Terms and Conditions
General provisions
The Company may add to, modify or remove any part of these Terms and
Conditions of Use at any time, without notice. Any changes to these
Terms and Conditions of Use or any terms posted on this Site apply as
soon as they are posted. By continuing to use this Site after any
changes are posted, you are indicating your acceptance of those
changes. The Company may add, change, discontinue, remove or suspend
any other Content posted on this Site, including features and
specifications of products described or depicted on the Site,
temporarily or permanently, at any time, without notice and without
liability. The Company reserves the right to undertake all necessary
steps to ensure that the security, safety and integrity of the
Company's systems as well as its clients and users interests are
and remain, well-protected. The Company reserves its exclusive right
in its sole discretion to alter, limit or discontinue the Site or any
material posted herein, in any respect. The Company shall have no
obligation to take the needs of any User into consideration in
connection therewith. The Company reserves its right to deny in its
sole discretion any user access to this Site or any portion hereof
without notice. No waiver by the Company of any provision of these
Terms and Conditions shall be binding except as set forth in writing
and signed by its duly authorized representative.
Terms of use
While using Our Service, We may ask You to provide Us with certain
personally identifiable information that can be used to contact or
identify You. Personally identifiable information may include, but is
not limited to:
Site and its contents
This Site is only for your personal use. You shall not distribute,
exchange, modify, sell or transmit anything you copy from this Site,
including any text, images, audio and video, for any business,
commercial or public purpose This site is for consumer use only.
Ownership
We use Cookies and similar tracking technologies to track the activity
on Our Service and store certain information. Tracking technologies
used are beacons, tags, and scripts to collect and track information
and to improve and analyze Our Service. The technologies We use may
include:
Links to third-party websites
Your information, including Personal Data, is processed at the
Company's operating offices and in any other places where the
parties involved in the processing are located. It means that this
information may be transferred to — and maintained on — computers
located outside of Your state, province, country or other governmental
jurisdiction where the data protection laws may differ than those from
Your jurisdiction.
Your consent to this Privacy Policy followed
by Your submission of such information represents Your agreement to
that transfer.
The Company will take all steps reasonably
necessary to ensure that Your data is treated securely and in
accordance with this Privacy Policy and no transfer of Your Personal
Data will take place to an organization or a country unless there are
adequate controls in place including the security of Your data and
other personal information.
Outside links
This website may contain links to other websites that are not
controlled by us. We are not responsible for the privacy practices and
policies of any website other than our own.
Transmitted material
Internet transmissions are never completely private or secure. You
understand that any message or information you send to this Site may
be read or intercepted by others unless there is a special notice that
a particular message (for example, credit card/debit card/bank
information) is encrypted (send in code). Sending a message to the
Company does not cause the Company to have any special responsibility
to you. The copyright in the contents of this Site belongs to the
Company. Accordingly, the Company reserves all rights. Copying of part
or all the content of this Site without permission of the Company is
prohibited except to the extent that such copying/printing is
necessary for the purposes of availing of the services.
Bill payments
In order to use the bill payments service or any other kPaisa Service,
You will need to obtain access to the World Wide Web or the Internet,
either on a computer or on any other device that can access web-based
content, and You will also need to pay any service fees associated
with such access. In addition, You must have all equipment necessary
to make such connection to the World Wide Web or the Internet,
including a computer and a modem or any other set of access devices.
In using the bill payment service, You agree to:
Loans
Herewith Borrower, an individual, resident of India, The NBFC/ Bank/
Fintech companies (lender), PARTNER and Borrower shall be referred to
individually as a “Party” and collectively as the Parties. The Parties
hereby unconditionally agree to abide by the following terms and
conditions.WHEREAS
a.The NBFC/ Bank/ Fintech companies are inter alia engaged in the
business of providing financial services to individuals and business
entities; b. PARTNER is inter alia engaged in the business of
facilitating distribution of financial products and services; c.The
Borrower is an individual who avails the technology services provided
by Partner through the kPaisa App, and has now enlisted to avail the
financial services and loan products provided by the lender; and
1. By applying for a loan as a borrower through kPaisa app, you give
your consent to kPaisa for submitting your personal and financial data
to third parties like NBFCs, Banks and other fintech companies who
facilitate end to end loan facility for Indian customers.
2. The Borrower shall be responsible for sharing the complete and
accurate information, documents etc. and takes the complete
responsibility of declaring the right information as requested by the
lender, kPaisa is only a loan service provider and it facilitates lead
generation tasks here. Once the loan is sanctioned and disbursed the
loan contract is purely between the borrower and the lender and the
timely repayment of the loan amount to the lender is purely the
responsibility of the borrower only.
kPaisa is facilitating the loan application benefit to users onboarded
on kPaisa app through partnership with Fibe. Please read the Fibe T&C
before taking any loans. kPaisa at no point in time will be
responsible for any transaction made between the borrower & Fibe.
Fibe terms and conditions
kPaisa is facilitating the loan application benefit to users onboarded
on kPaisa app through partnership with BHANIX FINANCE AND INVESTMENT
LIMITED (CASHe). Please read the BHANIX FINANCE AND INVESTMENT LIMITED
(CASHe) T&C before taking any loans. kPaisa at no point in time will
be responsible for any transaction made between the borrower & BHANIX
FINANCE AND INVESTMENT LIMITED (CASHe).
BHANIX FINANCE AND INVESTMENT LIMITED (CASHe) terms and
conditions
Refund policy
All sales of prepaid recharge on the kPaisa Platform are final with no
refund or exchange permitted. You are responsible for the mobile
number or DTH account number for which You purchase the prepaid
recharge and all charges that result from those purchases. You are
also responsible for the information relating to data card and
toll-tag recharge and all charges that result from those purchases.
kPaisa is not responsible for any purchase of prepaid recharge for an
incorrect mobile number or DTH account number or incorrect toll or
data card information. However, if in a transaction performed by You
on the kPaisa Platform, money has been charged to Your card or bank
account and a recharge is not delivered within 24 hours of the
completion of the transaction, then You shall inform us by sending an
e mail to our customer services e mail address mentioned on the
‘Contact Us’ page on the kPaisa Platform. Please include in the e-mail
the following details – the mobile number (or DTH account number or
data card or toll-tag information), operator name, recharge value,
transaction date and order number. kPaisa will investigate the
incident and, if it is found that money was indeed charged to Your
card or bank account without delivery of the recharge, then You will
be refunded the money.
Cancellation policy
Cancellation is subject to the policy and you may cancel your order
only if the cancellation policy of your service allows you to cancel
it. You must read the cancellation policy before placing an order.
Suspicious/ Fraudulent Transaction
Refund of Transactions which is Marked as Suspicious/ Fraudulent Would
be treated on a very Stringent manner also the Refund would be
Initiated for Such transactions after Deducting the Convenience fee of
the platform
Shipping order and cancellation policy
This business does not provide any kind of shipping.
Contact details
If you have any questions about this Privacy Policy, You can contact
us:
contact@kleio.me
