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AajPay Terms & Conditions

Last updated: [DATE OF PUBLICATION]

These terms are an agreement between you and [COMPANY LEGAL NAME] ([REGISTERED ADDRESS]), which operates AajPay. By creating an account or using the app you accept these terms and our Privacy Policy.

1. Who can use AajPay

• You must be at least 18 years old and able to enter a binding contract under Indian law.
• One account per person, registered with a mobile number you own. Keep your phone and OTPs private — anyone with your OTP can use your account.

2. What we do

AajPay lets you pay for mobile and DTH recharges and electricity, gas, water and FASTag bills. We pass your request to the operator, biller or authorised aggregator ([PROVIDER NAME]); the operator or biller is responsible for the service itself (talk time, TV pack, electricity supply, FASTag balance) once your payment is accepted. Plans and prices shown come from operators and may change without notice.

3. Payments and limits

• Payments are collected through our payment partner ([PAYMENT GATEWAY NAME]) using UPI or other methods it supports.
• A single recharge or bill payment can be from ₹1 to ₹10,000.
• Check the number, ID and amount on the review screen before paying. A recharge sent to a wrong number that you entered cannot usually be reversed.

4. Failed payments and refunds

• If you are charged but the recharge or bill payment fails, AajPay starts a refund automatically. If the app loses connection after you pay, you can retry; if the payment is not used within 30 minutes, the refund starts automatically.
• The money reaches your account according to your bank's or payment partner's timelines.
• Any rewards used on a failed payment are returned to your rewards.
• For a payment still pending, contact us with the Transaction ID shown in History.

5. Refer & Earn

• Share your referral code. A friend who signs up, applies your code within 7 days of signing up and before their first recharge, and then completes their first successful recharge or bill payment, earns you both a reward.
• The reward is the commission AajPay receives from the operator on that first transaction, split equally between you and your friend. If an operator pays no commission, no reward is given.
• Rewards are given as scratch cards, can be used only as a discount on later AajPay recharges and bill payments (at least ₹1 of each payment is paid normally), have no cash value, cannot be transferred or withdrawn to a bank, and expire after 90 days.
• You can earn rewards for at most 10 friends per calendar month. You cannot use your own code, and a number that was previously registered on AajPay cannot use a referral code.
• Fake accounts, self-referrals or any other abuse lead to rewards being cancelled and the account being suspended. We may change or end the programme with notice in the app; rewards already earned stay valid until they expire.

6. Things you must not do

• Use AajPay for anything unlawful, fraudulent, or to launder money.
• Create multiple or fake accounts, or use someone else's number without permission.
• Use bots, scripts or other automated means, or try to break, overload, reverse-engineer or bypass the app's security.

7. Suspension and closing your account

We may suspend or close an account that breaks these terms or the law, and will tell you why unless the law prevents us. You can delete your account at any time from Profile → Delete account; see the account deletion page for what is deleted and what the law requires us to keep.

8. Liability

We work to keep AajPay available and accurate but do not guarantee uninterrupted service. We are not responsible for the services provided by operators and billers, or for losses caused by wrong details you entered. Nothing in these terms limits rights you have under consumer-protection law.

9. Law and disputes

These terms are governed by the laws of India. Courts at [CITY], India have jurisdiction, subject to your rights under consumer-protection law.

10. Contact and grievances

Email support@example.com. Grievance Officer: [GRIEVANCE OFFICER NAME], [ADDRESS]. We acknowledge complaints within 24 hours and resolve them within 15 days.

11. Changes

We may update these terms. We will change the date above and, for important changes, tell you in the app. Continuing to use AajPay after that means you accept the updated terms.