Terms & Conditions

1. Acceptance of Terms

By accessing and using PayMitro's services, including our mobile application, website, and any related services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you and PayMitro regarding your use of our services.

2. Description of Services

PayMitro provides the following services:

• Digital banking and payment services
• AEPS (Aadhaar Enabled Payment System) services
• Money transfer and remittance services
• Utility bill payment services
• Mobile and DTH recharge services
• Insurance and financial products
• Travel booking services
• E-governance services

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Have a valid Aadhaar number
• Have a valid bank account
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. Account Registration

When you register for an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account

5. Service Fees and Charges

Our services may be subject to fees and charges:

• Transaction fees as applicable
• Service charges for specific services
• Commission rates for agents
• Any government taxes or levies

All fees will be clearly communicated before the transaction is completed.

6. Transaction Limits

We may impose transaction limits for security and regulatory compliance:

• Daily transaction limits
• Monthly transaction limits
• Per-transaction limits
• Account balance limits

These limits may vary based on your account type and verification status.

7. Security and Fraud Prevention

We implement various security measures to protect your account:

• Multi-factor authentication
• Encryption of sensitive data
• Fraud detection systems
• Regular security audits

You are responsible for maintaining the security of your account and reporting any suspicious activity.

8. Prohibited Activities

You agree not to:

• Use our services for illegal purposes
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our services
• Provide false or misleading information
• Engage in money laundering or terrorist financing
• Violate any applicable laws or regulations

9. Intellectual Property

All content, features, and functionality of our services are owned by PayMitro and are protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content
• Reverse engineer our software
• Use our trademarks without permission
• Remove any copyright or proprietary notices

10. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

11. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Compatibility with all devices or browsers
• Accuracy of third-party information
• Availability of all services at all times

12. Limitation of Liability

To the maximum extent permitted by law, PayMitro shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party actions
• Damages beyond our reasonable control

13. Indemnification

You agree to indemnify and hold harmless PayMitro from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any fraudulent or illegal activities

14. Termination

We may terminate or suspend your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activities
• Non-payment of fees
• Regulatory requirements

You may also terminate your account at any time by contacting our support team.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Tripura, India.

16. Changes to Terms

We may update these Terms from time to time. We will notify you of any changes by:

• Posting the updated Terms on our website
• Sending you an email notification
• Updating the "Last updated" date

Your continued use of our services after any changes constitutes acceptance of the updated Terms.

17. Contact Information

If you have any questions about these Terms, please contact us: