotion guidelines may lead to suspension, fines, or termination from the platform.
This Final Declaration forms an integral part of the Terms & Use governing the relationship between the Member (including Retailer, Distributor, Master Distributor, and State Head) and Fajlka Industries, the owner and operator of the 01Pe.in website and 01Pe Mobile Application (“Platform”).
By accessing, registering on, or using the Platform, every Member hereby expressly acknowledges, declares, and agrees to the following:
Acceptance of Terms and Policies
The Member affirms that they have carefully read, fully understood, and voluntarily accepted all Terms & Use, policies, operational guidelines, instructions, and any other rules as may be issued or amended by Fajlka Industries from time to time.
Binding Obligation and Compliance
The Member undertakes to faithfully adhere to all obligations, duties, and restrictions prescribed under their respective role and to ensure compliance with all applicable laws, regulations, and internal policies of the Company.
Company’s Right of Restriction and Termination
Fajlka Industries reserves the absolute right to suspend, restrict, or permanently terminate any Member’s account or access to the Platform in the event of non-compliance, violation of these Terms & Use, or breach of any applicable law, without prior notice and without any liability whatsoever.
Non-Refundable Nature of Fees
All fees, subscription charges, activation fees, service charges, and advance limit payments are non-refundable, except in such cases where a refund is expressly provided for under a written policy of the Company.
Accuracy and Responsibility of Information
The Member shall be solely and entirely responsible for the accuracy, completeness, and correctness of all information furnished to the Company and for all financial or non-financial transactions executed through their registered account on the Platform.
Account Confidentiality and Security
The Member shall maintain strict confidentiality and security of their login credentials and other account-related information and shall not disclose, share, or permit access to any unauthorized person. Any misuse or unauthorized activity conducted through such credentials shall be deemed to have been performed by the Member themselves.
Modification and Amendment Rights
Fajlka Industries shall have the sole and unrestricted right to alter, modify, revise, or amend these Terms & Use, policies, or guidelines at any time without prior notice. The continued use of the Platform shall be deemed as conclusive acceptance of all such revisions.
Cooperation in Investigations and Audits
The Member agrees to cooperate fully with the Company and its representatives during any audit, compliance review, investigation, or dispute resolution process initiated by or on behalf of Fajlka Industries.
Legal and Regulatory Accountability
Any legal, financial, or regulatory consequences arising out of or in connection with the actions, omissions, or conduct of the Member on the Platform shall be the exclusive liability of the Member, and the Company shall bear no responsibility whatsoever in this regard.
Ethical Conduct and Fair Practices
The Member shall perform all promotional, marketing, operational, and service delivery activities in a lawful, transparent, and ethical manner, strictly in accordance with the standards, codes, and policies established by Fajlka Industries.
Disclaimer and Waiver of Claims
The Member hereby irrevocably waives any right to claim damages, compensation, or relief of any nature whatsoever against Fajlka Industries arising from or relating to any downtime, system failure, technical interruption, regulatory enforcement, policy implementation, or events beyond the Company’s reasonable control (force majeure).
Continuing and Implied Acceptance
The continued access or use of the 01Pe.in website or 01Pe Mobile Application shall constitute an ongoing and binding acceptance by the Member of the latest Terms & Use and all amendments thereto.
By clicking the “I Accept” button, submitting any digital consent, or by availing any service of Fajlka Industries through the 01Pe.in website or the 01Pe App, the Member hereby provides explicit and informed consent to these Terms & Use and all associated policies.
Such consent shall constitute a legally valid and enforceable electronic contract under:
Section 10A of the Information Technology Act, 2000; and
The relevant provisions of the Indian Contract Act, 1872.
Fajlka Industries shall maintain complete and secure records of the Member’s acceptance — including date, time, IP address, device identification, and version details — as legal evidence of execution and consent, admissible before any competent authority or court of law.
Company Name: Fajlka Industries
Registered Office: Ward No. 20, Hashminagar, Ajadi Colony, Jhunjhunu, Rajasthan – 333001
Email: 01pecare@gmail.com | Fajlkahelp@gmail.com
Phone / WhatsApp: +91 96604 14204
WhatsApp Channel: 01Pe Helpdesk | A Fajlka Brand
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Last Updated: 15 October 2025
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