Terms & Conditions

These Terms & Conditions govern your access to and use of the Finvora Technology Private Limited website, available digital services, enquiry facilities and related features.

By accessing the website or using an applicable service, you acknowledge that you have read, understood and agreed to these Terms & Conditions, together with any additional terms that may apply to a specific service.

For the purpose of these Terms, the words “Finvora”, “Company”, “we”, “our” and “us” refer to Finvora Technology Private Limited, where applicable.

The words “user”, “customer”, “retailer”, “distributor”, “business partner” and “you” refer to the person or entity using the website or an applicable service.

Finvora Technology may provide or facilitate access to supported digital and business services. Depending on the applicable arrangement, such services may include:

• BBPS and supported bill payment services.
• Micro ATM and assisted banking-related service access.
• Credit card bill payment services.
• Digital payment solutions.
• POS and merchant payment-related services.
• Travel booking services.
• Holiday package-related services.
• Other digital, technology or business solutions that may be introduced from time to time.

Availability, functionality, eligibility and service coverage may vary depending on the applicable partner, provider, location, infrastructure and commercial arrangement.

Users must satisfy the applicable eligibility requirements for the particular service they wish to access.

Certain services may require identity verification, business information, registration, onboarding, approval or other documentation before access is enabled.

Finvora may refuse, restrict or discontinue access to a service where applicable requirements are not satisfied.

Users are responsible for providing accurate, complete and current information when submitting an enquiry, registering for a service or completing an applicable transaction.

Finvora is not responsible for issues caused by incorrect, incomplete, outdated or misleading information supplied by the user.

Where a service requires a login account, user ID, password, authentication credential or other access mechanism, users are responsible for keeping such credentials confidential and secure.

Users must not knowingly share credentials with unauthorised persons or permit misuse of an account.

Any suspected unauthorised access should be reported through the available official support channels.

Users agree to use the website and applicable services only for lawful and authorised purposes.

Users must not:

• Use the website or services for fraudulent, illegal or unauthorised activity.
• Attempt to gain unauthorised access to systems, accounts or infrastructure.
• Introduce malicious code, viruses or other harmful technology.
• Interfere with the normal operation or security of the website or services.
• Misrepresent identity, business information or transaction information.
• Use the services in a manner that violates applicable laws, regulations or third-party rights.
• Copy, scrape, reproduce or misuse proprietary website content without permission.

Before proceeding with an applicable payment, booking or service transaction, users are responsible for reviewing the transaction details and ensuring that the required information is correct.

Once a transaction has been successfully processed, cancellation or reversal may depend on the applicable service provider, network, biller, bank, merchant or travel provider rules.

Payment-related services may depend on banks, payment networks, service providers, billers, payment aggregators, acquiring entities or other independent infrastructure.

A payment request may be approved, declined, pending, failed or reversed depending on the status communicated by the applicable payment system or provider.

In some cases, a transaction may remain pending or fail due to technical issues, network interruptions, bank response delays, provider downtime or other circumstances.

Users should avoid making unnecessary duplicate payments while an earlier transaction remains unresolved.

Applicable reversals or refunds will be handled in accordance with the relevant service or provider process and Finvora's Refund Policy.

Bill payment services may depend on supported billers, payment networks and service providers.

Users are responsible for providing the correct consumer number, account details, biller information and payment amount where applicable.

Bill availability, confirmation and transaction status may depend on information received from the applicable biller or payment system.

Micro ATM or assisted banking-related services, where made available, may operate within the applicable banking, business correspondent, authentication and service-provider framework.

Service availability may depend on the applicable bank, authentication method, device, provider and technical infrastructure.

Users and authorised operators are responsible for following applicable operational, consent and authentication requirements.

Credit card bill payment services may depend on supported card issuers, banking systems, payment networks and service providers.

Users must verify the applicable card or account details and payment amount before submitting a payment request.

Posting time and final credit to the card account may depend on the issuer and applicable payment infrastructure.

POS-related services may be available only to eligible merchants and may be subject to onboarding, provider approval, device availability and applicable commercial terms.

Transaction processing, settlement, chargeback handling and merchant obligations may depend on the relevant acquiring bank, provider, network or contractual arrangement.

Travel booking services may involve airlines, bus operators, hotels, travel suppliers, aggregators or other independent providers.

Prices, availability, schedules, baggage rules, cancellation terms and booking conditions are determined by the applicable provider and may change without prior notice.

Users are responsible for verifying passenger names, dates, destinations and other booking information before final confirmation.

Holiday package availability, inclusions, exclusions, itinerary, accommodation, transport and cancellation conditions may depend on the specific package and travel provider.

Users should review the final package details and applicable cancellation conditions before confirming a booking.

Certain Finvora services may be provided, facilitated or supported through independent third-party providers.

Such providers may have their own terms, privacy policies, cancellation conditions, service standards and eligibility requirements.

Where applicable, users agree to comply with relevant third-party terms in addition to these Terms & Conditions.

Finvora aims to provide a reliable service experience. However, uninterrupted availability cannot be guaranteed.

Services may be affected by maintenance, system upgrades, internet failures, banking network interruptions, third-party outages, regulatory restrictions or other circumstances outside reasonable control.

Certain services may involve fees, charges, commissions or other commercial terms where applicable.

Applicable pricing may depend on the service, provider, transaction type or contractual arrangement and may be revised where necessary.

Taxes, statutory levies or other government-imposed charges may apply where required under applicable law.

The user or business partner remains responsible for applicable tax obligations relating to their own business activities.

Refund and cancellation eligibility depends on the nature and status of the transaction or service.

Detailed information regarding failed transactions, travel cancellations and other refund scenarios is provided in Finvora's Refund Policy.

Unless otherwise stated, the website content, branding, company name, design elements, written material, graphics and other proprietary content are owned by or appropriately licensed to Finvora Technology Private Limited.

Users may not reproduce, distribute, modify, republish or commercially exploit proprietary content without appropriate permission, except where permitted under applicable law.

Finvora aims to provide useful and reasonably accurate website information. However, service features, provider availability, charges and operational details may change over time.

Website content should not be treated as a guarantee that every listed feature or service will be available to every user at all times.

Users must not attempt to bypass security controls, interfere with system functionality or access information that they are not authorised to access.

Finvora may take appropriate action where suspicious, fraudulent or unauthorised activity is detected.

Access to a website feature, account or service may be restricted, suspended or terminated where reasonably necessary, including in cases of suspected fraud, misuse, security concerns, violation of these Terms or failure to meet applicable service requirements.

While reasonable efforts may be made to maintain service availability, Finvora does not guarantee that the website or every service will operate continuously, without delay or without interruption.

To the extent permitted under applicable law, Finvora will not be responsible for loss or delay resulting solely from circumstances outside its reasonable control.

Such circumstances may include third-party provider outages, banking network failures, telecommunications interruptions, incorrect information supplied by users, government restrictions or force majeure events.

To the extent permitted by applicable law, users may be responsible for losses, claims or liabilities arising from their unlawful use of the website or services, breach of these Terms or infringement of third-party rights.

Information submitted through the website or applicable services will be handled in accordance with Finvora's Privacy Policy and applicable requirements.

When you submit an enquiry, register for an applicable service or otherwise communicate electronically with Finvora, you acknowledge that related communications may be provided through available electronic channels where appropriate.

Finvora may add, modify, suspend or discontinue website features or service categories where reasonably necessary due to business, technical, provider or regulatory considerations.

Finvora Technology Private Limited may revise these Terms & Conditions from time to time to reflect changes in services, technology, business arrangements or applicable requirements.

Updated Terms may be published on this page with a revised update date.

Use of the website and applicable services is subject to the laws and regulatory requirements applicable to the relevant transaction, service and business arrangement.

Any specific jurisdiction or dispute resolution clause should be aligned with the company's final registered office, contracts and legal requirements before publication.

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions should continue to apply to the extent legally permitted.

For questions, concerns or enquiries relating to these Terms & Conditions, please contact Finvora Technology Private Limited through the official contact page.