Terms & conditions.

1. Eligibility & Account Responsibility

• You must be 18 years or older to use our services.
• You agree to provide accurate, complete, and verifiable information during registration.
• You are responsible for maintaining the confidentiality of your account, password, and transactions.
• Any activity performed through your account will be treated as authorized by you.
• We reserve the right to suspend, restrict, or terminate accounts in case of suspicious, fraudulent, or illegal activity.

2. Nature of Services

Sanjana Digital Service provides fintech, digital utility, and payment-related services, which may include:

• Digital and online payment processing
• Recharge, bill payments, utility services
• Wallet and transaction services (where applicable)
• Banking-related assistance through authorized partners
• Distributor and Agent service facilitation

We may modify, upgrade, discontinue, or restrict any service without prior notice.

3. Compliance & Acceptable Use

Users agree not to use the platform for activities that are:

• Fraudulent, unlawful, or suspicious
• Related to money laundering, chargeback abuse, or identity fraud
• In violation of RBI, IT Act, or applicable financial regulations
• Misusing platform APIs, wallets, promotions, or loopholes

Any violation may result in service suspension, legal action, or account termination.

4. Transactions & Payments

• All transactions are processed on a best-effort basis through authorized networks.
• Delays may occur due to bank, network, or third-party system issues.
• Users must verify transaction details before processing.
• The company is not liable for losses arising from user-entered errors (wrong number, account, amount, etc.).
• Service charges, convenience fees, and platform fees are non-refundable unless stated otherwise.

5. Third-Party & Partner Services

Some services operate through third-party banks, providers, aggregators, or APIs. Sanjana Digital Service:

• Does not control third-party performance or delays
• Is not liable for outages, downtime, or processing failures
• Does not guarantee uninterrupted availability

Users agree to abide by partner and network-level terms and regulations.

6. Data Privacy & Security

We follow reasonable safeguards to protect user information. Use of our platform is also governed by our Privacy Policy.

We do not guarantee protection from cyber-attacks, phishing, or unauthorized access caused by user negligence.

Users should:

• Avoid sharing OTP, password, or credentials
• Use strong passwords and secure devices
• Report suspicious activity immediately

Contact: sanjanadigitalservice@gmail.com

7. Intellectual Property

All platform content - branding, logos, design, text, software, and materials - belong to Sanjana Digital Service and may not be copied, reproduced, or distributed without written permission.

8. Limitation of Liability

Sanjana Digital Service shall not be liable for:

• Network or server outages
• Payment gateway delays
• Unauthorized transactions due to user negligence
• Loss of data, profit, or business
• Errors caused by third-party systems

Our maximum liability, if proven, shall not exceed the transaction value or applicable service fee.

9. Indemnity

You agree to indemnify and hold harmless Sanjana Digital Service, its partners, employees, and affiliates from any claims, losses, or damages arising from misuse of the platform or violation of these terms.

10. Modification of Terms

We may update or modify these Terms & Conditions at any time without prior notice. Continued use of the platform after updates implies acceptance of revised terms.

11. Governing Law & Jurisdiction

These Terms shall be governed by the laws of India. Any disputes will be subject to the jurisdiction of competent courts in India.

12. Contact Information

For queries, complaints, or support:

Email: sanjanadigitalservice@gmail.com