Welcome to www.nirapay.in. These Terms and Conditions govern your access to and use of our website www.nirapay.in and all related mobile recharge services. By using our website, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our platform.

1. Definitions

In these Terms:

- “User”, “You”, or “Your” means any individual or entity accessing or using our website or services.

- “Service” means the mobile recharge, bill payment, and related services provided through www.nirapay.in.

- “Operator” refers to the telecom or service provider for which recharge is being performed.

2. Eligibility

By accessing www.nirapay.in, you confirm that you are legally capable of entering into a binding agreement under Indian law.

3. Acceptance of Terms

By using our website, you agree to abide by these Terms & Conditions, our Privacy Policy, and all applicable laws and regulations. We may update or modify these Terms at any time without prior notice. Continued use of the website after such updates constitutes acceptance of the new Terms.

4. Use of Services

You agree to use our services only for lawful purposes. You must not use our platform for fraudulent, illegal, or unauthorized activities. You also agree not to interfere with, damage, or disrupt the security of our systems or networks.

5. Account Registration

To use certain features, you may be required to create an account. You must provide accurate, complete, and up-to-date information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

6. Recharge Transactions

- All recharges made through www.nirapay.in are processed instantly upon successful payment confirmation.

- Once a recharge is initiated and successfully processed, it cannot be cancelled, reversed, or refunded as the amount is directly transferred to the respective service provider.

- In rare cases where the recharge fails after payment, the amount will be refunded to your original payment method within 5–7 working days, depending on your bank or payment provider.

7. Payment Policy

All payments made on www.nirapay.in are handled through secure, PCI-DSS-compliant payment gateways. We accept multiple modes of payment, including debit/credit cards, UPI, and net banking. www.nirapay.in does not store or have access to your sensitive financial information.

8. Pricing and Offers

We reserve the right to modify recharge plan prices, discounts, or promotional offers without prior notice. Operator plans are subject to change as per telecom company policies. Users are advised to verify plan details before completing payment.

9. Refund Policy

Refunds will only be processed if the recharge transaction fails but the amount is debited from your account. No refund will be issued once the recharge has been successfully processed. Refunds will be credited to the original payment source within 2–3 business days.

10. User Responsibilities

You agree to:

- Provide accurate and valid recharge numbers and payment information.

- Use the website for personal and non-commercial purposes only.

- Avoid uploading or transmitting viruses, spam, or malicious code.

- Comply with all applicable laws, telecom regulations, and RBI guidelines.

11. Intellectual Property Rights

All content on www.nirapay.in including text, graphics, logos, icons, and software is the exclusive property of Nirapay or its licensors. You may not copy, distribute, modify, or reproduce any content without prior written consent from www.nirapay.in.

12. Limitation of Liability

While we strive for uninterrupted and error-free service, www.nirapay.in shall not be liable for any technical issues, delays, failed transactions, or indirect damages arising from the use of our platform. We are not responsible for issues caused by network providers, operators, or third-party gateways.

13. Third-Party Links

Our website may include links to third-party websites or services. These are provided for convenience and do not signify endorsement. We are not responsible for the content, privacy, or practices of third-party websites.

14. Suspension or Termination

We reserve the right to suspend, restrict, or terminate user access at any time if we suspect misuse, fraud, or violation of these Terms. Termination may result in permanent deletion of your account and related information.

15. Indemnification

You agree to indemnify and hold harmless www.nirapay.in, its employees, affiliates, and partners from any claims, damages, or losses arising out of your use of our services or violation of these Terms.

16. Dispute Resolution

All disputes or claims arising from the use of www.nirapay.in shall be governed by the laws of India. Any dispute shall be subject to the exclusive jurisdiction of courts located in India.

17. Disclaimer

The information provided on our website is for general purposes only. We make no warranties regarding accuracy, completeness, or reliability. Use of the website is at your own risk.

18. Contact Information

For any questions or concerns regarding these Terms & Conditions, please contact us using the details below:

Email: contact@nirapay.in

Support: support@nirapay.in

Website: www.nirapay.in

Effective Date: October 23, 2025

By continuing to use www.nirapay.in, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.