Terms and Conditions

Welcome to Zepay Money ("we," "our," or "us"), a brand of Evyaparpay Financial Technologies Private Limited. These Terms and Conditions ("Terms") govern your use of our website located at zepay.money and our financial services. By accessing or using our services, you agree to be bound by these Terms.

1. About Evyaparpay Financial Technologies Private Limited

Evyaparpay Financial Technologies Private Limited is the parent company operating Zepay Money, providing comprehensive financial technology solutions across India. We are committed to delivering secure, reliable, and innovative payment services to our customers.

• Company Name: Zepay Money [Evyaparpay Financial Technologies Private Limited
• Brand: Zepay Money
• Website: zepay.money
• Registered Office: Lucknow, Uttar Pradesh, India

2. Services Offered

Zepay Money provides a comprehensive suite of financial services including but not limited to:

• AEPS (Aadhaar Enabled Payment System): Cash withdrawal, balance inquiry, and mini statements using Aadhaar authentication
• Payouts: Bulk payment disbursements to bank accounts across India
• UPI Transfer: Instant transfer using Unified Payments Interface
• BBPS (Bharat Bill Payment System): Utility bill payments including electricity, water, gas, telecom, and more
• Mini ATM (mATM): Cash withdrawal and balance inquiry services at merchant locations
• Mobile Recharge: Prepaid and postpaid mobile recharge services
• DTH Recharge: Direct-to-home television recharge services
• Insurance Premium Payments: Life and general insurance premium collection

3. Eligibility and Account Registration

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India
• Provide accurate and complete registration information
• Have the legal capacity to enter into binding agreements
• Comply with all applicable laws and regulations

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. User Responsibilities and Conduct

As a user of Zepay Money services, you agree to:

• Use services only for lawful purposes
• Provide accurate and truthful information
• Maintain the security of your account credentials
• Not engage in fraudulent or suspicious activities
• Not attempt to breach our security systems
• Comply with all applicable financial regulations
• Report any unauthorized transactions immediately
• Not use services for money laundering or terrorist financing

5. Transaction Terms and Conditions

• Transaction Limits: All services are subject to daily, monthly, and per-transaction limits as per regulatory guidelines
• Processing Time: Most transactions are processed instantly, but some may take up to 24-48 hours
• Transaction Fees: Applicable charges will be clearly displayed before transaction confirmation
• Failed Transactions: Refunds for failed transactions will be processed within 5-7 business days
• Transaction Disputes: Any disputes must be reported within 30 days of the transaction date
• KYC Compliance: Higher transaction limits require complete KYC documentation

6. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Our data practices are governed by our Privacy Policy, which forms an integral part of these Terms. Key aspects include:

• Collection of minimal necessary information
• Secure storage and transmission of data
• No sale of personal information to third parties
• Compliance with applicable data protection laws
• User rights to access, modify, and delete personal data

7. Security Measures

Zepay Money implements industry-standard security measures:

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for sensitive operations
• Regular security audits and penetration testing
• 24/7 fraud monitoring and detection systems
• Secure data centers with restricted access
• Compliance with PCI-DSS standards

8. Limitation of Liability

To the maximum extent permitted by law:

• Zepay Money shall not be liable for any indirect, incidental, or consequential damages
• Our total liability for any claim shall not exceed the amount of the specific transaction in question
• We are not responsible for third-party service interruptions or failures
• Users acknowledge that electronic transactions carry inherent risks
• Force majeure events absolve us from liability for service disruptions

9. Regulatory Compliance

Zepay Money operates in compliance with:

• Reserve Bank of India (RBI) guidelines
• Payment and Settlement Systems Act, 2007
• Information Technology Act, 2000
• Prevention of Money Laundering Act (PMLA), 2002
• Foreign Exchange Management Act (FEMA), 1999
• Know Your Customer (KYC) and Anti-Money Laundering (AML) norms

10. Intellectual Property Rights

All content, trademarks, logos, and intellectual property on the Zepay Money platform are owned by Evyaparpay Financial Technologies Private Limited. Users are granted a limited, non-exclusive license to use our services for personal or business purposes only.

11. Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in prohibited activities. Upon termination, your access to services will cease, but these Terms will continue to apply to past transactions and disputes.

12. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through:

• Primary resolution through our customer support team
• Mediation if direct resolution fails
• Arbitration under the Arbitration and Conciliation Act, 1996
• Jurisdiction of courts in Lucknow, Uttar Pradesh, India

13. Amendments

We may update these Terms periodically to reflect changes in our services or legal requirements. Updated Terms will be posted on our website with the revision date. Continued use of our services constitutes acceptance of the modified Terms.

14. Contact Information

For questions, concerns, or support regarding these Terms:

• Email: risk@zepay.money
• Customer Support: Available 24/7 through our platform
• Address: Evyaparpay Financial Technologies Private Limited, Lucknow, Uttar Pradesh, India
• Website: zepay.money

By using Zepay Money services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.