Terms And Conditions
Read our terms and conditions guidelines before you contribute in any way to the site. All users of the site must accept and agree to abide by them.
Knowhow is a website anyone can contribute to. We invite you to join our community in a few different ways, but please read our community guidelines first.
Snapay reserves all the rights to amend these terms and conditions at any time without giving prior notice. It is the responsibility of the user to have read the terms and conditions before using the service.
Cancellation And Refund Policy Annexure- I
As a general rule, no refund will be provided until and unless such circumstances exist that the Website deems fit to refund the transaction money. A Buyer may submit a claim for a refund for a purchase made by emailing at firstname.lastname@example.org and providing a clear and specific reason for the refund request and the exact terms that have been violated. Whether a refund will be provided will be determined by the Website, in its sole discretion. Refund requests must be submitted within 10 days of the purchase or within any such duration, as indicated by the Sellers. In case a Buyer has a dispute with the Seller where he/she wants a refund for the amount paid to the Seller, Buyer should create a case using the link on the transaction mail within 10 days from the date of transaction/purchase or placing the Order. In case of failure to do so by the Buyer, he/she agrees that it absolves the Website from any responsibility to facilitate the resolution of such dispute. The Buyer agrees not to dispute/chargeback the transaction with his/her credit card issuing bank without informing or obtaining prior consent of the Website. 1% of amount will be deducted from your payment for cancellation.
A transaction may be reversed or charged back to your account if it is disputed by the Buyer, reversed for any reason by the Network, deemed to be fraudulent, deemed to be in violation of this Agreement, or we have any reason to believe that the transaction was not completed in good faith. For any transaction that results in a chargeback, the Website may withhold the transaction amount from your account. If your account has any pending resolution of any charge backs, the Website has the discretion to delay your next payout(s). The Website reserves the right to withhold from your account the amount of one or more transactions, if it believes that there is a significantly increased risk of a chargeback occurring on these transactions. The Website may also charge you a fee for each refund, or chargeback, or dispute incurred. If your account is incurring a significantly high volume of charge backs according to the Website, the Website reserves the right to (a) suspend your account, (b) increase processing fees, (c) withhold payouts, (d) increase holding period for your funds to be paid out, (e) implement a rolling reserve. The Website reserves the right to charge a "Penalty fee" from the Users, including Buyers and Sellers, for abusing the platform, towards the charges incurred for the investigation, operational handling and legal consultation charges.
Snapay is a mobile application that enables user to send money to friends and family using their email address. Users can also use the snapay mobile app to pay for goods and services at merchants that accept payment by snapay. For more information about how snapay works, users can review the FAQ on
User Understands And Acknowledges
That upon placing an Order You are entering into a legally binding and enforceable contract with the Seller to purchase the Products and /or services from the Seller using the payment facility, and You shall pay the price as listed on the Website through any such instrument as provided used for the payment, to the Seller using payment facility.
That you shall be entitled to claim a refund of the Order placed (as Your sole and exclusive remedy) in case You do not get the confirmation of the Order placed. In case you do not raise a refund claim within the stipulated time than, Website or the Seller does not take the responsibility of the refund to be received by you, from your issuing bank.
That no refund shall be made once the Order is placed or confirmed, using the Website (unless the services are not provided appropriately by the Seller).
That website, undertakes utmost care to provide secure payment system, however, it is susceptible to hacking, virus attacks, malfunction
That the User shall provide accurate payment details to the secure payment system for making purchase on the Website
The information provided by User will not be utilized or shared with any third party unless required in relation to fraud verifications or by law, regulation or court order.
The website expressly disclaims all liabilities that may arise as a consequence of any unauthorized use of Users credit/ debit card
That the User undertakes all payments subject to own risk and volition
The website shall not be liable for any loss or damage occurred to User arising directly or indirectly due to the decline of authorization for any transaction malfunction, errors and/or unscrupulous activities. We shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly due to the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit
The platform and the services are only available for individuals aged 13 years or older. If you are 13 or older, but under the age of majority in your jurisdiction, you should review this agreement with your parent or guardian to make sure that you and your parent or guardian understand it.
Sign In Name Password Unique Identifiers
During the registration process for members and merchants, we will ask you to create an account, which includes a sign-in name (sign-in name), a password (password), and perhaps certain additional information that will assist in authenticating your identity when you log-in in the future (unique identifiers). When creating your account, you must provide true, accurate, current, and complete information. You are responsible for the confidentiality and use of your sign-in name, password, and unique identifiers. You will promptly inform us of any need to deactivate a password or sign-in name, or change any unique identifier. We reserve the right to delete or change your password, sign-in name, or unique identifier at any time and for any reason
Communications With Us
Although we encourage you to e-mail us, we do not want you to, and you should not, e-mail us any content that contains confidential information. With respect to all e-mails and communications you send to us, including, but not limited to, feedback, questions, comments, suggestions, and the like, we shall be free to use any ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production, and marketing of products and services that incorporate such information without compensation or attribution to you.
The application may only be used by individuals and under the age of majority in their jurisdiction of residence, user should review these terms and agrees to be legally bound by them. The applicant agrees, understands and confirms that his/ her personal data including without limitation details relating to debit card/ credit card/net banking transmitted over the internet may be susceptible to misuse, hacking, theft and/ or fraud and that snapay have no control over such matters
Web Service Terms
By accessing this website, you are agreeing to be bound by these website terms and conditions of use, all applicable laws and regulations, and agree that you responsible for compliance with any applicable local laws. If you do not agree terms, you are prohibited for using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
The information supplied at the time of using the service is processed by the payment gateway of the service provider and is not supplied to snapay. It is the sole responsibility of the user of the service to ensure that the information entered in the relevant fields are correct. It is recommended that you take and retain a copy of the transaction for record keeping purposes, which might assist in resolution of any disputes that may arise out or usage of the service
We reserve the right, but are not obligated, to limit the sales of our products to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product made on this site is void where prohibited.
The applicant agrees that the debit/credit card details provided by him/ her for use of the aforesaid service(s) must be correct and accurate and that the applicant shall not use a debit/ credit card, that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The applicant further agrees and undertakes to provide correct and valid debit/credit card details
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.
a) Permission is granted to temporarily download one copy of the materials (information or software) on snapay web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modify or copy the materials;
- Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
- Attempt to decompile or reverse engineer any software contained on Snapay.in web site;
- Remove any copyright or other proprietary notations from the material
- Transfer the materials to another person or "mirror" the materials on any other server
b) This license shall automatically terminate if you violate any of these restrictions and may be terminated by payme.ng at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Snapay License Grant To You
If you are using snapay software such as an API, developer's toolkit or other software application that you have downloaded to your computer, device, or other platform, then snapay grants you a revocable, non-exclusive, non-transferable license to use snapay's software in accordance with the respective documentation. This license grant includes the software and all updates, upgrades, new versions and replacement software for your personal use only. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation and use requirements contained in all snapay documentation accompanying the snapay services. If you do not comply with snapay's implementation and use requirements you will be liable for all resulting damages suffered by you, snapay and third parties. Snapay may change or discontinue any apis upon notice to you. You agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code which is derived from the software. You acknowledge that all rights, title and interest to snapay's software are owned by snapay. Any third party software application you use on the snapay website is subject to the license you agreed to with the third party that provides you with this software.snapay does not own, control nor have any responsibility or liability for any third party software application you elect to use on the snapay website and/or in connection with the snapay services. If you are using the snapay services on the snapay website, or other website or platform hosted by snapay, or a third party, and are not downloading snapay's software or using third party software applications on the snapay website, then this section does not apply to your use of the hosted snapay services.
In no event shall snapay or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on internet site, even if payme.ng or a payme.ng authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Snapay is not a bank and the snapay services are payment processing services rather than banking services. Snapay does not have control of, nor liability for, the products or services that are paid for with the snapay service. We do not guarantee the identity of any user or ensure that a buyer or a seller will complete a transaction.
Revisions And Errata
The materials appearing on snapay web site could include technical, typographical, or photographic errors. Snapay does not warrant that any of the materials on its website are accurate, complete, or current. Snapay may make changes to the materials contained on its web site at any time without notice. Snapay does not, however, make any commitment to update the materials.
Snapay has not reviewed all of the sites linked to its internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by snapay.in of the site. Use of any such linked web site is at the user's own risk.
Site Terms Use Of Modifications
No warranty, representation or guarantee, express or implied, is given by the snapay in respect of the operation of the service.
To the fullest extent allowable under applicable law, in no event shall snapay (a) be liable to the user with respect to use of the application, including without limitation participation in mobile payment; or (b) be liable to the user for any indirect, special, incidental, consequential, or exemplary damages, including, without limitation, damages for loss of goodwill, lost profits, loss, theft or corruption of user information, the inability to use the application or device failure or malfunction.
Disclaimer And Limitation Of Liablity
Snapay does not accept liability for any damage, loss, cost (including legal costs), expenses, indirect losses or consequential damage of any kind which may be suffered or incurred by the user from the use of this service.
Any claim relating snapay.in website shall be governed by the laws of the state without regard to its conflict of law provisions. General terms and conditions applicable to use of a web site. These terms and conditions are governed by the laws of India.
Protection For Unauthorized Transactions And Errors
When an unauthorized transaction or an error occurs in your account, snapay will cover you for the full amount of every eligible unauthorized transaction or error so long as you follow the procedures discussed below. An unauthorized transaction occurs when a payment is sent from your account that you did not authorize and that did not benefit you
The platform may contain links to third-party websites (“external sites”). We of the content on such external sites provide these links solely as a convenience to you and not as an endorsement. The content of such external sites is developed and provided by others. You should contact the site administrator or webmaster for those external sites if you have any concerns regarding such links or any content located on such external sites. We are not responsible for the content of any linked external sites and do not make any representations regarding the content or accuracy of materials on such external sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked external sites, you do so at your own risk.
Third Party Disclosure
Do we disclose the information we collect to third parties? We never sell,trade, or otherwise transfer to outside parties your name, address,city,town, any form or online contact identifier email, name of chat account etc., screen name or user names, phone number, cookie number, ip address device serial #, unique device identifier personally identifiable information.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Fees And Payments
You can place the order for the Products listed by the Seller at a price as shown or provided by the Seller. You need to place an order by making payment through available or provided payment modes. Prices listed are in Indian Rupees (unless specified) and are subject to change from time to time, at the sole discretion of the Seller. The website reserves the right to require payment of fees for certain or all Services, in addition to the fees charged for the purchase and sale of any Product. You shall pay all fees, as described on the Website in connection with such Services selected by you. The website charges a fixed rate of commission (depending on the medium of instruments used) on of the sale price on each transaction between Buyer and Seller, which it deducts from the payment made by the Buyer. The website, at its sole discretion, reserves the right to modify the commission amount from time to time. The Seller shall bear and be responsible for any applicable federal, state, local and foreign taxes, duties, tariffs, levies, withholdings and similar assessments (including without limitation, sales taxes, use taxes and value added taxes) relating to the subject matter hereunder, excluding taxes based upon the website’s net income; if there is any withholding required, the Seller will pay any amount specified on the Website without reduction for the withholding amount and will also pay the withholding amount to the applicable authorities. Payments to the Seller shall be paid out by the website, subject to a minimum account balance in the Seller’s account and provided that the Seller has provided his correct account details during the registration of its account on the Website. The website reserves the right to change pricing and payment policies and to institute new charges at any time, upon notice to the Seller, which may be sent by email or posted on the Website. All payments need to be made online and no offline payments are permitted by the website.
You agree to defend, indemnify, and hold the snapay parties harmless from and against any damages, liabilities, losses, expenses, claims, actions, and/or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of this agreement; (ii) your misuse of the platform, content and/or the services; (iii) your violation of any third-party rights, including without limitation any copyright, trademark, property, publicity, or privacy right; (iv) your member content; and/or (v) any claims brought against any snapay party by a third party partner as a result of your acts or omissions. We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control (at your expense) of any matter that is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter. Compliance with applicable laws. The platform and the services are based in the United States. We make no claims concerning whether the platform, the services, and the content may be viewed, or be appropriate for use outside of the United States. If you access the platform, the services, or the content from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
Interaction With Third Parties
Declaration from Buyer / Seller before initiating any transaction on snapay web Solution
Customer/Sender/Buyer confirms satisfactory delivery of goods and/or rendering of services (Satisfactory Delivery) before payment is initiated and waives all rights to raise disputes on the transaction via. Snapay Web Solution. The user is however free to raise a dispute directly with the seller / receiver. This confirmation shall be obtained as below:
- Send to Bank a/c: By making the payment, the user confirms Satisfactory Delivery
- Send to Mobile/Email: By sharing the PTCN number with the receiver / seller, the user confirms Satisfactory Delivery
- Request to Pay/Invoice: By making a payment to Fulfill a request to pay, the user confirms Satisfactory Delivery
- Payment on the merchants account page (as and when enabled): By making a payment on merchant’s account page, the user confirms Satisfactory Delivery
Merchant / Seller / Receiver confirms satisfactory delivery of goods and/or rendering of services (Satisfactory Delivery) before accepting payment into his account. The merchant /seller / receiver undertakes to provide all documents that maybe required by snapay web Solution and/or its payment gateway to ensure authenticity of the transaction, to settle disputes, or for whatever reasons snapay web Solution may require the documents for. This confirmation shall be obtained as below:
- Money to Bank a/c: Not applicable
- Money to Email/Mobile: By claiming the money via inputting the correct SPTN, the receiver confirms that he/she has already made a Satisfactory Delivery
- Request to pay/Invoice: By requesting for a payment, the requestor confirms that he/she has already made a Satisfactory Delivery
- Registered Merchant (as and when enabled): By initiating a payment request, the Merchant confirms that he/she has already made a Satisfactory Delivery
This clause is not applicable for receivers / sellers who are not registered users of snapay web Solution. This clause should be read in conjunction with the clause titled: snapay web Solution Cancellation & Refund Policy.
If this agreement is terminated in accordance with the termination provision above, such termination shall not affect the validity of the following provisions of this agreement, which shall remain in full force and effect: fees and payment (until you pay all fees and taxes due hereunder), intellectual property,member content; licenses, communications with us, no warranties; limitation of liability, indemnification, termination of the agreement, controlling law, binding arbitration, class action waiver, and “miscellaneous. Our failure to act on or enforce any provision of the agreement shall not be construed as a waiver of that provision or any other provision in this agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by you and us in writing, this agreement constitutes the entire agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This agreement will inure to the benefit of our successors, assigns, licensees, and sub licensees. Copyright 2017 snapay. All rights reserved.
User Comments,Feedback And Other Submissions
SNAPAY is pleased to hear from users and welcomes your comments regarding our products and services. Our company policy does not allow us to accept or to consider creative ideas, suggestions, proposals, plans, or other materials other than those we have specifically requested. We hope that you will understand that the intent of this policy is to avoid the possibility of future misunderstandings when projects developed by snapay employees and agents might seem to be similar to creative works submitted by users. Accordingly, while we value your feedback, we must ask that you do not send creative ideas, suggestions, proposals, plans, or other materials for our business. If, at our request, you send certain specific submissions (for example contest entries) or without out a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, Comments), you agree that snapay may, at any time, without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any Comments that you forward to snapay is and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay compensation for any Comments; or (3) to respond to any Comments. Snapay has the right but not the obligation to monitor and edit or remove any Comments. You agree that your Comments will not violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right. You further agree that your Comments will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Site. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead snapay or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. Snapay takes no responsibility and assumes no liability for any Comments posted by your or any third party.
Termination And Suspension
This Agreement shall remain in full force and effect while you use the Services. You may terminate your use of the Services at any time. The Website may terminate or suspend your access to the Services or your membership or registration at any time, for any reason, and without warning, which may result in the forfeiture and destruction of all information associated with your membership. The Website may also terminate or suspend any and all Services and access to the Website immediately, without prior notice or liability, if you breach any of the terms or conditions of this Agreement. Upon termination of your account, your right to use the Services, access the Website, and any Content will immediately cease. On termination of your account, the Website has the right to refund your transactions, or keep your funds on hold for a period, as deemed fit by the Website, from the date of termination post which such amount shall be released to your account or any such account as directed, in accordance with the then applicable laws. All provisions of this Agreement which, by their nature, should survive termination, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability. The Website, upon obtaining knowledge by itself or been brought to actual knowledge by an affected person or User in writing or through email signed with electronic signature about any such information which is not authorized to be displayed while using the Services, including, not limited to, the details as provided in the above mentioned Section 4, the Website shall act within thirty six hours or at the time the Website is aware of such information being posted and where applicable, work with User or owner of such information to disable such information that is in contravention and not authorized to be displayed on the Website or in the Services provided. Further, the Website shall preserve such information and associated records for at least ninety days or for any number days, for investigation purposes. Post internal investigation(s), if any, conducted by the Website and post ceasing the right(s) of the Seller or the User or any other relevant party to access or use the Services, Website, and any Content, Website reserves the right to disclose any and all information to the relevant governmental authorities, for any further actions to be taken under the law. The Website reserves the right to take any such action, on any suspicious and/or reasonable ground(s).
Without limiting the foregoing, under no circumstances shall the Website, its affiliates, officers, employees, agents, partners and licensors be held liable for any damage or loss, penalty due to delay or deficiency in performance of the Website and Services resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication failures, major electricity failures, internet outage, downtime, floods, storms, accident, civil disturbances, riots, strikes, shortages of labour, fluctuations in heat, light, fire or air.
Changes To Terms Of Service
You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
The Website will also post, display, publish or provide links of advertisements of advertisers on the Website at various places on the Website. The places of such Advertisements shall not be fixed. These advertisers might set cookies on Website which shall use your data, information for various other links. If you would like to know more information about this practice and to know your choices about not having this information used by any company, please refer to the relevant policy of such advertiser for more information. We do not endorse or recommend or market or warranty the advertisements or advertisers or quality, suitability, merchantability, fitness, commitment, reasonability of the Product and/or services offered by such advertisers. We are not responsible for any of these advertisers as these will by third party advertisers. If you intend to deal with the advertisers, you shall directly deal with them at your entire risk and volition and Company shall not be made a party or forced party in any such conflicts. Take down Procedure: If the user claims that the Content hosted on the Website is infringing any copyright owned personally, user is required to give a written complaint with all the required particulars mentioned under sub-rule (2) of Rule 75 of the Copyright Rules, 2017, which includes namely:
a) The description of the work with adequate information to identify the work;
b) Details establishing that the complainant is the owner or exclusive licensee of copyright in the work;
c) Details establishing that the copy of the work which is the subject matter of transient or incidental storage is an infringing copy of the work owned by the complainant and that the allegedly infringing act is not covered under section 52 or any other act that is permitted under the Act;
d) Details of the location where transient or incidental storage of the work is taking place;
e) Details of the person, if known, who is responsible for uploading the work infringing the copyright of the complainant; and
f) Undertaking that the complainant shall file an infringement suit in the competent court against the person responsible for uploading the infringing copy and produce the orders of the competent court having jurisdiction, within a period of twenty-one days from the date of receipt of the notice.
The complaint can either be e-mailed to us at email@example.com or sent in hard copy to the contact address mentioned in the Company’s Website. If we are satisfied from the details provided in the complaint that the copy of the work is an infringed copy, we shall take necessary steps and measures to refrain from facilitating the alleged infringed content and take down the content within 36 hours in accordance with sub-rule (3) and (4) of Rule 75 of the Copyright Rules, 2017. However, we shall refrain from facilitating the content in dispute only for a statutory period of twenty-one days from the date of receipt of the complaint or till we receive an order from the competent court restraining us from doing do, whichever is earlier. We shall not be under any obligation whatsoever, to respond to any further notice sent by the same complainant on the same work in the same location if he/she fails to produce the orders of the competent court having jurisdiction within the stipulated period mentioned above.