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Terms and Condition

These terms and conditions regulate the use of services enabled by Sajpe (Formerly known as 'M K Tech IT Solution Pvt. Ltd'), a company incorporated under the Companies Act, 2022 with its registered office at 1st Floor, Shop No 18,19,20, Balaji Market, Khemi Sati Road, Opp Indu Hospital, Fauz Ka Mohalla, Jhunjhunu, Jhunjhunu, Rajasthan, 333001 (hereinafter referred to as “Sajpe”/ “we”/”us”/” our”). By proceeding to use of Sajpe Services, you (“User”/ “you”/ “your”) signify your consent to be bound by these Terms of Use (hereinafter “Bill Pay T&Cs”) in addition to agreeing to the General Sajpe Terms and Conditions (“General Terms”) and Privacy Policy. Whenever the context requires “User”/ “you”/”your” shall mean any natural or legal person who is a resident of India, at least 18 (eighteen) years of age who is eligible to contract within the meaning of the Indian Contract Act, 1872, is not an undischarged insolvent and has registered on the Sajpe App by accepting these Bill Pay T&Cs. By proceeding to use the Sajpe Services which includes Recharge & Pay Bills offerings of Sajpe, you shall be contracting with Sajpe and these Bill Pay T&Cs including all policies referenced herein will constitute your binding obligations, with Sajpe in connection with this offering. When you transact using the Sajpe App (with any payment options) for availing the Recharge & Pay Bills Services through the Sajpe App, these Bill Pay T&Cs will be applicable to you in addition to the T&Cs. We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of Sajpe App following the posting of changes will mean that You accept and agree to the revisions including additional Terms or removal of portions of these Terms, modifications etc. As long as You comply with these Terms of Use, We grant You a limited privilege to utilize the Sajpe App for Recharge & Bill Pay offering and other services that may be offered through Sajpe App from time to time for payments, recharges, utility payments. USING THE SAJPE RECHARGE & BILL PAY FEATURE IN THE SAJPE APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS. HENCE, PLEASE READ THESE TERMS CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting the Recharge & Pay Bills T&Cs, you also agree and consent to be bound by all Sajpe Policies including the Privacy Policy.

Sign-Up / Registration

In order to use the full spectrum of Sajpe Services, You need to register on the Sajpe App and provide Us with accurate and complete information. You are also required to keep your accounts, KYC details and contact information complete and updated at all times. Once you sign-up on Sajpe, you are entitled to a Phone Account. You can also register with Sajpe from any third party merchant platform subject to certain conditions and limitations available on Sajpe website & application. Once registered with Sajpe, certain services may ask you for additional information in order to avail such service and may involve creation of sub-accounts for availing such services. The device on which You download Sajpe App and use during registration, shall become Your registered device and device details shall be stored by us. The moment You log into your Sajpe account from a different device using the Sajpe app, You will be asked to allow Sajpe to send an SMS from the new device, after which the new device becomes the registered device. You will not be able to access your Sajpe account using your previous device until you re-login and re-authorize yourself on that device. In the event, Your phone number using which You have registered on Sajpe is transferred, surrendered and/or deactivated, for any reason whatsoever, it shall be Your responsibility to inform Sajpe in this regard. This will enable Sajpe to secure Your Sajpe account. In case another individual/person intends to register using the phone number which has been transferred, surrendered and/or deactivated, Sajpe would require time to remove/delink the details of the previous Sajpe account holder and thereby, reset the account which may take up to two (2) years from the date of request.


Your Conduct on Website(s) and Application(s)

In order to access Sajpe Services, you are required to provide information about yourself as part of the signup process, or as part of your ability to use services provided by Us. You agree that any information you provide will always be accurate, correct, and up to date and some services may require you to share additional information which might include your personal information, personal sensitive information. You further agree that Sajpe (including its Group Companies/service providers/business partners), in relation to providing services to You, may collect/share Your Personal Information from/with third parties including but not limited to vehicle-related information. Your information management shall be as per Sajpe Privacy Policy. You shall promptly inform Sajpe of any unauthorized usage of your Sajpe Account or loss of mobile device and any other circumstances which may lead to unauthorized usage. The responsibility of any transaction prior to intimation, will solely be on the registered User. You understand that while availing services offered by Merchants and your payment to merchants using any of Sajpe Services, you understand that we are not a party to the contract between you and the Merchant and act only as an Intermediary (IT Act 2000). Sajpe does not endorse any advertiser or Merchant linked to its website or app. Furthermore, Sajpe is under no obligation to monitor the Merchant’s service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by you with the Merchant. It is clarified that Sajpe shall not be responsible or liable for any deficiency in goods and/or services purchased using Sajpe. You agree that in case any amount is transferred erroneously by You to any Merchant, Participating Platforms or any other person, Sajpe shall not be liable to refund such amount to You under any circumstances. You further agree that any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link. You agree that if You provide any information that is incorrect, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is incorrect, inaccurate, not current or incomplete, or not in accordance with this Terms of Use, We shall have the right to indefinitely suspend or terminate or block access to Sajpe Platform and/or take necessary steps in accordance with applicable Law without any further notice. You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with your Sajpe account. Accordingly, you are responsible for all activities that occur under your account/is using your secure credentials and Sajpe shall not be liable for any such change or action performed by using your secure credentials on Sajpe Platform. Attempting to access Sajpe Platform using any other means apart from ones provided by Us is strictly prohibited and shall be deemed unauthorized access, whether attempted or accessed through any automated, unethical or unconventional means. Further you should not directly or indirectly engage in any activity using device, software or any routine process that disrupts or interferes with our ability to service you or any other user(s) on Sajpe Platform, including the servers and/or networks to which our resources are located or connected. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by You, as explained above, and may incur criminal or civil liability. You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual or digital process, to access, acquire, copy or monitor any portion of the Sajpe Platform or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Sajpe Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Sajpe Platform. You shall not probe, scan or test the vulnerability of the Sajpe Platform or any network connected to Us. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Sajpe Platform, or any other customer, including any account on the Sajpe Platform not owned by You, or exploit the Sajpe Platform or any Sajpe Service or information made available or offered by or through the Sajpe Platform, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Sajpe Platform.

You further agree that:


Definitions


Eligibility


Recharge & Bill Pay Services

Sajpe facilitates Recharge and Bill Payment for:
Services are enabled via:

Setting Up Recharge & Bill Pay


Your Responsibilities


User Errors

If you pay the wrong biller, wrong amount, or duplicate, contact the biller directly. Sajpe will not reverse or refund.

Disclaimers


Complaint Process

Pending Transactions Usually instant. If pending beyond 24 hours, raise a ticket. Biller may take up to 96 hours. Successful but Not Updated Wait 48 hours. If still not updated, report to us. We'll resolve within 48 business hours, max 30 days.

General Terms for Recharge & Pay Bills

Sajpe facilitates Recharge and Pay Bills services by allowing you to pay for the Mobile Post-paid, Prepaid Recharge and landline Phone, DTH Services, Other Utility bill's like Electricity, LPG etc. Insurance Premium, Internet broadband and Water Bill, Toll Tax recharge (FasTag), Loan repayment and other services provided by Sajpe from time to time which are available under “Recharge and Pay Bills” section of Mobile APP through: a) aggregators with whom Sajpe has a contract or b) through the Bharat Connect Operating Unit infrastructure where the Merchant is registered with NPCI for Bill payments.

Charges

There may be charges for access, third party payment or such other data fees from third party payment participants and/or Billers which you expressly agree and shall not hold Sajpe liable for the same.

Bharat Connect Operating Unit Complaint Process

Pending Transactions: Bill Payments/Recharges usually get confirmed instantly. However, in rare cases, service providers may take longer than usual to share the transaction confirmation. If you see your Bill payment/Recharge in a pending state, it means that we are waiting for a confirmation from your service provider, and they may take up to 96 hrs to update the final status. In case you see the transaction in a pending state beyond 24hrs, you can raise a ticket with us, and we will take it up with the service provider. Successful Transactions: In case Bill Payments/Recharge is not updated/service is not provided even after successful bill payment/recharge, please wait for 48 hrs. If the Bill Payment/Recharge is not updated/service is not provided even post 48 hrs, you can report any complaint/grievance to us. We will review your concern and will try to resolve your complaint within 48 business hours and not later than 30 business days from the date of receipt of your complaint. Refunds: All the refunds (if applicable) for the transaction processed by you on Sajpe platform shall be refunded back to the Sajpe wallet only. For payments using UPI, you will receive the refund within 7 working days, for card payments within 7 to 9 working days.

Third Party Terms and Conditions

Sajpe and Sajpe Entities may provide third party services via Sajpe Platform. You understand that We do not own those services and you may need to accept their respective terms and conditions, and may require to share additional information in order to avail such products/services provided by third parties on Sajpe Platform. Sajpe does not hold any liability on the information collected from You by third party website or application and We cannot indemnify You for any third party actions.

Termination

You agree that Sajpe at its sole discretion may terminate your contract without prior notice and restrict your access to Sajpe application if We determine that You have violated the terms of use and You consent that in case Sajpe suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief or any other legal action as deemed necessary within the said circumstances and Sajpe is not liable for any loss to You due to termination.

Other Terms

All other terms including terms such as User Registration, Privacy, User Responsibilities, Indemnification, Governing Law, Liability, Intellectual Property, Confidentiality and General Provisions etc. are deemed to be incorporated into these Terms of Use by reference to the General Terms. This is the complete readable text content from the provided React JSX file. Let me know if you need it in any other format (e.g., .txt, .docx, markdown, etc.).

Cancellation And Refund

Mobile/DTH/Bill Payments/Data Card Recharge Refund Policies

All sales of Recharge are final and there will be no refund or exchange permitted. Please be advised that you are responsible for the mobile number or DTH account number you purchase Recharge for and all charges that result from those purchases. sajpe is not responsible for any purchase of Recharge for an incorrect mobile number or DTH account number.

However, in a case where a transaction has been completed by you on the sajpe app, and money has been charged to your card or bank account but a Recharge has not delivered within 24 hours of your completion of the transaction then you may inform us by sending us an email on [email protected] or posting us a message on the Contac Us page. In such a scenario you will be entitled to a full refund. We request you to include in the email the following details - the mobile number or DTH account number, operator name, Recharge value, Transaction date and Order Number sajpe shall 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 within 7 to 10 working days from the date of the receipt of your email.

For cases if you are doing recharge from your sajpe account balance and you have received a success confirmation but not received a recharge or any other case you are welcome to log a complaint by opening a support ticket on our contact us page and we will provide you a quick resolution.

Refund Policy for Customer:

customer takes the balance. In any event, the balance will not return.

Kindly note, in all cases our liability is only restricted to providing you a valid recharge or refund to the extent of payment received by us. We shall not be responsible for any other claim or consequential liability arising out of a failed recharge on our system.