Terms & Conditions

1. DEFINITIONS AND INTERPRETATION

1.1 In these Terms, unless the context otherwise requires:

• "User" or "You" means any person who downloads, installs, accesses, or uses the App;
• "Services" means mobile recharge services, cashback programs, and all other services provided through the App;
• "Transaction" means any recharge transaction initiated through the App;
• "Successful Transaction" means a transaction where the mobile recharge has been processed and accepted by the telecom operator, regardless of whether the recharge was intended for the correct or incorrect mobile number;
• "Cashback" means the monetary rewards credited to the User's Laddoo wallet upon successful transactions;
• "Wallet" means the digital wallet maintained within the App for storing cashback;
• "Telecom Operator" means third-party mobile network service providers including but not limited to Airtel, Jio, Vi, BSNL;

1.2 Headings are for convenience only and do not affect interpretation. Words importing the singular include the plural and vice versa.

2. ACCEPTANCE AND MODIFICATION OF TERMS

2.1 Binding Effect: These Terms constitute a legally binding contract between you and the Company. Your use of the App constitutes your unconditional acceptance of these Terms.

2.2 Modification Rights: The Company reserves the absolute and unfettered right to modify, amend, or update these Terms at any time without prior notice. Any modifications shall take immediate effect upon posting on the App or website. Your continued use of the App after such modifications constitutes your binding acceptance of the modified Terms.

2.3 Regular Review: You are solely responsible for regularly reviewing these Terms. Ignorance of any modifications shall not constitute a defense or grounds for dispute.

3. USER ELIGIBILITY AND ACCOUNT RESPONSIBILITIES

3.1 Age Requirement: You represent and warrant that you are at least 18 years of age and possess the legal capacity to enter into binding contracts under applicable law.

3.2 Jurisdiction: You represent and warrant that you are legally permitted to use the Services in your jurisdiction and that your use complies with all applicable local, state, national, and international laws.

3.3 Account Registration: Upon creating an account, you covenant and agree to:

• Provide accurate, current, complete, and truthful information;
• Maintain and promptly update such information to ensure accuracy;
• Maintain the absolute confidentiality and security of your account credentials;
• Accept sole and exclusive responsibility for all activities occurring under your account;
• Immediately notify the Company of any unauthorized access or security breach;
• Not create multiple accounts to circumvent restrictions or abuse promotional offers;
• Not share, transfer, or sell your account to any third party;

3.4 Account Termination: The Company reserves the right to suspend, terminate, or delete your account at any time, with or without cause, and with or without notice, if we determine in our sole discretion that you have violated these Terms or engaged in fraudulent activity.

4. DESCRIPTION OF SERVICES

4.1 The Company provides a digital platform enabling Users to:

• Recharge prepaid mobile phones across various Telecom Operators;
• Earn guaranteed cashback through scratch cards on successful recharge transactions;
• Maintain and manage a digital Wallet for cashback;
• Access promotional offers and special deals;

4.2 Service Availability: While the Company endeavors to maintain continuous service availability, we do not warrant or guarantee uninterrupted, timely, secure, or error-free service. The Company expressly disclaims any liability for service interruptions, delays, or failures.

5. RECHARGE SERVICES AND TRANSACTION TERMS

5.1 Transaction Processing and Finality

5.2 Transaction Success and Failure

• Successful Transaction: A transaction is deemed successful when the Telecom Operator confirms acceptance of the recharge, irrespective of whether the recharge was credited to the intended or unintended mobile number.
• Failed Transaction: A transaction is deemed failed only when the Telecom Operator rejects or fails to process the recharge request due to technical errors, system downtime, or other operator-side issues.
• Processing Time: Most recharges are processed instantly. However, processing times may vary depending on Telecom Operator systems, and the Company bears no liability for delays.
• Transaction Limits: The Company reserves the right to impose transaction limits, daily limits, or frequency restrictions at its sole discretion.

5.3 Cashback Terms and Conditions

• Guaranteed Cashback: Users receive a scratch card for every successful recharge transaction. Cashback is guaranteed and varies based on recharge value and ongoing promotional offers.
• Instant Credit: Cashback is credited instantly to your Laddoo Wallet when you scratch the digital scratch card received post-transaction.
• Cashback Forfeiture: Cashback earned on a refunded transaction (in eligible cases only) shall be automatically reversed and forfeited.
• Wallet Balance: Cashback accumulated in the Wallet can be used for future recharges or withdrawn to your registered bank account, subject to these Terms.
• Withdrawal Processing: Cashback withdrawals are processed within 1-3 business days to the registered bank account.
• Expiry: The Company reserves the right to impose expiry periods on cashback at its discretion, with prior notice to Users.
• Anti-Fraud Measures: The Company reserves the right to withhold, reverse, or forfeit cashback if fraudulent activity, abuse of promotional offers, or violation of Terms is detected.

6. PAYMENT TERMS AND FINANCIAL OBLIGATIONS

6.1 Payment Methods: Payments must be made through approved payment methods including UPI, debit cards, credit cards, net banking, or other methods as may be made available.

6.2 Payment Gateway: All payments are processed through third-party certified payment gateways. The Company does not store your complete payment credentials.

6.3 Transaction Fees: All prices displayed are inclusive of applicable taxes. The Company reserves the right to impose convenience fees or service charges with prior notice.

6.4 Authorization: By initiating a payment, you authorize the Company to charge the specified amount to your chosen payment method.

6.5 Failed Payments: If a payment fails due to insufficient funds, card expiry, or other payment-related issues, the recharge will not be processed, and you shall not be entitled to any cashback or services.

7. REFUND POLICY - STRICT LIMITATIONS

7.1 Refundable Scenarios (Exhaustive List)

Refunds shall ONLY be processed in the following exhaustive scenarios:

• Failed Transactions: Where the transaction failed and the recharge was NOT credited to any mobile number, but payment was deducted;
• Duplicate Charges: Where the User was charged multiple times for the same single transaction due to system error;
• Technical Errors: Where the Company's system malfunction caused an unauthorized or erroneous transaction;

7.2 Non-Refundable Scenarios (Exhaustive List)

7.3 Refund Processing

• Eligible refunds are processed to the original payment method within 5-7 business days;
• The Company reserves the right to conduct verification before processing refunds;
• Bank processing may take additional 3-7 business days;
• Refund requests must be submitted through the App with valid transaction proof;

8. PROHIBITED USES AND CONDUCT

8.1 You expressly agree NOT to:

• Use the Services for any unlawful purpose or in violation of these Terms;
• Engage in fraudulent activities, including use of stolen payment methods;
• Create multiple accounts to abuse cashback or promotional offers;
• Attempt to manipulate, hack, reverse engineer, or compromise the App's security;
• Use automated systems, bots, or scripts to access the Services;
• Resell, redistribute, or commercially exploit the Services;
• Transmit viruses, malware, or harmful code;
• Impersonate any person or entity;
• Interfere with other Users' use of the Services;
• Collect or harvest personal information of other Users;
• Violate any applicable laws, regulations, or third-party rights;

8.2 Consequences: Violation of these prohibitions may result in immediate account termination, forfeiture of cashback, legal action, and reporting to law enforcement authorities.

9. INTELLECTUAL PROPERTY RIGHTS

9.1 Ownership: All intellectual property rights in the App, including but not limited to software, design, trademarks, logos, content, and features, are owned exclusively by the Company or its licensors.

9.2 Limited License: Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to use the App solely for personal, non-commercial purposes.

9.3 Restrictions: You shall not copy, modify, distribute, sell, lease, or create derivative works from the App or any portion thereof.

10. DISCLAIMER OF WARRANTIES

10.2 The Company does not warrant that:

• The Services will meet your specific requirements or expectations;
• The Services will be uninterrupted, timely, secure, or error-free;
• Results obtained from using the Services will be accurate or reliable;
• Defects or errors will be corrected;
• The App or servers are free from viruses or harmful components;

11. LIMITATION OF LIABILITY

11.2 Aggregate Liability Cap: The Company's total aggregate liability for all claims arising out of or related to these Terms or the Services shall not exceed the amount paid by you to the Company in the six (6) months preceding the claim, or INR 500 (Indian Rupees Five Hundred), whichever is lower.

11.3 Third-Party Services: The Company shall not be liable for any acts, omissions, errors, or defaults of Telecom Operators, payment gateways, or other third-party service providers.

12. INDEMNIFICATION

12.1 You hereby agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services;
• Your violation of these Terms;
• Your violation of any rights of any third party;
• Your violation of any applicable laws or regulations;
• Any fraudulent or illegal activity conducted through your account;

13. TERMINATION

13.1 Company's Right: The Company may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including breach of these Terms.

13.2 Effect of Termination: Upon termination:

• Your right to use the App immediately ceases;
• All licenses granted to you under these Terms shall terminate;
• You must cease all use and delete the App from your devices;
• Outstanding cashback may be forfeited at the Company's discretion;
• Provisions that by their nature should survive termination shall survive, including indemnification, limitation of liability, and dispute resolution provisions;

14. DISPUTE RESOLUTION AND GOVERNING LAW

14.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

14.2 Jurisdiction: Any disputes arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts located in [Your City], India. You hereby irrevocably submit to the personal jurisdiction of such courts.

14.3 Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms shall first be attempted to be resolved through good faith negotiations. If negotiations fail, the dispute shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996.

15. MISCELLANEOUS PROVISIONS

15.1 Entire Agreement: These Terms constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements and understandings.

15.2 Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15.3 Waiver: No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.

15.4 Assignment: You may not assign or transfer these Terms or your rights hereunder without the Company's prior written consent. The Company may assign these Terms without restriction.

15.5 Force Majeure: The Company shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

15.6 Language: These Terms are executed in the English language. Any translation is for convenience only, and the English version shall prevail in case of conflict.

16. CONTACT INFORMATION

For any questions, concerns, or legal notices regarding these Terms, please contact us: