1. Introduction
These Terms & Conditions ("Terms") govern your access to and use of the QicPay platform, website, mobile application and related services (collectively, the "Services") offered by QicPay Connect India Private Limited ("QicPay", "we", "us" or "our"). By registering for, accessing or using our Services, you agree to be bound by these Terms.
2. Eligibility
Our Services are intended for use by individuals and businesses who are at least 18 years of age and capable of entering into a legally binding contract under Indian law. Retail partners must complete applicable KYC and onboarding requirements before transacting on the platform.
3. Account Registration
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
4. Services Offered
QicPay operates as a fintech payment aggregator, enabling mobile and DTH recharges, utility bill payments, financial services (loan EMI, education fees, insurance and related payments), travel bookings and related digital transactions. Availability of specific services may vary by location and is subject to change without prior notice.
5. Payments & Settlements
All transactions processed through QicPay are subject to verification and may be delayed, held or declined where required by applicable law, risk controls or instructions from banking and payment partners. Commission payouts to retail partners are settled in accordance with the applicable partner agreement.
6. User Obligations
- Provide accurate, current and complete information during registration and transactions.
- Use the Services only for lawful purposes and in compliance with applicable law.
- Not attempt to interfere with, disrupt or gain unauthorized access to the platform or its systems.
- Not use the Services for money laundering, fraud or any other illegal activity.
7. Fees & Charges
Applicable fees, charges and commissions will be communicated to you at the time of the transaction or as per your partner agreement. QicPay reserves the right to revise fees with reasonable prior notice.
8. Suspension & Termination
We may suspend or terminate your access to the Services at our discretion, with or without notice, where we reasonably believe there has been a violation of these Terms, suspicious activity, or a requirement under applicable law or regulatory direction.
9. Limitation of Liability
To the maximum extent permitted by law, QicPay shall not be liable for any indirect, incidental or consequential damages arising from your use of the Services, including delays or failures caused by third-party banking, telecom or payment network partners. Please also refer to our Disclaimer.
10. Intellectual Property
All content, trademarks, logos and software associated with QicPay are the property of QicPay Connect India Private Limited or its licensors and may not be used without prior written consent.
11. Amendments
We may update these Terms from time to time. Continued use of the Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
12. 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 of Bengaluru, Karnataka.
13. Contact Us
For any questions about these Terms, please contact us or write to us at support@qicpay.in.