Terms & Conditions

Part 1: Terms and Conditions for NeoMoneyPay.com

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING OUR WEBSITE AND SERVICES.

1. Acceptance of Terms

This website, NeoMoneyPay.com ("Website"), is operated by JATTA M KOMMERCE PVT LTD ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website and the financial and digital services offered through it (collectively, the "Services").

By accessing, browsing, or using our Website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to all of these Terms, you must not access or use our Website or Services.

2. Eligibility

You must be at least 18 years of age and competent to enter into a legally binding contract under the Indian Contract Act, 1872 to use our Services. By using our Services, you represent and warrant that you meet these eligibility criteria. Our Services are intended for residents of India only.

3. Description of Services

NeoMoneyPay.com is a digital platform that facilitates various financial and utility services, which may include but are not limited to:

• AEPS (Aadhaar Enabled Payment System) services
• Money Transfers (UPI, IMPS, NEFT, etc.)
• Bill Payments (electricity, water, gas, etc.)
• Mobile Recharges & DTH Top-ups
• Loan Facilitation Services
• Other digital payment and financial services

Important: We are a service facilitator and platform provider. We are not a bank, Non-Banking Financial Company (NBFC), or a direct lender. For loan services, we act as a Loan Service Provider (LSP) and connect you with our partner banks and NBFCs. The final approval, terms, interest rates, and disbursement of any financial product are at the sole discretion of our partner financial institutions. We do not guarantee loan approval or specific terms.

4. User Account and Registration

To access certain Services, you may be required to register for an account. You agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate and complete.
• Maintain the security of your account credentials (username, password, etc.).
• Notify us immediately of any unauthorized use of your account or any other security breach.
• Accept responsibility for all activities that occur under your account.

5. User Responsibilities and Conduct

You agree to use the Website and Services only for lawful purposes and in accordance with these Terms. You expressly agree not to:

• Engage in any fraudulent, illegal, or unauthorized activity.
• Use the Services for any purpose that is harassing, defamatory, or objectionable.
• Provide false, inaccurate, or misleading information.
• Interfere with or disrupt the integrity or performance of the Website or Services.
• Attempt to gain unauthorized access to any part of the Website, other user accounts, or our computer systems.
• Initiate chargebacks for transactions that were authorized and services that were duly delivered.

6. Intellectual Property

All content, features, and functionality on this Website, including but not limited to text, graphics, logos, images, and software, are the intellectual property of JATTA M KOMMERCE PVT LTD or our licensors and are protected by Indian copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial use.

7. Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to such processing and you warrant that all data provided by you is accurate.

8. Limitation of Liability

To the fullest extent permitted by applicable law, JATTA M KOMMERCE PVT LTD, its directors, employees, partners, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including, but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• your access to or use of or inability to access or use the Services;
• any conduct or content of any third party (including our partner banks/NBFCs) on the Services;
• any content obtained from the Services; and
• unauthorized access, use, or alteration of your transmissions or content.

The Services are provided on an "as is" and "as available" basis without any warranties of any kind.

9. Third-Party Links and Services

Our Website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content, goods, or services.

10. Termination

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of India. Any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Services shall be subject to the exclusive jurisdiction of the courts located in India.

12. Amendments to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post the updated Terms on this page. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

13. Grievance Officer

In compliance with the Information Technology Act, 2000 and its rules, the contact details of the Grievance Officer are:

Name: REVAN SIDDAPPA
Email: grievance@neomoneypay.com
Address: Jatta M Kommmerce Pvt Ltd
220, 1st Floor
Citi Mall, New Link Road, Andheri (W)
Mumbai 400053

14. Contact Us

If you have any questions about these Terms, please contact us at support@neomoneypay.com.

Part 2: Appointment Terms & Conditions (Retailer/Distributor/Super/Master Distributor)

These Terms and Conditions govern the commercial arrangement between NeoMoneyPay.com, a brand of JATTA M KOMMERCE PVT LTD ("Company"), and the Retailer/Distributor/Super/Master Distributor ("Partner").

These Terms and Conditions represent the entire agreement between the Company and the Partner. No changes are binding unless in writing and intimated by an authorized representative of the Company.

1. Acceptance and Appointment

1.1. These Terms shall come into force from the date of acceptance of the Partner Application Form ("Effective Date"). The Partner shall commence business within 30 days from the Effective Date.

1.2. The Partner acknowledges that it has evaluated the financial requirements, equipment, and risks associated with the business.

1.3. The Company hereby appoints the Partner, and the Partner accepts the appointment, to establish and operate a retail outlet ("Retail Outlet") at the address specified in the application form for the purpose of marketing, selling, and providing the Services.

1.4. The appointment is non-exclusive and shall remain valid until terminated ("Term").

1.5. The Partner may describe itself as an 'authorized Partner' of the Company but must not hold itself out as being entitled to bind the Company. The Partner is an independent entity and not an employee, agent, or partner of the Company.

2. Definitions

2.1. "Applicable Law" includes all applicable Indian statutes, including the Companies Act, 2013, Information Technology Act, 2000, Digital Personal Data Protection Act, 2023, guidelines issued by the Reserve Bank of India (RBI), and all other relevant laws.

2.2. "Services" means the financial and digital services offered through the NeoMoneyPay.com platform, including money transfers, bill payments, recharges, and loan facilitation.

2.3. "Intellectual Property" means trademarks, logos, software, operating manuals, and proprietary material belonging to the Company.

2.4. "Platform" refers to the NeoMoneyPay.com website, mobile application, and related software systems.

3. Operation of the Outlet

3.1. The Partner shall render the Services as designated by the Company. The Company reserves the right to modify the list of Services at its sole discretion.

3.2. The Partner shall only promote such Services as are expressly permitted by the Company.

3.3. The Partner shall, at its sole expense, maintain the necessary infrastructure and equipment (computer terminals, internet connectivity, etc.) to effectively provide the Services.

3.4. The Partner shall prominently display the Company's signage, signboards, and logos at the Retail Outlet.

3.5. All Services must be provided solely through the Company's Platform. Offline transactions or fake receipts are strictly prohibited. Fraudulent activity makes the Partner liable under civil and criminal laws.

3.6. The Partner shall obtain all necessary licenses, permits, and approvals required to operate the Retail Outlet.

4. Payments and Commissions

4.1. Registration Fee: The Partner shall deposit a non-refundable registration fee as defined by the Company.

4.2. Working Capital: The Partner shall maintain an interest-free working capital deposit with the Company in a designated bank account.

4.3. Credit Limit: The Partner's transaction limit shall be equivalent to the working capital balance. Transactions exceeding this limit will be blocked until the limit is increased.

4.4. Commission: The Partner is entitled to a commission at a rate intimated through the portal, which may adjust on a transactional or daily basis. The Company's decision is final.

4.5. Prices: All charges, prices, and discounts shall be determined solely by the Company.

4.6. Taxes: The Partner is responsible for all applicable taxes (e.g., GST). The Company will perform TDS/withholdings as required by law.

4.7. Costs: The Partner shall bear all operational costs, including electricity, staff salaries, and promotional expenses.

5. Intellectual Property

5.1. No license under any patents, copyrights, or trademarks of the Company is granted to the Partner by virtue of this appointment.

5.2. The Partner shall not use the Company's logos or trademarks on its own materials without prior written authorization.

5.3. The Partner agrees to protect the Company's Intellectual Property and indemnify the Company for any losses arising from unauthorized use.

6. Confidentiality and Security

6.1. The Partner agrees to keep all information disclosed by the Company confidential and shall not disclose it without prior written consent.

6.2. The Partner is solely responsible for safeguarding its user IDs, passwords, and access credentials. The Company is not liable for losses due to unauthorized access resulting from Partner negligence.

7. Partner's Warranties and Covenants

The Partner warrants and undertakes to:

• Operate in compliance with all Applicable Laws and Company guidelines.
• Promote the Company's business interests and prevent damage to its reputation.
• Employ adequately trained personnel and be responsible for their actions.
• Refrain from unfair or unethical trade practices.
• Allow the Company and regulatory authorities to inspect, examine, and audit records.
• Maintain adequate insurance, including for cash handling and transit.

8. Termination

8.1. Either party may terminate this agreement without cause by giving a 30-day written notice.

8.2. The Company may terminate the appointment immediately under circumstances including breach of terms, breach of intellectual property, failure to deposit transaction proceeds, or criminal conviction.

8.3. Upon termination, the Partner must clear all dues within 15 days, return all confidential materials, permanently cease using Company Intellectual Property, and remove all signage.

8.4. The Company will settle claims after account reconciliation, retaining deductions for outstanding liabilities as per policy. No compensation for loss of profits will be provided.

9. Indemnity

The Partner undertakes to indemnify, defend, and hold harmless the Company, its affiliates, and employees against all claims, losses, and damages arising from negligent acts, breach of laws, intellectual property infringement, or misrepresentation by the Partner.

10. Governing Law and Dispute Resolution

10.1. These Terms and Conditions shall be governed by the laws of India.

10.2. Disputes shall first be resolved amicably, failing which they shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, in India. The award shall be final.

10.3. The Partner acknowledges it is a business associate and not a consumer, and is not entitled to consumer protection remedies.

11. Declaration and Acceptance

By accepting these Terms, the Partner certifies that the info provided is correct, agrees to work exclusively with NeoMoneyPay.com for the Services covered, consents to receive non-opt-out communications, and agrees to report account discrepancies within 24 hours.

12. Refund Policy

No refunds are provided on any purchases or registration fees. Returns are not accepted if materials have been used in the course of business or distributed.

13. Loan Facilitation Terms & Conditions

The Partner consents to the sharing of its data with lenders and Credit Information Companies (CIC) for credit checks and facilitating credit offers as per prevailing RBI norms.

14. Company Policy

• The Company reserves the right to adjust platform & processing fees at any time.
• Application fees and outlet creation charges are non-refundable.
• The Partner must maintain a minimum balance, or face a maintenance fee.
• Grievances must be submitted via email or signed letter, addressed within 30 working days.
• The Company has the right to conduct financial audits of the Partner's account.
• Legal action will be taken for defaming or engaging in unethical activity against the Company.
• The Partner cannot claim charges from the bank after availing services.

Part 3: Website Disclaimer

This Website Disclaimer ("Disclaimer") governs your use of the website NeoMoneyPay.com ("Website"), operated by JATTA M KOMMERCE PVT LTD ("Company"). By using this Website, you accept this Disclaimer in full.

1. No Financial Advice

The information on this Website is for general informational and promotional purposes only. It is not financial, investment, legal, or professional advice. You should consult a qualified professional before making financial decisions.

2. Service Facilitator, Not a Lender

NeoMoneyPay.com is a service platform and facilitator. We are not a bank, Non-Banking Financial Company (NBFC), or a direct lender. Final approval, interest rates, and disbursement of loans or credit products are at the sole discretion of our regulated partner financial institutions.

3. Accuracy of Information

While we strive to keep information accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, products, or services on the Website.

4. Third-Party Services and Links

Our Website may link to third-party sites not controlled by us. We assume no responsibility for the content, privacy policies, or practices of any third-party websites.

5. Limitation of Liability

JATTA M KOMMERCE PVT LTD and its directors shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of or inability to use the Website, or unauthorized access to your transmissions.

6. Service Availability

We do not guarantee that the Website will remain uninterrupted or error-free, and may restrict access for business or operational reasons without liability.

7. No Warranties

The Website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied.

8. User Responsibility

You are solely responsible for ensuring that your use of the Website complies with all applicable Indian laws, including the Digital Personal Data Protection Act, 2023, and RBI guidelines.

9. Intellectual Property

All content, logos, and trademarks displayed on the Website are the property of JATTA M KOMMERCE PVT LTD and may not be used without prior written consent.

10. Changes to this Disclaimer

We reserve the right to modify this Disclaimer at any time. Continued use of the site implies acceptance of the updated Disclaimer.

11. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to exclusive jurisdiction of Indian courts.

12. Contact Us

For questions, contact support@neomoneypay.com