Important Notice
In Terms & Conditions ko dhyan se padhein. Hamare platform ka use karna in terms se aapki agreement maana jaata hai. Last Updated: January 1, 2025
Section 1
Acceptance of Terms
NKTPe ki website aur services use karke aap in Terms & Conditions se agree karte hain. Agar aap in terms se agree nahi karte toh please hamare platform ka use band karein.
Ye terms sabhi users par apply hote hain — visitors, retailers, distributors, aur API partners. Hum in terms ko kabhi bhi update kar sakte hain; continued use = acceptance.
NKTPe following financial services provide karta hai:
• AEPS (Aadhaar Enabled Payment System) — NPCI certified
• Domestic Money Transfer — IMPS/NEFT based
• Mobile & DTH Recharge — all operators
• Bill Payment — BBPS certified platform
• Insurance — IRDAI authorized products
• Travel Booking — IRCTC authorized
• PAN Services — NSDL/UTIITSL partner
• QR Payment — UPI based solutions
• API Services — for developers & businesses
Sabhi services regulatory approvals ke under operate hoti hain.
Account creation aur maintenance ke liye:
Eligibility: 18+ years, Indian citizen/entity.
KYC: Valid Aadhaar, PAN mandatory for all accounts.
Account Security: Aapka password aur OTP strictly confidential rakhein. Sharing strictly prohibited.
Accuracy: Sabhi provided information accurate honi chahiye. Fake information = immediate account termination + legal action.
One Account: Ek person ke liye sirf ek account allowed hai.
Retailers ke liye additional terms:
Commission: Commission rates platform pe published hain aur without prior notice change ho sakte hain.
Transaction Limits: Daily aur per-transaction limits as per your plan apply hote hain.
Settlement: T+1 basis pe bank account mein settlement. Minimum withdrawal: ₹100.
Chargebacks: Fraudulent ya disputed transactions ke liye retailer responsible ho sakte hain.
Device Use: Provided devices sirf NKTPe services ke liye use hone chahiye.
Section 5
Prohibited Activities
Following activities strictly prohibited hain:
• Money laundering ya hawala transactions
• Fake ya forged documents provide karna
• Unauthorized third-party ke behalf mein transactions
• Platform hack karna ya vulnerabilities exploit karna
• Multiple accounts banana ya operate karna
• Competitors ko NKTPe data/technology share karna
• Abusive behavior with support staff
• AEPS/Micro ATM ka customer fraud ke liye use karna
Violation pe: immediate account termination + legal proceedings.
Section 6
Payments & Fees
Financial terms:
Service Charges: Transaction-wise charges applicable hain as per published rate card.
Failed Transactions: Failed transactions ka refund 24-72 hours mein wallet/bank account mein.
GST: Applicable taxes (GST 18%) services pe additional charge hote hain.
Disputes: Transaction disputes 7 days ke andar report karni chahiye.
Commission Deduction: TDS applicable commissions pe as per Income Tax Act.
Section 7
Limitation of Liability
NKTPe following ke liye liable nahi hai:
• Internet connectivity issues ke karan failed transactions
• Third-party bank system downtime
• Customer khud ke credentials share karne se hone wala fraud
• Force majeure events (natural disasters, government orders)
• Consequential ya indirect losses
Maximum liability: Amount of last successful transaction. Regulatory compliance losses hum handle karte hain.
Section 8
Account Termination
Account terminate ho sakta hai:
By NKTPe: In terms violation pe, suspicious activity pe, regulatory requirements pe, ya business reasons se — 30 days notice ke saath (except fraud cases mein immediate termination).
By User: Kabhi bhi written request bhej sakte hain. Pending settlements clear hone ke baad account close hoga.
Termination ke baad: Wallet balance refund hoga, pending commissions process honge, platform access revoke hoga.
Section 9
Dispute Resolution
Disputes ke liye:
Step 1 — Informal Resolution: Pehle customer support se contact karein: nkttechnicalgyan@gmail.com ya +91 7081831476
Step 2 — Formal Complaint: Written complaint within 30 days of incident.
Step 3 — Arbitration: Unresolved disputes ke liye Arbitration Act 1996 ke under arbitration.
Step 4 — Courts: Jurisdiction: Faizabad/Ayodhya, Uttar Pradesh courts only.
Ye Terms & Conditions Indian law ke under governed hain specifically:
• Information Technology Act, 2000
• Payment and Settlement Systems Act, 2007
• RBI Master Directions on Payment Aggregators
• NPCI guidelines for AEPS/UPI/IMPS
• Consumer Protection Act, 2019
• Income Tax Act, 1961