1. Introduction and Scope of the Terms and Conditions

Welcome to Digital Bharat Seva, a digital financial facilitation service provided by ONLINE ACCURACY ACCOUNTS SERVICES PRIVATE LIMITED (hereinafter referred to as the “Company”, which expression shall, unless repugnant to the context or meaning thereof, mean and include its successors and permitted assigns).

At Digital Bharat Seva, we offer a wide range of digital banking and payment services to our customers across India, by facilitating the dissemination of digital financial services provided by various service providers. These services include, but are not limited to, Assisted Digital Financial Services such as Aadhaar ATM, SMS Payments, Khata Services, Utility Payments, Prepaid Cards, Insurance, and Money Transfers via the Digital Bharat Seva platform.

This document outlines the terms and conditions under which the Company Services (as defined below) are provided to you, the consumer. Your use of these services is conditional upon your acceptance of and compliance with the following terms and conditions (hereinafter referred to as “Agreement” or “Terms of Use”). These terms may be amended from time to time, and your continued use of the services signifies your agreement to such changes.

Eligibility and Account Registration

As an applicant, you may apply to open a Digital Bharat Seva Membership Account (hereinafter referred to as “Membership Account” or “Account”) and avail yourself of the services provided by Digital Bharat Seva by following the registration process outlined on the platform. Registration may be completed either online or with the assistance of a Retail Partner, depending on the channel of registration.

By registering on the platform, you agree to these Terms of Use by clicking on the “I Agree” button at the end of the registration process. Your acceptance of these terms shall be unconditional, without any limitation or qualification. If you do not agree to these terms, you may not use the platform or the services provided by Digital Bharat Seva.

Acceptance of Terms

Please read these Terms of Use carefully. By providing your consent and/or using our platform, you acknowledge that you fully understand and agree to the terms outlined herein. If you do not agree to the terms and conditions, you are not authorized to use our services.

You understand, agree, and acknowledge that setting up your Membership Account, using Digital Bharat Seva services, and using the platform or website (including all information, tools, and services available) is conditioned upon your acceptance of these terms and conditions, policies, and notices. These terms are subject to change at any time, without prior notice to you. Any new features or tools added to the platform shall also be governed by these Terms of Use. To ensure that you remain informed about any changes, we recommend reviewing these Terms periodically.

Amendments to Terms

We may revise and update these Terms of Use from time to time. All changes to the Terms of Use will be posted on this page, and you will be notified of any material changes by email or through a notice on our website. The updated Terms of Use will become effective immediately upon posting. It is your responsibility to review these terms periodically to ensure you are aware of any changes.

Limitations of Liability

While we strive to provide you with the best possible service, Digital Bharat Seva and its affiliates shall not be held liable for any damages arising from your use or inability to use the services provided by the platform. We do not guarantee that our services will always be error-free, secure, or uninterrupted. Your use of the platform is at your own risk.

Here’s a rewritten version of the “Definitions and Interpretation” section with a more professional tone and relevant adjustments for your company details:

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2. Definition and Interpretation

In these Terms of Use, unless the contrary intention appears and/or the context otherwise requires, capitalized terms defined by:

(i) inclusion in quotations and/or parenthesis shall have the meanings ascribed to them; and
(ii) the following terms shall have the meanings assigned to them herein below:

• “Applicable Law” means all applicable Indian statutes, enactments, acts of the state legislature or parliament, laws, ordinances, rules, bye-laws, regulations, notifications, guidelines, directions, directives, and orders of any governmental authority, statutory authority, or board, any implementing regulation or interpretation issued thereunder, including any successor Applicable Law.

• “Applicant” refers to you, the individual person above the age of eighteen (18) years, possessing an active mobile phone connection, who applies, either directly or through the Company, for availing the services provided by Digital Bharat Seva in the capacity of an Agent (Retailer, Distributor, Master Distributor, or Super Distributor).

• “Company Rules” refers to the policies issued by the Company with respect to its business partners, retail partners, distributors, consumers, including but not limited to the code of conduct, management policies, and other operational guidelines, as issued on the Website, Platform, and/or otherwise, which may be amended from time to time.

• “Consumer” means an Applicant who, upon submitting the application form (AF) and fulfilling all necessary formalities, is determined by the Company to be eligible to avail the Company Services and has successfully opened a Membership Account.

• “Governmental Authority” refers to any nation, state, sovereign, government, or any political subdivision thereof, as well as any entity exercising executive, legislative, judicial, regulatory, or administrative functions under government jurisdiction.

• “INR” or “RS” denotes Indian Rupees, the lawful currency of the Republic of India.

• “Intellectual Property” refers to all intellectual property associated with or used for providing Digital Bharat Seva services, including, but not limited to:

  • (a) Software, operating manuals, software code, programs, instructions, specifications, processes, input methods, data, or information used in relation to or for the operation of the software;
  • (b) Trademarks, service marks, trade names, business names, logos, symbols, and color combinations;
  • (c) Promotional materials, advertisements, literature, graphics, images, and content;
  • (d) Techniques, formulas, methodologies, designs, technical information, and other knowledge.

• “KYC Guidelines” or “KYC” refers to the Know Your Customer guidelines set forth by Governmental Authorities, including the Reserve Bank of India (RBI). The Applicant must provide self-attested copies of valid proof of identity, proof of address, and other KYC details as per the prescribed guidelines.

• “Person” means any individual (including personal representatives, executors, or heirs of a deceased individual), or any legal entity, including but not limited to partnerships, corporations, trusts, joint ventures, limited liability companies, limited liability partnerships, or any Governmental Authority.

• “Platform” refers to the software or application accessible through the Digital Bharat Seva Website or any associated application.

• “RBI” refers to the Reserve Bank of India, the central banking institution of India.

• “Registered Mobile Number” refers to the mobile number that you, as the Consumer, provide during the process of setting up your Membership Account with the Company.

• “Software” includes custom-built software owned by the Company or licensed from third-party suppliers, enabling Retail Partners to utilize Digital Bharat Seva services across communication devices such as mobile phones, computers, and other handheld devices.

• “Related Entities” refers to any parent company, subsidiaries, affiliates, or joint ventures of the Company, or any entities related to the Company in any manner, including the platform or website utilized for availing Company Services.

• “Tax” or “Taxes” refers to any and all taxes, levies, duties, charges, fees, deductions, or withholdings, along with any related interest, penalties, or liabilities that may arise under any Applicable Law.

• “You” or “Your” refers to any natural or legal person who accesses and uses the Platform for the purpose of opening a Membership Account, in accordance with these Terms of Use, including users who access the Platform without creating a Membership Account.

• “Website” refers to the official website www.digitalbharatseva.in, the mobile application of Digital Bharat Seva, any successor websites or applications, and any other channels or digital interfaces, including phone apps, social media platforms, and payment intermediaries that are provided or authorized by the Company.

Interpretation:

• Terms referred to in this Agreement shall bear the meanings ascribed to them under the relevant statute or legislation, unless defined otherwise or inconsistent with the context.
• References to statutory provisions should be understood to include any amendments, reenactments, or statutory instruments that may be in force.
• Words denoting the singular shall include the plural, and vice versa. Gender-specific words shall include all genders.
• Headings, subheadings, titles, and subtitles are provided for convenience and shall not be considered part of the operative provisions of this Agreement.
• Time periods referenced in this Agreement shall be calculated excluding the day on which the period begins and including the day on which it ends. If the last day of a period falls on a day when the Company or banks are closed for business, the period shall be extended to the next available business day.
• The term “writing” includes printing, typing, lithography, facsimile transmissions, electronic forms (including emails), and other methods of reproducing words in visible form.
• The words “include” and “including” are intended to be illustrative, and not limiting.
  
  3.CONDITIONS OF USE

This Agreement governs the use of the platform for accessing or availing any service offered. It also applies to any legal entity represented by a person using or accessing the services on the Website under authorized capacity. Agents may use the Website to access the Company’s services.

The Consumer agrees to utilize the Company Services solely through a Membership Account and in compliance with these Terms and applicable regulations. The Agreement shall be effective for one year.

To access Company Services, only individuals aged 18 or above are eligible. Agents wishing to avail the Company Services must approach the administrator to activate their account.

By submitting the Application Form (AF), the Consumer confirms that they are of sound mind. The Consumer must ensure the Registered Phone Number remains active at all times and notify the Company immediately of any change, termination, or disruption to the phone number.

Upon joining, the Agent is required to provide the name of a nominee. In the event of the Agent’s death, any balance in the wallet will be transferred to the nominee upon submission of the death certificate.

Agents must pay the initial maintenance charge billed Yearly. If not paid, the Company reserves the right to deduct the charges from the main wallet and impose a penalty of Rs. 40/day, as deemed appropriate or can Suspend Account without any prior Notice.

The Website serves as an online platform that allows Agents to avail services such as Aadhar Banking, Money Transfer, Bill Payment, Recharges, PAN applications, etc. The Company is not involved in any transactions or disputes between Agents on the Platform.

The Consumer acknowledges that any information submitted for securing a Membership Account becomes the property of the Company and may be used in compliance with applicable laws.

Any information submitted by the Consumer while using the Platform may be shared with third parties as needed for the provision of services.

The Consumer agrees not to use the Company Services for any unlawful or prohibited purposes, including actions that may harm the Company’s reputation or goodwill.

The Consumer acknowledges that they are solely responsible for ensuring the successful completion of transactions and that the Company is not liable for any failure in notifications.

The Company makes no representations or warranties regarding the specific details of the services offered on the Platform and does not endorse or support any transactions between Agents and service providers. The Company is not liable for any errors or omissions related to services provided by third parties.

The Company is not responsible for any non-performance or breach of contract between the service provider and Agent. The Company is not required to mediate or resolve disputes between customers and Agents.

The Company will not be held responsible for incorrect transactions initiated by Agents, such as recharges, money transfers, etc., and will not refund any amount in such cases.

If an Agent forgets their ID or password, the Company is not responsible for sending them. The Agent must follow the recovery process via the ‘forgot password’ option to receive a link through email and SMS.

If an Agent wishes to cancel their subscription plan, they must click the ‘cancel now’ option and notify the Company. The subscription will be canceled within 7 days, with deductions for the period up to cancellation.

In case of a fraudulent transaction, the Company will issue a warning and give the Agent 7 days to resolve the issue. The Company reserves the right to impose a penalty of Rs. 1000/day, suspend the Agent’s ID, and file an FIR if needed.

If an Agent registers with their own ID, completes the KYC process, and accepts the terms and conditions, the Company is not responsible for any refundable amounts.

Certain free service links on the Website may redirect to third-party websites, for which the Company is not liable.

If an Agent shares their password or if their password/phone is stolen and a transaction is made, the Company is not responsible. The customer should immediately contact customer care to stop the services.

DIGITAL BHARAT SEVA is only responsible for amounts deposited in its own bank account and is not liable if an Agent deposits funds into an individual account.

In the event that an associate bank holds a payment, the Company reserves the right to hold the Agent’s amount. The Company is not liable for penalties or interest and will only pay the Agent the actual amount received from the bank.

Agents agree that the Company will not be liable for any damages, costs, liabilities, or inconveniences arising from transactions, including but not limited to payment issues, returns, warranties, and other transaction-related matters. In case of a dispute, Agents agree to indemnify the Company and its affiliates from any claims, demands, actions, or damages arising out of or related to such transactions.

4.CHANGES TO TERMS

The Company reserves the right to modify, alter, or amend these Terms of Use at its sole discretion, without prior notice to the Consumer. Any changes made will be updated and displayed on the Platform/Website. The Consumer is responsible for keeping up to date with any amendments to the Terms of Use. Any transaction conducted after the amendment of these Terms will be considered as the Consumer’s acceptance of the updated Terms. The Company may modify, suspend, or terminate its Services at any time, with or without notice, due to changes in internal policies, regulations, or laws set by relevant authorities. Any User Registers in Digital Bharat Seva have to complete their Payment of First Year Maintenance charge which is Rs.20/day (billed yearly) as per the recent policy changes in our Parent Agency Madhya Pradesh state electronics development corporation limited on 16th March, 2025. The Banking Account Holders (Retailer Agents) are also be Include in this Terms Change decision and A notification pop-up will appear in their Account dashboard to complete First Year Maintenance charge as Rs.20/day instead of Rs.10/day for One year (Previous Policy for Retailer Agents).

5. LINKS TO OTHER WEBSITES

The Company may provide links to third-party websites on its Platform for convenience. However, the inclusion of such links does not imply endorsement by the Company of these external sites or their products and services. The Company is not responsible or liable for any content, information, or services available on third-party websites.

6. SEVERABILITY

If any part of these Terms of Use is deemed illegal or unenforceable, that portion will be severed from the rest of the document. The remainder of the Terms will continue to be valid and enforceable, governing the relationship between the Company and the Consumer.

7. OWNERSHIP AND PROPRIETARY RIGHTS

The Consumer acknowledges that they have no claims or rights to any intellectual property related to the Platform, Website, or the Company Services. The Consumer agrees not to attempt to modify, alter, reverse-engineer, or create derivative works from the underlying software or any components of the Company Services.

8. FORCE MAJEURE

In the event of a Force Majeure Event, the Company shall inform the Consumer and seek to find a mutually acceptable solution. A “Force Majeure Event” refers to circumstances beyond the reasonable control of the Company or the Financial Service Provider, including, but not limited to, communication failures, system breaches, viruses, sabotage, fire, floods, strikes, riots, natural disasters, war, government actions, or unauthorized access to data. The Company shall not be held liable for any failure or delay in performing its obligations due to a Force Majeure Event, and its obligations will be suspended for the duration of the event.

9. LIMITATION OF LIABILITY

The Consumer understands that the distributor’s work is target-based, and commissions will be paid based on the percentage of the target achieved. If the distributor fails to meet the target, they must continue working for 90 additional days, after which the company may close the registration and withhold the commission.

If the distributor ends their agreement with the Company, they are required to return all Company-provided accessories. If any accessories are damaged, the cost will be deducted from the distributor’s security fees.

The Company reserves the right to change or discontinue services such as commission structures, offers, and package rates without prior notice to the Agent.

In the event of a fraudulent transaction, the Company has the authority to hold the payment until the matter is resolved.

The Consumer acknowledges that the Company’s name, logo, brand, and other intellectual property are exclusive to the Company, and the Agent is prohibited from using them on any platform or social media without prior written consent.

The Consumer agrees that the Company Services are provided on an “as is” and “as available” basis, and their use is at the Consumer’s own risk. The Company is not responsible for any actions or omissions by Retail Agents.

Under no circumstances will the Company’s total cumulative liability to the Consumer, in relation to claims arising from the use of the Platform or Services, exceed the service fee paid by the Consumer for the services provided. The Company is not liable for any indirect, special, incidental, consequential, or exemplary damages, including, but not limited to, lost profits, data loss, work stoppages, bugs, or system failures, even if the Company was aware or should have been aware of the potential for such damages.

10. Charges

The Company reserves the right to modify its fee policy at any time. Any changes to the fee policy will be posted on the Platform and will take effect immediately upon posting. Unless stated otherwise, all fees will be quoted in Indian Rupees (INR) and must be paid to Digital Bharat Seva or the payment method provided by Support team agent. The Agent is solely responsible for complying with all applicable laws when making payments to Digital Bharat Seva or the payment method provided by Support team agent. The Wallet recharge policy for All Users will be the same as starting Rs.8k for Retailer Agent and starting Rs.10k for Distributor & Master Distributor Agents. The Agent agrees that the Company has the right to offset any amounts owed by the Agent to the Company against any payments due to the Agent.

11. PRIVACY POLICY & DATA PROTECTION

The Company may suspend or cease the operation of the Platform, Website, or Services for any reason, with or without prior notice. The Company also reserves the right to alter the content of the Website or suspend/change the products or financial services offered. The Consumer agrees that in such cases, they will use the Website and/or Platform at their own risk, and the Company will not be responsible for any loss or damage incurred.

12. DISCLAIMER

The Company may suspend or cease the operation of the Platform, Website, and/or Services for any reason, with or without prior notice. The Company reserves the right to change the content of the Website or modify or discontinue the products and services offered. The Consumer acknowledges that they use the Website and/or Platform at their own risk and the Company will not be liable for any loss or damage.

13. PRIVACY POLICY

All information collected by the Company from the Consumer, such as registration details, beneficiary account information, and debit/credit card data, will be governed by the provisions set forth in this Terms of Use.

14. WAIVER

Failure to exercise or delay in exercising any right or remedy under these Terms of Use or by law does not constitute a waiver of that right or remedy or any other rights or remedies. No single or partial exercise of a right or remedy prevents the further exercise of that right or the exercise of any other rights. Any waiver must be in writing and signed by the party to be bound by it.

15. ASSIGNMENT

The Consumer may not assign this Terms of Use or any rights or interests therein. The Company, however, has the right to assign its rights, interests, and obligations under this Terms of Use to any third party, including its related entities.

16. MODE OF COMMUNICATION

By using the Platform, or by sending emails or other data or communications to the Company, the Agent consents to communicate with the Company through electronic records. The Agent agrees to receive communications from the Company periodically and as required. The Company may communicate with the Agent via email or other electronic or physical methods.

17. Notices

All notices or demands directed to the Company must be in writing and will be deemed duly made when sent to Digital Bharat Seva, . Notices to the Agent(s) shall be deemed effective if delivered personally, sent by courier, certified mail, facsimile, or email to the last known contact details provided by the Agent(s), or posted on a publicly accessible area of the Website. Notices to the Agent(s) are considered received when the Website can demonstrate that the communication has been sent, or immediately upon posting on the Website.

18. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the Republic of India. The courts in Pune shall have exclusive jurisdiction over any dispute arising from the use of the Company’s Services, Platform, and/or Website. Any dispute between the Company and the Agents shall be resolved through arbitration as per the Arbitration and Conciliation Act, 1996, as applicable, with a single arbitrator appointed by the Company. The seat of arbitration will be in Pune, India, and the language of arbitration will be English.

19. TERM AND SURVIVAL

This Terms of Use is effective until terminated by the Company, which reserves the right to terminate it at any time, or until the Consumer ceases to hold a Membership Account. The provisions of this Terms of Use that by nature are intended to survive termination will remain in effect. Additionally, to maintain platform security and efficiency, any account inactive for 15 days will be automatically blocked or suspended, and associated documentation will be rejected without reason. This measure ensures the integrity of the platform and protects sensitive services.

20. ENTIRE AGREEMENT

The “Terms,” including the Privacy Policy, constitute the entire agreement between the Consumer and Digital Bharat Seva. This agreement governs the Consumer’s access and use of the Services and supersedes any prior agreements with respect to the Website and Services.

21. SELF-DECLARATION

I hereby declare that I have read and understood all the terms and conditions of this Terms of Use. I agree to use the Platform, Website, and/or avail of the Company Services and give my consent to be bound by the provisions of this Terms of Use.

Disclaimer
The services provided by Digital Bharat Seva are offered “as is” and “as available.” We do not make any warranties or representations regarding the accuracy, completeness, or reliability of the content or services on the platform. Digital Bharat Seva is not responsible for any errors, omissions, or interruptions in service. We reserve the right to modify, suspend, or discontinue any part of the services without prior notice. Users are advised to use the platform at their own risk. We are not liable for any loss or damage arising from the use of the platform, including but not limited to issues related to third-party services or fraudulent activities. Please read our full Terms and Conditions for more details.