Zepay Money Agent Android App (com.zepay.money.app)
Effective date: [EFFECTIVE DATE] | Last updated: [LAST UPDATED DATE]
These Terms & Conditions (“Terms”) govern use of the Zepay Money / Zepay Money Agent Android application (package com.zepay.money.app) and the agent portal at https://neo.zepay.money (together, the “Services”), operated by [COMPANY LEGAL NAME] (“Company”, “we”, “us”).
The Services are a B2B digital payment / banking-correspondent style agent platform for authorised retailers, distributors, and business agents in India. By registering, logging in, or using the App, you agree to these Terms and our Privacy Policy.
Registered address: [REGISTERED ADDRESS]
Support: [SUPPORT EMAIL] · [SUPPORT PHONE]
1. Eligibility & Account
- You must be at least 18 years of age and competent to contract under Indian law.
- Accounts are for authorised business agents / members only. You must provide accurate KYC and business details.
- You are responsible for safeguarding login credentials, OTP, password, TPIN / MPIN (if any), and device unlock settings.
- Notify us immediately of unauthorised access via complaints / support channels.
2. Services
Subject to eligibility, partner availability, and regulatory rules, the App may provide:
- Agent login (mobile + OTP / password), wallet, fund request / add money
- AEPS via partner (Fingpay) with certified biometric devices
- MATM / Micro ATM via Bluetooth card readers (e.g. MoreFun / Fingpay SDK)
- DMT / money transfer and payouts to bank accounts
- Mobile recharge, DTH, BBPS bill payments
- PAN card services and CMS / cash deposit where enabled
- Flight / bus booking search via travel partners
- Insurance enquiry forms for follow-up
- Complaints, transaction reports, ledger / passbook
- Member invite / referral deep links and push notifications
Features may vary by role, package, location, and partner status. We may enable, disable, or modify features without prior notice where required for security, compliance, or operations.
3. KYC, AML & Regulatory Compliance
You agree to complete KYC using Officially Valid Documents as required (including Aadhaar-related verification and PAN where applicable) and to comply with RBI / NPCI / bank / partner guidelines, the Information Technology Act, 2000, the DPDP Act, 2023, and the Prevention of Money Laundering Act, 2002.
We may suspend or terminate accounts for failed KYC, suspicious activity, or regulatory direction.
4. Prohibited Use
- No unlawful, fraudulent, or money-laundering activity
- No misuse of AEPS / MATM devices, spoofing, or unauthorised biometric capture
- No reverse engineering, scraping, or attacking the platform
- No use of another person’s credentials or forged documents
We may freeze wallets / ledgers and escalate matters to FIU-IND, banks, or law enforcement without prior notice where required.
5. Transactions & Upstream Partners
Transaction success depends on banks, NPCI, BBPS, Fingpay, recharge operators, travel partners, and other upstream providers. Displayed status may update after reconciliation. Disputes must be raised through in-app complaints with supporting details within prescribed windows.
6. Fees & Settlements
Applicable charges, commissions, and settlement cycles are as configured for your role / package and as shown in the App. Partner fees and taxes may apply.
7. Intellectual Property
App software, branding, and content belong to the Company or its licensors. You receive a limited, non-exclusive, non-transferable licence to use the App for authorised agent business only.
8. Limitation of Liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential losses, or for failures caused by upstream networks, device hardware, internet outages, force majeure, or your breach of these Terms. Our aggregate liability for a claim relating to a specific transaction shall not exceed fees charged by us for that transaction, except where mandatory law provides otherwise.
9. Privacy
Personal data is processed as described in our Privacy Policy at https://neo.zepay.money/policy.
10. Suspension & Termination
We may suspend or terminate access for breach, risk, inactivity, or legal requirement. You may request account closure subject to pending settlements and statutory retention.
11. Changes
We may update these Terms. Material updates may be notified in-app, on the website, or by SMS / email / push. Continued use after update constitutes acceptance.
12. Governing Law
These Terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of courts at [JURISDICTION CITY / STATE].
13. Contact
[COMPANY LEGAL NAME]
[REGISTERED ADDRESS]
Email: [SUPPORT EMAIL]
Phone: [SUPPORT PHONE]
Related: Privacy Policy · Refund Policy