Terms & Conditions of Use

The platform and Services are intended for individuals who are at least 18 years of age and legally competent to enter into binding contracts under applicable Indian law, as well as eligible business entities acting through their duly authorised representatives.

Access to or use of the Services by individuals below 18 years of age is prohibited. By using the platform, you represent and warrant that you satisfy the applicable eligibility requirements.

You represent and warrant that you have the necessary legal capacity, authority, permissions, and approvals to access and use the Services.

You shall ensure that your use of the Services, and any Transactions initiated by you, comply with all applicable laws, rules, regulations, and directions issued by competent authorities.

These Terms shall be read together with the Privacy Policy, applicable product-specific terms, and any additional terms or conditions prescribed by relevant Service Providers. Where applicable, the requirements of Service Providers shall also govern the use of their respective products and services.

Registration with Wisepay and, where required, the relevant Service Providers may be necessary to access certain Services.

You agree to provide all information, documents, identification details, and other particulars reasonably required for registration, verification, KYC, due diligence, and service activation.

You represent and warrant that all information provided during registration and throughout your use of the platform is true, accurate, complete, and up to date.

You shall promptly update any information that becomes inaccurate, incomplete, or outdated.

Wisepay may reject, suspend, restrict, or terminate your registration or access to the Services where information provided is false, incomplete, misleading, unverifiable, or where such action is otherwise necessary or permitted under applicable law or these Terms.

Upon successful registration, an account may be created and associated with your username, password, registered mobile number, email address, and other authentication details.

You are responsible for maintaining the confidentiality of your account credentials and for activities carried out through your account, subject to applicable law and the circumstances of any unauthorised access.

The Services may be used for making payments to third parties and for accessing other facilities made available through the Wisepay platform, subject to the relevant service terms and eligibility requirements.

Where applicable, login credentials, access links, verification codes, or other authentication details may be communicated to your registered mobile number or email address.

You are responsible for safeguarding your login credentials, passwords, OTPs, and other authentication details. You must not disclose these details to unauthorised persons or permit unauthorised access to your account.

Wisepay may rely on instructions received through authenticated accounts and established verification procedures, subject to applicable law, regulatory requirements, and the security controls applicable to the relevant Service.

Wisepay may undertake identity verification, KYC checks, transaction monitoring, or other verification procedures as required by applicable law, its internal policies, or the requirements of relevant Service Providers.

You acknowledge that Wisepay may facilitate or initiate a payment after receiving the necessary information, instructions, and confirmations from the relevant Service Provider and in accordance with the applicable payment process.

You are responsible for providing correct and complete information relating to the Payee, payment amount, account details, and other particulars necessary to process a Transaction.

Wisepay shall not be responsible for errors arising from incorrect information supplied by you, except to the extent that such responsibility arises under applicable law.

A Transaction confirmation generated through the platform may serve as evidence of the Transaction status, subject to reconciliation, verification, and the applicable records of the relevant Service Providers.

Where a Transaction relates to the purchase of goods or services from a third-party seller or merchant, Wisepay's role shall be limited to the Services it has expressly undertaken to provide. Unless specifically agreed otherwise, Wisepay does not guarantee the delivery, quality, suitability, or performance of goods or services supplied by such third parties.

Any complaint concerning a Transaction should be reported to Wisepay through the designated customer support or grievance channels as soon as reasonably practicable. The original reporting period of 10 (ten) days may be used as an initial reporting guideline, subject to applicable law, the nature of the complaint, and any mandatory dispute-resolution or reporting timelines prescribed by the relevant Service Provider.

Provide accurate, complete, and up-to-date information relating to the Payer, Payee, Transaction, and any other particulars required to use the Services.

Use the platform only for lawful purposes and refrain from carrying out any activity that is illegal, fraudulent, prohibited, or otherwise contrary to applicable law.

Refrain from using the Services in any manner that may violate applicable laws or regulations or expose Wisepay or its Service Providers to unlawful activity, regulatory action, investigation, or legal proceedings.

Ensure that no payment or Transaction is initiated in connection with any prohibited product or service listed in Annexure A or otherwise restricted under applicable law or relevant Service Provider policies.

Comply with all applicable laws, rules, regulations, directions, and operational guidelines issued by Wisepay and the relevant Service Providers, to the extent applicable to the Services.

Obtain all necessary permissions, authorisations, and consents before collecting, using, processing, or sharing any third-party personal information in connection with a Transaction.

Not sell, exchange, disclose, distribute, or misuse another person's personal information, including account details and mobile numbers, except where necessary to complete an authorised Transaction, where the individual has provided the required consent, or where disclosure is otherwise permitted or required by law.

Implement reasonable security measures to protect the systems, devices, credentials, and communication links used to access the Services.

Follow security instructions and safeguards communicated by Wisepay from time to time to maintain the confidentiality, integrity, and security of connections between the User's systems, the Wisepay platform, and the applicable payment infrastructure.

Promptly notify Wisepay if you become aware of suspected unauthorised access, credential compromise, security breaches, fraudulent Transactions, or any other incident that may affect the security of your account or the Services.

Cooperate with reasonable verification requests, investigations, audits, and other compliance procedures relating to the use of the Services, subject to applicable law.

Not misuse, disrupt, reverse engineer, interfere with, or attempt to gain unauthorised access to the Wisepay platform, its systems, or the systems of any relevant Service Provider, except to the extent expressly permitted by applicable law.

Be responsible for Transactions initiated by you or by persons authorised by you, subject to applicable law and the circumstances of any unauthorised or fraudulent activity.

Be responsible for losses arising from your breach of these Terms, unlawful conduct, negligence, or failure to maintain appropriate security, to the extent such responsibility is established under applicable law.

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions shall continue to apply to the extent legally permissible.

Any failure or delay by Wisepay in exercising a right under these Terms shall not, by itself, constitute a waiver of that right.

These Terms shall be interpreted together with the Privacy Policy and any applicable product-specific or Service Provider terms.

Nothing in these Terms shall exclude or limit any right, remedy, or obligation that cannot lawfully be excluded or limited under applicable law.