Welcome To AE ONLINE RECHARGE

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Refund Policy

Recharge Refund & Cancellation Policy This Refund Policy governs all recharge and bill payment transactions made on **[Company Name]**, including Mobile, DTH, Data Card, Electricity, Gas, Water, FASTag, and other BBPS services. 1. Recharge Cancellation * Once a recharge or bill payment request is submitted, *it cannot be cancelled* * Users must verify all details (mobile number, operator, circle, account ID) before confirming payment. # 2. Successful Transactions * Transactions marked as *SUCCESS* by our system or service provider are *not eligible for refund* * Any dispute after a successful recharge must be raised directly with the respective operator. # 3. Failed Transactions If a transaction fails and the amount is deducted: * The refund will be initiated automatically. * Refund timeline: *3–7 working days* (bank-dependent). * Refunds may be credited to: * Original payment source, or * User wallet, as applicable. # 4. Pending Transactions * Pending transactions are resolved automatically within *24 hours * If the status remains unresolved after 24 hours, the refund will be processed after confirmation from the service provider. # 5. Duplicate / Excess Payment * Duplicate recharges caused due to technical issues are eligible for refund after verification. * Processing time: *5–10 working days * Manual errors by the user (wrong number/account) are *not refundable* # 6. Wrong Recharge Details * Recharges made to an incorrect mobile number, DTH ID, or consumer number are *not refundable * Responsibility lies solely with the user to enter correct details. # 7. Operator & Third-Party Delays We are not responsible for recharge delays or failures caused by: * Telecom Operators * Utility Providers * Banks * Payment Gateways * NPCI / BBPS systems Refunds are subject to confirmation from the respective provider. # 8. Wallet Refund Policy * Wallet balance is *non-refundable and non-withdrawable*. * Wallet funds can only be used for services available on the platform. * Promotional or bonus wallet credits are *non-refundable* # 9. AEPS / Banking Transactions (If Applicable) * AEPS transactions once completed are *non-refundable* * Failed AEPS transactions will be auto-reversed within *T+1 to T+3 working days subject to bank confirmation. * [NPEY RECHARGE SERVICE ] is not liable for bank-side failures. # 10. Refund Mode Refunds are processed via: * Original payment method * Wallet credit * Bank reversal Refund method depends on transaction type and system availability. # 11. Fraud, Abuse & Violations * Any misuse, suspicious activity, or policy violation may lead to: * Refund rejection * Wallet freeze * Account suspension Decision of *[Company Name NPEY RECHARGE SERVICE]* shall be final. # 12. Customer Support To raise a refund request, contact support with: * Registered mobile number * Transaction ID * Date & amount * Screenshot (if applicable) *Support Hours:* Mon–Sat, 10 AM – 6 PM *Response Time:*24–48 working hours # 13. Policy Changes [Company Name NPEY RECHARGE SERVICE] reserves the right to update this Refund Policy at any time without prior notice. Changes will be effective immediately upon posting on the website/app.

Privacy Policy

Privacy Policy Effective Date: [DD/MM/YYYY] At ___, your privacy is our top priority. We are committed to protecting your personal and financial information while providing a seamless and secure recharge and bill payment experience. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our platform through our website, mobile app, and other associated services. --- 1. Information We Collect We collect the following types of information: a. Personal Information Full name Mobile number Email address Date of birth Government-issued ID numbers (e.g., Aadhaar, PAN) Address details b. Transaction & Financial Information Bank account or UPI ID (for payments and refunds) Recharge history, bill payments, wallet top-ups Transaction time, date, amount, and status Payment method used (Credit/Debit Card, UPI, Wallet) c. Device & Log Data IP address Device type and OS Browser type Geo-location data (if permitted) Time logs and usage patterns --- 2. How We Use Your Information Your information is used to: Process recharges, bill payments, and other service requests Authenticate and verify your identity Send transactional alerts via SMS, email, or WhatsApp Provide customer support and resolve disputes Improve our services, security, and user experience Prevent fraud, unauthorized access, or illegal activities Comply with legal obligations under applicable laws --- 3. Sharing of Information We do not sell your personal information. However, we may share your data with: Authorized partners and service providers for transaction processing Government/regulatory bodies if required by law or legal process Payment gateway providers, banks, or UPI systems for processing Internal departments for analytics and service improvements All third-party services we use are under confidentiality obligations. --- 4. Data Security We take your security seriously. Our platform uses: End-to-end encryption SSL secured connections Secure OTP-based verifications Regular server monitoring and penetration testing Access controls to ensure only authorized personnel access your data However, no digital system is 100% secure. While we take all reasonable steps, we cannot guarantee complete security. --- 5. Cookies and Tracking Technologies We may use cookies, web beacons, and similar technologies to: Store user preferences Track login sessions Understand usage behavior for optimization You can control or disable cookies through your browser settings. --- 6. Your Rights As a user, you have the right to: Access your personal data Request correction or deletion Withdraw consent (may affect service availability) Opt out of promotional communication You can contact our support team for any data-related request. --- 7. Retention of Data We retain your personal data for as long as necessary: To fulfill the purposes outlined in this policy As required by law (e.g., tax, regulatory obligations) To resolve disputes and enforce agreements --- 8. Third-Party Links Our platform may contain links to third-party sites or apps. We are not responsible for the privacy practices of those entities. Please read their policies before interacting with them. --- 9. Children’s Privacy Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors. --- 10. Changes to This Privacy Policy We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated date. Your continued use of our services after changes implies your acceptance. --- 11. Contact Us If you have any questions or concerns about this Privacy Policy, or wish to exercise your rights, please contact: Privacy Officer ___ (Your Company Name) Email: [your-support-email] Phone: [your helpline number] Address: [Company Address]

Terms And Conditions

Terms and Conditions Effective Date: [DD/MM/YYYY] These Terms and Conditions ("Agreement") govern your use of the services provided by ___ ("we", "us", "our"). By accessing or using our website, mobile application, or services, you agree to be bound by this Agreement. If you do not agree, please do not use our services. --- 1. Eligibility You must be at least 18 years of age to use our services. By registering an account with us, you confirm that you are legally eligible to enter into this agreement. --- 2. Account Responsibility You are responsible for maintaining the confidentiality of your login credentials. All activities under your account are considered your responsibility. You agree to notify us immediately of any unauthorized use or security breach. --- 3. Services Offered ___ provides the following digital services: Mobile recharges DTH recharges Utility bill payments UPI and wallet-based payments Other financial services (as updated from time to time) We reserve the right to modify or discontinue any service at any time without prior notice. --- 4. Transactions & Payments All payments must be made through authorized channels. Once a transaction is successfully completed, it cannot be reversed or canceled. In the event of a failed transaction, a refund will be initiated to the original payment method within 7 working days. --- 5. Wallet Usage Wallet balance is non-refundable and non-transferable. Misuse, fraud, or manipulation of wallet funds can result in account suspension or legal action. We may apply wallet usage limits as per regulatory or internal policy. --- 6. Refund Policy Refunds are processed under the following conditions: Recharge or bill payment failed but the amount was debited. Refund requests must be submitted within 72 hours of the failed transaction. Refunds, once approved, may take 5–7 business days to reflect in your account. --- 7. User Conduct You agree not to: Use our services for illegal, fraudulent, or unauthorized purposes Attempt to breach or compromise platform security Copy, distribute, or misuse our content, logos, or brand --- 8. Privacy We value your privacy. Please refer to our [Privacy Policy] for detailed information on how we collect, use, and protect your data. --- 9. Intellectual Property All content on our platform including software, design, logos, and trademarks are the exclusive property of ___. Unauthorized use, reproduction, or distribution is strictly prohibited. --- 10. Limitation of Liability ___ is not liable for: Indirect, incidental, or consequential losses arising from service use Errors or delays caused by third-party APIs, service providers, or telecom operators User-generated mistakes such as wrong number entries or incorrect payment details --- 11. Termination We reserve the right to suspend or terminate your account without prior notice if: You violate our terms We detect any suspicious or illegal activity There is any misuse of platform features or wallet system --- 12. Modifications We may revise these Terms and Conditions at any time. Updated versions will be posted on our website. Continued use of our services constitutes acceptance of the revised terms. --- 13. Governing Law These Terms shall be governed and interpreted in accordance with the laws of [Your State/Country]. Any disputes shall be subject to the jurisdiction of courts in [Your City]. --- 14. Contact Us If you have any questions about these Terms, please contact: Customer Support ___ (Your Company Name) Email: [your-support-email] Phone: [your-helpline-number] Address: [your company address]