1. Introduction

Welcome to Bharatpaye! By accessing and using our services, you agree to abide by these Terms and Conditions (“Terms”). These Terms govern the use of our platform, including bill payments, mobile recharges, ticket bookings, and other financial services. Please read these Terms carefully before using our services. If you do not agree with any part of these Terms, please discontinue using Bharatpaye.

2. User Eligibility

2.1 Age Requirement: To register and use our services, you must be at least 18 years old.

2.2 Legal Residency: You must be a resident of India to use Bharatpaye, as our services are tailored for users within the Indian jurisdiction.

2.3 Know Your Customer (KYC) Compliance: Certain services require you to complete KYC verification to comply with government regulations. We may request documentation such as proof of identity and address to confirm your eligibility.

2.4 Account Suspension: Bharatpaye reserves the right to suspend or terminate your account if we suspect any non-compliance with these Terms or for any fraudulent or illegal activity.

3. Account Responsibilities

3.1 Account Creation: To access Bharatpaye’s services, you must create an account by providing accurate information, including a valid mobile number and email address.

3.2 Accuracy of Information: You agree to keep your information current, complete, and accurate. Bharatpaye is not liable for issues arising from inaccurate or outdated account information.

3.3 Account Security: You are solely responsible for safeguarding your account credentials, including your username, password, and any other security information. Any unauthorized access due to your negligence is your responsibility.

3.4 Account Activity: All activities under your account are considered your actions, and you accept full liability for any consequences resulting from these activities.

4. Services Provided

4.1 Overview of Services: Bharatpaye offers various services, including bill payments, mobile recharges, bus and train ticket bookings, insurance services, and loan assistance. Availability may vary based on regulatory guidelines and service provider policies.

4.2 Limitations and Availability: Bharatpaye does not guarantee the availability of services at all times. Service interruptions may occur due to technical issues, maintenance, or regulatory restrictions.

4.3 Third-Party Service Providers: Some services are provided in partnership with third-party service providers. Bharatpaye is not liable for issues arising directly from third-party services, and users must adhere to the terms provided by each service provider.

4.4 Promotions and Offers: Any promotional offers or discounts are subject to terms and conditions specific to that promotion and are available for a limited period.

5. Payment Terms

5.1 Accepted Payment Methods: Bharatpaye accepts various payment methods, including debit/credit cards, UPI, net banking, and digital wallets. Please ensure the payment details provided are accurate.

5.2 Transaction Limits: Certain transactions may have daily or monthly limits in accordance with RBI and government regulations. Bharatpaye reserves the right to impose additional transaction limits based on user verification and account activity.

5.3 Service Charges: Bharatpaye may charge service fees for specific transactions. These fees will be clearly displayed before the payment process.

5.4 Rewards and Cashback: Any rewards, points, or cashback earned through transactions are subject to the terms and conditions specified in the reward program. Bharatpaye reserves the right to modify or discontinue the program without prior notice.

6. Refund and Cancellation Policy

6.1 Refund Eligibility: Refunds are available for certain transactions, subject to the policies of third-party service providers. If a transaction fails and your account is debited, Bharatpaye will make efforts to refund the amount within a reasonable time.

6.2 Cancellation Policy: Once a payment is processed, it cannot be canceled unless the service provider offers a cancellation window. Please refer to the specific service’s terms for cancellation eligibility.

6.3 Refund Processing Time: Refund processing times may vary depending on the payment method and banking partner. Generally, refunds will reflect within 7-10 business days.