Terms & Conditions — PayRizq Fintech Pvt Ltd

Last Updated: February 2026

1. Introduction

Welcome to PayRizq Fintech Pvt Ltd. By accessing or using our services, you agree to be bound by these Terms & Conditions.

2. Services

PayRizq provides following services:

            •          AEPS (Aadhaar Enabled Payment System)

            •          DMT (Domestic Money Transfer)

            •          Mobile Recharge

            •          BBPS Bill Payments

            •          Aadhaar Pay

            •          Micro ATM Services

            •          UPI Services

            •          Payment Gateway Services

            •          White Label Solutions

            •          Retailer & Distributor Services

            •          Merchant Payment Solutions

3. User Eligibility

Users must:

               •             Be at least 18 years old

               •             Provide valid KYC documents

               •             Use services legally

4. Account Registration

User must provide:

               •             Valid Mobile Number

               •             Valid Email

               •             KYC Documents

               •             Bank Details (if required)

5. Transaction Rules

               •             All transactions are subject to bank approval

               •             PayRizq is not responsible for bank failures

               •             Failed transactions refunded as per partner policy

6. Prohibited Activities

Users must not:

               •             Perform fraudulent transactions

               •             Use fake documents

               •             Misuse platform

               •             Perform illegal activities

Violation may result in:

               •             Account suspension

               •             Termination

               •             Legal action

7. Charges & Fees

               •             Company may charge service fees

               •             Fees may change anytime

               •             Users will be informed

8. Limitation of Liability

PayRizq is not liable for:

               •             Network failure

               •             Bank failure

               •             API downtime

               •             Third party issues

9. Termination

PayRizq may suspend or terminate accounts:

               •             Fraud suspicion

               •             Policy violation

               •             Government instruction

10. Governing Law

These Terms governed by Indian law.

Jurisdiction: Maharashtra, India