Terms & Conditions.

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the PayBrill website, platform, mobile applications and services (collectively, the "Services") provided by PayBrill Technologies Pvt. Ltd. ("PayBrill", "we", "us" or "our").

By registering on or using the Services, you agree to be bound by these Terms, our Privacy Policy and our Refund Policy. If you do not agree with any part of these Terms, you must not register for or use the Services.

2. Definitions

• "Platform" means the PayBrill white-label software, dashboard, applications and APIs;
• "User" means any business or individual registered on the Platform, including admins, master distributors, distributors, retailers and merchants;
• "Wallet" means the prepaid balance maintained in your account on the Platform for availing the Services;
• "Transaction" means any recharge, bill payment, money transfer, AEPS/Aadhaar Pay operation, QR payment or other service executed through the Platform;
• "Partner" means a User operating the Platform under a white-label arrangement.

3. Eligibility & Registration

• You must be at least 18 years of age and capable of entering into a legally binding contract;
• You must provide accurate, current and complete information during registration and keep it updated;
• You are responsible for maintaining the confidentiality of your login credentials, OTPs and API keys. All activities under your account are deemed to be performed by you;
• You may be required to provide business registration documents, as applicable.

4. KYC & Verification

Use of certain Services is conditional upon completion of KYC verification as required by applicable law, regulation and our banking partners. You agree to provide such documents and information as may be requested, and acknowledge that we may suspend or limit Services if KYC is incomplete, documents expire, or information becomes unverifiable.

5. The Platform & Services

The Platform enables Users to offer and perform digital payment services, which may include:

• Mobile and DTH recharges;
• Bill payments through BBPS (electricity, water, gas, broadband, FASTag, LPG and more);
• Domestic money transfer via IMPS, NEFT and RTGS;
• AEPS (cash withdrawal, balance enquiry, mini statement) and Aadhaar Pay;
• QR payments (static and dynamic), wallet services and merchant services;
• PAN card services (new applications and corrections);
• Developer APIs and white-label deployment.

The availability of specific services may vary and may be added, modified or withdrawn based on operational, regulatory or partner-bank considerations, with reasonable notice where practicable.

6. Wallet, Top-ups & Settlements

• The Wallet is a prepaid facility for availing the Services. It is not a bank account and does not earn interest;
• Wallet balances may be used only for Transactions on the Platform unless otherwise agreed;
• Top-ups must originate from bank accounts or instruments in your registered name;
• Settlements, payouts and refunds are processed as per the timelines in our Refund Policy and applicable banking norms;
• We may adjust the Wallet for erroneous credits, reversed transactions, chargebacks or disputed amounts.

7. Transactions & Processing

• You are solely responsible for the accuracy of all details entered in a Transaction (mobile number, consumer number, beneficiary account, amount, etc.);
• Transactions are processed through partner banks and operators; completion depends on their systems and applicable cut-off times;
• A Transaction that is debited but fails is reversed in accordance with the Refund Policy;
• Successful Transactions generally cannot be reversed, especially where the operator or biller has already delivered the service;
• You will receive transaction confirmations and receipts through the Platform, and should verify them promptly.

8. Fees, Commissions & Pricing

• Commissions, slabs and fees are as per the plan or agreement applicable to your account and may be updated from time to time;
• Applicable taxes (including GST) are levied as per law;
• You are responsible for any charges imposed by your bank or payment channel for top-ups;
• We may deduct amounts owed to us (fees, adjustments, penalties) from your Wallet or settlements.

9. Your Responsibilities

• Use the Services only for lawful purposes and within the scope of your registered role;
• Maintain the accuracy of customer and beneficiary details for every Transaction;
• Provide receipts/confirmations to end customers and address their queries in the first instance;
• Cooperate in dispute resolution and provide documents/evidence as requested;
• Notify us immediately of suspected unauthorized access or fraudulent activity.

10. Prohibited Activities

You must not, and must not permit others to:

• Use the Services for money laundering, terrorism financing, gambling, phishing, fraud or any unlawful activity;
• Process transactions on behalf of undisclosed third parties for a fee (money mule activity);
• Share credentials, enable unauthorized access, or attempt to bypass security, rate limits or commission structures;
• Manipulate, reverse-engineer, scrape or disrupt the Platform, or interfere with other Users;
• Make misrepresentations to end customers about the nature of the Services;
• Use the Platform in violation of applicable law, RBI guidelines or partner-bank rules.

11. Intellectual Property

All right, title and interest in the Platform, including software, design, trademarks, logos and content, are and remain the exclusive property of PayBrill (or its licensors). Under white-label arrangements, Users receive a limited, revocable, non-exclusive right to use the Platform under their own brand in accordance with their agreement with us. Nothing in these Terms transfers ownership to you. You grant us a licence to host and display your branding materials solely to provide the white-label Services.

12. Disclaimers

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including fitness for a particular purpose or uninterrupted availability. We do not warrant that operations of operators, billers or banks will be error-free, timely or secure. Content on the website is for general information and does not constitute financial, legal or tax advice. We are not responsible for the acts or omissions of telecom operators, billers, banks or other third-party service providers.

13. Limitation of Liability

• To the maximum extent permitted by law, PayBrill shall not be liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, data, goodwill or business opportunities;
• Our aggregate liability for any claim arising out of or relating to the Services shall not exceed the total fees and commissions earned by us from you in the three (3) months preceding the event giving rise to the claim, or the value of the disputed Transaction, whichever is lower;
• We are not liable for failures attributable to operators, billers, banks, network outages or events beyond our reasonable control (force majeure).

Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law.

14. Indemnification

You agree to indemnify and hold harmless PayBrill, its directors, employees and partners from any claims, losses, fines and expenses (including reasonable legal fees) arising from (a) your breach of these Terms, (b) your misuse of the Services, (c) inaccurate information provided by you, or (d) claims made by your end customers relating to services resold by you.

15. Suspension & Termination

• We may suspend or terminate your account for breach of these Terms, regulatory non-compliance, fraudulent activity, or prolonged inactivity, with notice where practicable;
• You may stop using the Services at any time; obligations accrued prior to termination (fees, adjustments, pending disputes) survive;
• Upon termination, any refundable Wallet balance is processed in accordance with the Refund Policy, subject to deductions for amounts owed to us and applicable legal holds.

16. Governing Law & Disputes

These Terms are governed by the laws of India. The courts at Delhi, Delhi shall have exclusive jurisdiction over any disputes. Before initiating legal proceedings, the parties shall attempt to resolve the dispute amicably for a period of thirty (30) days from written notice of the dispute. Unresolved disputes shall be referred to arbitration seated in Delhi, Delhi, by a sole arbitrator mutually appointed, and the award shall be final and binding.

17. Changes to These Terms

We may revise these Terms at any time. The "Last updated" date above reflects the current version. Material changes will be communicated through the Platform or by email, and continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

18. Contact Us