User Agreement

📜 Agreement Overview

This User Agreement ("Agreement") is a legally binding contract between you (the "User") and Myd Money Bill Payment ("Platform Owner", "we", "us", or "our"). By creating an account or using our services, you agree to be bound by all terms and conditions set forth in this Agreement.

👤 Account Registration and Eligibility

Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate, current, and complete registration information
• Maintain and update your information to keep it accurate and current
• Be a resident of India with a valid Indian mobile number
• Comply with all applicable laws and regulations

Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized access or security breach
• Not sharing your account with any third party
• Logging out after each session, especially on shared devices

💼 Services Provided

Myd Money Bill Payment provides the following services through our Platform:

1. Bill Payment Services: Mobile recharge, DTH recharge, electricity bills, and other utility payments
2. Financial Services: AEPS (Aadhaar Enabled Payment System), DMT (Domestic Money Transfer), UPI services
3. Wallet Services: Load wallet, add money, and manage digital wallet balance
4. Transaction Management: View transaction history, download receipts, and track payment status
5. Customer Support: Assistance with queries, disputes, and technical issues

✅ User Obligations and Conduct

You Agree To:

• Provide truthful, accurate, and complete information
• Use services only for lawful purposes and in accordance with this Agreement
• Comply with all applicable laws, regulations, and guidelines
• Pay all applicable fees and charges for services used
• Maintain sufficient balance in your wallet or payment method
• Report any errors, discrepancies, or unauthorized transactions immediately
• Cooperate with us in resolving disputes or investigating suspicious activities

You Agree NOT To:

• Use the Platform for fraudulent, illegal, or unauthorized purposes
• Impersonate any person or entity
• Attempt to gain unauthorized access to our systems or other users' accounts
• Transmit viruses, malware, or other harmful code
• Engage in activities that could damage, disable, or impair the Platform
• Reverse engineer, decompile, or disassemble any part of the Platform
• Use automated systems or bots to access the Platform
• Violate the intellectual property rights of the Platform Owner or third parties

🔍 KYC and Verification

In compliance with regulatory requirements, we may require you to complete Know Your Customer (KYC) verification procedures.

Verification Process

• Submit valid government-issued identification documents
• Verify mobile number through OTP authentication
• Complete biometric verification when required
• Provide proof of address and other supporting documents
• Allow us to verify information with relevant authorities

💰 Fees, Charges, and Payments

Transaction Fees

You agree to pay all fees and charges associated with using our services, including but not limited to:

• Transaction processing fees
• Service charges for specific payment types
• Convenience fees where applicable
• Payment gateway charges
• Taxes and regulatory charges as required by law

Payment Terms

• All fees are displayed before transaction confirmation
• Charges are deducted from your wallet or payment method immediately
• Fee structures may change with prior notice
• Refunds are subject to our Refund Policy

📊 Transaction Limits and Restrictions

We may impose limits on transactions based on regulatory requirements, risk assessment, and account verification status:

• Daily Transaction Limits: Maximum amount that can be transacted per day
• Monthly Limits: Cumulative transaction cap per month
• Per-Transaction Limits: Maximum amount per single transaction
• Wallet Balance Limits: Maximum balance that can be maintained

⚖️ Disputes and Complaints

Reporting Issues

If you have a dispute, complaint, or issue:

1. Contact our customer support immediately
2. Provide transaction details, screenshots, and relevant documentation
3. Allow up to 7 business days for investigation
4. Cooperate with our investigation process
5. Accept our decision as final and binding

Resolution Process

• We will investigate all reported issues promptly
• You will be updated on the progress of your complaint
• Refunds will be processed as per our Refund Policy
• Disputes will be resolved in accordance with applicable laws

🛡️ Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability is limited to the amount of fees paid by you in the past 3 months
• We are not responsible for delays or failures caused by circumstances beyond our control
• We do not guarantee uninterrupted or error-free service
• You use the Platform at your own risk

©️ Intellectual Property Rights

All content, features, and functionality on the Platform, including but not limited to:

• Text, graphics, logos, icons, images
• Software, code, and algorithms
• Audio, video, and multimedia content
• Design, layout, and user interface
• Trademarks, service marks, and trade names

are owned by Myd Money Bill Payment and are protected by Indian and international copyright, trademark, patent, trade secret, and other intellectual property laws.

🔐 Data Privacy and Security

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable data protection laws.

We Implement:

• Industry-standard encryption protocols
• Secure data storage and transmission
• Regular security audits and updates
• Access controls and authentication measures
• Compliance with data protection regulations

⛔ Suspension and Termination

We May Suspend or Terminate Your Account If:

• You breach any terms of this Agreement
• You engage in fraudulent or illegal activities
• Your account poses a security risk
• You provide false or misleading information
• Required by law or regulatory authorities
• You fail to complete KYC verification when requested

Upon Termination:

• Your access to the Platform will be immediately revoked
• Pending transactions will be processed or refunded as appropriate
• Remaining wallet balance will be refunded after deducting applicable charges
• We may retain certain information as required by law

🔄 Modifications to Agreement

We reserve the right to modify this Agreement at any time. Changes will be effective immediately upon posting on the Platform. Your continued use of the Platform after changes constitutes acceptance of the modified Agreement.

🏛️ Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the courts in Chincholi and Karnataka.

📞 Questions and Support

If you have any questions about this User Agreement or need assistance, please contact us using the information provided below.