Terms & Conditions | Kashware Kard & App

IMPORTANT

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy Wallet terms and conditions for access or usage of Kashware Wallet issued by RBL through Kashware App/website.

Before you use your Kashware Wallet – issued by RBL Bank, please read these TERMS & CONDITIONS carefully. By downloading/accessing/using the Kashware Wallet – issued by RBL Bank, you are accepting the Terms and Conditions set out below and will be bound by them. Unless the context requires otherwise the terms defined shall have the same meaning attributed to them herein or in the Kashware user terms and conditions:

DEFINITIONS

"Business Days" shall mean any day on which RBL Bank and Kashware are open for business in India.

"Customers" shall mean Kashware Buyer using Kashware Services.

"Merchants" shall be Kashware Sellers who use Kashware Services for collecting payments from the Wallet holder and who are specified by Kashware from time to time.

"Kashware" shall mean Kashware Technologies Private Limited, a private limited company incorporated in India under the Companies Act 1956 and having its registered office at - C-101, Green Home Society Sector 52 GURGAON Gurgaon HR 122002 IN who as the co-brand Partner will market & distribute the Wallet through its Kashware App & Site to its selected customers/employees/affiliates/merchant partners/ any other individuals for making payments to them OR collecting payments from them through the prepaid instruments.

"Kashware Wallet issued by RBL Bank" (also termed as Wallet ') means a semi-closed prepaid payment instrument (issued by RBL Bank and which is co-branded with Kashware in the form of a virtual Wallet. The Wallet shall function as a prepaid payment instrument, which will be issued by the Bank on Kashware Site: www.Kashware.com and only be used on the Kashware Site to make payments for goods and services purchased from Merchants as specified on the Kashware Site or for transfer of funds from one Wallet holder's Wallet to another Wallet holder's Wallet or for any such other reasons as mutually agreed from time to time. The Kashware wallet stores e-money, an electronic alternative to cash that can be used to pay for goods and services, in-store or online, and to take money out at an ATM. You can at any time until the termination of these Terms, request us to redeem your e-money in whole or in part. If you will ask to redeem your e-money on or up to one year after the date of the termination of these Terms, the total monetary value of the e-money shall be redeemed.

"Kashware Site" shall mean website having the domain www.Kashware.com and/or mobile application having the name Kashware, which are owned and operated by Kashware Technologies Private Limited through which the Bank shall issue the Wallet and Kashware shall distribute the Wallet and enable obtaining instructions from Wallet holder to credit funds in and/or utilize funds from the Wallet.

"RBI" shall mean the Reserve Bank of India.

"RBL Bank" or "Bank" or "RBL" shall mean the Ratnakar Bank Limited, a scheduled commercial bank and having its registered office at Shahupuri, Kolhapur- 416 001 and its authorized service provider/s or agent/s engaged for this program, who will issue the Wallet through the Kashware Site.

“Wallet holder" means the Customer of Kashware who is enrolled in relation to Wallet Services has been issued a Wallet and is authorized to use the Wallet in accordance with the terms of these Terms and Conditions.

"Wallet Services" or "Services" shall mean the Wallet services as detailed under this Agreement.

"Terms and Conditions" shall mean these terms and conditions

"Transaction" means an online purchase of Products from or the making of Payments for the specified purposes to a Merchant by the Wallet holder using his Wallet.

INTERPRETATIONS

All references to the singular include the plural and vice versa and the word "includes" should be construed as "without limitation".

Words importing any gender include the other gender.

Reference to any statute, ordinance, or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments, or replacements for the time being in force.

All headings, bold typing, and italics (if any) have been inserted for convenience of reference only and do not define, limit or affect the meaning or interpretation of these terms.

THESE TERMS AND CONDITIONS SHALL BE READ ALONG WITH THE KASHWARE USER TERMS AND CONDITIONS. IN THE EVENT OF ANY DISCREPANCY/CONTRADICTION BETWEEN THESE TERMS AND CONDITIONS AND THE KASHWARE USER TERMS AND CONDITIONS, THESE TERMS AND CONDITIONS SHALL PREVAIL TO THE EXTENT OF SUCH CONTRADICTION/DISCREPANCY.

ISSUANCE OF WALLET

The Wallet will be issued by RBL Bank to Kashware Customers on the request of the Customer and pursuant to the Customer making an application for registration of the Wallet and agreeing to these Terms and Conditions and other applicable terms and conditions in the manner prescribed by RBL Bank and Kashware in this regard. Provided that the Customer has fulfilled the eligibility and KYC criteria and provided all relevant information and/or documentation requested by Kashware /RBL.

A Customer desirous of opening a Kashware Wallet issued by RBL should apply to RBL using the Kashware Site or Merchant platforms as mentioned on the Kashware Site and accept the Kashware Wallet Terms and Conditions.

RBL reserves the right to reject any application made for opening a Wallet without assigning any reason.

ELIGIBILITY AND WALLET REGISTRATION

The Services are available only to resident Indians who have attained a certain age and are competent to contract. By accepting these Terms & Conditions or by otherwise using the Services or the Kashware App / Site, you represent that you are an Indian resident and have not been previously suspended or removed from the Wallet Services. You represent and warrant that you have the right, authority, and capacity to enter into these Terms and Conditions and to abide by all of the terms and conditions contained herein. You shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age, or affiliation with any person or entity.

In order to register, create and use a Wallet, RBL may require that you submit certain personal information, including but not limited to your name, mobile phone number, e-mail address, date of birth, preferred language of communication, etc. to Kashware and RBL. You agree that the personal information you provide to RBL upon registration and at all other times will be true, accurate, current, and complete. You agree to maintain and update this personal information to keep the personal information true, accurate, and complete.

You hereby authorize RBL and Kashware, directly or through third parties, to make any inquiries that RBL may consider necessary to validate your identity and/or authenticate your identity and Wallet information. This may include asking you for further information and/or documentation about your account usage or identity or requiring you to confirm identification by furnishing KYC documentation, ownership of your email address, telephone number, or financial instruments, among others. This process is for internal verification purposes.

The collection, verification, audit, and maintenance of correct and updated Wallet holder information is a continuous process and RBL and Kashware reserve the right, at any time, to take steps necessary to ensure compliance with all relevant and applicable KYC requirements.

RBL reserves the right to discontinue the Services/ reject applications for Kashware Wallet Services at any time if there are discrepancies in information and/or documentation provided by you or if the information/documentation provided by you is found to be incorrect or wrong. In addition, in such an event, RBL reserves the right to forfeit the balance therein.

SCOPE OF WALLET SERVICES

The Wallet may be reloaded as many times within the limits prescribed by the Reserve Bank of India (“RBI”), Kashware in its discretion can assign a lower limit and/or frequency of reloading as deemed appropriate.

The Services or any Wallet holder's Wallet is not transferable.

The amount that can be deposited in the Wallet is governed by policies laid down by RBI. These involve monthly limits, transaction limits as well as balance limits on the Wallet.

These limitations stated hereinabove may be reviewed and modified at the discretion of RBL without prior intimation to the Wallet holder.

The Wallet shall be activated subject to the desired amount being loaded on the Wallet.

The Wallet holder or any other person permitted to load the Wallet may credit the Kashware Wallet through any of the methods prescribed from time to time (please see Clause 7).

The facility of online purchase of Products as mentioned on the Kashware Site from Merchant using Wallet, balance transfer from one Wallet to another, domestic Remittance facility to transfer funds to source or bank account transactions shall be available on the Wallet. Such functionalities can be added or modified at the sole discretion of the RBL (please see Clause 8).

No cash withdrawal or cash remittance is permissible on the Wallet.

The Wallet holder is permitted to maintain and operate only one Wallet. Any suspected non-conformity with this requirement shall just cause the suspension/discontinuation of any/all Wallets associated with the Wallet holder.

RBL may further as per its discretion introduce appropriate controls over the usage of the Wallet.

USAGE GUIDELINES

The Wallet may be used through Kashware Sites, or third-party Merchant platforms authorized by Kashware and RBL.

The Wallet holder shall at all times ensure that the Wallet credentials are kept safe and shall under no circumstances whatsoever allow the Wallet to be used by any other individual. The Wallet holder shall be responsible for all facilities granted by RBL Bank and for all related charges and shall act in good faith in relation to all dealings with the Wallet and RBL Bank.

The Wallet holder is responsible for the security of the Wallet and shall take all steps towards ensuring the safekeeping thereof. The Wallet holder shall not disclose his/her/its password to anyone verbally or in writing nor record it elsewhere.

The Wallet holder will be liable for all charges incurred on the Wallet until the Wallet is reported for closure. RBL and Kashware shall not be liable for any hacking or unauthorized use of the Wallet and it shall be the sole responsibility of the Wallet holder to ensure privacy and confidentiality of Wallet details. The Wallet holder shall, within 24 hours, intimate to Kashware and/or RBL of the occurrence of any fraud.

In case of any dispute relating to the time of reporting and/ or transaction/s made on the Wallet or any other matter in relation to the said Wallet, RBL Bank shall reserve the right to ascertain the time and/ or the authenticity of the disputed Transaction.

The Wallet holder shall inform Kashware and RBL Bank in writing within 15 days if any irregularities or discrepancies exist in the Transactions/ particulars of the Wallet on any Statement/records that are made available to the Wallet holder. If Kashware or RBL Bank does not receive any information to the contrary within 15 days, it shall assume that the Statement and the transactions are correct. All records maintained by RBL Bank or Kashware, in electronic or documentary form of the instructions of the Wallet holder and such other details (including but not limited to payments made or received) pursuant to the Terms and conditions herein, shall as against the Wallet holder, be deemed to be conclusive evidence of such instructions and such other details.

The Wallet holder may only use the Services for Transactions with the approved Merchants using Kashware Services.

The Wallet holder shall intimate Kashware and/or RBL about change in any information, including but not limited to change mobile number, email id, etc. within 1 (one) week along with such proof of change.

The Wallet holder agrees to adhere to all applicable laws and all such regulations, guidelines, and rules prescribed from time to time by RBL, Kashware, RBI, and any other regulatory body.

The Wallet holder agrees that he will not use the Wallet for payment of any illegal/unlawful purchases/purposes.

The Wallet holder understands that the Wallet is issued, loaded, withdrawn, terminated, closed down, suspended by RBL. Kashware shall under no circumstance be liable for the same.

The Wallet holder shall be bound to comply with the terms and conditions and all the policies stipulated by RBL Bank from time to time in relation to the Wallet. RBL Bank may, at its sole discretion, refuse to accept the application or to issue Wallet to the Wallet holder.

The Wallet holder shall not use the Services for any purpose that might be construed as contrary or repugnant to any applicable laws, regulations, guidelines, judicial dicta, Kashware policies, RBL policies, or public policy or for any purpose that might negatively prejudice the goodwill of Kashware or RBL.

The Wallet holder shall accept full responsibility for wrongful use of the Wallet and which is in contravention of these terms and conditions. The Wallet holder shall indemnify RBL and/or Kashware to make good any loss, damage, interest, or any other financial charges that RBL or Kashware may incur and or suffer whether directly or indirectly as a result of the Wallet holder committing violations of these terms and conditions.

RBL reserves the absolute discretion and liberty to decline or honor the authorization request on the Wallet without assigning any reason thereof.

The Wallet holder acknowledges and understands that the Services are linked to an internet connection (and in case of Kashware mobile application – mobile phone connection) and RBL and Kashware shall not be responsible for any loss or interruption of the Services,

The Wallet holder acknowledges and understands that the information submitted by the Wallet holder for availing the Services or information submitted while using the Services may be shared with third parties inter alia, to facilitate the provision of the Services.

RBL through Kashware may request the Wallet holder to submit additional KYC information/documents as part of ongoing monitoring and due diligence.

RBL and Kashware may at their sole discretion, utilize the services of external service providers/or agents and on such terms as required or necessary, in relation to its products/services.

Deposit/Load Wallet

You can use multiple funding sources for depositing/loading money in his Wallet. These sources could be but are not limited to Cash, Credit Cards, Debit Cards, Prepaid cards, Net Banking, UPI, payment apps, and transfers from another Wallet.

The Wallet may also be loaded by transfer of refund money of transactions made using Kashware Services (online payment gateways or loading of incentives such as cashback, gifts, etc by Kashware or Merchant or loading by third parties or corporate of gifts or incentives, etc or such other manner as is acceptable to RBL Bank.

Such funds shall be loaded on the Wallet after deduction of the applicable Charges/ Fees etc. payable by the Wallet holder to RBL Bank for availing the said Wallet facility.

In order to manage risk, Kashware may limit the funding sources available for your use to fund any particular transaction. For example, Kashware may limit your funding sources for a particular transaction to debit cards or your net banking account.

Kashware and RBL will monitor each deposit made into your Wallet to monitor high-risk & fraudulent transactions. If your deposit is classified as a high-risk transaction or is suspected of fraud, RBL will place a hold on the deposit and may ask you for more information on you and your funding source. Kashware and/or RBL will conduct a review and according to RBL will either clear or cancel the deposit. If the deposit is cleared, Kashware will notify you and update your Wallet. Otherwise, RBL will cancel the deposit and the funds will be forfeited. The said funds will be refundable only to the source account upon valid demand raised by the holder of the source account. Kashware will notify you by email and/or in the account history tab of your Wallet if the deposit is canceled.

When you make a deposit, you are liable to RBL for the full amount of the deposit plus any fees, if the deposit is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the deposit, plus applicable fees if you lose a claim or a chargeback, or if there is a reversal of the deposit. If the owner of the funding source of a deposit later disputes the deposit or files a claim for a chargeback, the debit or credit card issuer or the originating bank, or RBL/Kashware, will determine whether the dispute is valid and to whom payment is due. You agree to allow RBL/Kashware to recover any amounts due to RBL/Kashware by debiting your Wallet balance. If there are insufficient funds in your account to cover your liability, you agree to reimburse Kashware /RBL through other means. If Kashware /RBL is unable to recover the funds from your primary funding source, Kashware and RBL may attempt to contact you and/or recover the funds from your alternate funding sources or may take other legal actions to collect the amount due, to the extent allowed by applicable law. In addition, RBL/Kashware may suspend or terminate your Wallet.

You need to link and verify a payment method to your wallet in the Kashware app before you can use your Kashware card. We may need to introduce certain restrictions on the cards that we are able to accept on to the Kashware system and will try to keep you informed on any changes, some of which may depend on the card schemes.

If you a user opts to reload Kashware Wallet using automatic payments wherein he provides his consent to charge his chosen payment method (such as credit card, debit card, UPI, or bank account) as and when additional money is required in the wallet balance to successfully process a transaction initiated by the user.

Examples of automatic payments that can be arranged by you either with a seller or with Kashware include those that Kashware calls a "billing agreement," "subscription," "recurring payment," "reference transaction," "pre-authorized debit or PAD", "preauthorized transfer" or "preapproved payment". You agree that the use of automatic payments is subject to Reserve Bank of India regulations.

User agrees that Kashware shall charge the relevant amount to the relevant customer's chosen

Users may cancel an automatic payment by contacting us or through the Kashware app. Once an automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. If the user cancels an automatic payment, he may still owe the seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for.

If the user has authorized an automatic payment and Kashware performs currency conversion for an automatic payment transaction, Kashware will use the transaction exchange rate (including Kashware's currency conversion fee) in effect at the time the automatic payment transaction is processed.

PAYMENT USING WALLET

Wallet holders can choose to use the funds available in their Wallet to purchase Products from Merchants using Kashware Services.

If the Wallet holder is unsatisfied with the service provided by the Merchant or hasn't received goods promised by the Merchant then the Wallet holder can raise a dispute with Kashware after first raising and failing to get redressal of his grievance from the concerned merchant. The dispute will be governed by the Kashware terms and conditions.

The Wallet holder may also partially pay for the Products offered by the Merchant from its Wallet and pay the remaining amount using other payment mechanisms such as debit card, credit card, Net banking, etc provided by Kashware. The usage of other payment mechanisms provided by Kashware shall be governed by Kashware terms and conditions.

SUSPENSION OR DISCONTINUANCE OF SERVICES

RBL reserves the right to suspend/discontinue the Services at any time, for any cause, including, but not limited, to the following:

for any suspected discrepancy in the particular(s), online application, the documentation provided by the Wallet holder;
suspected or potential fraud;
sabotage, willful destruction, a threat to national security or for any other force majeure reasons, etc;
if the same is due to technical failure, modification, up-gradation, variation, relocation, repair, and/or maintenance due to any emergency or for any technical reasons;
if the same is due to any transmission deficiencies caused by topographical and geographical constraints/limitations;
for any suspected violation of the rules, regulations, orders, directions, notifications issued by RBI from time to time or for any violation of the terms and conditions mentioned herein;
if RBL believes, in its reasonable opinion, that cessation/ suspension is necessary.

CLOSURE OR TERMINATION OF WALLET

Wallet holder has the option to close the Wallet at any time. The closure of such Wallet may be communicated to Kashware /RBL over email at care@Kashware .com.

All the Wallets including multiple Wallets if any will be terminated basis the written request. Termination will be effective after payment of all amounts outstanding on the Wallet. No annual, joining or renewal fees shall be refunded on a pro-rata basis.

RBL Bank may also restrict, terminate or suspend the use of Wallet at any time without prior notice if Bank reasonably believes it necessary for business or security reasons. The Wallet must not be used after these Terms and Conditions end or while the use of Wallet is suspended.

RBL Bank shall, upon adequate verification, block/suspend/close the Wallet and terminate all facilities in relation thereto during working hours on a working day following the receipt of such intimation and shall not be liable for any inconvenience caused to the Wallet holder in this regard.

There is no expiry date for the Wallet. However, any value in the wallet must be utilized: (a) within 6 (six) months from the date of the last Transaction or (b) within 6 (six) months from the date of activation of the Wallet; whichever is later.

Any value in and Wallet which is not utilized or withdrawn in an aforesaid manner may stand forfeited at the discretion of RBL. Kashware /RBL will send 30 days advance communication to Wallet holder before any forfeiture of outstanding amount in the Wallet by SMS at the mobile number and/or email id which is provided for use of the Services. It is the responsibility of the Wallet holder to ensure that the information provided by the Wallet holder including the email id and the mobile number is updated at all times.

In addition, RBL or Kashware may, at any time, with or without notice, at its absolute discretion, terminate the Wallet. RBL or Kashware may also restrict or suspend the use of Wallet at any time without prior notice if Bank reasonably believes it necessary for business or security reasons.

WALLET HOLDER'S OTHER OBLIGATIONS & COVENANTS

Wallet holder will be liable for all Transactions and for the related charges.

Wallet holder accepts that at his request and risk RBL/Kashware has agreed to provide him the Wallet & accepts full responsibility for all Transactions recorded by use of his Wallet.

An instruction given by means of the Wallet shall be irrevocable.

Wallet holder shall, in all circumstances, accept full responsibility for the use of the Wallet, whether or not processed with his knowledge or his authority, expressed or implied.

Wallet holder irrevocably authorizes RBL/Kashware to debit the amounts utilized by using the Wallet for Transactions from his Wallet.

Wallet holder should hold RBL/Kashware indemnified and harmless for its actions in good faith and in the normal course of business based on Transactions.

RBL/Kashware will employ its best efforts in carrying out the Transactions but will not incur any liability either to the Wallet holder or any other person for any reason whatsoever including for its delay or inability to carry out a Transaction or an instruction.

RBL/Kashware reserves the right at any time to charge the Wallet holder any fees/ charges for the transactions carried out by using your Wallet. Details of applicable fees and charges can be obtained from Kashware Site and are subject to change from time to time.

Any government charges, or debits, or tax payable as a result of the use of Wallet shall be Wallet holder's responsibility.

Amounts due and payable by Wallet holder, if not paid separately shall be recovered by RBL from the funds available in the Wallet Amount.

RBL/Kashware may at its sole discretion withdraw or suspend any Wallet or amend any of its features without notice to the Wallet holder.

RBL/Kashware shall have the discretion to not allow the Wallet holder to carry out a transaction where it has reason to believe that the use of Wallet is not authorized or the Transaction appears not genuine or unclear or such as to raise a doubt.

RBL/Kashware, at their discretion, reserves the right to either temporarily or permanently withdraw the privileges on the instrument and/or cancel the instrument at any time without giving any notice or assigning any reason thereof. In case of temporary withdrawal, the privileges may be reinstated by RBL/Kashware as deemed fit.

INDEMNITY AND LIMITATION OF LIABILITY

In consideration of RBL and Kashware providing the Wallet holder with the facility of the Wallet, the Wallet holder hereby agrees to indemnify and keep RBL and Kashware indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges and expenses whatsoever which RBL or Kashware may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of directly or indirectly providing the Wallet holder the said facility of the Wallet or by reason of RBL Bank's or Kashware 's acting in good faith and taking or refusing to take or omitting to take action on the Wallet holder's instructions, and in particular arising directly or indirectly out of the negligence, mistake or misconduct of the Wallet holder; breach or noncompliance of the rules/ terms and conditions relating to the Wallet or fraud or dishonesty relating to any transaction by the Wallet holder.
Without prejudice to the foregoing, RBL Bank and Kashware shall be under no liability whatsoever to the Wallet holder in respect of any loss or damage arising directly or indirectly out of:

Any issue emerges post availing the Products from the merchant;
The refusal to honor or to accept the Wallet;
The malfunction of any computer/POS terminal;
Effecting transaction instructions other than by a Wallet holder;
Handing over of the Wallet credentials by the Wallet holder;
The exercise by RBL Bank of its right to demand and procure the surrender of the Wallet prior to the expiry, whether such demand and surrender is made and/ or procured by RBL Bank or by any person or computer terminal.
The exercise by RBL Bank of its right to terminate any Wallet;
Any injury to the credit, character, and reputation of the Wallet holder alleged to have been caused by the repossession of the Wallet and/ or, any request for its return or the refusal of any merchant establishment to honor or accept the Wallet;
Any misstatement, misrepresentation, error, or omission in any details disclosed by RBL Bank or Kashware except as otherwise required by law.
If RBL Bank or Kashware receives any process, summons, order injunction, execution distrait, levy, lien, information, or notice which RBL Bank or Kashware in good faith believes/ calls into question the Wallet holder's ability, or the ability of someone purporting to be authorized by the Wallet holder, to transact on the Wallet, RBL Bank may, at its option and without liability to the Wallet holder or such other person, decline to allow the Wallet holder to obtain any portion of his funds, or may pay such funds over to an appropriate authority and take any other steps required by applicable law. RBL Bank reserves the right to deduct from the balance available on the Wallet, a service charge and any expenses it incurs, including without limitation legal fees, due to legal action involving the Wallet holder's Wallet;
In the event, a demand or claim for settlement of outstanding dues from the Wallet holder is made, either by RBL Bank or Kashware or any person acting on behalf of RBL Bank, the Wallet holder agrees and acknowledges that such demand or claim shall not amount to be an act of defamation or an act prejudicial to or reflecting upon the character of the Wallet holder, in any manner.
In case of an incorrect entry (including but not limited to beneficiary details) made for bank transfer from Wallet by the Wallet holder.
Any issues arising due to the Wallet holder not providing adequate and proper intimation pertaining to change/modification in the registered mobile number of the Wallet holder.

In addition, Kashware 's liability shall be limited in accordance with the Kashware terms and conditions including any disclaimers or limitation of liability provided therein.

DISCLAIMER

The Services are provided on an "as is" and "as available" basis. Use of the Service is at your own risk. To the maximum extent permitted by applicable law, the Services is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information, whether oral or written, obtained by you from RBL or Kashware or through the Services will create any warranty not expressly stated herein. Without limiting the foregoing, neither RBL nor Kashware, warrant that the content is accurate, reliable, or correct; that the Services will meet your requirements; that the Services will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Services is free of viruses or other harmful components. Neither RBL nor Kashware will be liable for any loss or damage whatsoever or howsoever caused or arising, directly or indirectly, including without limitation, as a result of the loss of data; interruption or stoppage of access to and/or use of the Services; interruption or stoppage Kashware Site; non-availability of connectivity links/hyperlinks.

Any content downloaded or otherwise obtained through the use of the Services is downloaded at your own risk, and you will be solely responsible for any damage to your property or loss of data that results from such download.

Neither RBL nor Kashware warrant, endorse, guarantee, or assume responsibility for Products advertised or offered by a third party through the Services or any hyperlinked website or Service, or featured in any banner or other advertising, and neither RBL nor Kashware will be a party to or in any way monitor any transaction between you and third-party providers of goods and/ or services.

The Services are controlled and operated from and in India. RBL and/or Kashware makes no representations that the Services are appropriate or available for use in other locations. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable Indian laws, rules, regulations, guidelines including but not limited to export and import regulations and RBI regulations. You may not use the Service if you are a resident of a country embargoed by India, or are a foreign person or entity blocked or denied by the Indian government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to individuals, companies, or other entities located in India.

RBL/ Kashware 's sole obligation and your sole and exclusive remedy in the event of an interruption in Services or loss of use and/or access to Services will be to use all reasonable endeavors to restore the Services and/or access as soon as reasonably possible. In no event will Kashware be liable for issuance, termination, expiry, suspension, loading/deposits, withdrawing, and transfer of funds to or from the Wallet.

Kashware / RBL makes no representations or guarantees regarding Merchants utilizing Kashware / RBL's Services. Use of Kashware / RBL's Services in no way represents any endorsement by Kashware / RBL of a Merchant's existence, legitimacy/legality, ability, policies, practices, beliefs as well as the Merchants Products and reliability. The Merchant alone will be responsible to the Wallet holder and neither we nor anybody connected to us will have any responsibility or liability towards the Wallet holder for Products purchased from the Merchant.

The relationship between Kashware /RBL and the Merchant is on a principal-to-principal basis. Kashware / RBL have no connection or interest of whatsoever nature in the business of the Merchant or the Products offered/marketed by the Merchant. Kashware /RBL does not in any manner take part in the business of the Merchant, directly or indirectly.

For the use of Kashware / RBL's Services, the Merchant pays Fees to us as posted on our website and Kashware / RBL is nowhere connected or concerned about the revenues of the Merchant.

ADDITION/ WITHDRAWAL OF FACILITIES:

RBL Bank or Kashware may, at their discretion, make available to the Wallet holder more services on the Wallet, POS Terminals, Internet or otherwise and/ or other devices through shared networks for the Wallet holder's convenience and use. All fees and charges related to Transactions done by the Wallet holder at these devices as determined by RBL Bank from time to time will be recovered by a debit to the balance available on the Wallet. The Wallet holder understands and agrees that the shared networks may provide different functionalities and service offerings and different charges for different services. RBL Bank shall also, in its sole discretion, at any time, without notice to the Wallet holder, be entitled to withdraw, discontinue, cancel, suspend/ or terminate the facility to use the Wallet and/ or services related to it, at POS Terminal/ Internet/ other devices within India and shall not be liable to the Wallet holder for any loss or damage suffered by him resulting in any way from such withdrawal, discontinuance, cancellation, suspension or termination.

RBL Bank and Kashware reserve the right to change these terms and conditions and reserves the right to modify the fees applicable to the Wallet at any time. The most current version will always appear at the website: https://www.Kashware .com

DISCLOSURE OF INFORMATION AND INTELLECTUAL PROPERTY RIGHTS

RBL Bank reserves the right to disclose the Wallet holder's information to any court of competent jurisdiction, quasi-judicial authorities, law enforcement agencies, and any other wing of Central Government or State Government. The Wallet holder hereby consents to share their information with service providers or agencies or partners for providing services in relation to the Wallet.

Any information relating to the Wallet holder is generally used to provide the Services, improve the Services and otherwise for a detailed overview of what kind of information that Kashware or RBL collects, stores, uses, shares, please go through the privacy policy available on the company's website.

Kashware and RBL may use the Wallet holder’s information/data to market, advertise and notify the Wallet holder of various Kashware /RBL offerings. The Wallet holder fully understands that due to the use of the Wallet holder of the Services and Kashware Services through Kashware Site, Kashware /RBL may create or generate a database in respect of such Wallet holder. All rights and ownership with respect to such database shall vest with Kashware /RBL.

The user interfaces, graphics, logos, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Service provided by the Kashware or RBL are protected by copyright, designs, patent, and trademark laws, international conventions and other applicable intellectual property and proprietary rights of either Kashware, RBL or third parties authorized by RBL or Kashware.

Nothing contained herein shall authorize the Wallet holder to use, apply, invade or in any manner exploit or infringe the intellectual property rights of the RBL/ or Kashware, and the usage of the same shall be in compliance with these Terms and Conditions and such approval and policies as may be notified from time to time. In addition, the Wallet holder undertakes not to infringe the intellectual property rights of any third party.

The Wallet holder undertakes not to infringe the intellectual property rights of RBL and/or Kashware respectively, whether directly or indirectly through any third party. The Wallet holder warrants that it shall only use the Kashware Services, Site, and Software Application, and the Services for the purposes of these Terms and Conditions. Wallet holder or any other person empowered by the Wallet holder shall not use the Kashware Site and Software Application and/or RBL Services and software in any form whatsoever, so as to:

design, realize, distribute or market a similar or equivalent software program;
adapt, modify, transform or rearrange the Kashware and RBL software applications and Kashware Site for any reason whatsoever, including for the purpose, among other things, of creating a new software program or a derivative software program;
allow unauthorized use of or access to the Kashware and RBL software applications and Kashware Site and Kashware Site;
disassemble, reverse engineer, decompile, decode or attempt to decode the Kashware and RBL software applications and Kashware Site;
allow the Kashware and RBL software applications and Kashware Site to be disassembled, reverse engineered, decompiled or decoded; and/or
in any way override or break down any protection system integrated into the Kashware and RBL software applications and Kashware Site.

DISPUTES

These Terms and Conditions will be governed by and be construed in accordance with the laws of India. All disputes are subject to the exclusive jurisdiction of the Courts in New Delhi, irrespective of whether any other court may have concurrent jurisdiction in the matter. The Wallet holder shall be liable for all costs associated with resolution of the dispute, legal expenses, and decretal amounts with interest, should it become necessary to refer the matter to any agent or where legal resources for enforcement of rights of RBL Bank in this regard.

COMMUNICATION

Any communication from RBL or Kashware to the Wallet holder will be deemed to be completed within 7 days of sending such communication to the most recent mailing address or Email ID or mobile number available with RBL Bank

Wallet holder can contact RBL Bank at any of the below-mentioned points: Email to care@Kashware .com

FEES AND CHARGES

All fees and charges related to Wallet, as determined by RBL Bank will be recovered by a debit to the Wallet or through other means as available and applicable. The fees are not refundable. Any government charges, duty or debits, or tax payable as a result of the use of the Wallet shall be the Wallet holder's responsibility and if imposed upon RBL Bank (either directly or indirectly), RBL Bank shall debit such charges, duty or tax against the Wallet.

Wallet Fees or charges applicable to Wallet are subject to change from time to time at the sole discretion of RBL Bank and Kashware.

Details of the currently applicable fees and charges as stipulated by RBL Bank will be displayed on the website https://www.Kashware .com or communicated from time to time.