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.


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:


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).

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