Terms and Conditions Effective Date: [DD/MM/YYYY] These Terms and Conditions ("Agreement") govern your use of the services provided by ___ ("we", "us", "our"). By accessing or using our website, mobile application, or services, you agree to be bound by this Agreement. If you do not agree, please do not use our services. --- 1. Eligibility You must be at least 18 years of age to use our services. By registering an account with us, you confirm that you are legally eligible to enter into this agreement. --- 2. Account Responsibility You are responsible for maintaining the confidentiality of your login credentials. All activities under your account are considered your responsibility. You agree to notify us immediately of any unauthorized use or security breach. --- 3. Services Offered ___ provides the following digital services: Mobile recharges DTH recharges Utility bill payments UPI and wallet-based payments Other financial services (as updated from time to time) We reserve the right to modify or discontinue any service at any time without prior notice. --- 4. Transactions & Payments All payments must be made through authorized channels. Once a transaction is successfully completed, it cannot be reversed or canceled. In the event of a failed transaction, a refund will be initiated to the original payment method within 7 working days. --- 5. Wallet Usage Wallet balance is non-refundable and non-transferable. Misuse, fraud, or manipulation of wallet funds can result in account suspension or legal action. We may apply wallet usage limits as per regulatory or internal policy. --- 6. Refund Policy Refunds are processed under the following conditions: Recharge or bill payment failed but the amount was debited. Refund requests must be submitted within 72 hours of the failed transaction. Refunds, once approved, may take 5–7 business days to reflect in your account. --- 7. User Conduct You agree not to: Use our services for illegal, fraudulent, or unauthorized purposes Attempt to breach or compromise platform security Copy, distribute, or misuse our content, logos, or brand --- 8. Privacy We value your privacy. Please refer to our [Privacy Policy] for detailed information on how we collect, use, and protect your data. --- 9. Intellectual Property All content on our platform including software, design, logos, and trademarks are the exclusive property of ___. Unauthorized use, reproduction, or distribution is strictly prohibited. --- 10. Limitation of Liability ___ is not liable for: Indirect, incidental, or consequential losses arising from service use Errors or delays caused by third-party APIs, service providers, or telecom operators User-generated mistakes such as wrong number entries or incorrect payment details --- 11. Termination We reserve the right to suspend or terminate your account without prior notice if: You violate our terms We detect any suspicious or illegal activity There is any misuse of platform features or wallet system --- 12. Modifications We may revise these Terms and Conditions at any time. Updated versions will be posted on our website. Continued use of our services constitutes acceptance of the revised terms. --- 13. Governing Law These Terms shall be governed and interpreted in accordance with the laws of [Your State/Country]. Any disputes shall be subject to the jurisdiction of courts in [Your City]. --- 14. Contact Us If you have any questions about these Terms, please contact: Customer Support ___ (Your Company Name) Email: [your-support-email] Phone: [your-helpline-number] Address: [your company address]