A legally binding agreement enforced under the Information Technology Act, 2000 and Indian consumer protection frameworks. It governs your access to, installation of, navigation through and execution of transactional pipelines across our web domains, customer portals, mobile software, payment interface loops and developer APIs.
Every transaction is routed through multi-layered processing environments managed by licensed payment gateways, scheduled commercial banking systems and API aggregators. A payment request does not, by itself, represent service delivery.
Step 1
Immediate authorisation check
By invoking a checkout command you grant explicit, irrevocable authorisation to Anpay and its payment partners to process the payload, run card or UPI verification, run anti-fraud checks, check bank callback statuses, route eligible refunds, and maintain compliance records under RBI anti-money-laundering frameworks.
Step 2
Anti-fraud evaluation screening
Automated screening runs before the payload is released downstream.
Step 3
API verification checks
The integrated gateway and aggregator confirm they can accept and route the request.
Step 4
Operator connection checks
The destination operator or biller is reached and the instruction is passed on.
Step 5
Central biller callback validation
The biller or operator returns a valid reference code against the request.
Step 6
Final settlement confirmation
A transaction is classified as successfully cleared only when the gateway passes a verified success token, the funds clear our corporate ledgers, the dashboard displays a "Successful" state, and the destination biller or operator returns a valid reference code.
What is not proof of delivery
A local bank account debit notification, a push SMS alert, or a basic browser acknowledgement receipt alone does not constitute conclusive proof of successful service delivery. Any interface messages or loading indicators shown before final verification are indicative only.
What Anpay is, and is not
Two things to be clear about up front
1
An intermediary routing agent
Anpay is a secure technological routing tool and a pass-through transaction interface. We maintain direct integrations with independent providers — commercial banks, NPCI networks, utility billers and telecom circles — but do not control their internal system health or business rules. The platform is delivered on an "AS IS" and "AS AVAILABLE" basis, and we disclaim all express, implied or statutory warranties including merchantability, continuous availability, error-free execution, fitness for a particular purpose and non-infringement.
2
Your side of the contract
You hold absolute, non-transferable responsibility for the secrecy of your profile configuration — securing account passwords, shielding the transactional MPIN, and never sharing One-Time Passwords with any outside party or system script. You must check all billing values on the final checkout screen before initiating payment, and use the platform exclusively for lawful purposes. The company is not responsible for losses caused by user oversight or credential compromise through user negligence.
Words used here
Eight terms, defined
AccountA uniquely assigned, cryptographically secured customer ledger entry matching a verified mobile identifier.
Customer / UserAny individual, visitor, merchant or authorised representative utilising our digital transaction corridors.
PlatformThe collective digital infrastructure encompassing Anpay websites, mobile applications, merchant consoles and technical payment nodes.
TransactionAny digital command that initiates money movement, bill collection, recharge deployment, Anpay Coin adjustment or reward allocation.
Anpay CoinA proprietary loyalty token issued under promotional frameworks. Anpay Coins hold zero cash value, cannot be converted into liquid currency, and are non-transferable across accounts.
Payment PartnerIntegrated commercial clearing banks, settlement aggregators, payment gateways and central clearing APIs.
KYCKnow Your Customer verification protocols conducted in alignment with RBI anti-money-laundering frameworks.
Business DayAny calendar day on which our core operational desks are available, excluding public holidays.
Scope of application
Every channel, every product
These Terms apply universally to all consumers, visitors, registered users and integrated B2B merchants accessing Anpay via any officially supported medium — web domains, Android and iOS applications, customer dashboards, authorised merchant nodes and dedicated developer APIs. They automatically apply to all future features and software updates.
Prepaid and postpaid mobile
DTH subscriptions
Electricity
Municipal water
Broadband and landlines
LPG piped gas booking
FASTag wallet top-ups
Cross-bank credit card bills
Insurance premiums
Flights, hotels, buses
Brand e-gift cards
Anpay Coin
Policies incorporated by reference
Your use of Anpay is an absolute verification that you accept these Terms in full along with every linked compliance policy. Each forms an integral part of this contract.
You represent and warrant that you possess full legal capacity to enter a binding agreement under the Indian Contract Act, 1872. You guarantee that all profile datasets and billing information supplied are authentic, complete and updated, and you pledge to use our systems exclusively for lawful purposes — explicitly agreeing not to employ our payment routing for fraudulent, illegal or unauthorised cross-border actions.
Registration
CLAUSE 7
Access to premium payment features, Anpay Coin features and BBPS networks requires a formal authenticated account. During profile generation our databases record: full legal name, verified mobile number, email address, date of birth, language preferences, OTP verifications, secure MPIN configuration and required KYC details. You represent that all inputs are accurate and belong exclusively to you.
Account security
CLAUSE 8
Keep login passwords secure, protect your transactional MPIN, and never share OTPs with any outside individual or script. You are prohibited from routing transactions through another individual's account, creating accounts using synthetic profiles, or attempting to bypass platform security. Suspected takeover must be reported immediately to support@anpay.in to trigger automated account locks.
Code of conduct
CLAUSE 24
You agree to provide truthful account details, maintain sufficient bank balance before checkout, employ only authorised payment cards or UPI profiles, refrain from using automated scripts to scrape the platform, and report errors immediately through official support lines. Breaking this code results in account bans, asset blocks and legal liability enforcement.
Service rules
What you must verify, service by service
Anpay operates as a pass-through interface on each of these. The verification burden sits with the consumer before the payment command, not after.
Mobile recharge
CLAUSE 9
Before any debit command, verify the target mobile identifier, cellular operator, regional telecom circle, exact recharge amount, validity structure, dynamic benefits and network runtime data caps. Anpay disclaims all liability for losses arising from incorrect values entered by the consumer. Once confirmed and processed by the operator's registry, the entry is final, permanent and completely non-reversible.
DTH television
CLAUSE 10
Cross-verify the destination Subscriber Identification Code, operator name and package amount. Anpay accepts zero responsibility for funds routed to an incorrect Subscriber ID through typographical error. Once a receipt is generated by the DTH operating system, the value asset is delivered and the transaction is immediately final and legally non-reversible.
Postpaid bills
CLAUSE 11
Confirm the target phone number, billing circle and precise outstanding balance listed by the operator. Financial posting and ledger updates depend on the runtime processing queues of the destination telecom provider; Anpay is not accountable for continuing balances or billing display delays inside operator network management platforms.
Bharat Connect utilities
CLAUSE 12
Covers state electricity boards, municipal water, broadband and landline, LPG cylinder bookings, cross-bank credit card clearing, FASTag recharges, insurance premiums and municipal property taxes. You bear the entire legal burden for the veracity of the consumer number, account ID, biller designation and outstanding balance. If an incorrect identifier clears into the wrong biller ledger, Anpay has zero legal obligation to initiate recovery unless mandated by federal banking regulation or supported by the destination biller.
Credit card settlements
CLAUSE 13
Double-check the card number, issuing bank name and payment volume. Posting time to the credit card account is subject to variable banking window settlement protocols and third-party bank clearance timelines. Anpay limits its liability against systemic credit delays or late fee penalties arising from third-party banking delays.
Before you hit pay
CLAUSE 21
You hold full personal legal responsibility to review every payment string on the checkout review page before confirming — destination phone identifier, consumer bill numbers, plan value matches, card entries and outstanding totals. Anpay will not compensate for losses caused by user oversight or incorrect inputs at checkout.
Payments and settlement
Methods, failures and what happens next
Authorised payment methods
Subject to network health, geographic availability and payment partner clearings.
UPIUnified Payments Interface.
Debit and credit cardsAcross the major networks.
Net bankingSecure bank portals.
Digital walletsPre-authorised wallet balances.
Anpay CoinPromotional loyalty points, where allowed.
Availability may change without notice based on partner risk controls, technical load balancing, platform updates or operational mandates. Anpay may add, modify, replace or suspend any payment corridor without prior communication where technical errors, regulatory alignment or banking partner risk adjustments require it.
When a payment does not complete
Failures arise from bank rejections, gateway timeouts, API exceptions, data drops, insufficient balance or invalid input fields.
FailedWhere a permanent failure is verified after your account is debited, the transaction routes to our automated recovery pipeline under the Refund Policy.
Pending or in-flightWhere the payload leaves your bank but no clear status returns, the entry becomes "Pending". You are explicitly ordered not to trigger duplicate payments while an item is pending. We update the status once a definitive code returns from the clearing house.
DuplicatesReviewed under the Refund Policy. Recording duplicate entries does not create an automatic right to immediate reversal — each case is investigated against banking settlement timelines and operator clearing responses.
RefundsValidated refunds require formal verification of a permanent processing failure across our backend logs, and route automatically back to the original source payment instrument.
Transaction limits and AML controls
CLAUSE 20
Systematic transaction velocity controls and financial balance limits apply, calculated on your KYC verification tier, operational risk level and regulatory mandates — and subject to continuous updates without prior warning.
Chargebacks and duplicate debits
CLAUSES 87, 88
If you log a formal chargeback with your card issuer or UPI bank without contacting us first, Anpay may temporarily suspend the account, demand transaction proof, challenge the dispute with bank networks, and recover any promotional cashback or Anpay Coins linked to the item. Verified duplicate charges caused by system timeouts are reviewed and reversed through automated cleanup routines.
Settlement latencies
CLAUSES 83, 91
All settlements conform to standard business processing cycles across card networks, clearing banks and the Bharat Connect framework. Commercial banking grids run internal batch updates that delay clearing or refund credits. Anpay disclaims liability for delays caused by network reconcilements or system updates inside external financial institutions.
Third-party APIs and availability
CLAUSES 22, 23, 89, 90, 92
We rely on external APIs maintained by telecom operators, utility billers, banking hubs and travel carriers, and exercise reasonable care without controlling their runtime. Uninterrupted service cannot be guaranteed — operations may be affected by scheduled maintenance, emergency security patches, gateway downtime, banking network drops or force majeure. Temporary drops do not create corporate liability.
Travel services
Flights, hotels and buses — the carrier's rules apply
Anpay operates strictly as an intermediary marketplace facilitator. We do not own, lease or operate commercial aircraft fleets, and do not function as an air carrier.
Flight booking scope
CLAUSE 25
Aggregation through secure integrations with licensed global distribution systems, third-party travel network providers and consolidated aviation interfaces. All reservations, ticketing architectures, luggage routing and mid-flight provisions are governed by airline carrier rules, fare class conditions, airport safety regulations, government border directives and civil aviation authority guidelines.
Passenger metadata
CLAUSE 26
Before confirming, ensure the accuracy of: full legal name matching the exact spelling on valid government travel documents, date of birth, gender, contact identifiers, email address, departure and destination stations, travel date, flight number, operating airline and fare tiers. Inaccurate or misspelled traveller metrics can cause ticket invalidation, boarding denial or steep airline modification penalties.
When a booking is confirmed
CLAUSE 27
Not legally confirmed until the gateway passes a valid settlement success token, the airline's inventory clears the request, and a unique PNR or official ticket string is generated in our databases. Interface summaries shown before PNR generation are temporary data blocks and are not proof of seat allocation.
Flight cancellation and penalties
CLAUSE 28
Conforms entirely to airline fare class rules, carrier cancellation matrices, partner travel terms and local aviation laws. Penalties change dynamically with the operating airline, fare type and time remaining before departure. Anpay may apply standard technology convenience fees for processing cancellations where legally permitted.
Flight refunds
CLAUSE 29
Eligibility depends on airline fare parameters, payment status and cancellation windows. Processing timelines for airline-approved refunds are subject to banking settlement schedules, clearing gateway loops and international transaction pipelines. Anpay routes; it cannot guarantee exact settlement windows.
Rescheduling
CLAUSE 30
Where the carrier allows it, rescheduling goes through our support nodes. Modifications are subject to seat availability and require full clearance of extra charges: the airline's change fee, real-time fare class differences, additional airport taxes and technology service convenience fees.
Airport no-show
CLAUSE 31
If a passenger fails to clear security check-in within the carrier's time limits, the ticket becomes a "No-Show". Financial recovery, credit vouchers or partial tax returns are governed entirely by the carrier's rules; Anpay has no authority to override them.
Hotel bookings
CLAUSES 32, 33
Room inventories come through authorised hospitality aggregators. Pricing, room allocations, amenity listings, check-in requirements and seasonal promotions are controlled by the hotel. Anpay disclaims responsibility for availability discrepancies, onsite policies, guest service quality, municipal tourism taxes or staff conduct. Verify hotel name, check-in and check-out dates, lead guest name, guest count, room type, meal plan and total cost before checkout.
Hotel cancellation tiers
CLAUSES 34, 35
Rules are set by the individual hotel and vary by room class, seasonal demand and booking conditions. Bookings are Fully Refundable, Partially Refundable or Non-Refundable — check the cancellation rules on the checkout sheet before paying. Approved refunds process through standard banking clearings in line with partner supplier timelines.
Hotel check-in documents
CLAUSE 36
Guests must present a valid, unexpired government-issued identification document — passport, voter ID or driving licence — matching the lead guest name, alongside any required security deposits. Any standard permitted identification may be used; the company does not require or collect raw, unmasked forbidden numbers for standard hotel entry. Failure to satisfy the hotel's protocols results in denial of room access.
Bus bookings
CLAUSES 37, 38, 39, 40
Managed through regional transport operator integrations, with Anpay purely a technology facilitator. Routes, schedules, bus types, seat layouts and route variations are controlled by the operator. Verify passenger profiles, boarding points, dropping locations, dates and seat selections before paying. Cancellation charges depend on the operator's rules and time before departure; approved refunds route back to the source account across a few business days.
Operational changes by providers
CLAUSES 41, 42
Airlines, hotels and bus networks retain the unilateral right to delay services, cancel routes, adjust check-in times, change seat assignments or update rooms because of weather, safety reviews or scheduling shifts. We transmit updates promptly but cannot be held liable for changes executed by independent providers.
Traveller responsibilities and liability limits
By using our travel interfaces you agree to check all booking strings before paying, carry all required passports, visas and identification, and arrive at departure gates or check-in desks within the provider's time limits. Failure voids your travel eligibility, and Anpay will not compensate for issues arising from oversight or unfulfilled provider rules. To the maximum extent permitted by law, we disclaim liability for:
Flight delays and route cancellations
Weather disruptions
Hotel overbooking errors
Bus breakdown lags
Baggage handling losses
Transport strikes and force majeure events
All such operational concerns must be settled directly through the independent service provider's dispute channels.
Gift cards, coins and rewards
What a loyalty point is, legally
The Anpay Coin boundaries
Anpay Coins are promotional points rewarding consistent platform use. You explicitly acknowledge and accept the following:
They do not constitute legal tender or liquid currency within the Republic of India.
They do not represent electronic money, prepaid payment instruments or digital value stores under the Payment and Settlement Systems Act, 2007.
They do not represent interest-bearing bank deposits, financial investments or cash equity assets.
They possess zero independent cash value, cannot be withdrawn into cross-bank clearing architectures, and are non-transferable across accounts unless a specific feature under separate terms allows it.
Gift card intermediary scope
CLAUSE 45
Anpay facilitates procurement, routing and real-time delivery of gift cards and vouchers issued by independent third-party networks, merchant circles or licensed distributors — acting solely as a technological booking intermediary. Unless stated otherwise in writing, we are not the direct legal issuer, financial guarantor or commercial controller of these assets.
Delivery pipelines
CLAUSE 46
On successful payment authorisation, voucher parameters route through in-app delivery corridors, registered email, SMS dispatch or secure download vouchers. All delivery timelines shown at checkout are statistical estimates, subject to API latency or partner network delay.
Your responsibility on vouchers
CLAUSE 47
Before purchase, review the validity period, merchant redemption process, usage restrictions, geographical merchant limitations, partial balance carry-over rules and expiry dates. Once codes are routed, you assume full responsibility for protecting the asset against unauthorised exposure.
Non-refundability
CLAUSE 48
Unless required by Indian federal banking regulation or supported by the merchant circle, delivered gift cards are completely non-refundable, final and irreversible. They can never be exchanged, converted or rolled back into cash. Stolen, lost or accidentally leaked codes will not be replaced or compensated.
Promotional gift cards
CLAUSE 49
Complimentary vouchers under marketing campaigns carry distinct eligibility criteria, restricted redemption categories and shortened validity. Anpay may invalidate or withdraw promotional balances instantly where security layers identify transaction manipulation, duplicate accounts or bad-faith exploits.
Earning and spending coins
CLAUSES 51, 52
Earned through eligible activities — mobile top-ups, DTH renewals, postpaid clearings, BBPS settlements, marketing campaigns and authorised referral registrations. The company determines which transactions qualify. Where the interface allows, accrued coins may claim transactional discounts, promotional items or platform rewards; availability may change without notice.
Expiry and reversal
CLAUSES 53, 54
Coins carry a defined validity window; expired points are permanently cleared and cannot be restored unless a technical system error is verified. Anpay retains full authority to reverse, cancel or deduct coins without notice where a transaction is refunded, duplicate points were credited by error, or promotional terms are violated.
Cashback framework
CLAUSES 55, 56, 57
Promotional cashback is subject to campaign eligibility criteria, minimum transaction thresholds and maximum caps. Approved amounts may credit as Anpay Coins, promotional Coin adjustments or dedicated cashback tokens. Cashback is completely unavailable for transactions that are cancelled, refunded, duplicate entries, or found to violate platform rules, and distributions may be held or audited until risk systems verify legitimacy.
Campaigns, referrals and coupons
CLAUSES 58, 59, 60
Festival offers, lucky draws and discount campaigns are governed by their own published rules. Referral rewards require the verified registration and successful initial transaction of a new user; self-referrals, duplicate profiles and simulated account networks are strictly forbidden. Coupon codes carry service limits, minimum checkout values and single-use restrictions; expired or invalid codes cannot be applied.
Promotional abuse
CLAUSES 61, 62
Where security teams determine a user has created duplicate accounts to harvest referral bonuses, applied fraudulent payment modes, exploited technical code errors or systematically gamed promotional conditions, the company will reject the rewards, cancel the accounts and pursue legal enforcement. Anpay also reserves the unilateral right to introduce, update, suspend or discontinue any reward model, cashback tier, coin feature or referral programme at any time without prior liability.
Intellectual property
What is ours, and what you are licensed to do
All proprietary software layers, technological systems, trade arrangements and digital assets associated with the Anpay brand are and permanently remain the exclusive property of Anpay Ventures Private Limited or its licensed technology partners — the brand name, trademarks, logos, slogans, domain structures, Android and iOS binaries, merchant tools, developer API pathways, back-end source code, database schemas, object frameworks, UI/UX designs, custom icons, vector graphics, training documentation and underlying algorithms. Using our services transfers no ownership, technology title or equity interest to you.
Your limited licence
Subject to adherence to these Terms, security controls and payment obligations.
Limited and non-exclusiveNon-transferable, revocable and personal.
Install the official appsAnd use our transactional portals for lawful personal utility routing or pre-authorised business bill clearing.
No right to modifyThe licence does not grant any right to alter the software packages.
Official channels onlyDownload and update exclusively from the Google Play Store and Apple App Store. We disclaim all responsibility for apps on jailbroken iOS, rooted Android or custom ROMs, and for data exposure from side-loaded packages.
Prohibited system abuse
Clauses 102 and 103 explicitly prohibit all of the following.
Copying or mirroringCapturing or reproducing application structures or web interfaces.
Reverse engineeringDecompiling binaries or extracting underlying database source code.
Derivative toolsBuilding customised applications on our structural interface layouts.
Bypassing protectionsExploiting vulnerabilities or overloading cloud servers.
Scrapers and botsDeploying automated harvesting scripts or bot networks.
Unauthorised endpointsAccessing internal APIs or admin consoles without issued security tokens.
Copyright and trademarks
CLAUSES 99, 100
All written content, graphic interfaces, layout designs, PDF records and application assets are protected by the Copyright Act, 1957 and international treaties. Reproducing, copying, selling, modifying, scraping, distributing or commercially exploiting any content without written permission is prohibited. "Anpay", our logos and design signatures are protected trademarks — using them in meta-tags, creating confusingly similar products, removing copyright blocks or misrepresenting affiliation results in immediate suspension and legal enforcement.
API integration rules
CLAUSE 106
Where API access is granted to merchants, affiliates or partners, you must follow the official developer documentation and separate API agreements. Exceeding rate limits, attempting unauthorised calls, sharing credentials or launching denial-of-service attacks results in immediate revocation of access tokens.
Links and open source
CLAUSES 107, 108
Links to third-party portals do not imply endorsement or control of their content or privacy practices; you interact with them entirely at your own risk. Certain software modules contain open-source components governed by their own licences, which apply alongside these Terms.
Your content and feedback
CLAUSES 109, 110, 111
When submitting reviews, ratings or feedback you warrant that you hold the necessary rights, that it is accurate, and that it is not defamatory, abusive or misleading. We may moderate reviews and purge fraudulent content or spam. By submitting suggestions you grant Anpay an irrevocable, royalty-free, perpetual licence to use and integrate those ideas without compensation or obligation.
Monitoring and reserved rights
CLAUSES 112, 113
To safeguard platform integrity and comply with financial regulations, Anpay monitors website navigation, application performance, API calling trends, login telemetry and fraud indicators in alignment with our Corporate Privacy Policy. All rights not expressly granted are reserved; nothing here grants any implied licence or asset title.
Suspension and enforcement
When access is restricted, and why
Anpay reserves the absolute and unilateral right to immediately freeze, pause or suspend access to any account, transaction route, app feature or API service layer — applied without prior notification where immediate action is required to secure the financial architecture.
Grounds for suspension
CLAUSE 114
Exercised whenever reasonably necessary to defend customer data profiles, halt fraudulent processing loops, check network intrusions, comply with statutory regional directives, complete technical or internal risk audits, and protect gateway clearing nodes or other users from losses.
What can be restricted
CLAUSE 115
Full or partial, temporary or permanent limits may apply to: login portals, transactional capabilities, mobile and DTH recharges, Bharat Connect utilities, flight and hotel travel systems, gift card purchasing, promotional Anpay Coin uses, Anpay Coin settlements, referral distributions and developer API connectivity.
Permanent termination triggers
CLAUSE 116
Accounts are permanently terminated, deleted or locked where risk tools identify criminal fraud, identity manipulation, fake KYC uploads, forged bank records, repeated chargeback abuse, money laundering, cybercrimes, phishing campaigns, device hijacking or unauthorised platform entries. A permanent block also follows a court warrant or official data preservation directive.
Multiple accounts
CLAUSES 117, 118
Operating multiple accounts to exploit cashback, harvest referrals, bypass velocity limits or circumvent bans is prohibited. Where linked profiles are flagged, Anpay may merge entries, cancel promotional advantages, claw back erroneously credited coins and ban the user network. Artificial transactions, circular payments and coupon error misuse are subject to instant reversal.
Fraud investigations
CLAUSE 119
Triggered by suspicious transaction spikes, unusual login telemetry shifts, device mismatches, location anomalies, gateway exploits and KYC documentation issues. Reviews cover a deep audit of transaction logs, hardware indicators, IP mapping, database entry paths, KYC records and helpdesk chat interactions.
Holds and extra verification
CLAUSES 120, 121
While an investigation is active, temporary locks may apply to in-flight payouts. A precautionary hold does not automatically indicate wrongdoing. To clear it you may be asked for government identity documents, payment clearing statements, bank source letters, transaction receipts and unaltered system snapshots. Failure to supply them within a reasonable window results in transaction rejection and account termination.
Audit and regulatory cooperation
CLAUSES 122, 123
Continuous internal compliance audits confirm operations align with federal Indian financial rules. The company cooperates fully with government departments, data panels, commercial banks, payment gateway providers and cyber law enforcement — data logs and transaction files are shared during lawful investigations.
Record preservation
CLAUSES 124, 125
Secure encrypted logs are maintained of transaction profiles, login histories, device identifiers, IP records, KYC documents and dispute chats — kept for the maximum periods required under anti-money-laundering frameworks and internal storage protocols. Users agree to remain in complete compliance with applicable regional laws.
System intrusions
CLAUSES 126, 127
Never attempt to access another customer's profile, bypass authentication, exploit vulnerabilities, launch denial-of-service attacks or deploy malicious scripts. Intrusions trigger immediate account deletion and criminal referral. After review, the company may restore access, reject the disputed transactions, claw back rewards or declare a permanent ban.
No waiver, and what survives closure
Any failure or delay by Anpay in enforcing a clause does not represent a waiver of our enforcement rights. Contractual liabilities, indemnifications, limitations of liability, governing law clauses, dispute jurisdiction boundaries and record retention requirements explicitly survive account closure. The company retains all legal remedies under Indian law to protect its systems, personnel and commercial assets.
Accountability
Who this agreement is with
VD
Vaskar Das
Founder & Director
Signs the contract on behalf of the company.
"A contract that only protects one side is not a contract. This one says plainly where our liability ends and where it does not."
Anpay Ventures Private Limited stands dedicated to providing highly secure, transparent, reliable and customer-focused digital transaction services. We continually update our technical infrastructure, anti-fraud guardrails and compliance modules to deliver a safe and rewarding digital payment experience across the nation.
To the fullest extent permitted by law, Anpay, its directors, managers, technical employees, affiliates, technology licensors and banking partners shall never be liable for indirect, incidental, consequential, special, exemplary or punitive damages — covering financial losses, revenue gaps, lost business opportunities, goodwill degradation or data corruption arising from platform usage, even if advised of such disruptions. Where errors are fully attributable to our internal systems, our total combined liability is strictly limited to the exact transaction amount that caused the dispute.
Indemnification
CLAUSES 96, 97
You agree to completely indemnify and hold harmless Anpay, its directors, officers and affiliates against any legal claims, losses or expenses arising from your violation of these terms, account misuse or fraud. The company retains the absolute right to decline suspicious payments, delay processing for verification loops, reverse errant system entries, and cooperate fully with law enforcement and cyber-crime bureaus.
Electronic communications
CLAUSES 135, 136
By establishing a profile or transacting, you grant explicit consent to receive all operational alerts, transaction receipts, interest changes and contract updates electronically — through registered email, automated SMS, verified WhatsApp channels, push notifications or in-app alerts. Electronic delivery completely satisfies any legal requirement that communication be in writing.
Assignment
CLAUSE 137
You are prohibited from assigning or transferring your contract rights without our written consent. Anpay retains the absolute right to assign its contractual assets, merchant accounts and user ledgers to any acquiring or merged entity during corporate restructuring, venture capital investment or asset sale.
Severability and entire agreement
CLAUSES 138, 139
If any clause is declared invalid or unenforceable by a court, that provision is separated and the remainder continues in full force. These Terms, with all incorporated policies — Privacy, Refund, Cancellation and Grievance — represent the entire structural contract between you and the company.
Right to amend
CLAUSE 140
Anpay may modify, replace or re-engineer sections of these Terms at any time to stay aligned with changing national laws, banking guidelines, technology improvements or updated fintech features. Amendments become active immediately upon publication, and continued use implies complete acceptance of the updated terms.
Governing law and jurisdiction
CLAUSES 141, 142
These Terms are configured and interpreted in strict compliance with the federal laws of the Republic of India. Any unresolved dispute, legal disagreement or court action arising out of platform usage shall be filed exclusively before the competent courts at Dakshin Dinajpur, West Bengal, India, to the exclusion of all other regional judicial benches.
Force majeure
CLAUSE 143
Anpay is fully exempt from processing delays or transaction errors caused by events beyond reasonable control: natural disasters, flooding, earthquakes, fires, national pandemics, civic strikes, war, government blocks, country-wide internet drops, central banking grid timeouts, Bharat Connect network failures, payment gateway shutdowns, or cyber attacks targeting partner cloud infrastructure.
Complete acceptance
CLAUSES 145, 146
By installing our software, accessing our portals or routing payment instructions, you confirm that you have read, understood and agreed to be bound by these Terms. This master agreement incorporates by reference the Privacy Policy, Refund Policy, Cancellation Policy, Grievance Redressal Policy, Cookie Policy, KYC Policy, AML & Fraud Prevention Policy, Acceptable Use Policy and the specific Wallet, Travel and Merchant Partner Terms.
Corporate identity ledger
The legal entity you are contracting with
Recorded in accordance with corporate disclosure regulations under the Companies Act, 2013.
Statutory coordinates
Legal entityAnpay Ventures Private Limited
CINU63990WB2024PTC272006
GSTIN19ABBCA0218R1ZH
Registered office1st Floor, Narayanpur, Kumarganj, Balurghat, Dakshin Dinajpur, India
Effective date5 July 2026
JurisdictionCourts at Dakshin Dinajpur, West Bengal
If you do not accept a structural clause in this contract, you must halt use of our services and request account closure. If you would rather talk it through first, the desk is open.
