Terms and Conditions

1. Eligibility

• You must be an Indian resident with a valid Indian mobile number and a bank account in a UPI-participating bank.

• You must be at least 18 years old (or as per app-specific terms).

2. User Responsibilities

• Keep your UPI PIN confidential. Do not share it with anyone.

• Ensure your mobile number is linked with your bank account.

• Regularly check transaction history and report unauthorized activity immediately.

3. UPI PIN

• Acts as your authentication for any transaction.

• Created during UPI registration and stored securely.

• You’re responsible for all transactions made using your PIN.

4. Fees

• As of now, most UPI transactions are free for users.

• Charges may apply for merchant payments or in future policy changes (apps must notify you in such cases).

5. Dispute Resolution

• Raise complaints via your UPI app or bank.

• TAT (Turnaround Time) for resolution: Usually within 3 to 7 working days.

6. Data Privacy

• Your data is protected under IT Act 2000 and RBI guidelines.

• Data may be shared with banks, regulators, or authorized third parties under strict controls.

• Data is localized and stored within India.

7. Prohibited Uses

• No use of UPI for money laundering, illegal betting, or activities violating law.

• Banks have the right to block transactions or users in such cases.

8. Liability

• You are liable for transactions made using your device/PIN unless you report fraud promptly.

• The app/bank is liable for technical or systemic failures under certain conditions.

9. Suspension/Termination

• Services may be suspended for reasons like suspicious activity, breach of terms, or inactivity.

• You may also voluntarily deregister anytime via your app.