TERMS AND CONDITIONS

Thank you for choosing PayNback, an offline shopping service provided by PayNback InfoSolutions LLP. By agreeing to these terms and conditions, you acknowledge that you have read and understood the following provisions and agree to be bound by them when using the PayNback shopping service.

1. Account Registration:

    a. Personal Information Protection: Your account information is securely stored and protected according to industry standards and regulations.

    b. Identity Verification: You may be required to verify your identity during registration to enhance security and comply with regulations.

    c. Age Requirement: Users must be at least 18 years old to use the PayNback shopping service.

    d. Confidentiality Responsibility: It is your responsibility to maintain the confidentiality of your account information and password.

    e. Accuracy of Information: You agree to provide accurate and up-to-date information during the registration process.

2. PayNback shopping service:

- The PayNback shopping service allows you to purchase credits as points/coupons for transactions with merchants that accept PayNback.

- Various payment methods, such as credit/debit cards, UPI, and bank transfers, can be used to add credits to your PayNback shopping service.

- You can use your PayNback shopping service balance for payments at participating merchants for various transactions and services.

- Billing Security: Your billing information is encrypted and securely stored to protect your payment details.

- Fee Disclosure: PayNback may charge fees for certain transactions or services, which will be disclosed before you confirm the transaction.

3. Changes to Terms:

- The service may offer features like sending money to other users or making bill payments.

- Secure Transactions: All PayNback shopping service transactions are encrypted for security.

- Regulatory Compliance: The PayNback shopping services comply with financial regulations to ensure safe transactions.

4. Transaction Processing:

- Transactions are processed immediately when you use the PayNback shopping service for payments.

- Full Payment Responsibility: You agree to pay the full authorized transaction amount, including any applicable fees.

- Fraud Prevention: Advanced fraud detection measures are in place to prevent unauthorized transactions.

- Transaction Monitoring: Transactions are continuously monitored in real-time to detect and prevent suspicious activities.

5. Security:

- Data Protection: Robust security measures are implemented to safeguard your account and financial information.

- Two-factor Authentication: Two-factor authentication options are available for added account security.

Being a convenient and efficient way to make transactions, PayNback advice some tips to ensure the security of digital all the payment apps:

1. Use strong authentication methods: Enable two-factor authentication or biometric authentication options offered by the app to add an extra layer of security.

2. Protect your device: Keep your device and the digital payment app up to date with the latest security patches and updates. Use strong, unique passwords and avoid sharing your device with others.
3. Be cautious with public Wi-Fi: Avoid making transactions on public Wi-Fi networks, as they can be insecure and leave your personal information vulnerable to hackers.
4. Monitor your transactions: Keep an eye on your account activity and report any suspicious transactions to the app provider immediately.
5. By following these tips and staying vigilant, you can help protect your personal and financial information while using digital payment apps.

6. Fees and Charges:

- Transparent Fees: Clear information on applicable fees for transactions and services is provided.

- Billing Security: Your payment details are securely stored and encrypted to prevent unauthorized access.

- Fee Disclosure: PayNback may charge fees for specific transactions, such as adding funds or transferring money to other users. Fees will be communicated before transaction confirmation.

7. Limitation of Liability:

- User Responsibility: While we ensure the security of your account, it is essential for users to take precautions to protect their account credentials.

- Reporting Concerns: Promptly report any suspicious activity or security breaches to our customer support team.

8. Regulatory Compliance:

- Compliance Standards: PayNback adheres to relevant financial regulations and data protection laws to safeguard your personal and financial information.

- Regulatory Updates: Services are updated in accordance with changes in regulatory requirements to ensure compliance and enhance security measures.

SHIPMENT POLICY

We strive to connect you with a wide variety of products from amazing merchants. Please note that each merchant on our platform fulfils and ships their own orders independently. This means the specific shipping options, costs, and timelines will vary depending on the merchant you purchase from.

Here's a general overview of the shipment process:

Order Fulfilment: Once you place an order, the merchant you purchased from will process and fulfil the order. This may include packaging and preparing the shipment for pick-up by the chosen carrier.

Shipping Options and Costs: Each merchant will offer a variety of shipping options at checkout. These options will be displayed along with their associated costs. You can choose the option that best suits your needs and budget.

Delivery Timeframes: Merchants will provide estimated delivery timelines for each shipping option at checkout. Please note that these are estimates and actual delivery times may vary.

Tracking Your Order: Once your order ships, the merchant will provide you with a tracking number so you can follow your package's progress.

For specific details regarding shipping on a particular product:

Review the product listing information.

Visit the merchant's store or online page on our platform.

Contact the merchant directly through our platform for any questions.

Please note: As each merchant fulfils their own orders, any inquiries or concerns regarding shipping delays, lost packages, or damaged items should be directed to the merchant you purchased from. We will do our best to assist you in finding the merchant's contact information

PAYNBACK REFUND POLICY

At PayNback, we prioritize a secure and convenient way to manage your credit points/coupons. This policy outlines situations where you might receive compensation for issues related to your PayNback account, as refunds for purchases made with your PayNback shopping service credits are not possible.

PayNback shopping service facilitates e-commerce by connecting consumers and merchants. It benefits both parties by offering significant discounts and rewards programs. These rewards and discounts are credited to your respective PayNback shopping services within the platformand can be used for future transactions between buyers and sellers. However, it's important to note that PayNback is not a bank.

Users add credits to their PayNback shopping services by purchasing points/coupons with various payment methods. These credits can be used for purchases at authorized merchants, loyalty programs, and PayNback affiliates. However, unlike cash, these credits cannot be directly withdrawn or refunded. They can only be redeemed for goods or services offered by PayNback affiliates or used according to the specific rules of reward programs offered by PayNback or its partners. Transfers between PayNback shopping services are allowed, subject to security checks, and PayNback may charge fees for this service.

Reward credits added to a member's PayNback shopping service are for use within the specific program offered by PayNback or its partners and cannot be exchanged for cash.

While PayNback prioritizes secure and convenient credit point and reward management, refunds for purchases made with PayNback shopping service credits are typically unavailable due to the system's closed-loop nature. However, this policy details situations where you may receive compensation for issues related to your PayNback account.

RETURN POLICY.

Here at PayNback, we want you to be happy with your purchases. However, we understand that sometimes things don't work out as planned. That's why our return policy is designed to be simple and transparent.

It's important to note that each merchant on our platform sets their own return policy. You'll find details about a specific product's return window, acceptable return conditions, and any restocking fees on the merchant's page or within the product listing itself.

Here's a quick tip: Be sure to check the return policy before you complete your purchase. This way, you'll know exactly what to expect if you need to return an item.

For any questions or assistance with a return, please contact the merchant directly. Their contact information will be readily available on their storefront or within your order details.

General compensation

Unauthorized Transactions: If you believe a transaction was made on your account without your authorization, please contact our support team immediately. We will investigate the claim and if unauthorized use is confirmed, we will credit your PayNback shopping service with the full amount.

Technical Errors: In the case of a technical error with the PayNback application that results in a failed or incorrect transaction, we will credit your PayNback shopping service with the full amount upon verification of the issue.

Ineligible compensation

Authorized Transactions: Since PayNback operates on a closed-loop system, compensation cannot be provided for transactions you authorized through the app, even if you're unhappy with the service or product.

Accidental Top-Ups: We understand mistakes happen. While refunds for accidental top-ups of your PayNback shopping service aren't guaranteed, please contact our support team for assistance. We'll review each case on a case-by-case basis.

Time Limits: All requests for compensation related to account issues must be submitted within 7 days of the transaction date.

Refund process.

To request a refund, please contact our support team through the live chat at https://paynabck.com, PayNback application or by email at supports@paynback.com. Be sure to include the following information in your request:

• Your PayNback ID, Name
• Registered Mobile & Email Address
• Date and Time of Transaction
• Transaction
• Reason for Refund Request

Our support team will review your request and respond within 4 business days. If your refund is approved, the points/coupons will be credited back to your PayNback shopping service account immediately.

Please Note: This policy is subject to change at any time without prior notice. We recommend that you review this policy periodically for any updates.

Contact Us

If you have any questions regarding this refund policy, please do not hesitate to contact us through the PayNback application, website https://paynback.com or by email at support@paynback.com

9. Governing Law:

- Legal Compliance: By using PayNback, you agree to comply with Indian laws related to financial transactions and data protection.

10. Changes to Terms:

- Notification of Changes: Any updates to terms and conditions will be communicated in advance via email or the app.

- Acceptance of Changes: Your continued use of the service after updates implies acceptance of the modified terms.

11. Dispute Resolution:

- Arbitration Clause: In the event of disputes, parties agree to resolve them through arbitration under Indian law.

- Conflict Resolution: We prioritize addressing concerns in a fair and timely manner, protecting your rights as a PayNback user.

By using PayNback, you agree to these terms and conditions. For any questions or clarifications, contact us at support@paynback.com. Thank you for choosing PayNback.

ACKNOWLEDGEMENT

Being a PayNback shopping service user, I hereby acknowledge that I have read and understood the terms and conditions outlined by PayNback LLP for the use of their PayNback shopping services. I consent to abide by these terms and agree to be bound by the provisions set forth in the agreement.

I understand that by using the PayNback shopping service, I am required to provide accurate information during registration, maintain the confidentiality of my account details, and comply with all age and regulatory requirements.

Furthermore, I consent to the storage and protection of my personal and financial information in accordance with industry standards and regulatory guidelines. I understand that PayNback may charge fees for certain transactions or services, and I agree to pay all authorized transaction amounts, including any applicable fees.

I acknowledge the importance of reporting any suspicious activities or security breaches promptly and understand the arbitration clause for resolving disputes in accordance with Indian law.

By continuing to use the PayNback shopping service, I hereby give my consent to the terms and conditions outlined above. I understand that any changes to the terms will be communicated to me in advance, and my continued use of the service after updates implies acceptance of the modified terms.