Terms & Conditions

It is hereby clarified that the term "Users" shall mean any person using the Website i.e. consumers, financial institutions, data partners and other partners. Your use of this Website implies that you have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions"). These Terms & Conditions together with our privacy policy as provided on the Website ("Privacy Policy") govern your usage of the Website. If you disagree with any part of these terms and conditions, please do not use the Website

The Website provides access to an online platform ("Platform") bringing together consumers, financial institutions, data partners and other partners willing to abide by the Terms & Conditions herein.

The User of this Website unequivocally declares and agrees that the User is a natural and legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the services of the Website in accordance with the terms and conditions detailed hereinafter. In case, we choose not to charge any fee for the services provided in the Website, by registering on the Website, the User hereby undertakes to agree and abide by the Terms and Conditions detailed hereinafter. If the User violates any of these Terms & Conditions, or otherwise violate an agreement entered into through the medium of the Website, we may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Website and/or prohibit the User from using or accessing the Platform through the Website at any time in its sole discretion, with or without notice, including without limitation if it believes that you are under 18 years of age.

As a User of this Website, you have agreed to the Terms and Conditions that we have provided hereunder or anywhere else on this Website including but not limited to disclaimers on this Website. You are advised to read and understand the said Terms and Conditions and in case you do not wish to agree to these Terms and Conditions, please refrain from using the Website.

The Website is an online platform providing Users registered on the Website with access to database of the Users. The information is also shared with third party verification agencies, collection agencies etc. We are a service provider facilitating the access between a person willing to lend and a person in need of borrowing. The final decision as regards lending and borrowing is also subject to the choice of the respective Users in their respective capacities as lenders/borrowers/users of other financial products as set out in the Website. Further, we provide support to the Users in verifying the financial capabilities of Users.

We reserve the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time without any prior written notice to the User. It is the User’s responsibility to review these Terms and Conditions periodically for any updates/changes. User’s continued use of the Website following the posting of changes will mean that the User has accepted and agreed to the revisions.

If you wish to use the Website, you are required to maintain an account and will be required to furnish certain information and details, including your name, email id, contact number and any other information deemed necessary by us. You are responsible for maintaining the confidentiality and security of Your Account, password, activities that occur on or through Your Account and for restricting access to your computer to prevent unauthorized access to Your Account. You agree to accept responsibility for all activities that occur under Your Account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details you provide us with are true, correct, accurate and complete and inform us immediately of any changes to the information that you provided when registering. You can access and update most of the information you provided us with in the 'dashboard' area of the website after you log-in or by reaching out to us through our "Contact Us" Page. We reserve the right to refuse access to the website, terminate accounts, remove or edit content at any time without notice to you. The right to use this Website is personal to the User and is not transferable to any other person or entity. We shall not be responsible for any data lost while transmitting information on the internet. Further, it is to be noted that all the information provided shall be solely used for provided the services as set out herein.

The User also unequivocally agrees to provide true, accurate, current and complete information about as sought by the registration form of the Website. Upon Stashfin gaining knowledge of having any reasonable suspicion that the information provided by you is wrong, inaccurate or incorrect, we shall immediately terminate Your Account without any notice to you in this regard. You shall at all times abide by the Terms and Conditions stated herein and any breach of these conditions may also lead to Stashfin terminating Your Account and appropriate civil and criminal remedies will be sought against you as provided under the laws of India.

Your personal information as User of this Website shall not be shared by us to any unrelated third parties without your consent. However, in case any such information is required to be shared with a third party as directed and authorized by law or court order or any such authority legally allowed to ask for such information, we will be at liberty to share such information. Further, the Users also acknowledge that the document uploaded by the Users shall be used by us and other Users to verify, perform data analytics and other such activities on the uploaded documents and further, provide such information as may be necessary to the other Users for the facilitating the services being provided herein, For details please go through our Privacy Policy.

Stashfin grants you a limited license to access and make personal use of the Website, but not to download any material from it (other than page caching) or modify it, or any portion of it, except with express written consent of Stashfin and or its affiliates, as may be applicable. Any unauthorized access to the Website or any networks, servers or computer systems connected to Website and any attempt to modify, adapt, translate or reverse engineer any part of the Website or re-format or frame any portion of the pages of the Website, save to the extent expressly permitted by these Terms and Conditions, is not permitted. This license is non-transferable and does not permit any resale or commercial use of this website or its contents; any downloading or copying of account information for the benefit of anyone other than your use; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent of Stashfin and or its affiliates, as may be applicable. Any unauthorized use of the Website shall terminate the permission or revoke the license granted by Stashfin.

Stashfin has the right and liberty to monitor the content of the Website at all times which shall include information provided in Your Account. The monitoring of the Website is important to determine the veracity of the information provided by you and that every User remains in consonance with the Terms and Conditions provided herein. Subject to the Terms and Conditions mentioned herein Stashfin shall also have the liberty to remove any objectionable content which is in contravention of the Terms and Conditions herein or share such information with any governmental authority as per procedures laid down by the law for the time being in force in India.

By providing your contact number, you consent to receiving promotional calls, SMS, or other telephonic communications from Stashfin regarding our products, services, and offers. We respect DND/NCPR registrations as per TRAI guidelines and will not make promotional calls outside the hours of 10:00 AM – 7:00 PM (IST). Your contact details will be handled in accordance with our Privacy Policy.

We may wish to stop providing the services through the Website, and may terminate use of it at any time without giving notice of termination to you. Unless we inform the User otherwise, upon any termination, (a) the rights and licenses granted to the user in these terms will end; and (b) User must stop using the Website. Stashfin reserves the right to suspend or cease providing any service related to the Website and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so.

Not with standing anything to the contrary contained herein, neither Stashfin nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to you or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these terms and conditions. To the maximum extent permitted by law, you waive, release, discharge and hold harmless Stashfin, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Website.

As a User you also acknowledge that we have maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Platform. The information provided on the Website is based on the information that is provided to us. In case the User does not disclose any information to us, and the same is not found out at the first instance by us despite all measures adopted to certify the ratings or credibility of a User, we shall not be responsible for any claims or liabilities. We, in any event are not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. We shall to the best of our abilities aid the concerned User in terms of provision of information to initiate any legal proceedings. However, we shall not be responsible for any default on behalf of the User. We are an information platform and the User is entitled to conduct its own diligence before taking any steps to initiate the processes outlined in the Website.

Stashfin makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted. Consequently, we assume no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website. This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents content comprising these Terms and Conditions. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, malware, Trojan horses and other items of a destructive nature.

You agree to indemnify, save, and hold Stashfin, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to your use or misuse of the services or of the Website, any violation by you of these Terms and Conditions, or any breach of the representations, warranties, and covenants made by you herein or your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libelous, obscene, harassing or offensive material posted/transmitted by you on the Website. Stashfin reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, including rights to settle, and you agree to cooperate with our defense and settlement of these claims. We will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of these Terms and Conditions.

Stashfin accepts no responsibility for advertisements contained within the Website. We have no control over and accept no responsibility for the content of any website or mobile application to which a link from the Website exists. Such linked websites and mobile applications are provided "as is" for User’s convenience only with no warranty, express or implied, for the information provided within them. We do not provide any endorsement or recommendation of any third party website or mobile application to which the Website provides a link. Further, the Users consent and agree that the content provided in the Website shall be synced and shall be available in both mediums.

Stashfin will hereinafter be engaged in the provision of the following services:

• Provision of credit score, report and analysis: Your credit score along with the report and analysis will be available on the Website. Further, we will monitor and update these credit scores, reports and analysis on a periodic basis.
• Social Scoring: Provision of a social score based on User’s Facebook, Twitter, Linkedin or any other social media accounts that are linked with User’s account on the Website.
• The Company provides a Platform through the Website wherein the buyers can choose various Products of the sellers and purchase the same. The Company also provides other services as may be required from time to time, including the data analytics services etc.
• The Website displays a catalogue of financial products belonging to different Users which are being facilitated through the Website. You may browse through the products and provide us with your details. The representatives of the Company will contact You through phone on the phone number provided by You at the time as requested by the Website. Further, the Company reserves the right to provide you with further information about the products at such time as You may be willing to be contacted.
• By registering yourself at www.Stashfin.com you are authorizing us & our partnering Banks/NBFCs and Advertisers to give you a call/sms/e-mail to offer you their services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by the associated third parties. Irrespective of the fact that you have registered yourself under DND or DNC or NCPR service(s), you still authorize us to give you a call/sms/e-mail from Stashfin.com & partnering Banks/NBFCs and Advertisers for the above-mentioned purposes as long as Your Account is not deactivated by either you or us.
• By registering with Stashfin or beginning an application on the Stashfin website or mobile application for any product or service, you are consenting to be contacted by us through written notices, email messages, text messages, WhatsApp, Telegram or telephone, and, in connection with any such telephone calls, you consent to the use of pre-recorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your Stashfin account, including mobile telephone numbers we have for you in our records or from other public and nonpublic databases we may lawfully access. You hereby allow Stashfin to contact other individuals via your phone contact list and/or phone address book to provide updated employment, location, and contact information for you in case Stashfin is unable to reach you on your registered mobile number. You understand that anyone with access to your telephone or email account may listen to or read the messages Stashfin leaves or sends you, and you agree that Stashfin will have no liability for anyone accessing such messages. You expressly authorize Stashfin to monitor and record your calls with Stashfin. You agree that Stashfin may contact you using the information you provided with information and offers of services available through Stashfin website and mobile application.
• The Stashfin Website and/or Stashfin Mobile Application may contain services such as email, chat, text messages, automated IVR calls, calendars, and/or other messages. The User agrees and undertakes to use these communication services to post, send and receive messages and material that are proper and related to the particular communication.
• The user agrees and confirms that any benefits based on the Stashfin referral program(s) will be available only if the user or the individual(s) who have been referred by the user to Stashfin have paid their outstanding dues on or before the due date/EMI date and there are no defaults of any nature by the user or such a person who is referred. The user agrees and confirms that this clause shall prevail and override over other provisions of these terms or any other terms and conditions.

Your use of this Website and any Term and Conditions stated in this policy is subject to laws of India. In case of any disputes arising out of the use of the Website, Courts of Delhi will have exclusive jurisdiction.

Users have complete authority to file a complaint/share feedback if they are disappointed by services rendered by Stashfin. They can give their complaint/feedback in writing or by way of an email to legal.reply@stashfin.com

• If you are eligible for the Offer, then every time you transfer funds to yourself, you can repay the same amount at 0% interest rate before/on your Bill Date. We will be deducting up to 2.5% as transaction fees and applicable GST upfront on such transfer.
• The Offer is applicable only till your Bill Date. If you are not able to pay your Bill Amount on or before your Bill Date, then the amount that you have transferred to yourself will automatically get converted into EMIs and the tenure that you have selected before transferring the amount. While transferring the amount to yourself you will be able to see your Bill Amount and Bill Date along with the EMI Date and EMI Amount in your application.
• If the loan gets converted into EMIs then you will additionally be charged with the interest rate, Platform fees, upfront Interest (if applicable), credit shield fees (if you have selected) and GST.
• The Bill Date is 5 days before the EMI Due Date. The Bill Date is a fixed date, and the Offer will only be applicable till the Bill Date, irrespective of the number of days between the date on which the money was transferred to yourself and the Bill Date.
• The Bill Amount will not be auto-debited from your account. You will have to pay your Bill Amount on the Stashfin App before/ on your Bill Date.
• The Offer is only valid for select customers based on internal policies.
• By way of illustration, if you transfer funds of Rs. 10,000 on 1st January, your bill date is 25th January, the EMI date is 29th January (5 days after the Bill Date). Suppose the transaction fee is Rs. 250 (2.5%) and GST will be Rs. 36, hence the disbursal amount to you will be Rs. 9,714 and your Bill Amount will be Rs. 10,000. If you don’t pay your Bill Amount by your Bill Date then it will get converted into EMIs. You will then have to pay the interest rate, Platform fees, upfront Interest (if applicable), credit shield fees (if you have selected) and GST.

Disclaimer of Warranties

You expressly understand and agree that:

Your use of the service and all information, products and other content (including that of third parties) included in or accessible from the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Company and service provider expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Company and service provider make no warranty that:

1. The service will meet your requirements.
2. The service will be uninterrupted, timely, secure, or error-free.
3. The results that may be obtained from the use of the service will be accurate or reliable.
4. The quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations.
5. Any errors in the technology will be corrected.
6. And you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from a company or service provider through or from the service will create any warranty not expressly stated in these terms.

Limitation Of Liability

You agree that neither company nor service provider nor any of their affiliates, account providers or any of their affiliates will be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if company or service provider has been advised of the possibility of such damages, resulting from:

1. The use or the inability to use the service.
2. The cost of getting substitute goods and services.
3. Any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the service.
4. Unauthorized access to or alteration of your transmissions or data.
5. Statements or conduct of anyone on the service.
6. The use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages.
7. Any other matter relating to the service.

Indemnification

You agree to protect and fully compensate Company and Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms or your infringement, or infringement by any other user of Your Account, of any intellectual property or other right of anyone.

You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to these Terms and Conditions.

Documents policy

Stashfin does not return any customer documents including but not limited to IDs, Address proofs, bank statements and photographs. Stashfin may disclose the customer information documents to credit agencies bureaus, RBI or any other financial institution third party that may need the information as deemed necessary by Stashfin RBI or any other regulatory legal authority. In this regard, customer waives the privilege of privacy.

Refund Policy

Amount once paid shall not be refunded other than in the following circumstances:

1. TECHNICAL ISSUES
2. If the payment gets deducted from the payer’s account (on multiple occasions in an undue manner), and if it is undisputedly proved by the payee all the following,
   1. The amount is received in our account; and
   2. The amount paid is excess; and
   3. There is no setoff or entitlement on the payee (i.e., there is no outstanding towards payment obligations); and
   4. Due to technical issues.

1. OTHER ISSUES
2. Any refund due to other issues (if any arises) shall be only at our sole and absolute discretion.
3. GENERAL TERMS
   1. The General terms mentioned below will be applicable for all requests for refund for the reasons mentioned above shall be subject to the same. These general terms also deem to include our website terms and conditions, privacy policy, your user account terms and conditions (EULA), terms and conditions related to loans and other services availed using services in our platform and other disclaimers etc. The terms therein shall also be applicable for any refund request.
   2. Notwithstanding anything to the contrary,
      • Any refund to the payment shall also be subject to the production of proof by the payer that the service is not delivered after production of receipt proof of payment in our bank account.
      • The payer is also notified that only excess amounts after excluding payment gateway charges, taxes and payment towards the payer’s loans/ payment obligation would be considered for a refund.
      • No refund request will be entertained after 12 hours of the payment.
      • The payer shall be responsible for all payments irrespective of the refund request being investigated or disputed.
      • The payer acknowledges their obligation and responsibility towards timely payment to lenders on our platform or to the platform.
      • Any refund to the payer under these terms shall not discharge the payer from performing their payment obligations and other responsibilities towards payment to the lenders on our platform or to us.
   3. Subject to the satisfaction of the conditions mentioned in clauses 1, 2, 3.1 & 3.2 by the payer, we may consider a refund. In no other case, there shall be a refund. In an eligible case, the payer shall have to make an application in the prescribed format through https://www.stashfin.com/contact-us for a refund with all the following details:
      • Transaction number and date.
      • Original payment receipt generated at the time of making payments.
      • Relevant bank statements and payment-related documents.
      • Proof that there is no payment obligation outstanding from the payer or the account to which the payment is made.
   4. The payer is notified that if the documents are insufficient, the refund request may not be considered at all. We will not be required to provide any specific reasons for the rejection of the request.
   5. The application with the required details and document will be considered for further processing only if required documentation is made available by the customer/payer.
   6. After verification, if the claim is found valid and provided that the proofs are identified to be valid by us, the amount received in excess will be refunded as mentioned in these presents. Our decision with respect to the validity and reliability of the proofs based on which refund is sought will be final.
   7. After we decide to refund the amount mentioned above and after the same, if communicated by us to the payer, it will take 3-21 Business days for the money to be shown in the payers’ bank account, depending on the payer’s bank’s policy. We will not be responsible or liable due to delay, which may happen due to requirements with the banking channel.

Stashcash earning and redemption - Terms and Conditions

• Stashcash programme is a rewards programme where our customers can earn or redeem their rewards based on the below conditions.
• Stashcash can only be earned through referrals on the below conditions.

• User has to repay on time without any default to be eligible for Loan closure reward.
• User can get Loan closure reward incase of FCP Loan and Foreclosure as well.
• Both referrer and referee are eligible for the reward only when Referee opens a Line of Credit.
• Stashcash will not be given if the referee has taken a Credit Builder Loan.
• 1 Stashcash = 1 Re.
• Earning of Stashcash varies from customer to customer and the segment of customer is based on Stashfin’s sole discretion.
• Stashfin reserves the right to cancel, change or substitute the rewards, reward conditions or terms and conditions of the program at any time, without giving any intimation to the Card holder’s. Stashfin can suspend or terminate the program at any time it deems necessary, without any liability for the Stashcash.
• Stashfin will not liable for any delay or loss in delivery of the redemption vouchers or gifts.
• Redemption orders cannot be cancelled or varied once the request has been placed.
• Stashfin reserves the right to extend or terminate this program without prior notice.
• Stashfin reserves all rights to make changes.
• Changes shall be binding on the Customers.
• Stashfin shall not be liable for any changes in terms and conditions.

Stashcash redemption:

• Customers can redeem their Stashcash only when they have earned 5000 Stashcash. They can redeem in multiples of 5000.
• If a customer goes on DPD (after 3 DPD), he or she can’t redeem the accrued Stashcash.
• Redemption will only be against permitted vouchers.
• All earned Stashcash will expire on the 365th day of earning.
• Click here to know more about the Terms and Conditions of Amazon

UPI Terms & Conditions:

The Unified Payments Interface (“UPI”) is a payment platform built by the National Payments Corporation of India that, among other things, allows instant online payments between the Bank Accounts/Payment Accounts (defined below) of any two parties. UPI offers architecture and a set of standard API specifications to facilitate these online payments. It aims to simplify and provide a single interface across all NPCI systems besides creating interoperability and superior customer experience.

These terms and conditions of use of EQX Analytics Private Ltd UPI (“UPI ToU”) regulate the payments under UPI, a payment service platform developed by NPCI, which is an authorised payment system operator under the Payment and Settlement Systems Act, 2007, and operates the UPI payment system in accordance with applicable laws and RBI directions. The EQX Analytics Private Limited Application (“Stashfin App”) is an application software, which connects to UPI, is being offered by EQX Analytics Private Limited (“Stashfin/EQX / We/ Us/Our”) a company incorporated under the Companies Act, 2013 with its registered office at 60, Second Floor/Third Floor, Arjun Nagar, Kotla Mubarakpur, New Delhi - 110003, through notified Payment Service Providers/PSP/ PSP Banks (defined below). The UPI services are being offered under the brand “Stashfin”

EQX is a TPAP (defined below) authorized by NPCI to facilitate payments through sponsor PSP Bank namely Unity Small Finance Bank Ltd. EQX Analytics Ltd is a service provider in the UPI payment ecosystem, and We participate in UPI through the PSP Banks.

In case of any conflict between the Terms or this UPI ToU, this UPI ToU shall prevail to the extent of such conflict solely in relation to UPI services. We may amend the UPI ToU at any time by posting an updated version on Stashfin’s website(s) and/or Stashfin App(s). The updated version of these UPI ToU shall take effect immediately upon posting. It is Your responsibility to review these UPI ToU for using the Stashfin UPI services, and periodically, for updates / changes. “You”, “Yours”, “Yourself”, “End User”, “Customer”, “User” shall mean the individual who uses Stashfin UPI through the EQX App to send and receive payments.

“Applicable Law” shall mean all applicable laws, rules, regulations, guidelines, statutory or government notifications including, guidelines framed by NPCI, Reserve Bank of India (“RBI”) or any other regulator, as amended from time to time, that is applicable to payment system participants for the provision of UPI services as well as the applicable rules and regulations issued by payment system participants.

“Bank Account / Payment Account” shall mean any bank account or any other payment instruments offered by a regulated entity where money can be held, and/or debited from or credited to. These accounts are fundamental to executing transactions using Stashfin UPI.

“Biometric Credentials” shall mean unique physical traits like Your fingerprints or facial features which can be used to verify Your identity for authorizing a payment done using Stashfin UPI through the Stashfin App. These Biometric Credentials are the credentials stored by You on Your device.

“Issuer(s)” shall mean banks, non-banking financial companies and other financial institutions, regulated by the RBI, that issue, offer, enable or maintain the User’s Bank Account or Payment Account used for availing Stashfin UPI.

“NPCI” shall mean the National Payments Corporation of India, which is an RBI authorized payment system operator. NPCI owns and operates the UPI payment system and operates UPI in accordance with applicable laws and RBI directions.

“Payment Service Provider/ PSP/ PSP Bank” shall mean a banking company authorized to act as a Payment Service Provider under the UPI framework. PSP engages TPAPs to provide UPI services to the End Users.

“Stashfin Account” shall mean the account that You create when You sign-up/register with Stashfin. This account allows You to access Stashfin Platform (defined below), browse through the Stashfin Services (defined below), make payment using Stashfin UPI and access other features enabled by Us on Stashfin App.

“Stashfin App” shall mean the mobile application(s) hosted by Stashfin/ Stashfin Entities for providing Stashfin Services to its Users, including merchants and service providers.

“Stashfin Platform” refers to any platform, owned/subscribed/used by EQX Analytics Ltd Limited (Formerly known as EQX Analytics Ltd Private Limited) or any other EQX Analytics Ltd Entities, including but not limited to websites, mobile applications, devices, URLs/links, notifications, chatbot, or any other communication medium, used to provide the EQX Analytics Ltd Services to its Users.

“Stashfin Services” shall include all services extended / to be extended by Stashfin/ Stashfin Entities.

“TPAP” shall mean a Third-Party Application Provider, which is an entity that provides the UPI compliant app(s) to the End Users to facilitate UPI based payment transactions.

“UPI PIN” shall mean Personal Identification Number which a User sets up as authorization credentials, to authorise the Issuer for debiting the User’s Bank Account. It will be 4-6 digit numeric PIN only.

“UPI Number” shall mean an 8–10-digit number, without any UPI handle (@PSP), which can be chosen by You, which will act as a proxy to Your VPA (defined below). By default, Your 10-digit mobile number can be configured as Your UPI Number by EQX Analytics Ltd, or any other 8–9-digit number chosen by You.

“VPA” shall mean a unique Virtual Payment Account, registered with NPCI that can be linked with Your Bank Account.

Stashfin UPI is offered via the Stashfin App to its registered Users having a Stashfin Account. You need to have Your own Bank Account/Payment Account linked with Your active mobile number in order to register and access Stashfin UPI.

The registration process is a standard process which is defined and governed by NPCI under UPI guidelines and may change from time to time. Stashfin in the capacity of a TPAP is responsible for implementing the process as notified by NPCI from time to time. You understand that the registration process may include access to Your mobile network and sending a unique SMS using Your phone to verify, validate, register and link Your Bank Account on UPI and to create a VPA.

Stashfin does not store the Bank Account/Payment Account number linked to Your VPA, unless otherwise permitted under Applicable Laws. Further, VPA can be used to:

• Pay at merchant locations using QR code through Your Stashfin App.
• Pay online on merchant websites/Apps.
• Make payments for use of Stashfin Services.

The details provided by You as part of the UPI registration process, which includes Your name, mobile number and banking information, will be shared and maintained at PSP Bank’s and NPCI’s secure library, and You consent to such information sharing, and authorize Stashfin, PSP Banks and NPCI to store, use and maintain this data as permitted under Applicable Laws.

Multiple Bank Account(s): As a registered User of Stashfin App, You will have an option to link multiple Bank Account(s)/ Payment Account(s) on the Stashfin App. You can link a single Bank Account with your VPA. You also have the option to identify and change your default Bank Account, in which inward funds can be received.

While You register with, use and/or transact using Stashfin UPI, You are required to ensure compliance with the following:

• You are solely responsible for linking Your correct Bank Account/Payment Account.
• Since Your mobile number is treated as the primary identifier, Your mobile number needs to be updated with the Bank Account/Payment Account linked to the Stashfin App in case of any changes.
• If You change the mobile number registered with Your Stashfin Account, You will have to re-register Your new mobile number with Stashfin. To re-enable the Service, You need to register Your new mobile number with Your Issuer as well.
• You are solely responsible to keep Your OTP, UPI PIN and Bank Account/Payment Account related details confidential. Sharing such information with others may lead to unauthorized usage, for which Stashfin shall not be responsible.
• You shall take full responsibility of the Bank Account/Payment Account and other details provided on the Stashfin App, as well as any payment request that You make and/or authorize via Stashfin UPI and any use of Stashfin App, including addition of beneficiary, typing and reviewing VPAs and validating intended recipients, and We do not verify the correctness of information that You enter on the Stashfin App.
• You agree that if You provide any information that is untrue, inaccurate, not current or incomplete, or if We have reasonable grounds to suspect that any information is untrue, inaccurate, not current or incomplete, or not in accordance with this UPI ToU or the Terms, We shall have the right to indefinitely suspend or terminate or block access to Your Stashfin Account, or use of Stashfin App or Stashfin Services or Stashfin UPI, or take such other action as necessary.
• We shall ensure that all confidential data pertaining to Your transactions, Bank Account/Payment Account details, and all other sensitive personal information available with us, are protected and kept confidential by employing reasonable security practices and procedures as prescribed under Applicable Law. In addition to this UPI ToU, all data/ information shared by you will also be governed as per Our https://www.stashfin.com/privacy-policies
• You agree that Stashfin, PSP Bank or any other system participants in UPI payment system shall not be liable for any delay in the completion of the funds transfer/ UPI transaction, arising from network failures, banking system downtime, force majeure events, regulatory restrictions, or errors attributable to You.
• You are required to ensure availability of sufficient funds in Your Bank Account/Payment Account (s) in order to avoid transaction declines and charges (if any, as may be levied by the Issuer).
• You agree and understand that Stashfin will onboard You on the NPCI operated centralised mapper(s) as required by the NPCI, and as governed by circulars issued by NPCI including its circular on ‘Numeric UPI ID Mapper’, to enable You to receive funds using a defined UPI Number. You agree and consent that Your onboarding on the NPCI operated centralised mapper(s) will be done by Stashfin on Your behalf, with Your explicit consent on the Stashfin App, within the defined and permitted structure of NPCI. This process shall be as per directives of NPCI, which shall include sharing Your UPI details (collected and maintained by Stashfin to provide UPI related services) with NPCI and linking of Your primary Bank Account / VPA assigned on the Stashfin App to Your UPI Number. This would enable You to accept payments against Your UPI Number. Stashfin will provide You an option to de-link the mapping of Your UPI Number processed on Stashfin App. You further agree to receive funds from other UPI users and consent that Stashfin will facilitate such fund transfer transactions to Your linked primary Bank Account through its partner PSP Banks.
• For certain Customers, in case Your UPI Number is linked/stored on the NPCI operated centralised mapper with a VPA issued by a bank/third party application provider other than Stashfin (“Third Party VPA”), then, Stashfin will settle funds to the Bank Account linked with such Third Party VPA. Accordingly, if a fund transfer was made to Your UPI Number, which is linked to a Third Party VPA, the amount will be settled to the Bank Account linked with a Third Party VPA.
• You further agree and understand that You will be able to port Your UPI Number from a Third Party VPA, to a VPA assigned on the Stashfin App, and have the same changed on the NPCI central mapper, by providing Your explicit consent for the same at any time, on the Stashfin App.
• You agree and understand that NPCI may implement limits on Your usage of UPI for non financial purposes like Balance Enquiry, etc. You hereby agree to be compliant by the such limits implemented by NPCI.
• Customer shall be solely responsible for ensuring full compliance with all applicable laws, circulars, directions and guidelines issued by the Reserve Bank of India (RBI), National Payments Corporation of India (NPCI), and any other regulator, as applicable to its business, operations, merchants and customers. Any non-compliance attributable to Customer shall be solely at Customer’s risk, cost and liability. EQX shall not be responsible for monitoring or ensuring Customer’s regulatory compliance.
• Subject to Applicable Laws, all transactions processed through Stashfin UPI are non-refundable to the You by Stashfin and are non-reversible by You through Stashfin UPI.

Stashfin UPI can be used for person-to-person money transfers or to purchase products and services from offline or online merchants. Your UPI PIN needs to be entered on Your mobile/ device to authorize payments using Stashfin UPI, unless otherwise allowed by Stashfin. You need to ensure that You are connected to the internet at the time of making any transaction, unless otherwise enabled. However, this facility may not be extended by Stashfin for all transactions.

While making payments for Stashfin Services on the Stashfin Platform, You may make payments using Stashfin UPI.

Where Stashfin UPI is one of the payment options available to You for merchant payments, We assume no responsibility for the products / services purchased using Stashfin UPI, and Stashfin shall not be liable for any deficiency, defect, delay, non-delivery or illegality relating to such products/services.

UPI transactions are subject to transaction limits that may be set by Stashfin, User, Issuer, the payment participants, or as may be by NPCI, RBI, PSP Bank, Issuer or Applicable Law from time to time. Further, Stashfin, Issuer, PSP Bank or other payment participants may also reject/suspend transactions (in whole or in part) based on their respective policies and assessment.

We will endeavour to make Your transaction details available within the Stashfin App – “History” section. You are required to review all transactions, and in case You identify any error or unauthorised transaction, You are required to notify this immediately to Stashfin customer support by selecting the respective transaction from the “History” section, or as per the grievance redressal mechanism detailed in Stashfin’s Grievance Policy. Please note that Your transactions will be recorded with Your Issuer basis the Bank Account/ Payments Account being used by You, and You are required to reach out to Your Issuer for any information/ records/ statements You may require in relation to UPI transactions undertaken by You via such Bank Account/ Payments Account.

We may, subject to Applicable Laws, including guidelines issued by the RBI and/or NPCI from time to time, enable You to avail ‘UPI Lite’ on the Stashfin App. UPI Lite is an ‘on-device wallet’ for small value transactions, enabled by NPCI. All Issuers may not enable/support UPI Lite. You will be able to enable only one Bank Account that is linked on Your Stashfin App for UPI Lite (hereinafter referred to as “UPI Lite Facility”). You agree and understand that in order to avail and/or continue using the UPI Lite Facility, You will have to allow Stashfin to enable the application lock facility on Your Stashfin App. Accordingly, if disabled, You are required to immediately modify Your phone settings, to enable Stashfin to lock Your Stashfin App, in order to use or continue using the UPI Lite Facility. Once enabled, the Stashfin App can thereafter be unlocked by You, using any of the enabled modes including face id, biometrics, or by the passcode created by You for securing the Stashfin App etc.

In order to enable the UPI Lite Facility, You will be required to click/tap on the specific section on the Stashfin App and add funds into the UPI Lite Facility. By clicking/tapping on the specific section on the Stashfin App, You provide Your consent to enable the UPI Lite Facility. The funds can be added only via Your Bank Account linked to UPI Lite on the Stashfin App using Your UPI PIN. You will be able to track the status of each transaction via UPI Lite Facility on the Stashfin App. You may at any time withdraw the unused balance from Your UPI Lite, back to Your source Bank Account linked to UPI Lite on the Stashfin App. Any amount added to the UPI Lite will be non-interest bearing. The UPI Lite Facility can solely be used for debit transactions. All credits transactions to UPI Lite (including refunds, etc.) will be processed online in the User’s Bank Account. To make payments via UPI Lite Facility, You will not be required to enter a UPI PIN. However, there would be limits that would be applicable with respect to the transactions via UPI Lite Facility. The applicable transaction limits will be as follows, or such other limits as maybe determined by NPCI from time to time:

• Every transaction using UPI Lite Facility will be limited to a maximum of INR 1,000/-.
• The cumulative value of all transactions using UPI Lite Facility in a day will be limited to a maximum of INR 10,000/-.
• The maximum balance that can be held in UPI Lite at any point in time will be limited to INR 5,000/-.
• The above stated transaction limits may be modified, in accordance with NPCI/RBI directions, and such revised limits shall automatically apply.

You will have the right to disable the UPI Lite Facility, at any time, by following the steps/procedure prescribed on the Stashfin App. Once the UPI Lite Facility is disabled, the balance funds will be credited automatically into Your linked Bank Account.

Before changing Your mobile device from one operating system to another (i.e from android to iOS or vice versa), You must disable UPI Lite Facility from such mobile device as per the steps prescribed on the Stashfin App. This step is not required if You are changing your mobile device to the same operating system as Your earlier device. In case You fail to disable UPI Lite Facility from Your old mobile device, You may not be able to use Your UPI Lite Facility balance in Your new mobile device and You will have to reach out to Your Issuer for moving Your UPI Lite Facility available balance to Your linked Bank Account. Stashfin shall not be liable in this regard.

If Your Issuer has sanctioned/extended a credit line to You (“Credit Line”), We may enable You to link such Credit Line to Stashfin UPI in accordance with these terms. With respect to the linking of the Credit Line to Stashfin UPI, You will be required to complete certain steps as required on the Stashfin App. On successful linkage of Your Credit Line to Stashfin UPI, You would be able to make payment(s) to select merchant(s) that accept payments via Credit Line. Please note that You will only be able to link such Credit Line to Your Stashfin UPI which is associated with Your mobile number linked to Your Stashfin Account.

In the relevant section on the Stashfin App, You will be able to view the list of Issuers that are enabled by Stashfin for this facility. Once You select the Issuer that has sanctioned the Credit Line to You, Stashfin will fetch the details of Your Credit Line. For this purpose, You agree that Your mobile network may send an SMS using Your phone to verify the details in relation to Your Credit Line, and standard SMS charges may apply. On completion of the required steps, a unique VPA in relation to such Credit Line will be generated and such Credit Line would be linked to Your Stashfin App. You will have an option of adding multiple such Credit Line(s) which are sanctioned by Your Issuer, to Stashfin UPI on Stashfin App in the abovementioned manner.

Post creation of a VPA, in order to set a UPI PIN to Your Credit Line linked to Stashfin App, You can choose from any of the mode(s) enabled by Stashfin. Based on the chosen mode to set a UPI PIN to the Credit Line linked on the Stashfin App, Stashfin may further ask You to verify the details associated to the Credit Line, including, without limitation, details of Your Bank Account, debit card, etc., and set a UPI PIN to Your Credit Line linked on Stashfin App.

In order to make payment(s) to the select merchant(s) who accept Credit Line payment(s) using Stashfin UPI, You must authorize such payments by inserting Your UPI PIN or using Your Biometric Credentials. You agree that Your Credit Line linked to Stashfin UPI can be used to make payments to the enabled merchants only, and cannot be used to make any other payment(s) (including, but not limited to, transfers to individuals, Bank Account transfer/ cash withdrawal).

Further, You agree that You shall be subject to: (i) the limit of the Credit Line mandated by Your Issuer, (ii) any transaction limit(s) applicable for UPI transactions; and (iii) any other terms and conditions as maybe applicable to Your use of Your Credit Line/ Issuer terms and conditions.

Additionally, You will have the option of checking ‘available Credit Line balance’ in Your linked Credit Line via the Stashfin App. You understand that under this facility, We will display the ‘available credit line balance’ as provided by Your Issuer ‘as is’, and will not hold any liability/ responsibility for any discrepancies, error(s), inaccuracies in relation to the same. You can also view the history of the payment(s) made via Credit Line linked to Stashfin UPI under the ‘history’ section on the Stashfin App.

You agree that:

1. The Credit Line is enabled by Your Issuer, based on the contractual terms agreed between You and the Issuer. EQX Analytics Ltd has no role in determining Your eligibility and does not underwrite, sanction, guarantee or assume any credit risk in relation to the Credit Line or the eligibility criteria for the Credit Line or to define the credit limit in relation to the Credit Line and/or for any risks in relation to the same. Stashfin is merely enabling You to link Your Credit Line to Stashfin UPI via Stashfin App, and shall not be liable for any interest, penalties, billing disputes, credit decisions, risk associated or repayment obligations in determining or verifying the contractual term(s) agreed between You and Your Issuer, or for any aspect in relation to such Credit Line.
2. Any amount utilized by You using the Credit Line linked via Stashfin UPI under this facility, will be a payment towards the relevant enabled merchant only. You must repay the pending dues in relation to the Credit Line to Your Issuer within the due date mentioned in the bill(s) raised by the Issuer and as per the modes/ terms extended by Your Issuer(s) with respect to the same. Stashfin is not involved in the same.
3. Any disputes with respect to the transaction(s) authorized using Your Credit Line via Stashfin UPI on Stashfin App, will be dealt with as per the process provided in the section Grievance Redressal under the UPI ToU and any other process as may be prescribed by NPCI (from time to time) with respect to UPI transactions. Any refunds/reversals will be as per timelines applicable to UPI transaction(s) and/or as per merchant policy/ terms. In case any refunds of forward payment(s) paid by You via the Credit Line through Stashfin App, the same will get accrued/adjusted in the Credit Line as per the contractual terms agreed between You and Your Issuer.

NPCI:

• NPCI owns and operates the UPI Platform.
• NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.
• NPCI approves the participation of Issuers, PSP Banks, TPAPs, PPI issuers and other participants in UPI.
• NPCI provides a safe, secure and efficient UPI system and network.
• NPCI provides online transaction routing, processing and settlement services to members participating in UPI.
• NPCI can, either directly or through a third party, conduct an audit on UPI participants and call for data, information and records, in relation to their participation in UPI.
• NPCI provides the banks/ entities participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

PSP Bank:

• PSP Bank is a member of UPI and connects to UPI for availing UPI payment facility and providing the same to the TPAP which in turn enables the End User/ Customers / merchants to make and accept UPI payments.
• PSP Bank, either through its own app or TPAP’s app, on-boards and registers the End User/ Customers on UPI and links their Bank Accounts to their respective UPI Number.
• PSP Bank is responsible for authentication of the End User at the time of registration of such End User, either through its own app or TPAP’s app.
• PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the End User/ Customers.
• PSP Bank has to ensure that the TPAP and its systems are adequately secure to function on UPI.
• PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the End User/ Customer including UPI transaction data as well as UPI app security.
• PSP Bank has to store all the payments data including UPI transaction data collected for the purpose of facilitating UPI transactions, only in India.
• PSP Bank is responsible to give all Customers an option to choose any Bank Account from the list of banks/ accounts/ instruments available on UPI for linking with the Customer’s UPI Number.
• PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the End User/ Customer.

Stashfin TPAP (TPAP):

• Stashfin is a service provider and participates in UPI through PSP Bank(s), as a TPAP.
• Stashfin is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.
• Stashfin is responsible to ensure that its systems are adequately secure to function on UPI.
• Stashfin is responsible to comply with all Applicable Laws prescribed by any statutory or regulatory authority in relation to UPI, and Stashfin’s participation in UPI, including all circulars and guidelines issued by NPCI in this regard.
• Stashfin has to store all the payments data including UPI transaction data collected by it for the purpose of facilitating UPI transactions, only in India.
• Stashfin is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of Stashfin related to UPI and carry out audits of Stashfin, as and when required by RBI and NPCI.
• Stashfin will facilitate the End User/ Customer with an option to raise grievance through Stashfin’s grievance redressal facility made available through Stashfin App or website and such other channels as may be deemed appropriate by the Stashfin like email, messaging platform, IVR etc.

Stashfin does not charge its Users any fee for creating a Stashfin Account; however, We reserve the right to change the fee policy from time to time, subject to Applicable Laws. We may introduce fees (with applicable taxes) for any new services or amend/introduce fees for existing services. Changes to the fee(s) will be displayed accordingly to You either via the Stashfin App/ website/ Stashfin Platform, and such changes will automatically become effective immediately after they are posted. Unless otherwise stated, and for UPI International, all fees will be quoted in Indian Rupees. Your Issuer may charge You a nominal transaction fee for certain UPI transactions- please check with Your Issuer for any such charges.

Stashfin may review Your activity and transactions for identifying risky transactions. We may also engage third party providers to assist Us in these efforts. In case any transaction processed by You is suspicious/ unusual, or We come across any other activity that We believe may be suspicious or unusual, We may temporarily or permanently suspend Your access to Stashfin UPI/ Stashfin App, or take such other action as We deem fit.

Your transaction may be rejected due to reasons not limited to risk management, suspicion of fraud, illegal transaction, buying/selling of prohibited items, use of compromised or blacklisted cards or UPI or Bank Accounts, chargebacks/complaints, or for other reasons as prescribed by Applicable Laws, or for such other reason as We/ Issuer/ NPCI/RBI may deem fit. We may further investigate and suspend or terminate Your Stashfin Account or take any other action We deem fit. We may also report the transaction and Your details to relevant authorities, including any law enforcement agencies or other regulatory authorities as applicable or notified by law. All fraud risk, chargebacks, reversals, penalties and customer disputes shall be borne entirely by Customer unless directly attributable to a system failure solely caused by EQX’s proven gross negligence.

Stashfin reserves the right to debit, set-off, withhold settlements, or suspend services to recover any such amounts.

Stashfin has tripartite agreements with Our sponsor PSP Banks and NPCI, and We are obligated to facilitate grievances / complaints filing and resolution for the Customers, via the Stashfin App.

We will be the first point of contact for all UPI related grievances/complaints for Customers on-boarded by us. In case We are unable to resolve Your complaint/grievance, the next level for escalation will be the PSP Bank, followed by Your Issuer (where You maintain the Bank Account), and then NPCI, in the same order. Even after exercising these options if Your grievance is not addressed, You can approach the Banking Ombudsman and/ or the Ombudsman for Digital Transactions, as the case may be.

Please refer the below contact details for the above-mentioned Grievance Redressal Mechanisms:

a) Raise grievance to Stashfin:

• On the Stashfin App, You can select the relevant UPI transaction and raise a complaint in relation thereto.
• You can raise a complaint with Stashfin with respect to all UPI related grievances / complaints, if the UPI transaction is made through the Stashfin App.
• Once You raise a complaint on the Stashfin App, You can check the status of Your complaint on the Stashfin App itself, or by any other means as Stashfin may make available to You. If you have made the UPI transaction via any other TPAP App, please raise the complaint via such TPAPs App.

b) Escalate grievance to PSP Bank:

In case the complaint / grievance remains unresolved, the next level for escalation will be the concerned PSP Bank. You can reach out to the PSP Bank at the contact details provided below:

Unity Small Finance Bank – https://unity.bank.in/contact-us

c) Escalate grievance to Your Issuer:

If the PSP Bank is also unable to resolve Your grievance you can reach out to the Issuer where You maintain Your Bank Account/ Payment Account for resolution. You can find the contact details for Your bank on their respective banking websites/ Apps.

d) Escalate grievance to NPCI:

If Your Issuer is also unable to resolve Your grievance, you can reach out to NPCI. The contact details of NPCI are provided below:

https://www.npci.org.in/what-we-do/upi/dispute-redressal-mechanism

e) Escalate grievance to Ombudsman Channels:

After exercising these options, if complaints have not been satisfactorily resolved at previous levels within 30 days, customers can reach out to the RBI ombudsman at:

Complaint lodging portal of the Ombudsman: https://cms.rbi.org.in/

Toll-Free P. No: 14448

Email ID: crpc@rbi.org.in

Address – Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017

For more details about the Reserve Bank – Integrated Ombudsman Scheme, 2021, please refer to the link for the copy of the scheme – RBI Integrated Ombudsman Scheme and the salient features of the scheme.

In no event will Stashfin be liable for any indirect, consequential, incidental, special or punitive damages or liabilities (including statutory), including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Stashfin UPI, Stashfin Services, Stashfin Platform, and/or the Stashfin App.

You shall indemnify and hold harmless Stashfin, Stashfin Entities, its directors, officers, employees, affiliates and representatives from and against any and all claims, actions, penalties, regulatory proceedings, losses, damages, fines, costs and expenses (including reasonable attorney fees) arising out of or relating to:

1. Customer’s breach of this UPI ToU, Privacy Policy the Terms and other policies/ terms;
2. violation of RBI/NPCI or other regulatory directions;
3. data misuse or data breach attributable to Customer;
4. customer/merchant disputes;
5. fraud, chargebacks, reversals, or unauthorized transactions attributable to Customer ecosystem;
6. any representation made by Customer to its end-users.
7. Customer’s violation of any Applicable Laws or the rights (including infringement of intellectual property rights) of a third party.

This indemnity shall survive termination of these Terms.

You agree that Stashfin, at its sole discretion, may terminate or suspend Your Stashfin Account without prior notice, and/or restrict or prohibit Your access to the Stashfin App/ Stashfin Platform/ Stashfin Services, or any part thereof, or to the whole or any part of Stashfin UPI, or take such other action as We deem fit, if We determine that You have/ may have violated any Applicable Law(s), or breached any UPI ToUs/ Terms, or any other terms and conditions as applicable to you on the Stashfin App/ Stashfin Platform, or if We are directed to do so by regulators/ governmental or other authorities, or for any other reasons as Stashfin may deem fit.

You further consent that in case Stashfin suffers losses, not limited to monetary losses, due to Your actions/ inactions, We can take injunctive relief as deemed necessary within the said circumstances.

All Your information/ data will be handled as per the terms of the Privacy Policy and any Applicable Laws. Stashfin may also retain Your registration information, such as Your name, email id and mobile number, VPAs, and any transactional or other information, that We are required, including under Applicable Laws, for such duration as maybe specified under Applicable Laws or as notified by NPCI from time to time or as per Our policies, even after the termination of Your contract with Stashfin.

This UPI ToU and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this UPI ToU, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. The Courts in New Delhi, India shall have exclusive jurisdiction over all matters connected with this UPI ToU.

You understand that downloading or using the Stashfin App does not automatically entitle You for Stashfin UPI.

We do not make any warranties or representations, express or implied, about the quality and availability of UPI, Stashfin UPI, Stashfin Platform, including, but not limited to, any warranty(ies) of merchantability, fitness for a particular purpose or non-infringement of third-party intellectual property rights. Stashfin UPI is provided “AS IS”, “AS AVAILABLE” and with all faults.

Stashfin is merely a facilitator of the transactions and is not a party to the transactions. We endeavour to execute and process transactions as per the defined process, however, Stashfin disclaims all liability in relation to UPI and Stashfin UPI, including but not limited to those arising out of the failure of the transactions, non-availability of UPI, Stashfin UPI or Stashfin Platform, any non-responsiveness, delay, failure of systems and/or legality of the transactions; Stashfin shall also not be liable for any error, failure, disruption, or non-availability of UPI, Stashfin UPI, Stashfin Platform, Stashfin Services, transactions, etc. Please reach out to Your Issuer for any issues arising out of any transaction. All the transactions are strictly between the payee and payer, without any liability on Stashfin whatsoever.

In the event of any direction, circular, clarification or order issued by RBI/NPCI or any regulator, EQX shall have the unilateral right to modify, suspend or discontinue services to ensure regulatory compliance, without liability.

Your transaction records and other logs maintained with Us shall be final and binding as a proof of the transaction and Your use of UPI/ Stashfin UPI.