Terms and Conditions
Last Updated - 01 Jan, 2026
These Terms & Conditions (“Terms”) govern your access to and use of the website, mobile applications, software, and services provided by Sahaj IT Innovations Private Limited (“Sahaj IT Innovations”, “Company”, “we”, “our”, “us”). By accessing or using our platform, you agree to be legally bound by these Terms.
If you do not agree with these Terms, you must not use our services.
1. INTRODUCTION
Sahaj IT Innovations provides a digital platform that enables users, retailers, distributors, and partners to perform financial and utility-related transactions including, but not limited to, AEPS services, bill payments, mobile/DTH recharges, domestic money transfers, insurance services, and other digital services.
The services are provided on an “as available” and “as is” basis, subject to availability of third-party banking, network, and service provider systems.
2. ELIGIBILITY
By using our services, you confirm that:
- You are at least 18 years of age
- You are legally competent to enter into contracts
- All information provided by you is true and accurate
We reserve the right to refuse service, suspend accounts, or terminate access if eligibility criteria are not met.
3. USER ACCOUNT & REGISTRATION
Users may be required to register and create an account. You agree to:
- Maintain confidentiality of login credentials
- Be responsible for all activities under your account
- Notify us immediately of unauthorized access
The Company is not liable for losses due to unauthorized account usage caused by user negligence.
4. SERVICES OFFERED
Sahaj IT Innovations facilitates digital transactions but does not operate as a bank. We act as an intermediary between users and financial/service institutions.
We do not guarantee uninterrupted, error-free, or timely services. Transaction completion depends on banks, telecom operators, billers, and other third-party systems.
5. USER CONDUCT
You agree not to:
- Use the platform for illegal or fraudulent purposes
- Attempt to hack, reverse engineer, or disrupt systems
- Submit false, misleading, or harmful information
- Violate any applicable laws or regulations
Violation may lead to account suspension, termination, and legal action.
6. TRANSACTION RESPONSIBILITY
Users are solely responsible for:
- Verifying beneficiary details before transactions
- Ensuring sufficient funds
- Providing accurate transaction information
Sahaj IT Innovations is not liable for incorrect transfers made due to user error.
7. COMMISSIONS & SETTLEMENTS
Retailers/distributors may earn commissions as per company policy. Commission structures may change without prior notice. Settlement timelines depend on partner banks and networks.
8. REFUNDS & REVERSALS
Refunds or reversals are subject to:
- Approval from partner banks or service providers
- Technical verification of failed transactions
Refund timelines vary and may take several working days.
9. INTELLECTUAL PROPERTY
All content, logos, trademarks, designs, and software on the platform are the property of Sahaj IT Innovations. Users may not copy, reproduce, or distribute content without written permission.
10. THIRD-PARTY LINKS & SERVICES
Our platform may include services or links from third parties. We are not responsible for their performance, accuracy, or privacy practices.
11. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Sahaj IT Innovations shall not be liable for:
- Transaction delays or failures caused by banks/operators
- Network or system downtime
- Indirect, incidental, or consequential damages
- Loss of profits, data, or goodwill
12. DATA PRIVACY
Use of the platform is also governed by our Privacy Policy.
13. SUSPENSION & TERMINATION
We may suspend or terminate accounts without prior notice if:
- Fraudulent activity is detected
- Laws or these Terms are violated
- Risk to platform security is identified
14. INDEMNIFICATION
You agree to indemnify and hold Sahaj IT Innovations harmless from any claims, losses, or damages arising from misuse of services or violation of these Terms.
15. FORCE MAJEURE
We are not responsible for service interruptions caused by events beyond our control including natural disasters, government actions, or technical failures of third parties.
16. GOVERNING LAW
These Terms are governed by the laws of India. Disputes shall be subject to the jurisdiction of courts where the company is registered.
17. CHANGES TO TERMS
We may update these Terms at any time. Continued use of services implies acceptance of revised Terms.
18. CONTACT INFORMATION
Sahaj IT Innovations Private Limited
Email: info@sahajitinnovation.com