📜 TERMS OF USE

1️⃣ Acceptance of Terms

By accessing or using the CREDVIA website, mobile application, or portal, the user agrees to comply with these Terms of Use, Privacy Policy, and all applicable rules.

If you do not agree, please do not use the platform.

2️⃣ Eligibility

• User must be 18 years or above
• Valid & accurate KYC required
• Services available only in India
• Role access subject to approval

3️⃣ Platform Structure

• Super Distributor
• Distributor
• Retailer
• White Label / API Partners

Each role has defined access, limits, and responsibilities.

4️⃣ Services Offered

• AEPS & Micro ATM
• DMT (Money Transfer)
• BBPS Services
• Credit Card Bill Payment
• UPI & Wallet
• Loans (Personal, Business, Gold, etc.)
• Insurance
• Ticket Booking & Travel
• ATM Franchise
• Gift & Prepaid Cards
• White Label & API

5️⃣ User Obligations

• Provide correct information
• Maintain login confidentiality
• Never share OTP or passwords
• Use platform legally
• Follow RBI & government rules

6️⃣ Prohibited Activities

• Fraudulent transactions
• Fake KYC usage
• System hacking
• Banking misuse
• Money laundering

Violation may lead to suspension.

7️⃣ Transaction Responsibility

• CREDVIA acts as facilitator
• Success depends on banks & APIs
• Delays may occur
• Refunds as per policy

8️⃣ Fees & Charges

• Displayed on portal
• May vary by service
• Revised without notice

9️⃣ Refund & Dispute Policy

• Subject to bank confirmation
• Raise disputes timely
• No liability for third-party delays

🔟 Account Suspension & Termination

• Fraud detection
• Terms violation
• Regulatory orders

Balances settled as per policy.

1️⃣1️⃣ White Label & Franchise

• Separate agreements
• Brand & revenue rules
• Legal action on breach

1️⃣2️⃣ Intellectual Property

All logos, content & software belong to CREDVIA. Unauthorized use is prohibited.

1️⃣3️⃣ Limitation of Liability

• Business losses
• Indirect damages
• System failures
• Force majeure

1️⃣4️⃣ Data Security & Privacy

• Privacy Policy
• IT Act & RBI rules
• Encrypted systems

1️⃣5️⃣ Compliance & Regulatory

• RBI guidelines
• NPCI rules
• BBPS standards
• Indian laws

1️⃣6️⃣ Modification of Terms

CREDVIA may update terms anytime. Continued use implies acceptance.

1️⃣7️⃣ Governing Law

Governed by Indian law. Jurisdiction under Indian courts.