Important: Please read these terms carefully before using CesPay services. By accessing or using our services, you agree to be bound by these terms.
This document is an electronic record in terms of the Information Technology Act, 2000, amendments thereof from time to time, and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
Please read the terms and conditions carefully before registering, accessing, or using the CES Pay Services (defined below). The terms and conditions are a legal contract ("Agreement") between You and Chankya E Services Private Limited ("CES Pay") having its registered office at STPI, Plot No.T-25, Block D, Chikalthana MIDC, Chhatrapati Sambhaji Nagar (Maharashtra)-431007. You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not use the Services and/or immediately terminate the Services and/or uninstall the mobile application.
We may amend the terms and conditions at any time by posting an updated version at CES Pay website(s) and CES Pay App(s). The updated version of the Terms of Service shall take effect immediately upon posting. It is Your responsibility to review these Terms of Use periodically for updates/changes. Your continued use of CES Pay following the posting of changes will mean that You accept and agree to the revisions including additional Terms or removal of portions of these Terms, modifications, etc. As long as You comply with these Terms of Use, we grant You a personal, non-exclusive, non-transferable, limited privilege to enter and avail the Services.
Notice: USING CES Pay INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting these Terms of Use, you also accept and agree to be bound by CES Pay and CES Pay Entity Policies (including but not limited to Privacy Policy) available on the CES Pay website(s) and CES Pay App(s) as amended from time to time.
For the purposes of these Terms and Conditions, the following terms shall have the meanings ascribed to them below:
Additional definitions may be provided throughout this document as needed for clarity and interpretation of these Terms and Conditions.
By accessing CES Pay Service and CES Pay Platforms, You represent and warrant that:
Note: CES Pay and CES Pay Entities shall reserve the right to terminate your contract to use CES Pay Platform in case of any incorrect representation of the above-mentioned conditions.
The mandatory information and Officially Valid Document(s) "OVD"/document details mentioned by you are true & correct and belong to You.
CES Pay and CES Pay Entities provide services via CES Pay Platform. You further agree and acknowledge the terms of use of CES Pay Services provided on CES Pay Platform.
CES Pay Account is the account that you create when you sign-up/register with CES Pay.
This account allows you to:
You would need to register by providing additional information in order to make payment via Unified Payment Interface ("UPI") and Pre-Paid Instruments ("PPI") services to make payments to merchants using these modes of payments.
Access to PA enables you to browse through CES Pay Services provided by CES Pay Entities and in order to avail, enroll or use any such Service you may need to additionally register for such services by providing some more information as required under the Terms of Use of such products/services.
Allows you to share and maintain the Know Your Customer "KYC" details and information for underwriting purposes for other financial and non-financial products available on CES Pay App as Services illustrated below:
("PPI", "CES Pay Wallet") - Payment Instruments issued by CES Pay as per RBI directives.
("UPI" - Unified Payment Interface) - Enables payments through UPI ecosystem.
Enables You to solicit insurance as per Your needs.
("EW") - Enables use of other authorized Payment Instruments.
In order to avail CES Pay Services, you need a mobile, internet or any other supported device that meets the compatibility requirements of accessing CES Pay app and CES Pay website, which may change from time to time. CES Pay may further release updates to its application and You are required to update the CES Pay app as and when available for you, in order to continue availing CES Pay Services.
You understand that in order to provide CES Pay Services via the CES Pay Platform, CES Pay incurs various costs (including, but not limited to, cost with respect to operation and maintenance of infrastructure, facilitation of transaction(s)/payments via various modes), You thereby agree that CES Pay may charge You a fee(s) (such as platform fee, convenience fee) which will be displayed upfront to you and which shall be over and above the value/amount of the respective transaction/bill payment being made by You. CES Pay shall have the right to revise such fee(s), from time to time.
In order to use the full spectrum of CES Pay Services, You need to register on the CES Pay App and provide Us with accurate and complete information. You are also required to keep your accounts, KYC details, and contact information complete and updated at all times.
Once you sign-up on CES Pay, you are entitled to a Phone Account. You can also register with CES Pay from any third-party merchant platform subject to certain conditions and limitations available on the CES Pay website & application. Once registered with CES Pay, certain services may ask you for additional information in order to avail such service and may involve the creation of sub-accounts for availing such services.
The device on which You download the CES Pay App and use during registration shall become Your registered device, and device details shall be stored by us. The moment You log into your CES Pay account from a different device using the CES Pay app, You will be asked to allow CES Pay to send an SMS from the new device, after which the new device becomes the registered device. You will not be able to access your CES Pay account using your previous device until you re-login and re-authorize yourself on that device.
In the event Your phone number, using which You have registered on CES Pay, is transferred, surrendered, and/or deactivated for any reason whatsoever, it shall be Your responsibility to inform CES Pay in this regard. This will enable CES Pay to secure Your CES Pay account.
In case another individual/person intends to register using the phone number which has been transferred, surrendered, and/or deactivated, CES Pay would require time to remove/delink the details of the previous CES Pay account holder and thereby reset the account. This process may take up to two (2) years from the date of request.
In order to access CES Pay Services, you are required to provide information about yourself as part of the signup process, or as part of your ability to use services provided by Us. You agree that any information you provide will always be accurate, correct, and up to date.
Some services may require you to share additional information, which might include your personal information and personal sensitive information. You further agree that CES Pay or Chankya E Services Pvt Ltd (including its Group Companies/service providers/business partners), in relation to providing services to You, may collect/share Your Personal Information from/with third parties, including but not limited to vehicle-related information. Your information management shall be as per CES Pay Privacy Policy.
You shall promptly inform CES Pay of any unauthorized usage of your CES Pay Wallet or loss of mobile device and any other circumstances which may lead to unauthorized usage of your CES Pay Account. The responsibility of any transaction prior to intimation will solely be on the registered User.
You understand that while availing services offered by Merchants and your payment to merchants using any of CES Pay Services (Prepaid CES Pay Wallets, Unified Payment Interface, Payment Gateway), we are not a party to the contract between you and the Merchant and act only as an Intermediary (IT Act 2000). CES Pay does not endorse any advertiser or Merchant linked to its website or app. Furthermore, CES Pay is under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract, including (without limitation) warranties or guarantees.
Dispute Resolution: Any dispute with or complaint against any Merchant must be directly resolved by you with the Merchant. It is clarified that CES Pay shall not be responsible or liable for any deficiency in goods and/or services purchased using CES Pay Wallet balance. You are instructed to satisfy yourself regarding the quality, quantity, and fitness of any good and/or service before purchasing the same.
You agree that:
By registering and signing into CES Pay Account, We create an username and secure access credentials for You to access CES Pay services on CES Pay Platform and other participating platforms. For convenience, CES Pay creates Single Sign On Service (P-SSO), which helps you access CES Pay Services available on CES Pay Platform and other participating platforms.
You understand that P-SSO will be used to register and access CES Pay Services and the credentials you share as part of the registration process would be owned and managed by CES Pay and will be shared with CES Pay Entities upon Your request or simply by accessing any CES Pay Services provided by them.
P-SSO, with your authorization can be used to access or register on the switch interface with "Switch Merchants", However, your secure credentials would not be shared with any "Switch Merchants". You can use your P-SSO in order to access your CES Pay Account or pay using permissible CES Pay Services on participating platforms without logging into your CES Pay App.
You shall not share the P-SSO credentials with any third party website, portal, person over any communication medium and you understand that your CES Pay account can be misused due to unauthorized disclosure of P-SSO.
You hereby agree and acknowledge that in the event of non-compliance of the Terms of Use for usage and access to Single-Sign-On Services, CES Pay has the right to terminate Your access or access usage limits on CES Pay account and services without further notice.
CES Pay and CES Pay Entities, may provide third party services via CES Pay Platform. You understand that We do not own those services and you may need to accept their respective terms and conditions, and may require to share additional information in order to avail such products/services provided by third parties on CES Pay Platform.
Disclaimer: CES Pay does not hold any liability on the information collected from You by third party website or application and We cannot indemnify You for any third party actions.
You agree that any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link.
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