Terms & Conditions

1. Acceptance of Terms

By accessing and using the Upay platform, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Use of Services

You agree to use our services only for lawful purposes and in accordance with these terms. You must not:

• Use our services for any illegal or fraudulent activity
• Attempt to gain unauthorized access to our systems
• Transmit any harmful or disruptive code
• Violate any applicable laws or regulations

3. Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Notifying us immediately of any unauthorized use

4. Transaction Limits & Compliance

All transactions are subject to applicable RBI guidelines and anti-money laundering regulations. We reserve the right to set and modify transaction limits, suspend accounts, or refuse transactions that violate our policies or applicable laws.

5. Disclaimer

Our services are provided "as is" without any warranty. We do not guarantee uninterrupted access or error-free operation. We are not liable for any indirect, incidental, or consequential damages arising from your use of our services.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the updated terms. We will notify you of material changes via email or in-app notification.

7. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.