a. Paisabazaar shall enable you to pay your dues (or additional amounts) to the Billers using certain payment instruments. The payment instruments enabled may be changed by Paisabazaar at its sole discretion from time to time based on success rates or any other relevant consideration. Paisabazaar does not guarantee the availability of any particular payment instrument for Bill Payment on the Platform.

b. Paisabazaar shall process the payment to the Biller only after Paisabazaar has successfully received the payment from your UPI, Debit Card, Credit card or other relevant payment instrument. Paisabazaar shall not be responsible for any delay occasioned due to any action or inaction on account of any bank or payment gateway involved in your transaction.

c. You agree to not hold Paisabazaar responsible and/or liable for any issue or claim arising out for any dispute whatsoever between You and the Biller, the payment gateway or Your bank

d. Once a bill payment has been initiated and successful it cannot be reversed.

e. While Paisabazaar undertakes its best efforts to process the payment as directed by you at the earliest, Paisabazaar may delay, suspend, or reject a transaction for any payment(s) for any reason, including without limitation if we suspect the transaction poses a financial or security risk, or is unauthorized, or is fraudulent, suspicious, unlawful or in any way in violation of the applicable laws around such transactions or in violation of these Terms or otherwise unusual in any manner. Paisabazaar shall in no manner be responsible for the delays/reversal or failure of the aforesaid Transactions..

f. You agree to not hold Paisabazaar liable for delays in bill payment arising from Biller's end. Paisabazaar recommends You to pay your bills early to avoid late payment fees, if any, being levied by the Biller.

g. Your access to Bill Payment Service through the Platform may be suspended or terminated or blocked or disabled permanently if Paisabazaar has reasonable grounds to suspect that information provided by You are untrue, inaccurate, incomplete, or not in accordance with the Terms provided herein or are in contravention to any Guidelines or in case of any suspicious or fraudulent activity by You on the Platform.

h. We further reserve the right to terminate or suspend your access to our service at any time, without prior notice, in the event of a court order or other legal directive requiring such action. We may also terminate your access for violations of these Terms of Use or for any other reason at our sole discretion. Upon termination, you may lose access to your account, data, and any associated Service.

You can access the Bill Payment Service from the ‘Bill Payments’ section of the Paisabazaar platform.

a) You understand and agree that Paisabazaar is a only a facilitator of payments and not a party to the payments; and to avail the Bill Payment Service, You will be required to provide relevant details which may include but is not limited to Your registered mobile number, Your bill number, bill amount and other bill related details. Paisabazaar will fetch Your payment/ due amount and other related information to enable Your timely payment of bills (“Bill Information”). The Company might also collect your bill details and other related information from the Biller and you agree and authorize Paisabazaar to make such necessary communications with the Biller, third party service providers, aggregators with Your account information/Bill Information for processing a Transaction.

b) You hereby provide Your explicit and unconditional consent to allow Paisabazaar to collect, access, use, store, process and disclose information related to Your bill payments and other related information for the purpose of facilitating Bill Payment Service.

You understand and acknowledge that the responsibility for providing correct information/ details, including payment details such as details of the Biller/bill number, amount of the bill etc., lies solely with You and the Company shall not be responsible for verifying the accuracy of the information/details provided by You.

a) In the event of any information provided by Your Biller, You agree that it shall be Your responsibility to verify such information before initiating the bill payment.

b) You agree and acknowledge that Paisabazaar shall not be responsible for any discrepancy in the bill details and in the event of any discrepancy in the bill details, You would be required to coordinate with the Biller directly without the involvement of Paisabazaar.

c) You also agree that You will only make genuine payments/ transactions, and that Paisabazaar may decline or reverse the transaction if it suspects that the transaction is not genuine. You agree not to use the Bill Payment Service for money laundering, terrorist financing, illicit payments or any other use which is either prohibited by law or is unethical.

d) You agree that You are responsible for all transactions conducted through the Bill Payment Service and in the event of any wrong payment made to an incorrect party, Paisabazaar shall not be liable to reimburse You or reverse such payment. In the event of any wrong payment made, Your sole remedy will be to approach the Biller or party to whom the payment was made.

e) By making a payment for a Credit Card, Loan EMI or any other Biller, that does not belong to You, You assume FULL responsibility for the aforesaid transactions.

Paisabazaar may levy service charges for any Bill Payment transaction. Such service charges, if any shall be displayed on the transaction screen prior to the payment being initiated. In addition, there may be charges for access, third party payment or such other applicable fees from third party payment participants and/or Billers which you agree to expressly and shall not hold Paisabazaar liable for the same.

The Bill Payment Service are provided to You on the Platform on an “as is” basis. The Company, its agents or partners do not provide any representation and/or warranty of any kind to the Bill Payment Service made available on the Paisabazaar platform.

a) The Bill Payment Service are made available on the Platform through (i) aggregators or (ii) the BBPOU registered Billers.

b) The payments made by You through the Bill Payment Service are solely between You and the Biller and Paisabazaar will not be liable in any way for any losses You may suffer as a result of a transaction facilitated by the Company on Your instructions.

c) Paisabazaar shall not be liable for any delay, errors or failures in the bill payment initiated by You through the Bill Payment Service.

d) You shall be solely responsible for providing accurate details, including account numbers, operator information, and payment values, at the time of transaction.

e) Bill Payment Service should not be construed as the Company providing or reselling any of the Service provided by Your Biller.

f) The Company does not provide any warranty as to the Bill Payment Service being uninterrupted, timely or error-free or free of defects.

PAISABAZAAR DISCLAIMS WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE BILL PAYMENT SERVICE, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. PAISABAZAAR DOES NOT WARRANT (i) THAT THE BILL PAYMENT SERVICE WILL MEET YOUR REQUIREMENTS; AND (ii) THAT ANY PRODUCTS, INFORMATION OR MATERIAL OBTAINED BY YOU IN CONNECTION WITH THE BILL PAYMENT SERVICE WILL MEET YOUR REQUIREMENTS. PAISABAZAAR SHALL NOT BE RESPONSIBLE FOR ANY SYSTEM RELATED FAULTS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION OR SETTLEMENT OF TRANSACTIONS) THAT YOU MAY FACE ON THE PLATFORM WHETHER OR NOT CAUSED BY PAISABAZAAR. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF THE BILL PAYMENT SERVICE AND OTHER INFORMATION PROVIDED BY PAISABAZAAR. WE DO NOT AUTHORIZE ANYONE TO MAKE ANY WARRANTY ON OUR BEHALF AND YOU SHOULD NOT RELY ON ANY SUCH STATEMENT.

You hereby agree to defend, indemnify, and hold harmless Paisabazaar, its affiliates, employees, officers, directors, shareholders, agents, representatives from and against any and all claims, actions, suits, proceedings initiated against it and any loss, cost or damage, expenses (including legal fees) incurred by it as a result of:

Your wrongful access or use of the Bill Payment Service.
Your violation of these terms and conditions, policies, guidelines provided/updated by us from time to time specifically regarding any fraudulent payments made by You through the Bill Payment Service. Your actual or alleged violation of any law, rules or regulations or any third-party claims arising out of Your access and use of the Bill Payment Service.

In no event will Paisabazaar be liable for any direct or indirect, consequential, incidental, special or punitive damages liabilities (including statutory), including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Platform.

You will be liable for any kind of loss or damage resulting from Your breach of these Terms & Conditions, Your negligence, or as a result of any unauthorized, fraudulent acts, You agree that, if You are not satisfied with the Bill Payment Services or any portion thereof, Your sole remedy shall be to stop using the Bill Payment Services.

If You have any grievance with regards to a payment/ transaction made by You through the Bill Payment Service offered by the Company, You can raise a query to our customer care through following link: https://www.paisabazaar.com/contact-us

We are committed to resolve the queries/concerns on Our Platform within 30 (thirty) business days’ time. However, in case of disputes, resolution may take up to 60 (sixty) days.

Payments undertaken by You through the Paisabazaar Bill Payment Service available on the Platform, cannot be reversed or cancelled once they are successfully processed.

a) Refund of payment amount for bill payment including mobile recharge or for any payment debited from Your account will be considered only if the relevant bill payment or recharge is not delivered.

b) In the event any transaction remains pending or fails due to any reason whatsoever, You may reach out to Our customer support, and we will assist You in figuring out a resolution.

c) If a transaction remains pending or fails due to service provider issues, users may raise a concern with customer support of Paisabazaar, and we will use our best efforts to resolve Your concern, within 30 (thirty) business days. In case of disputed transactions, resolution may take up to 60 (sixty) days. All the refunds (if applicable) for the transaction processed by You through the Bill Payment Service shall be refunded back to the source account only.

You may dispute a transaction carried out through Our Platform and file a Chargeback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of (i) alleged forgery of the card number / bank account or other details (ii) any charge/debit made on a card/bank Account that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines. However, a Chargeback may be rejected, including but not limited to, under the following circumstances:

a) Paisabazaar has provided the Service against which chargeback has been initiated;

b) if Paisbazaar suspects the transaction poses a financial or security risk, or is unauthorized, or is fraudulent, suspicious, unlawful or in any way in violation of the applicable laws around such transactions or in violation of these Terms or otherwise unusual in any manner.

Paisabazaar may from time to time make available either directly or in partnership with its Partners, certain independent benefits for using Paisabazaar Bill Payment Service. All such offers shall be governed by the respective terms and conditions as attached to such particular offer/s, prominently displayed on the Paisabazaar platform in addition to these Paisabazaar Bill Payment T&Cs. Paisabazaar's decision of the winner of such offers shall be final and binding which shall not be subject to any appeal or dispute resolution process.

1. Offers apply only to successful transactions in the eligible category that meet the minimum value as per internal TnCs.

2. The offer is valid only for the stated period (IST)

3. Limited to one account per user, mobile number as per campaign dates.

4. Each offer has a maximum cashback cap per user and a usage limit which is as per internal eligibility rules.

5. Cashback is credited within the stated timeline in wallet. The timeline is an estimate, not a guarantee.

6. Cashback expires if unused within the stated validity of 1 year.

7. Cashback has no cash value and cannot be transferred, sold or exchanged.

8. Chance-based rewards (spin or scratch) are system-generated and final.

9. Failed, pending, reversed, cancelled or refunded transactions do not qualify. Cashback on a later-reversed transaction will be cancelled and may be recovered.

10. Rewards credited by technical error may be withdrawn.

11. Taxes, including TDS where applicable, are the user's responsibility and shall be calculated accordingly by PaisaBazaar

12. Circular or self-payments made only to earn cashback, multiple accounts, bots, scripts and misuse are disqualified. Paisabazaar's decision is final.

13. Paisabazaar is not responsible for delays or failures caused by BBPS, banks, payment gateways, billers or their scheduled maintenance.

14. Offers do not cover late fees or interest charged by the biller.

15. Paisabazaar may change, extend, suspend or withdraw any offer or these terms at any time without notice. Rewards already credited are not affected, except under points 10, 11 and 13.

16. Paisabazaar's liability for any offer claim is limited to the reward promised for that transaction.

By accessing the Paisabazaar Bill Payment Service,

a) You hereby agree that Paisabazaar may access SMS from or regarding Billers, bill reminders and bill payment confirmations to identify the Billers that You interact with (Relevant Billers), subject to You having granted SMS read permission to the Paisabazaar App (applicable for android version only). You agree that You may not be able to use Paisabazaar Bill Payment Service at all or effectively without granting the aforementioned SMS permissions.

b) You agree that upon Relevant Billers being identified by Paisabazaar, Paisabazaar shall from time to time fetch from the Relevant Billers or through BBPS payment system, the bill details and payment status in relation to your account with the Relevant Billers, and Paisabazaar may display such information to You on its Platform and/or send You reminders of Your outstanding dues to such Relevant Billers - on WhatsApp, SMS, Email, RCS or through IVR

c) In the event that You wish to stop receiving updates in relation to a Relevant Biller identified by Paisabazaar, You may reach out to our customer care and notify regarding the same. You may also add a new Biller not identified automatically by Paisabazaar, by adding the Biller details and your account details using Our Platform.

d. You understand and acknowledge that while Paisabazaar uses its best efforts to ensure accuracy of the information displayed on the Paisabazaar platform, such information is derived from SMS, Billers, and other sources which may not be error free. Paisabazaar does not guarantee the accuracy or error free nature of the information displayed as a part of Paisabazaar Bill Payment. Paisabazaar recommends you to verify your bill details before making a payment

e. You understand and acknowledge that Paisabazaar may also use your bureau data (Credit History) to fetch bills details and payment status in accordance with RBI guidelines

We endeavor to execute and process transactions as per the defined process, however, We, shall not be held responsible for any non-responsiveness, delay, failure of systems or any other circumstances that might not be in Our control. We reserve the right to change/modify the Terms, at any time and without notice. You can determine when the Terms were last modified by referring to the “Last Updated” legend above. However, We shall not undertake to update You with the content contained herein from time to time. You are obliged to exercise Your independent diligence on the same before arriving at any decision and You will be solely responsible for Your actions. We shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information in the Terms. Your continuous use of the Paisabazaar following the posting of changes shall mean that You accept and agree to the changes and shall be legally bound by the same. You acknowledge and agree that the Bill Payment Service shall be subject to these Terms.

These Terms and Conditions mentioned herein and all matters arising under or in connection with these Terms, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of India. The courts in Gurugram, Haryana shall have exclusive jurisdiction over all matters connected with the Bill Payment Services.