Welcome to UPFINZOFINTECH PRIVATE LIMITED, your go-to destination for financial services. We want to ensure that your experience with us is seamless, secure, and in compliance with the necessary legalities. So, before you dive into the world of financial possibilities that Upfinzo has to offer, please take a moment to familiarize yourself with our terms and conditions.
This document is a digital agreement, in accordance with the Information Technology Act, 2000, and its subsequent amendments. It's our way of establishing a clear understanding between you (referred to as "You") and Upfinzo (referred to as "We" or "Us"). Our registered office is located at Level 8, Desk No 76, Cessna Business Park, Business Bay Tower 1, Kadubeesanahalli, Bengaluru, Bengaluru Urban, Karnataka, 560037 , and by accessing or using the services provided by Upfinzo, you agree to be bound by the terms outlined herein.
Just so you're in the loop, we may update these terms from time to time. Any changes will be posted on the Upfinzo website and app, and they take effect immediately upon posting. We encourage you to check back periodically to stay informed about any modifications. Your continued use of Upfinzo indicates your acceptance of these terms and any subsequent changes.
By using Upfinzo, you're not just agreeing to the terms; you're also embracing our policies, including our Privacy Policy. These can be found on our website and app, so be sure to give them a read too.
Your journey with Upfinzo is important to us, and we grant you a personal, non-exclusive, non-transferable privilege to access our services as long as you adhere to these terms.
In essence, using Upfinzo signifies your agreement to these terms and conditions. So, before you embark on your financial adventure with us, take a moment to absorb the details. We're thrilled to have you on board, and we're committed to making your experience with Upfinzo a positive and rewarding one!
Let's navigate through the key definitions so that you're well-versed in the language we'll be using here at Upfinzo. We believe in keeping things simple and transparent, so here's a friendly breakdown:
Who We Are:
We, Us, Our: These pronouns refer to Upfinzo and its affiliated entities.
Who You Are:
You, Yours, Yourself, Upfinzo User: This encompasses anyone, whether an individual or a business, registered or not, who engages with Upfinzo. This includes our valued customers, merchants, and anyone using our services.
Upfinzo Entities:This term covers our broader family – group, affiliates, associates, and subsidiaries of Upfinzo. Platforms and Services:
Upfinzo Platform: This is the collective term for any space – websites, mobile apps, devices, links, notifications or any other means we use to deliver our services to you.
Upfinzo Services: Everything we offer falls under this umbrella – from Pre-Paid Instruments and gift cards to payment gateways, recharges, bill payments, insurance, mutual funds, gold transactions, and more.
Service Providers: Individuals or groups whose services we leverage to provide you with our services on the Upfinzo Platform.
Business Partners: Our contractual allies, including merchants, advertisers, deal partners, financial institutions, and switch interface partners.
Participating Platforms/Merchant Partners: Websites and platforms that accept our services for making payments against the products or services they offer.
Terms of Use/Terms and Conditions: These phrases are interchangeable and refer to the rules of engagement outlined here. Now that we've demystified these terms, let's embark on this journey together! Feel free to explore Upfinzo and make the most of what we have to offer. If you have any questions, our virtual doors are always open. Cheers to a seamless experience with Upfinzo
We reserve the right to end our agreement if there's any misinformation about the conditions mentioned above. It's all about keeping things fair and square. Document Verification:
When you share information and official documents with us (referred to as "OVD" or document details), we trust that it's accurate and truly yours. We believe in a straightforward approach, and these eligibility criteria are here to create a secure and reliable environment for everyone using Upfinzo. If you have any questions or concerns, we're here to help – just reach out. Ready to dive into the Upfinzo experience? Let's get started on this exciting journey together!
To unlock the full spectrum of Upfinzo services, you'll need to register on our website. Providing accurate and complete information during the sign-up process is crucial. Your account, KYC details, and contact information should be kept up to date.
Once you sign up, you'll have your very own Upfinzo account. You can also register through third-party merchant platforms, subject to certain conditions mentioned on our website.
Your registered device is the one on which you download the Upfinzo app and use during registration. If you switch to a new device, we'll guide you through a quick SMS verification to secure your account on the new device.
If your phone number changes, it's your responsibility to inform us promptly, ensuring the security of your Upfinzo account.
We want your experience to be safe and enjoyable. When using our services, please provide accurate and up-to-date information. Be aware that Upfinzo, in providing services, may collect and share your personal information according to our Privacy Policy.
If you notice any unauthorized use of your Upfinzo Wallet or loss of your mobile device, let us know immediately. Until you inform us, any transactions will be your responsibility.
When using Upfinzo for payments to merchants, understand that we act as an intermediary. Any dispute or complaint with a merchant needs to be resolved directly with them.
You're responsible for maintaining the confidentiality of your login information. Any activities under your account are your responsibility, and Upfinzo is not liable for unauthorized actions.
Unauthorized access or disruption of our services is strictly prohibited. Any activities causing harm or loss due to unauthorized access may incur legal consequences.
In case of disputes, records maintained by Upfinzo will be considered conclusive evidence of transactions. Customer communications will be sent via SMS and/or email.
By using Upfinzo, you agree to receive commercial and transactional messages. It's your responsibility to pay any taxes, duties, or levies imposed on products or services purchased through Upfinzo.
We hope you enjoy using Upfinzo responsibly and in compliance with all applicable laws. If you have any questions or concerns, feel free to reach out. Happy banking with Upfinzo!
Our platform is for users over 18, capable of forming a legally binding contract under the Indian Contract Act, 1872. If you're under 18, use the platform under supervision. We don't knowingly collect personal information from those under 18.
Welcome to Upfinzo! Your gateway to seamless financial experiences begins with a simple registration. By creating a username and secure access credentials, we ensure your access to Upfinzo services across our platform and other participating platforms is both convenient and secure.
We've introduced a Single Sign-On Service (S-SSO) for your ease, allowing you to access Upfinzo services on various platforms without the hassle of multiple logins. Your credentials are managed and owned by us, ensuring a secure and efficient registration process.
With your authorization, the S-SSO can also be used to register or access the switch interface with "Switch Merchants." Your secure credentials, however, are never shared with any "Switch Merchants." Feel free to use your S-SSO to access your Upfinzo account or make payments across participating platforms without logging into the Upfinzo app every time.
Please refrain from sharing your S-SSO credentials with third-party websites or individuals. Keep in mind that unauthorized disclosure may lead to misuse of your Upfinzo account. Non-compliance with these terms may result in the termination of access to your account and services.
As you explore Upfinzo, you may encounter third-party services provided via our platform. Please note that we do not own these services, and you may be required to accept their specific terms and conditions. We hold no liability for information collected by third-party websites or applications. Unfortunately, we cannot indemnify you for actions taken by third parties.
Exciting offers may come your way from time to time on Upfinzo. Your participation in these offers is subject to the terms and conditions outlined for each offer. Keep in mind that some offers may be provided by third parties on the Upfinzo platform, each with its own set of terms and conditions. Offer availability may vary from user to user.
We reserve the right to disqualify you from any offer if you fail to meet eligibility criteria or engage in misuse, misrepresentation, fraud, or suspicious transactions. Disqualification is at our sole discretion and without prior notice.
Stay connected with Upfinzo through timely communication alerts sent via email, SMS, push notifications, or other progressive technologies. While we strive to keep communications uninterrupted, factors beyond our control, like your phone being switched off or network interruptions, may cause disruptions. Please update your contact details promptly, and note that we're not liable for non-delivery due to any such factors.
Feel free to reach out to us for any assistance or clarification during your engagement with Upfinzo. Your contact details may be used for communication related to PhonePe services or offers.
We respect intellectual property rights. All content on the Upfinzo website and mobile application, including images and audio/video clips, is protected. Copying, reproducing, or distributing this material without prior written consent is prohibited. Modification of materials or use for purposes other than personal, non-commercial use is also a violation..
Upfinzo and its entities reserve the right to use their services to provide the mentioned services on Upfinzo platforms.
We hope for a smooth journey with Upfinzo. However, non-compliance with terms may lead to termination of your contract without prior notice. If our losses result from your actions, legal actions may be taken as deemed necessary.
We hope for a smooth journey with Upfinzo. However, non-compliance with terms may lead to termination of your contract without prior notice. If our losses result from your actions, legal actions may be taken as deemed necessary.
Financial and non-financial transactions on Upfinzo are processed by you or under your exclusive authorization. We're not liable for indirect, consequential, or punitive damages arising from the use of our services.
You agree to indemnify and hold harmless Upfinzo, its entities, and affiliates from any claim or demand due to your breach of terms, violation of laws, or infringement of third-party rights.
Events beyond our control, termed as Force Majeure, may impact Upfinzo's ability to fulfill obligations. These events include but are not limited to natural disasters, wars, and pandemics.
