Terms & Conditions

1 Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the website, mobile application, and services operated by Fintechnology ("we", "us", "our", or the "Platform"), including mobile recharge, DTH recharge, data card recharge, bill payment, and Retailer / Distributor business services.

By creating an account, accessing our website, or using our services in any way, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Platform immediately.

2 Eligibility & Registration

• You must be at least 18 years of age and legally capable of entering into a binding contract.
• You must provide accurate, current, and complete information during registration, including valid identity, address, and (where applicable) business/GST details.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• Completion of KYC verification may be required before your account is fully activated or before certain transaction limits are lifted.

3 Account Types & Roles

The Platform offers tiered business accounts, each subject to specific terms communicated at the time of onboarding:

4 Description of Services

We act as a technology intermediary connecting you to telecom operators, DTH providers, billers, and payment partners to facilitate recharges and bill payments. While we strive for 24/7 availability and instant processing, transaction success ultimately depends on the response of the respective operator or biller, and we do not guarantee uninterrupted or error-free service.

5 Wallet, Payments & Refunds

• Transactions are processed using your prepaid Platform wallet, which you must top up in advance through approved payment methods.
• You are responsible for verifying transaction details (number, amount, operator) before confirming; we are not liable for losses caused by incorrect details entered by you.
• Where a transaction fails after your wallet has been debited, the amount will ordinarily be reversed to your wallet automatically; where automatic reversal does not occur, you may raise a support ticket for manual review.
• Wallet balance is non-transferable to a third party and, unless required by law, non-refundable to your bank account except upon account closure after settlement of dues.

6 User Obligations

• Use the Platform only for lawful purposes and in accordance with these Terms
• Keep your account credentials, OTPs, and PINs confidential and never share them with anyone, including individuals claiming to represent our support team
• Promptly notify us of any unauthorized use of your account
• Comply with all applicable KYC, tax, and reporting obligations relevant to your business activity on the Platform

7 Prohibited Activities

You agree not to:

• Use the Platform for money laundering, fraud, or any illegal transaction
• Attempt to interfere with, disrupt, or gain unauthorized access to our systems or another user's account
• Reverse-engineer, scrape, or misuse the Platform's software, APIs, or content
• Create multiple accounts to circumvent limits, promotions, or verification requirements
• Misrepresent your identity or provide false business/KYC documentation

Violation of this section may result in immediate suspension or termination of your account, forfeiture of pending commissions, and reporting to relevant authorities where required.

8 Commission & Settlements

Commission rates for Retailers, Distributors, and Master Distributors are set out in your onboarding agreement or account dashboard and may vary by operator and be revised from time to time with prior notice. Settlements are processed on the schedule communicated at onboarding, subject to successful reconciliation with operator and payment partner records.

9 Intellectual Property

All content on the Platform, including the logo, design, software, and trademarks, is owned by or licensed to us and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without prior written consent.

10 Limitation of Liability

To the maximum extent permitted by law, the Platform is provided on an "as is" and "as available" basis. We shall not be liable for any indirect, incidental, or consequential damages arising from your use of the services, including business losses, loss of commission, or delays caused by third-party operators, payment gateways, or events beyond our reasonable control (including network outages or operator-side failures).

11 Suspension & Termination

We may suspend or terminate your account, with or without notice, if you breach these Terms, provide false information, engage in fraudulent activity, or if required to do so by law or a regulator. You may close your account at any time by contacting support, subject to settlement of any outstanding dues.

12 Indemnity

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your breach of these Terms, misuse of the Platform, or violation of any applicable law.

13 Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Surat, Gujarat.

14 Changes to Terms

We may revise these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date, and continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

15 Contact Us

For questions about these Terms & Conditions, please reach out to us: