Terms of use

Eligibility

By signing up with Rediff Pay and using the Rediff Pay Services, you confirm the following:

1. You have the legal capacity to enter into a binding agreement;
2. You are not restricted or otherwise legally disallowed from using the Rediff Pay App and its Services;
3. You consent to retrieve your Credit score through Rediff Pay Information Companies using the Rediff Pay App and agree to share this score with Rediff Pay. The score may be utilized by Rediff Pay to assess your eligibility for various Rediff Pay Services. Rediff Pay reserves the right, at its sole discretion, to restrict Users from accessing the Rediff Pay App or Platforms entirely or partially if their Credit score falls below the minimum threshold set by Rediff Pay, which may change over time;
4. If you joined the Rediff Pay App on or before January 1, 2025, you confirm that you were at least 18 years old at the time of registration; and If you permit others to use your account, including individuals under 21 years of age, you are responsible for ensuring their compliance with these Terms of Use. You will be held accountable for any actions they take through your account. You also acknowledge that Rediff Pay is not obligated to verify if you meet the stated eligibility criteria.

Please review these terms and conditions carefully before registering for, accessing, or using the services provided through the Rediff Pay website, Rediff Pay App, or other platforms operated by Rediff Pay Group Entities. These terms form a legal agreement ("Terms of Use") between you and Rediff.com India Limited ("Rediff Pay"), having registered office at Level 9 and 10, Seasons Riddhi Siddhi, Jn of Tilak Road and 1st Gaothan Lane, Santacruz (West), Mumbai- 400054, Maharashtra, India. By using the Rediff Pay Services, you confirm that you have read and understood these Terms of Use. If you do not accept or agree to these terms, you must discontinue the Services and uninstall the Rediff Pay App immediately.

1. Definitions

• "Rediff Pay," "We," "Us," "Our" refer to Rediff Pay and its affiliated entities.
• "You," "Yours," "Yourself," "User" refer to any individual, prospective user, or registered user of Rediff Pay and its affiliated entities, including but not limited to customers and business partners.
• "Rediff Pay App" refers to the mobile application(s) operated by Rediff Pay and its affiliates to deliver services to users and business partners.
• "Rediff Pay Group Entities" include subsidiaries and associated companies of Rediff Pay.
• "Rediff Pay Platform" encompasses any platform owned, licensed, or utilized by Rediff Pay or its affiliated entities, including (but not limited to) the Rediff Pay Website, the Rediff Pay App, other mobile applications, devices, URLs/links, notifications, chatbots, social media channels, or any other communication methods employed by Rediff Pay or its affiliates to provide services to users.
• "Rediff Pay Website" refers to https://www.pay.rediff.com or any other site registered or hosted by Rediff Pay or its affiliated entities.
• "Rediff Pay Services" comprise all present and future offerings provided by Rediff Pay and its affiliated entities, either directly or through its business partners. These services include, but are not limited to, Rediff Pay News Services, Rediff Pay Shopping, Rediff Payit Card Bill Payment Services, Rediff Pay Wallet Services, Rediff Pay Moneywiz Services, Rediff Pay Pay Services, and Rediff Pay Store Services. For merchants, this also covers Payment Aggregator Services.
• "Commercial Partner" denotes any individual or organization with whom Rediff Pay or its affiliated entities maintain a contractual arrangement. This may include, but is not limited to, entities offering rewards on the Rediff Pay App, sellers, lenders, Rediff Pay Pay merchants, and others.
• "Sellers" are entities that provide goods for sale to users through the Rediff Pay Store.
• "Terms of Use" or "Terms and Conditions" refer to these terms, including any associated supplemental terms, and are used interchangeably.

2. Your Use of Rediff Pay

By accessing and utilizing Rediff Pay Services, you agree to the following terms:

1. Unless explicitly authorized in writing by Rediff Pay, you are allowed to maintain only one account.
2. Your use of the Rediff Pay App and related platforms must adhere to all applicable laws and regulations.
3. The Rediff Pay App and platforms are intended solely for your personal use.
4. Any information you provide during registration must be accurate, truthful, and complete. You also agree to keep your account details current and up to date.
5. You are accountable for all activities performed through your account.
6. You are responsible for safeguarding the confidentiality of your account credentials and for any actions taken using your account. If your passcode or account security is compromised, you must inform Rediff Pay immediately.
7. You assume full responsibility for all transactions carried out through your account. This includes, but is not limited to, situations where you knowingly or negligently:
   • Allow another person to access the Rediff Pay App.
   • Permit others to perform transactions using your account.
   • Conduct transactions on behalf of someone else, including sharing one-time passwords or other methods.
8. You agree not to engage in actions such as reverse engineering, decompiling, disassembling, or tampering with the content of the Rediff Pay App. Furthermore, you must not remove or alter any intellectual property rights associated with the Rediff Pay App, including copyrights, trademarks, trade secrets, designs, patents, or other proprietary notices.
9. You must not use or access the Rediff Pay App in ways that:
   • Disrupt or harm the functioning or content of the Rediff Pay App.
   • Violate any applicable laws or regulations.
   • Negatively impact Rediff Pay, its users, or its business partners.
   • Interfere with other users' experience or enjoyment of the Rediff Pay App.
   • Commit fraud against Rediff Pay, its users, or its business partners.
10. You are prohibited from transmitting, posting, or distributing software or files containing viruses, harmful components, or malicious content. Any actions that damage the Rediff Pay App, disrupt associated networks, or interfere with others' use of the App are strictly forbidden.
11. You shall not delete, modify, or alter any content within the Rediff Pay App.
12. By using the Rediff Pay App, you consent to the automatic installation of updates (such as patches, bug fixes, enhancements, or new versions) to ensure the smooth operation of Rediff Pay services. Your continued use of the App after such updates implies your acceptance of them.
13. You acknowledge that not all products, services, or rewards available on the Rediff Pay App may be accessible in every region. Your eligibility for these offerings may vary, and Rediff Pay reserves the sole right to determine availability and eligibility for any product, service, or reward offered on its platforms.
14. If your device is lost or stolen, you agree to promptly notify Rediff Pay to block your account and reset your passcode to prevent unauthorized access.
15. If you purchase insurance policies through the Rediff Pay App, you agree that the nominee for these policies will default to your legal heirs unless otherwise specified. To update nominee details, you must contact the respective insurance provider directly. Rediff Pay and its affiliates are not liable for changes to nominee information.
16. For insurance policies obtained through the Rediff Pay App, you consent to insurance partners accessing your medical records from healthcare providers, hospitals, or previous employers to assess your physical or mental health. You also authorize these partners to share your medical information with regulatory bodies or for underwriting and claims processing. Insurance partners may contact you regarding your policy, services, claims, or other related matters.

3. Violation of Terms of Use or Suspicious Activity

If we determine that you have breached these Terms of Use, the Privacy Policy, the Supplemental Terms, or any agreements accepted through the Rediff Pay App, we reserve the right to:

• Suspend your access to the Rediff Pay App.
• Terminate your account without prior notice.
• Reverse transactions carried out by you.

If suspicious or unusual activity is identified in your account, we may temporarily or permanently restrict your access to Rediff Pay Services and reverse associated transactions. Rediff Pay also reserves the right to take similar action in cases where users:

1. Exploit features, offers, or rewards dishonestly—for example, placing orders with no intent to receive them or canceling most or all of the orders deliberately.
2. Use features in ways that deviate from their intended purpose.
3. Artificially manipulate transaction volumes, such as splitting payments into numerous smaller transactions.
4. Attempt to bypass fair usage limitations.
5. Gain improper, unethical, or unfair advantages over other users or partners.
6. Intentionally cause harm or financial loss to Commercial Partners or Rediff Pay.

Rediff Pay may request additional documents, such as your Permanent Account Number (PAN), to verify your account or activities. Failure to provide the requested information may result in account suspension, transaction reversals, or restrictions on App usage.

If your account is suspended or deleted, you can reach out to the Rediff Pay support team for assistance or to address any related concerns.

4. Account Termination or Deletion

You can end your agreement with Rediff Pay at any time by deactivating your account and discontinuing the use of its services. The Rediff Pay App allows you to request the removal of a specific card linked to your account or to deactivate or delete your account entirely through the support section.

Upon account termination or deletion, whether initiated by you or Rediff Pay:

• The agreement between you and Rediff Pay is considered terminated.
• Rediff Pay may retain transaction records for regulatory or archival purposes.
• Any obligations entered into before termination, such as loan repayments, remain enforceable.

Even after your account is deleted or terminated, Rediff Pay will retain a record of your transactions to comply with regulatory and archival requirements.

5. Privacy

Your personal information is collected, stored, used, and shared in accordance with Rediff Pay's Privacy Policy. By accepting these Terms of Use, you also agree to the Privacy Policy, which may be updated from time to time.

You acknowledge that, as permitted by law, any data you provide in connection with Rediff Pay Services may:

• Be shared with Rediff Pay's subsidiaries, affiliates, or partners.
• Be used by Rediff Pay to improve existing services or develop new offerings.

For more details, please refer to the Privacy Policy.

6. Fees

You are responsible for any fees associated with specific transactions or services on the Rediff Pay App. These fees will be clearly displayed before you complete any transaction. By selecting options like “Proceed,” “Submit,” or “Continue” on the Rediff Pay App, you confirm your acceptance of the fees as outlined on the relevant page.

7. General UPI Refund Policy

Failed Transactions:

If a UPI transaction fails but the amount is debited, it is usually auto-refunded within 5-7 working days. If the amount is not credited back, you can raise a complaint via the UPI app or your bank. Wrong Transaction (Sent to Wrong UPI ID/Number):

UPI transactions are instant and irreversible unless the recipient voluntarily refunds the amount. You can try contacting the receiver and request a refund.

If the receiver refuses, you may lodge a complaint with your bank, but recovery is not guaranteed. Fraudulent Transactions (Unauthorized Debit):

Report the fraud immediately to your bank and the UPI app's customer support.

File a complaint through NPCI's Dispute Resolution Mechanism or your bank's grievance portal or the authorities. Banks usually investigate such cases, but refunds depend on the circumstances.

Merchant Payments (Failed or Incorrect Deduction):

If a UPI payment to a merchant fails but money is debited, the refund usually happens within 3-5 working days.

If the refund doesn't process, raise a dispute in the UPI app or contact the merchant's customer support.

How to Request a Refund?

Use the "Help" or "Raise Dispute" option in the UPI app.

Contact your bank's customer service and provide transaction details.

If unresolved, escalate to the Banking Ombudsman or NPCI (https://www.npci.org.in).

8. Disclaimer

The Rediff Pay Services, along with all content, software, materials, and information accessible through the Rediff Pay Platform, are provided on an "as is" basis. Rediff Pay, its affiliates, and partners do not make any guarantees or warranties regarding the functionality, content, or reliability of its services.

Specifically, Rediff Pay does not warrant that:

• The features, content, or services of the Rediff Pay App, including those of third-party sites linked through the App, will be uninterrupted, timely, or error-free.
• Any defects or errors will be resolved or corrected.
• The App or its servers are free of viruses or harmful components.

Additionally, you acknowledge that payment transactions facilitated via the Rediff Pay App are solely between the sender (User initiating the payment) and the recipient (User receiving the payment). Rediff Pay does not guarantee the quality, performance, or fulfillment of goods, services, or commitments by the recipient and is not responsible for any non-compliance with these Terms by other users or partners.

You accept all risks associated with transactions and are advised to exercise due diligence before proceeding with payments through the Rediff Pay App.

9. Limitation of Liability

Rediff Pay, its affiliates, officers, shareholders, subsidiaries, directors, employees, agents, partners, licensors, contractors, and other associated parties shall not be liable to you or any third party for any indirect, incidental, special, consequential, or punitive damages. This includes, but is not limited to, losses related to data, profits, goodwill, or other intangible assets, even if Rediff Pay was advised of the possibility of such damages.

This limitation applies under all legal theories, including breach of contract, warranty, negligence, or tort, arising from your use of the Rediff Pay App, Platforms, or Services.

The maximum aggregate liability of Rediff Pay and its affiliated entities for any damages, losses, or claims resulting from your use of the Rediff Pay App, Platforms, or these Terms of Use shall not exceed INR 10,000 (Indian Rupees ten thousand only).

10. Indemnity

You agree to indemnify, defend, and hold harmless Rediff Pay, its affiliates, officers, directors, employees, agents, partners, contractors, and other associated third parties ("Indemnified Parties") against any claims, damages, liabilities, losses, costs, or expenses (including legal fees) arising from:

1. Your use of or access to the Rediff Pay App and Platforms.
2. Your violation of these Terms of Use.
3. Infringement of third-party rights, including intellectual property or privacy rights.
4. Engagement in prohibited activities as described in these Terms.
5. Non-compliance with applicable laws, including tax or cybersecurity regulations.
6. Any claims that your use of the Rediff Pay App caused harm to a third party.

11. Disputes and Arbitration

By using the Rediff Pay App, Platforms, and Services, you acknowledge that Rediff Pay is not a party to disputes between you and Commercial Partners, other users, or recipients of transferred funds. Although Rediff Pay is not obligated to mediate, it may assist in facilitating communication between disputing parties at its discretion.

All disputes related to Rediff Pay Services or these Terms of Use are governed by Indian law, except where Rediff Pay's decisions are final under these terms.

For disputes initiated by users:

• Contact Rediff Pay customer support via the App.
• If unresolved, escalate through the Grievance Redressal Form.
• If still unresolved within 60 days, the dispute may proceed to arbitration under the Arbitration and Conciliation Act, 1996.

For disputes initiated by Rediff Pay:

• Rediff Pay may directly initiate arbitration under the same Act.

Arbitration Details:

• A sole arbitrator, appointed by Rediff Pay, will conduct the proceedings.
• The arbitration venue will be Mumbai, Maharashtra, India.
• Proceedings will be conducted in English.

12. Confidentiality:

All arbitration-related materials—documents, correspondence, orders, and awards—will remain confidential and not disclosed to third parties without prior written consent, except when required for arbitration proceedings. In such cases, third parties must agree to confidentiality in writing.

13. Use and Protection of Intellectual Property Rights

The Rediff Pay App, Website, logos, and Services are protected under intellectual property laws, including copyrights, trademarks, patents, and trade secrets. You may not copy, reproduce, republish, upload, post, transmit, or distribute any content or materials from the Rediff Pay App without explicit written permission from Rediff Pay.

You are granted a limited license to use the Rediff Pay App and Platforms, provided you comply with these Terms of Use.

Ownership:

Rediff Pay, its affiliates, and its licensors exclusively own the software, source code, and all intellectual property rights associated with the Rediff Pay App, Platforms, and their content.

Content License:

By uploading, submitting, or transmitting content through the Rediff Pay App, you grant Rediff Pay and its affiliates a worldwide, perpetual license to:

• Use, store, reproduce, modify, create derivative works, publish, publicly display, perform, and distribute your content.

This license is granted for the operation, promotion, and improvement of Rediff Pay Services and the creation of new ones. The license remains valid even after you stop using the services.

14. Tax Liability

You agree to comply with all applicable tax laws regarding your use of Rediff Pay Services, including reporting and paying any taxes related to payments or income received through the Rediff Pay App. Rediff Pay may:

• Deduct tax at source from winnings, cashback, or balances.
• Request your Permanent Account Number (PAN) or other necessary documentation before processing cashback or winnings, as required by law.

15. Governing Law and Jurisdiction

All matters related to the Rediff Pay App, Services, transactions, and relationships are governed by Indian law.

• Subject to the Disputes & Arbitration Clause, all claims or disputes will fall under the exclusive jurisdiction of the courts in Mumbai,Maharashtra, India.

16. Assignment

• You may not transfer or assign any of your rights or obligations under these Terms of Use.
• Rediff Pay may assign or transfer its rights and obligations to:
  i. Another Rediff Pay Group Entity.
  ii. An acquirer of Rediff Pay or its affiliates, including equity interests, business, or assets.
  iii. A successor entity resulting from corporate actions such as mergers or demergers.
  

17. General

• These Terms of Use do not create a joint venture, partnership, employment, or agency relationship between you, Rediff Pay, or any third party.
• If any provision of these Terms is deemed illegal, invalid, or unenforceable, that provision will be removed. The remaining terms will remain valid and enforceable.
• Rediff Pay will replace any invalid or unenforceable provisions with a valid one that closely mirrors the original intent.
• These Terms of Use, along with any additional terms displayed within the Rediff Pay App or Website, constitute the complete agreement between you and Rediff Pay, superseding all prior agreements.

18. Updates to Terms of Use

• Rediff Pay reserves the right to update these Terms of Use at any time by posting a revised version on the Rediff Pay Website.
• The updated Terms take immediate effect upon posting.
• If you disagree with the updated Terms, you may stop using the Rediff Pay App. Continued use of the Services after the updates are posted will indicate your acceptance of the revised Terms.
• It is recommended to periodically review the Terms to stay informed about changes.

19. Contact Us

If you have any concerns, complaints, or grievances regarding these Terms of Use, other users, or how Rediff Pay handles your personal information, you can reach out to customer support through the Rediff Pay App or Rediff Pay's official social media channels.

If you have any concerns, complaints, or grievances regarding these Terms of Use, other users, or how Rediff Pay handles your personal information, you can reach out to customer support through the Rediff Pay App or Rediff Pay's official social media channels.

If your concerns are not resolved satisfactorily, you may contact the Grievance Redressal Officer:
Designation: Grievance Officer
Email id: grievanceofficer@rediff-inc.com