Terms and Conditions

1. INTRODUCTION

Thank you for using our platform (“Platform”) and Services (as dened below) through our mobile application and website (hereinafter referred to as the “App” or “Website”). Our platform is owned by Smart Recharge. (hereinafter referred collectively to as “SMART RECHARGE”) platform These Terms of Service (hereinafter referred to as the “Agreement,” or “Terms”) apply to access and use of the software including but not limited to Mobile application, Web Application, and any other relevant medium. This Agreement is a legally binding agreement between you (hereinafter referred to as the “you”, “your”, User(s)”) and SMART RECHARGE and/or its subsidiaries and aliates (together referred to as “we”, “us” or “our(s)”), governing the rights and obligations between you and SMART RECHARGE in respect of the Platform and Services.

By accessing and using our Platform, Website or App in any way, including, without limitation, browsing the Website, using any information, using any content, any services, etc., available therein, you agree to and are bound by these Terms of Service. If you do not accept these Terms of Service in full, please cease using our Platform, Website or App immediately, and contact us at smartrecharges9064@gmail.com

THESE PLATFORM TERMS HAVE BEEN DRAFTED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 (1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARIES GUIDELINES) RULES, 2011 (AS AMENDED) THAT REQUIRE PUBLISHING THE RULES AND REGULATIONS, PRIVACY POLICY AND TERMS OF SERVICE/ USER AGREEMENT FOR ACCESS OR USAGE OF THE APP AND RELATED SERVICES. THESE TERMS AND THE PLATFORM PRIVACY POLICY ARE COMPLIANT WITH INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OR INFORMATION) RULES, 2011 (AS AMENDED) WHEREVER APPLICABLE IN ANY MANNER. PLEASE READ THE TERMS CONTAINED IN THIS AGREEMENT CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION.

BY USING THE PLATFORM BY DOWNLOADING AND INSTALLING THE APP YOU ACCEPT THIS AGREEMENT AND AGREE THAT (A) YOU HAVE READ AND UNDERSTOOD THE AGREEMENT; AND (B) YOU ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS AND THE PLATFORM PRIVACY POLICY, REFERENCED HEREIN.

You represent and warrant to us that you will use the Platform in a manner consistent with all Applicable Laws, as dened in Section 2. We reserve the right to refuse access to use the Platform or to terminate access granted to existing Users at any time without according any reasons for doing so.

2. DEFINITIONS

In this Agreement, unless otherwise provides, the following words shall mean: “Applicable Laws” means any applicable Indian statutes, laws, ordinances, regulations, rules, orders, by-laws, administrative interpretation, writ, injunction, directive, judgment or decree or other instruments which has a force of law in India, as is in force from time to time; “Condential Data” means any information related to the User, which the User shares with Smart Recharge or submits on the App and/or Website and the proprietary information relation to Smart recharge or which the User may have come into possession of or pursuant to this Agreement; and

3. THE PLATFORM AND SERVICES

SMART RECHARGE, through its Platform, allows agents to sell various nancial and non-nancial products and services such as Demat account, credit, loans, saving accounts, etc. to their clients (“User-Clients”), and. India's Leading Mobile, DTH, OTT Recharge, & Bill Payment app, the best online recharge and bill payment app for all Mobile Recharge, DTH Recharge, OTT Subscription Recharge, Mobile Postpaid Bill Payment, Electricity Bill Payment, Water Bill Payment, LPG Cylinder Booking, Gas Bill Payment, Insurance Premium Payment, LIC Premium Payment, FASTag Recharge, Broadband Bill Payment and lone repayment and personal loan, business loan,and pan card and government service allows Users to manage money through our Platform (“Services”). All results generated by the Platform is made available on as-is and available basis based on the information you provide us.

4. TERRITORY

Platform, Website, and the App are only available for use and download, within the territory of India. If you have any questions regarding this Section, please email us at smartrecharges9064@gmail.com

5. PRIVACY POLICY

Our Privacy Policy describes how we handle the personal and business information (collectively “Personal Information”) you provide to us when you use or register on the Platform, the Website or the App. You understand that through your use our Platform, Website, or the App, you consent to the collection, processing, and use (as set forth in the Privacy Policy) of this information. Upon your written request, Smart Recharge will provide you with a list of all personal information that we store concerning you within sixty (60) days of receiving your request. Also, upon your prior written request, SMART RECHARGE will delete any such information within sixty (60) days of receiving your request. Notwithstanding this SMART RECHARGE can deny such requests, reasonably and in its sole discretion if it suspects fraud, misinformation or in any other situation permitted by law. Further, notwithstanding this if you ask SMART RECHARGE to delete all such information, we will not be able to continue to provide the access to the Website, App or Platform to you.

6. ELIGIBILITY & ACCESS RESTRICTIONS

To be eligible to use our Platform, Website, or the App, you must meet the following criteria and represent and warrant that you: (1) are not currently restricted from accessing our Platform, Website, or the App, or not otherwise prohibited from having an account, (2) are not our competitor, or are not using our Platform, Website, or the App for reasons that are in competition with us; (3) have full power and authority to enter into this Agreement and doing so will not violate any other agreement to which you are a party; (4) will not violate any of our rights, including intellectual property rights such as patent, copyright, and trademark rights; and (5) agree to provide at your cost all equipment, browser software, and internet access necessary to use our Platform, Website, or the App.

7. REGISTRATION ON OUR PLATFORM

You can access and use the Platform via (i) the App which can be downloaded and installed from the Google Play Store, or (ii) the Website at (smartrecharges.co). By registering on our Platform, you understand that: At the time of registration, you may be required to complete a verication process (“Verication”) as part of setting up your User account, as applicable that would enable you to use the Platform and access our Services (“Account”). Once you have successfully completed the Verication, as applicable, and have set up your Account, you will be given a username and your mobile number will be registered with the Platform using a One-time-Password (“OTP”) (together hereinafter referred to as “Access Credentials”). You are responsible for maintaining the condentiality of your Access Credentials and are fully responsible for all activities that occur through your Account. Should there be instances of any unauthorized use of your Account or Access Credentials or any other breach of security, you are required to notify SMART RECHARGE to stop processing requests from your Account, until further instructions.

During the registration process, you may be asked to provide SMART RECHARGE with yours and/or your UserClient’s mobile numbers, email, and any other information reasonably required to allow SMART RECHARGE or its subsidiaries, third party partners or nancial institutions (“Brand Partners”) to provide you with Services through our Platform.

By registering yours or your User-Client's phone numbers with SMART RECHARGE, you consent to be contacted by SMART RECHARGE via phone calls, WhatsApp, SMS notications or instant messages, in case of verications and in case of subscription/service/promotional updates. You may opt out of subscription/service/promotional updates upon following due procedure as highlighted by the support personnel over authorized channels.

If you provide SMART RECHARGE with your User-Client’s mobile number, email id or any other information, you certify and represent that you have their consent and permission to do so under all applicable laws. You further indemnify Smart Recharge from any claims, actions or liabilities arising from your breach of this Section

7.REGISTRATION ON OUR PLATFORM :

It is your responsibility to provide a correct mobile number, and email id for yourself and your User-Clients so that SMART RECHARGE can communicate with via various communication channels. You understand and agree that if SMART RECHARGE sends a communication to you but you do not receive it because the you have provided a mobile number that is incorrect, out of date or blocked or because you, or your User-Client, are otherwise unable to receive SMS, SMART RECHARGE shall be deemed to have provided the communication effectively.

8. USING THE PLATFORM

By visiting our website or mobile application, and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as “Resources”), agree to use these Resources only for the purposes intended as permitted by this Agreement, and/or Applicable Laws. Wherein, you understand that:

In order to access our Resources, you may be required to provide certain accurate, corrected and updated information about yourself as stated and described in our Privacy Policy. Accessing (or attempting to access) any of our Resources by any means other than through the means we provide is strictly prohibited. You specically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.

9. ACCESS TO PLATFORM, ACCESS RIGHTS AND RESTRICTIONS

Subject to your compliance with the terms of this Agreement, we grant you a limited, non-exclusive, revocable, non-transferable, non-licensable, non-sublicensable right to access and use our Platform, Website, and App strictly in accordance with this Agreement. You will not use, copy, adapt, modify, prepare derivative works based upon our Platform, Website, or the App, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit our Platform, Website, or the App, except as expressly permitted in these Terms . When accessing our Platform, Website, or the App, you need to make sure that your internet connection is adequate. You are solely responsible for your internet connection including and not limited to the applicable charges, rates, tariffs, and other fees that might apply.

YOU AGREE WE ARE NOT LIABLE FOR ANY DAMAGES OR INJURY RESULTING FROM YOUR ACCESS OR USE OF OUR PLATFORM, WEBSITE, OR THE APP. WE PROVIDE NO WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR WARRANTY OF MERCHANTABILITY. THERE IS NO WARRANTY WHICH WILL EXTEND BEYOND THE DESCRIPTION ON THE FACE HEREOF. ANY DAMAGE ALLEGED FOR A LOSS OR INJURY IS LIMITED TO THE FEE, IF ANY, PAID TO SMART RECHARGE FOR THE ABILITY TO ACCESS OR USE OUR PLATFORM, WEBSITE, AND/OR THE APP.

10. USER DECLARATION

You agree, acknowledge and declare that: you are availing the Services offered on the Platform out of your free will and volition; the amounts invested on the Platform are through legitimate and bonade sources only and does not involve and is not designed for the purpose of contravention or evasion of any Applicable Laws; you shall review and comply with notices sent by SMART RECHARGE, if any, concerning the Platform and Services; you shall review the Platform’s Privacy Policy, regularly as may be amended; and

11. RESERVATION OF RIGHTS AND USER CONDUCT

You acknowledge and agree that the Platform is provided for your use. Except to the extent necessary to access and use the Platform, nothing in this Agreement grants any title or ownership interest in or to any copyrights, patents, trademarks, trade secrets or other proprietary rights in or relating to the App/Website and the Platform whether expressly, by implication, by estoppel, or otherwise. SMART RECHARGE, its licensors, partners, and service providers reserve and will retain its entire right, title, and interest in and to the content on the Platform including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.

You may only access and use SMART RECHARGE for lawful purposes only. You are responsible for adhering to any and all laws, rules, and regulations that are applicable regardless of any previous knowledge or lack of knowledge about such laws, rules or regulations.

Any content uploaded by SMART RECHARGE on the application and website is for guidance and education purposes only. SMART RECHARGE does not hold any liability on the accuracy of the content provided. You are responsible to verify each content before sharing, or modifying it.

SMART RECHARGE rights and protections as stated in these Terms are equally applicable to any internet service provider that it has selected to host SMART RECHARGE or any related resources. You expressly agree not to: duplicate, copy, adapt, modify, prepare derivative works based on the Platform to license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit the Platform (excluding any User content);

reverse engineer, download, decompile, disassemble, decipher, capture screen shots, or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Platform or any part thereof;

commit or cause to be committed any criminal offense or encourage conduct that would constitute a criminal offense or give rise to a civil liability, or otherwise violate any local, state, federal or international law or regulation;

upload, post, e-mail or otherwise transmit any content that is unlawful, defamatory, harassing, abusive, invasive of another’s privacy, infringes upon the rights of third parties, harmful, wrongful, or obscene; harm any minors in any way; upload, post, e-mail or otherwise transmit any material, information or content that you do not have a right to transmit under law or contractual relationship;

upload, post, email or otherwise transmit any material, information or content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any other individual, party or entity. disguise the origin of the material, information or content by omitting or obscuring copyright or authorship, or by forging headers or otherwise manipulating identiers;

upload, post, e-mail or otherwise transmit any unsolicited advertising, promotional materials, or other forms of solicitation, such as “junk mail”, “spam”, “chain letters”, or “pyramid schemes”; upload, post, e-mail or otherwise transmit any material, information or content that contains software virus or any other computer code, le or program that would interfere with the functionality of any computer software, hardware or telecommunication equipment.

disrupt the normal communication or otherwise act in such a way that would negatively impact other users’ ability to engage in real-time exchanges; impersonate or claim a relationship with or speak for any individual, business, association, institution, or other organization, including, but not limited to SMART RECHARGE for which you have no authorization to do so or to claim such a relationship;

interfere with or disrupt the services or servers or networks connected to the services, or disobey any requirements, procedures, policies, or regulations of networks connected to the services and/or this website. collect or store personal data about other users or User-Clients in a manner incompatible with Applicable Laws; stalk or otherwise harass any individual; utilize information, content or any data you view on and/or obtain from the Platform to provide any service that is competitive with us; rent, lease, loan, trade, sell/re-sell access to the Platform or any information therein, or the equivalent, in whole or part;

use malware or any other means that impair optimal functioning of the App and/or Website; engage in “framing”, “mirroring”, or otherwise simulating the appearance or function of the Website or App; attempt to or actually override any security component included in or underlying the App and/or the Platform; engage in any action that interferes with the proper working of or places an unreasonable load on our infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorised access, or transmission or activation of computer viruses;

remove any copyright, trademark or other proprietary rights notices contained in or on the App and on the Platform including those of both SMART RECHARGE or any of our partners; use any information obtained from the App and/or the Platform to harass, abuse or harm another User; violate the provisions of the Information Technology Act, 2000 and rules and regulations thereunder (as updated) and any applicable data protection laws;

host, display, upload, modify, publish, transmit, update or share any information that is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever, or infringes any patent, trademark, copyright or other proprietary rights of a third-party or impersonates another person or threatens public health or safety; promotion of cigarettes or any other tobacco products or consumption of intoxicant including alcohol or threatens critical information infrastructure. post anything on social media which is detrimental to the reputation of the platform SMART RECHARGE or to its partner brands. In case any violation is found your account will be blocked and earnings frozen.

12. USER GENERATED CONTENT

We may provide various open communication tools on our website, such as blog comments, posts, photos, videos, courses, public chat, forums, message boards, newsgroups, reviews, various social media services, etc. You understand that we do not pre-screen content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website (“User Generated Content”), then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that upload, post, share, or otherwise distribute any content that.

13. OWNERSHIP, PROPRIETORY INFORMATION AND INTELLECTUAL PROPERTY RIGHTS

You agree that the Platform including the graphics, our trademarks and editorial content contains proprietary content, information, and material, which are owned by SMART RECHARGE and/or our licensors, including our customers, brands and agencies and partners, and are protected by applicable intellectual property and other laws, including but not limited to copyright. All content and materials available on SMART RECHARGE, including but not limited to text, graphics, website name, code, images and logos are either the intellectual property of SMART RECHARGE or under licensed use by Vitrak, and are protected. Any inappropriate, unauthorized, or prohibited use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specically authorized.

14. INDEMNITY

Users agree to indemnify and hold SMART RECHARGE, its parent company, ocers, subsidiaries, aliates, successors, assigns, directors, ocers, agents, service providers, suppliers and employees (“Indemnitees”), harmless from any claim or demand, including penalty, reasonable attorney fees and court costs, made by any third party due to or arising out of (i) content submitted by the User, (ii) Users’ use of the service, (iii) violation of the Terms of Service or Privacy Policy, (iv) breach by the user of any of the Terms, representations and warranties herein, (v) the negligence, fraud, or willful misconduct of User, User’s agents, or contractors; (vi) incorrect information provided by User in User’s Account or elsewhere; or (vii) a failure by User or User’s agents, contractors, or invitees to comply with applicable laws and regulations.

15. NO RESALE OF SERVICE

Under no condition, you should collect any money or benet from any person, including a User-Client on the pretext of providing services through the Resources or using the name of `SMART RECHARGE` or its aliates, partners, advisors, directors or employees. In case of breach of trust, you will be liable to return such money to such person or User-Client immediately and indemnify SMART RECHARGE. SMART RECHARGE shall have the right to disable your Account with immediate effect.

16. DEALINGS WITH THIRD PARTIES

The Platform may also include access to products and services of independent third parties either directly or via links to sites operated by such third parties. Where these products and services of third parties form part of the Platform, we will endeavor, but are not obliged to, indicate that these products and services are provided by third parties. In all cases, your correspondence or business dealings with, or participation in promotions of, other parties found on or through the Platform (including without limitation providers of products and services, advertisers and other users of the Platform), including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party, even where it is in relation to any products or services that are co-branded with us which may include our trademarks. You agree that we shall not be responsible or liable in any way for any loss or damage of any sort incurred as the result of any such dealings with any third parties, as the result of the presence of such third parties on the Platform, or as the result of the use of the Service in any way by such third parties.

17. LINKS

The Platform may provide, or third parties may provide, links to other World Wide Web or other online electronic sites or resources. You acknowledge that SMART RECHARGE has no control over such sites and resources, you acknowledge and agree that SMART RECHARGE is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that SMART RECHARGE shall not be responsible or liable, in any manner whatsoever, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such, goods or services available on or through any such site or resource

17. INSURANCE TERMS AND CONDITION

Term and Conditions: TERMS OF USE
We at Smart Recharge and Services (“our”, “us”, “we”, “Company”, “ezytm technology”) have developed the website – smartrecharges.co and/or its mobile application (“Platform”) and are pleased to extend the Platform to you as a user or visited (“you”, “your”, “User” and/or “Visitor”). WHEN YOU AVAIL ANY OF THE SERVICES OR PRODUCTS ON / OR THROUGH THE PLATFORM (“SERVICE/S”), YOU WILL, IN ADDITION TO THESE TERMS OF USE, BE SUBJECT TO THE RULES, GUIDELINES, POLICIES, TERMS, AND CONDITIONS APPLICABLE TO SUCH SERVICE/PRODUCTS, AND THEY SHALL BE DEEMED TO BE INCORPORATED INTO THIS TERMS OF USE AND SHALL BE CONSIDERED AS PART AND PARCEL OF THIS TERMS OF USE.

Please read these terms of use (“Terms” / “Terms of Use”) carefully before you use the Platform. smart recharge (each an “Insurance Aliate”, together the “Insurance Aliates”) have additional Terms of Use. WE RESERVE THE RIGHT, AT OUR SOLE DISCRETION, TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS OF USE, AT ANY TIME WITHOUT ANY PRIOR WRITTEN NOTICE TO YOU. YOU SHALL ENSURE TO REVIEW THESE TERMS OF USE PERIODICALLY FOR UPDATES/CHANGES. YOUR CONTINUED USE OF THE PLATFORM FOLLOWING THE POSTING OF CHANGES WILL MEAN THAT YOU ACCEPT AND AGREE TO THE REVISIONS.

AS LONG AS YOU COMPLY WITH THESE TERMS OF USE, WE GRANT YOU A PERSONAL, NON-EXCLUSIVE, NON-TRANSFERABLE, LIMITED PRIVILEGE TO USE THE PLATFORM. BY ACCEPTING THESE TERMS OF USE, YOU ALSO ACCEPT AND AGREE TO BE BOUND BY OUR POLICIES INCLUDING BUT NOT LIMITED TO PRIVACY POLICY AS AMENDED FROM TIME TO TIME. WE ACCEPT NO RESPONSIBILITY FOR THE PROVISION OF SERVICES AND/OR INSURANCE PRODUCTS BY THE INSURANCE AFFILIATE/S. WE ARE NOT LIABLE FOR ANY LOSSES THAT MAY OCCUR AS A RESULT OF THE ACTS OR OMISSIONS OF THE INSURANCE AFFILIATE/S.

• 1. ACCEPTANCE OF TERMS OF USE:
  

  BY CLICKING “I AGREE” TO “TERMS OF USE”, YOU GIVE YOUR UNCONDITIONAL ELECTRONIC ACCEPTANCE TO THIS AGREEMENT UNDER THE INFORMATION TECHNOLOGY ACT 2000. This Platform will be deemed to be in use when it is loaded/ loading and/or continues to be loaded in a temporary or permanent memory of your computer, phone, tablet or any other similar device / system, or the internet browser thereof.

• 2. ELIGIBILITY :
  

  The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter a contract in India. If you do not qualify, you may not use the Service or access the Platform.

• 3. YOUR ACCOUNT AND ITS SECURITY :
  

  You will be required to create an account on the Platform to avail or seek information on our Services / products or to utilize the full features of the Platform including to avail the services / products of the Insurance Aliates (“Your Acko Account”). All your actions, acts and omissions on the website and the mobile may be consolidated and reected in Your Acko Account on the Platform. You will be able to access Your smart recharge Account from the website or the mobile app of the Platform with the same login credentials, as the case may be.

  You agree that if you create an account on the Platform, you are responsible for maintaining the security of Your smart recharge Account and you are fully responsible for all activities that occur under Your Acko Account and any other actions taken in connection with it.

  To create Your smart recharge Account, you must provide us with your phone number, which we may authenticate with a one-time password. You must also permit us to gain access to your nancial or other SMS, contacts, location data, storage and such other device data as we may require you to provide our Services to you or for the Insurance Aliate to provide their services / products to You. You have to provide us with the details, information, access and data as prompted on the Platform (with supporting documents to the satisfaction of our Insurance Aliate). Please read the Privacy Policy for details.

  You must immediately notify us of any unauthorized use of Your smart recharge Account or any other breach of security of Your smart recharge Account within your knowledge. We will not be liable for any acts or omissions by you or any third party, including any damages of any kind incurred as a result of such acts or omissions.

  You agree that we may suspend, disable, or delete Your smart recharge Account (or disable any feature or any part thereof) if we determine that you have violated any provision of these Terms of Use or that your conduct could, would or is likely to damage our reputation and/or goodwill and/or have a detrimental effect on our business or nancial conditions, or lead to a violation of the provisions of any applicable law, in our sole and independent discretion. We may block your email address and internet protocol address to prevent further registration / use / access.

  You conrm and agree that you will maintain only one account on the Platform and will be the sole and exclusive owner of Your smart recharge Account on the Platform, and accepts sole responsibility for use, condentiality and protection of your user ID and password for Your smart recharge Account. Additionally, you are prohibited from selling, trading, or otherwise transferring Your Acko Account to another person / party. Subject to applicable laws, all transactions, which cannot be carried out instantaneously, shall be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specied by the relevant Insurance Aliate depending upon the time of logging of the transaction subject always to the requirements under applicable laws.

  All transactions that are carried out shall be subject to notications, the rules, regulations and guidelines issued by the IRDAI, the Reserve Bank of India (“RBI”), and those of other regulatory bodies dening rules and regulations governing the offer of any service and/or products.

  Providing false or incorrect information or details of any kind at the time of creation of Your smart recharge Account or any time thereafter may result in the suspension or termination of Your Acko Account and/or the policy/ies (to the extent permitted under applicable laws).

• 4. RESTRICTIONS ON USE :
  

  You understand and acknowledge that we and/or our Insurance Aliates all the rights for the information, contents, audio, video, logos and trademarks, including text, images, graphics, videos and sound contained in this Platform and/or the Services or any product on the Platform or otherwise (“Material”). You understand and agree that any reproduction, modication, creation of derivative works, distribution, transmission, copying, selling, displaying, publishing or using any of the information, contents, audio, video, logos and trademarks contained in this Platform or any Material or part thereof for any purpose whatsoever, whether electronically or otherwise, without our / Our Insurance Aliates permission is strictly prohibited. We grant you a personal, non-exclusive, non-transferable, limited license to access the Platform and privilege to avail the Services and make personal use of the Platform and/or the Services including to the Insurance Aliate/s. You may use and/or download material displayed on this Platform for your personal use only, provided that you also retain the logos, brand-names and markings pertaining to all trademark, copyright and other proprietary notices contained in the Materials. You agree not to use, transfer, distribute or dispose of any information contained on the Platform or the Material in any manner whatsoever. This limited license does not confer any right to download, copy, create a derivative work, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Platform / Services.

  You do not have the right to use any of Our or the Insurance Aliate’s, trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be axed to or contained within the Platform / Services or in the Materials of the Insurance Aliate. You further acknowledge and arm that you shall not: Engage in fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. We and the Insurance Aliate/ss will fully cooperate with any law enforcement, statutory or regulatory authority/ies or court order requesting or directing us to disclose the identity or personal data of anyone posting any such information or materials.

  Copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper in any way or otherwise use any Materials contained in the Platform. These restrictions apply in relation to all or part of the Materials on the Platform.
  Copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system.

• 5. CYBER SECURITY :
  

  You warrant, represent and agree that you will not: Participate in any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Platform or us or the Insurance Aliate’s systems or networks, or any systems or networks connected to the Platform or to us or the Insurance Aliates.

  Use any device, software or routine to interfere or attempt to interfere with the proper working of the Platform or any transaction being conducted on the Platform, or with any other person’s use of the Platform. Attempt to probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor to breach the security or authentication measures on the Platform or any network connected to the Platform. Attempt to reverse look-up, trace or seek to trace any information on any other user of or visitor to the Platform.

  Use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform or any content, or in any way reproduce or circumvent the navigational structure or presentation of the Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Platform.

  Attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform or to any of our or the Insurance Aliates server, or to any of the services offered on or through the Platform or by the Insurance Aliate, by hacking, password “mining” or any other illegitimate means.

  Attempt to forge headers or otherwise manipulate identiers in order to disguise the origin of any message or transmittal you send to us or the Insurance Aliate on or through the Platform or any service offered on or through the Platform. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

  Attempt to use the Platform or any content for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or Insurance Aliates or others.

  Attempt to knowingly or intentionally penetrate or access our network or systems without authorization or exceeding authorized access; and by means of such conduct carry out an unauthorized transaction or obtain access to information, data or computer database that is restricted.

  Attempt to introduce or cause to introduce any computer contaminant and by means of such conduct cause or be likely to cause damage or destruction to our property or disruption of our / the Insurance Aliates’ services. The User shall pursue all necessary steps to ensure that their machines are virus free while accessing the Platform or any services of the Insurance Aliate/s. The User shall refrain from activities like uploading les infected with viruses or malicious scripts/ programs or trying to infect the us or the Insurance Aliates system with viruses, worms and/or other malicious codes.

  Unethical practices. The User warrants that the User will not use any software, tool or code that would hamper or disable all or any portion of the Platform offered by us or the services/products offered by the Insurance Aliate. The User also warrants against use of reverse engineering tools to break or harm the portals or services offered by us or the Insurance Aliates.

• 6. THE INSURANCE AFFILIATE AND YOUR POLICY
  :
  

  Your insurance is going to be sanctioned by the Insurance Aliate and be governed by the applicable policy document/s and the applicable laws. The details of such policy, however, shall be shown on Your smart recharge Account on the Platform for your ease of reference. smart recharge does not offer or solicit any insurance products.

  If you are availing an insurance product from the Insurance Aliate, once the Insurance Aliate accepts the proposal and issues you the insurance policy/ies, we will display the relevant policy documents to you with respect to such insurance product/s and services also. You hereby grant us the right to store, access and process the policy document/s to display the policy details to you in Your Acko Account and provide the Services. Please read the Privacy Policy for details.

  You will be required to issue appropriate auto-debit instructions for your bank account for the payment of the premium amounts to the Insurance Aliates. The relevant Insurance Aliate’s will display the details of the premium amount, including the due date and amount payable, as well as whether your payment was received or not, from time to time. Please read the respective terms of use and the policy documents for details. The Insurance Aliates directly disburse the claim amounts, as stated under the Claim Form or on the Platform while ling for the claim, to the bank account of your choice, as per the policy documents and applicable laws. Prior to making this transfer, however, the Insurance Aliate will ensure compliance with all applicable laws including to verify your bank account.

  Please note that a copy of your insurance policy/ies, due dates for payment of premiums, option to renew your insurance policy/ies, initiating the claims process and other updates on your insurance policy/ies are made available through the Platform in Your smart recharge Account. Given these reasons and for facilitating a seamless digital journey, you are advised not to remove the Platform from your device until the policy/ies has expired. In case you are compelled to remove the Platform or delete Your Acko Account from your electronic device, please reach out to us immediately on the details provided in the “Contact Us” Section. Users who have availed our Services or the services / products of any Insurance Aliate may not, prior to such Services being completed/closed, either uninstall or delete Your Acko Account or the Platform from your electronic device. Such Users may further note, that in the event you either delete the Platform from your device or request for deletion of Your smart recharge Account at any point prior to the closure of the respective Services by us or the Insurance Aliate/s, such an act will not extinguish your responsibilities under the applicable documents/policies/laws.

  Any decision to purchase any policy/product/service of the Insurance Aliate will be based solely on your independent evaluation of the policies/products of the Insurance Aliate, and your need for the same. You shall be responsible for assessing and determining whether the policies/products offered by the Insurance Aliate satisfy your requirements. Additionally, you will be responsible for assessing the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Platform and you should consult their own legal counsel, business advisor and tax advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.

• 7. INDEMNITY :
  

  In consideration of us providing the Platform / Services, you shall, at your own expense, indemnify and hold us and the Insurance Aliates, including the directors and employees, representatives, agents and/or, as the case may be, indemnied against all losses and expenses on a full indemnity basis which we or our Insurance Aliates, may incur, sustain, suffer or is likely to suffer in connection with (i) our, or Insurance Aliate’s execution of the your instructions (through Your Acko Account or otherwise), (ii) your breach of any Terms of Use, (iii) fraud, misconduct, negligence or misrepresentation, and/or (iv) breach of any applicable laws. The User shall pay, on demand, to us or our Insurance Aliates, such amount as may be determined by us, and/or the Insurance Aliates to be sucient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.

• 8. DISCLAIMERS AND LIMITATION OF LIABILITY :
  

  UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, MISCONDUCT OR DEFAULT, SHALL WE OR OUR INSURANCE AFFILIATES, ITS EMPLOYEES AND DIRECTORS, ITS SUPPLIERS AND/OR ITS THIRD PARTY ADVISORS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING PUNITIVE OR EXEMPLARY (INCLUDING, BUT NOT LIMITED TO, DAMAGES CAUSED BY ANY VIRUS, PERSONAL INJURY, LOSS OF PROFITS, DATA OR OTHER INTANGIBLE, BUSINESS INTERRUPTION, LOSS OF PRIVACY, OR ANY OTHER PECUNIARY LOSS), ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE/DELIVERY/PERFORMANCE OF THIS PLATFORM OR THE SERVICES, WITH THE DELAY OR INABILITY TO USE THIS PLATFORM OR ANY LINKS OR ITEMS ON THE PLATFORM, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THIS PLATFORM, OR OTHERWISE ARISING OUT OF THE USE OF THIS PLATFORM, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, OR RESULTING FROM THE USE OF THIS PLATFORM OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE PLATFORM /SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT ACCEPT RESPONSIBILITY FOR ANY AMOUNTS TRANSFERRED TO YOUR BANK ACCOUNT OR ANY REMITTANCE TO YOUR ACCOUNT THAT HAS FAILED.

  WHILE WE HAVE MADE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS PLATFORM, ERRORS OR OMISSIONS SOMETIMES OCCUR, THE PLATFORM, THE MATERIAL AND ANY CONTENT ON THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY ANY APPLICABLE LAWS, WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE CORRECTNESS, ACCURACY, COMPLETENESS, ADEQUACY, RELIABILITY, OR OTHERWISE OF THE CONTENT OF THIS PLATFORM, NOR DO WE ACCEPT ANY LIABILITY ARISING THEREFROM. WE DO NOT REPRESENT OR WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS OR BE UNINTERRUPTED OR ERROR FREE.

  THE INSURANCE POLICY/IES FORM A BI-PARTY AGREEMENT BETWEEN YOU AND THE RESPECTIVE INSURANCE AFFILIATE/S. POLICY/IES ARE MARKETED AND/OR DISTRIBUTED SOLELY BY INSURANCE AFFILIATES AS PER THE REQUIREMENTS OF IRDAI / APPLICABLE LAWS, AND ARE NOT IN ANY WAY ASSOCIATED TO, US OR THE PAYMENT GATEWAY SERVICE PROVIDER, AND NEITHER WE NOR THE PAYMENT GATEWAY SERVICE PROVIDER SHALL BE LIABLE FOR THE SAME. THE INSURANCE AFFILIATE/S ARE REGULATED BY THE IRDAI AND DO NOT OFFER ANY NON-INSURANCE RELATED PRODUCTS AND/OR SERVICES, AND THE INSURANCE AFFILIATE/S ARE NOT RESPONSIBLE OR LIABLE FOR ANY SERVICES OR PRODUCTS OFFERED OR SOLD BY US.

  WE ARE A TECHNOLOGY PLATFORM, AND WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY SERVICES OR PRODUCTS OFFERED OR SOLD OR SERVICES BY THE INSURANCE AFFILIATE/S. NOTHING IN OUR TERMS OF USE AND PRIVACY POLICY WILL PREVENT US OR THE INSURANCE AFFILIATE/S FROM COMPLYING WITH THE APPLICABLE LAWS. IN NO EVENT SHALL OUR OR THE INSURANCE AFFILIATE/S AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED INR. 1000/-.

  We and/or the Insurance Aliates shall not be liable if any transaction does not fructify or may not be completed. We or the Insurance Aliates will not be held responsible for any delay or failure to comply with our obligations if the delay or failure arises from any cause/s which is beyond our reasonable control or not attributable to us or the Insurance Aliates or due to your acts or omissions.
  We and the Insurance Aliates do not assume any responsibility, and are not liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Platform or your downloading of any materials, data, text, images, video, or audio from the Platform. Please note that there is no guarantee that any email sent by you will be received, or that the contents of any such email will remain private during internet transmission and that there are inherent risks involved in sending the instructions/Communications/documents by electronic means and hereby agree and conrms that all respective risks shall be fully borne by you who assumes full responsibility for the same. In this regard, you will not hold us and the Insurance Aliate liable and hereby hold us and the Insurance Aliate harmless from any demands, actions, liabilities, losses, damages, expenses or claims.

• 9. LINKS TO OTHER WEBSITES
  

  Although this Platform and/or the Services offered herein may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or aliation with any linked website, unless specically stated herein. We or the Insurance Aliates are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites / apps including those of the Insurance Aliates. We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties including the Insurance Aliates.

  You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Platform. Your usage or access to any other off-site websites is at your own and sole risk. We will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties under any circumstance whatsoever.

  We or the Insurance Aliates may, from time to time, display offers and advertisements from third parties on our Platform for your benet. However, this does not mean we endorse these third parties. If you accept any of the services of such third parties, such arrangement shall be solely between you and the third party, you should avail yourself of such services only after you have read their terms of use and privacy policies. References on this Platform to any names, marks, products or services of third parties or hyperlinks to third party websites or information are provided solely for your convenience and do not in any way constitute or imply our endorsement, sponsorship or recommendation of the third party, information, product or service.

• 10. RESERVATION OF RIGHTS
  

  We and the Insurance Aliates reserves the right to monitor the Platform, Your Acko Account and all its content, and to disclose any information as necessary to satisfy any law, regulation or governmental request whether by the IRDAI, RBI, or any other law / authority, or to edit, remove any information or materials, in whole or in part, that in our or the Insurance Aliate’s sole discretion are objectionable or in violation of these Terms, with or without prior notice to you.

  You can review the most current version of the Terms of Use at any time on this page. We and the Insurance Aliates reserve the right to update, change or replace any part of these Terms by posting updates and changes to this page, with or without notice to you. It is your responsibility to check our Platform periodically for changes. Your continued use of or access to our Platform or the Service or any service / product of the Insurance Aliate following the posting of any changes to these Terms of Use constitutes unconditional acceptance of the said changes.

  We reserve the right to change, suspend, block, discontinue or restrict all or any feature of the Service or Platform at any time.

  WE AND/OR THE INSURANCE AFFILIATES MAY TRANSFER OR ASSIGN RESPECTIVE RIGHTS AND OBLIGATIONS UNDER THESE TERMS OF USE TO ANY AFFILIATE OR ANY THIRD PARTY TO THE EXTENT PERMITTED BY ANY APPLICABLE LAWS, WITH OR WITHOUT NOTICE TO YOU. We and the Insurance Aliates reserve the right to reward Users under reward programs offered on the Platform from time to time for use of the Platform or the Services to the extent permitted by applicable laws. Such programs shall be subject to additional terms and conditions as may be notied with the reward / offer or scheme.

• 11. PRIVACY POLICY :
  

  For accessing or using this Platform or Services or the products / services offered by the Insurance Aliate/s, the Privacy Policy shall be applicable to your personal data. By using this Platform and /or Service or any accessing any part thereof, you signify your acceptance of the Privacy Policy displayed on the Platform. If you disagree with the contents of the Privacy Policy, We or the Insurance Aliates may not be able to extend the Platform and/or the Services and/or all features / functionalities to you.

• 12. DND PERMISSION AND PUSH NOTIFICATION :
  

  You authorize us and the Insurance Aliates or service providers / partners to call, send SMS, messages via WhatsApp or any other electronic application means, and email on the contact number and email ID (made available by you on our Platform or otherwise voluntarily provided by you) and offer you information and services for the product you have opted for. You authorize us and the Insurance Aliates to call, send SMS, message via electronic means or email you for the purpose mentioned under these Terms of Use, irrespective of whether you are registered with the NDNC registry. You also agree that we and the Insurance Aliates reserve the right to make your details available to its other aliates and service providers / partners, and you may be contacted by the aliates and/or partners for information and for sales through email, telephone and/or SMS or other modes of communication. You agree to receive promotional materials and/or special offers from us, the Insurance Aliates, our aliates and our partners through email, phone, SMS or other forms of messaging and/or calling services.

  We may notify you of any relevant information pertaining to your use of the Services by push notication on the Platform, SMS, call, WhatsApp, instant messaging services or email or through any other means that we / the Insurance Aliate may deem appropriate.

• 13. MISCELLANEOUS :
  

  The invalidity of any term of these Terms of Use shall not affect the validity of the other provisions of these Terms of Use. Our failure to exercise any remedy or enforce any portion of these Terms of Use at any time shall not operate as a waiver of any remedy or of the right to enforce any portion of the Terms of Use at any time thereafter.

  Smart recharge (recharge and bill payment) trams and condition Terms and Conditions Your website may use the Terms and Conditions given below.

  The terms "We" / "Us" / "Our"/”Company” individually and collectively refer to VM and the terms "Visitor” ”User” refer to the users. This page states the Terms and Conditions under which you (Visitor) may visit this website (“http://smartrecharges.co/”). Please read this page carefully. If you do not accept the Terms and Conditions stated here, we would request you to exit this site.

  The business, any of its business divisions and / or its subsidiaries, associate companies or subsidiaries to subsidiaries or such other investment companies (in India or abroad) reserve their respective rights to revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to reappraise yourself of the Terms and Conditions, because they are binding on all users of this Website. USE OF CONTENT All logos, brands, marks headings, labels, names, signatures, numerals, shapes or any combinations thereof, appearing in this site, except as otherwise noted, are properties either owned, or used under licence, by the business and / or its associate entities who feature on this Website. The use of these properties or any other content on this site, except as provided in these terms and conditions or in the site content, is strictly prohibited. You may not sell or modify the content of this Website or reproduce, display, publicly perform, distribute, or otherwise use the materials in any way for any public or commercial purpose without the respective organisation’s or entity’s written permission. ACCEPTABLE
  WEBSITE USE:

  (A) Security Rules Visitors are prohibited from violating or attempting to violate the security of the Web site, including, without limitation,
  

  • (1) accessing data not intended for such user or logging into a server or account which the user is not authorised to access,
  • (2) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorisation,
  • (3) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus or "Trojan horse" to the Website, overloading, "ooding", "mail bombing" or "crashing",
  • (4) sending unsolicited electronic mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. The business and / or its associate entities will have the right to investigate occurrences that they suspect as involving such violations and will have the right to involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. virus or "Trojan horse" to the Website, overloading, "ooding", "mail bombing" or "crashing",

  (B) General Rules Visitors may not use the Web Site in order to transmit, distribute, store or destroy material
  

  • (a) that could constitute or encourage conduct that would be considered a criminal offence or violate any applicable law or regulation,
  • (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity of other personal rights of others,
  • (c) that is libellous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful. INDEMNITY

Contact number: 8617014757

Email ID: smartrecharges9064@gmail.com

Address : 114,JHENTLA KESHPUR PASCHIM MEDINIPUR 721150