Terms & Conditions

We would like you to read these general terms of conditions ("Terms of Use" / "Terms of Service" / "Terms") carefully, before you use our platform or any of its services ("Services"). These Terms are legally binding and govern the use of our website, our mobile application, our API and other properties collectively called as the "INDOIC Nidhi Platform" or "Platform" created by FACT Fintech India Private Limited, a company incorporated under the laws of India, with its registered office at New Delhi - 110044 ("INDOIC Nidhi" or "Company").

By signing-up to use the Platform, you acknowledge that you have read these Terms and agree to be bound by them. You also acknowledge that you have read our Privacy Policy and agree to be bound by it. By signing up to use the Platform, you represent that you have provided us with valid identifying information which may be used to verify your identity. Please note that we may restrict, suspend, or terminate your access at any time to the Platform if we believe you have breached these Terms. We may use certain technologies to monitor your activities on the Platform.

We may modify these Terms or any other terms at any time by posting a revised version of the same at www.digitalbharatpay.in on our website ("Website"), and the amended version of these Terms shall become automatically binding on you if you continue to avail the Services. The amended terms will be applicable even if not accepted by you separately. These Terms & Conditions were updated on March 2021. You shall have the responsibility to review these Terms on a regular basis. If you do not wish to be bound by the updated Terms, we request you to stop accessing the platform and the Services and to reach out to us to deactivate your User Account. Throughout this document, we use the terms "we" and "our" to refer to INDOIC Nidhi and the terms "you" and "your" to refer to you, the User of the Platform. Both INDOIC Nidhi and the User are collectively referred to as "Parties" and singularly referred to as "Party".

If you are into a separate written agreement with the INDOIC Nidhi, for any of its services these Terms shall be deemed to be incorporated into that agreement, whether it is specifically called out or not. When you access or use our Website and/or the Services, these Terms shall apply and shall be legally binding on you and to your access and use of the same even if not accepted by you separately.

ELIGIBILITY INDOIC Nidhi's services are available to anyone having a valid Indian mobile phone number and an e-mail address. Users below the age of 18 years ("Minor(s)") can use the Platform only with the permission and under the supervision of their legally appointed guardian ("Guardian"). Users who have been previously suspended or removed from availing any service by INDOIC Nidhi shall not be eligible to avail services from INDOIC Nidhi. Users shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age or affiliation with any person or entity.

DEFINITIONS For the purpose of these Terms of Use including General Terms and Conditions, Inclusive Banking Terms and Conditions and API Banking Terms and Conditions, the following words and phrases shall have the meaning assigned to them under this Article.

"Applicable Law" includes 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, board, recognized stock exchange, as may be applicable including but not limited to Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks, Business Correspondent Guidelines issued by RBI from time to time, Payment & Settlement Systems Act, 2007, Aadhaar (Authentication) Regulations, 2016, Aadhaar (Data Security) Regulations, 2016, Aadhaar (Sharing of Information) Regulations, 2016 issued by UIDAI and rules made thereunder, Policy Guidelines on Issuance and operation of Pre-paid Payment Instruments in India.

"Chargeback" shall mean and include reversal of any transaction made by Service Provider's User inter alia, on account of, including but not limited to:

any alleged forgery of User's account, card or other details; any charge/debit made on account or card that has been listed as a hot listed card or otherwise listed on the card association warning bulletins; duplicate processing of the transaction; any amount required to be refunded due to, denial of transaction by the User / valid card holder as wrongly charged payment / extra payments and/or due to the fraudulent use / misuse of the personal and financial information of the Service Provider's User by any unauthorized person and / or any other reason as required / approved by the concerned banks, as the case may be. "Confidential Information" means and includes the Intellectual Property and any and all business, technical and financial information of INDOIC Nidhi or of any of its affiliates that is related to any of the arrangements contemplated in these Terms of Use or any other document in which these Terms of Use are incorporated by reference or otherwise disclosed by INDOIC Nidhi to the User any information which relates to its financial and/or business operations, including but not limited to, specifications, models, merchant lists/information samples, reports, forecasts, current or historical data, computer programs or documentation and all other technical, financial or business data, information related to its internal management, customers, products, services, anticipated products/services, processes, financial condition, employees, merchants, Intellectual Property, marketing strategies, experimental work, trade secrets, business plans, business proposals, customer contract terms and conditions, compensation/commission/ service charges payable to the User, and other valuable confidential information and materials that are customarily treated as confidential or proprietary, whether or not specifically identified as confidential or proprietary.

"Credit" shall mean the payment made by the User to the Company to carry out transactions through the INDOIC Nidhi platform.

"Effective Date or Registration date" shall mean the date of registration of account of the User on INDOIC Nidhi's platform.

"Intellectual Property" shall mean all intellectual property used for the purpose of or in association with or in relation to the performance of these Terms of Use and Applicable Agreement, and includes without limitation, (a) Software, operating manuals, software code, program, instructions, specifications, processes, input methods, data or information used in relation to, or in association with, or for the operation of the software installed by the Company, (b) the trademarks, service marks, trade names, business names, logos, symbols, styles, colour combinations used by the Company during the course of its business and all depictions, derivations and representations graphics, images, content and the ‘look and feel' of all of the above, (d) all information, data or material in whatever form, whether tangible or not, provided by the Company to the User during the course of Applicable Agreement; and (e) all techniques, formulae, patterns, compilations, processes, inventions, practices, methodology, techniques, improvement, utility model, procedures, designs, skills, technical information, notes, experimental results, service techniques, samples, specifications of the products or services, labeling specifications, rights on software, and any other knowledge or know-how of any nature whatsoever.

"KYC" or "Know Your Customer" shall mean the process prescribed under the Applicable Law to collect and authenticate the User's personal or business identification details before offering the Services to the User.

"Services" shall mean the services provided by INDOIC Nidhi and various Service Providers to the Users utilizing the INDOIC Nidhi Platform including but not limited to banking services, non-banking services and other such services.

"Service Provider" shall mean any banking and/or non-banking entity with which InstantPay has, directly or indirectly, executed an agreement for facilitating Transactions between such entity and its Customers.

"Users" shall mean and include individuals or corporate entities who are accessing & availing INDOIC Nidhi services through INDOIC Nidhi platform either directly or indirectly.


These General Terms and Conditions govern the User's access to the Services provided by INDOIC Nidhi:

INFORMATION SUPPLIED TO INDOIC Nidhi. Users agree that the information provided by the Users to INDOIC Nidhi on registration and at all other times, including payment, is true, accurate, current, and complete.

SECURITY OF ACCOUNT. Users' mobile number and email identifies a Users' account with INDOIC Nidhi through which INDOIC Nidhi services are dispensed ("Account"). INDOIC Nidhi encourages Users to choose a strong password to protect their Account. It is advised that Users do not share their password with anyone or write it down. Neither INDOIC Nidhi nor its Service Providers, under any circumstances, will ever ask for a User's Account password or any other confidential information. If a User has any reason to believe that his Account is no longer secure, then the User shall immediately change the Account password and indemnify INDOIC Nidhi from any liabilities that may arise from the misuse of such User's Account.

PRIVACY POLICY. All information collected from a User pursuant to provision of INDOIC Nidhi's services during the performance of these Terms of Use or Applicable Agreement, is subject to INDOIC Nidhi's Privacy Policy.

RECLAIMING INACTIVE ACCOUNTS. If an Account is found to be overly inactive, the Account may be reclaimed by INDOIC Nidhi without providing notice to the concerned User. An Account is considered as inactive if the concerned User is not signing in and/or has not done any transactions for more than 6 consecutive months.

THIRD PARTY SITES, PRODUCTS AND SERVICES. INDOIC Nidhi's services and/or the Site may include links or references to other web sites or services solely for the Users' convenience ("Reference Sites"). INDOIC Nidhi does not endorse any such Reference Sites or the information, materials, products, or services contained on or accessible through Reference Sites. Correspondence or business dealings between Users and concerned Reference Sites are solely between such User and the concerned Reference Site. Access and use of Reference Sites, including the information, materials, products, and services on or available through Reference Sites is solely at the concerned User's own risk.

COMMUNICATION POLICY. The User hereby accepts that:

INDOIC Nidhi may send transactional or non-transactional business communication in the form of SMS or Email or Push notifications as part of its efforts to fulfil the User's request or service your account. A User may continue to receive all such communication from INDOIC Nidhi even after opting out of marketing communications.

INDOIC Nidhi will make the best efforts to provide notifications and it shall be deemed that the User shall have received the information sent from the Company during the course of, or in relation to, using the INDOIC Nidhi Platform or availing any Services. INDOIC Nidhi shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. The User cannot hold the Company liable for non-availability of any notification service in any manner whatsoever.

LIMITATION OF LIABILITY. In no event will INDOIC Nidhi or its directors, agents, officers, or employees be liable to a User for any special, indirect, incidental, consequential, punitive, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) of any kind arising out of or relating to (i) this Terms of Use or any other agreement entered by a User with INDOIC Nidhi, (ii) INDOIC Nidhi's services, the Site or any Reference site, or (iii) User's use or inability to use INDOIC Nidhi's services, the Site or any Reference Sites, even if INDOIC Nidhi or a INDOIC Nidhi authorized representative has advised of the possibility of such damages, (iv) unauthorized access to or alterations of transmissions or data, any material or data sent or received or not sent or received, (v) any transactions entered into by any third person or conduct of any other third party or any infringement of another's rights, (vi) the use of counterfeit or stolen cards, or stolen devices, or (vii) fraudulent electronic transactions. It shall be at the sole discretion of INDOIC Nidhi to reverse any transaction subject to approval of the concerned Service Provider. Notwithstanding the above, if any court of law finds that INDOIC Nidhi or its directors, officers, or employees, are liable to indemnify a concerned User despite the existence of this Clause 1.7, such liability shall not exceed the amount paid by the concerned User, if any, for using the portion of the INDOIC Nidhi's services or the Site giving rise to the cause of action. Users acknowledge and agree that INDOIC Nidhi has offered its products and services, set its prices, and entered into these Terms of Use and Applicable Agreement in reliance upon the warranty, disclaimers, and the limitations of liability set forth herein. Users acknowledge that the warranty, disclaimers, and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between Users and INDOIC Nidhi, and that the warranty, disclaimers, and the limitations of liability set forth herein form an essential basis of the bargain between Users and INDOIC Nidhi. INDOIC Nidhi would not be able to provide the services to Users on an economically reasonable basis without these limitations.


If INDOIC Nidhi is intimated, by the bank, that a Customer has reported an unauthorized debit/chargeback of the Customer's Payment Instrument ("Fraudulent Transaction"), User shall be notified by the INDOIC Nidhi. The User shall be entitled to furnish documents and information pertaining to the Transaction associated with the Chargeback within five (5) days (or such other period specified by the bank). The User agrees and acknowledges that (i) if the User is unable to furnish Chargeback Documents (ii) the bank is not satisfied with the Chargeback documents furnished by the User, then the bank shall be entitled to order the INDOIC Nidhi to effect a reversal of the debit of the Chargeback Amount associated with the Chargeback such that the said chargeback amount is credited to the Customer's Payment Instrument. INDOIC Nidhi shall also be entitled to suspend the settlement of the amount under dispute or hold the value of transaction under dispute from the following settlement of the transaction during the pendency of inquiries, investigations and resolution thereof by the Service Providers to the User.

Pursuant to clause 1.8 (i) above, if the amount in respect of the Fraudulent Transaction has already been settled to the User, any dispute arising in relation to the said Fraudulent Transaction, shall be resolved in accordance with the RBI's notifications, circulars and guidelines issued in this regard from time to time.

The User also agrees and acknowledges that it is liable to pay fines, penalties and charges imposed by the Banks, card payment networks or any regulatory authority on account of Transactions that are in violation of Applicable Law.

The User further agrees and acknowledges that following INDOIC Nidhi incurring the charge stipulated in clause 1.8(iii), if the available Transaction Amounts are insufficient for deduction of the Chargeback Amount, then INDOIC Nidhi is entitled to issue a debit note seeking reimbursement of the Chargeback Amount from the User. The User shall reimburse the Chargeback Amount within three (3) working days of receipt of the debit note.

The Parties hereto agree that any payment instructions for Transactions accepted by the User as per the terms hereof which are subsequently disputed due to (a) the authorization by the User of any Transaction with an amount exceeding the User's account balance or credit limit, or (b) the authorization by the User of a fraudulent Transaction, shall always be the liability and responsibility of User.

The User hereby acknowledges and agrees that INDOIC Nidhi is a facilitator for payment processing services which are requested and authorized by Users and INDOIC Nidhi shall not be responsible for any unauthorized transaction done by any person including third party and amounting to infringement of another's rights or any chargebacks claimed by the Customers. It will be the responsibility of Users to ensure due protection while transacting online or otherwise. INDOIC Nidhi will assist the Users in settling any queries related to the Services that arise between the Users, and its Customers. However, INDOIC Nidhi shall bear no responsibility with respect to the dispute or query related to payment made by the Customers to the Users.


The User shall comply with the provisions contained in the Information Technology Act, 2000 and the statutory rules framed there under, from time to time, in so far as the same has application to its operations in accordance with these Terms of Use, and also with all other Laws, rules and regulations, whether already in force or which may be enacted from time to time, pertaining to data security and management, data storage, sharing and data protection, and various rules, regulation and provisions as may be applicable, as and when the same is enacted into a law and comes into force, and shall ensure the same level of compliance by all its employees.

The User confirms and certifies that it shall not engage in any act that violate any laws and regulations. It shall also ensure that the financial data or any other information of the Customers received by the User are stored in a system only in India. This data shall include full end to end transaction details/information collected/carried/processed as part of the message/payment instructions.

USER'S REPRESENTATIONS AND WARRANTIES. The User represents and warrants that:

it shall immediately intimate INDOIC Nidhi of any violation or potential violation of these Terms of Use or of other circumstances that may cause damage to the goodwill and reputation of INDOIC Nidhi,

it shall be responsible to obtain any and all consents and approvals that are required from regulatory or governmental authorities, including any consent from Customers required to transfer data to the User and/or the INDOIC Nidhi Platform, as the case may be, in accordance with Applicable Law,

All costs associated with purchasing of software licenses and hardware (if any) are to be absolutely and unconditionally borne by the User,

it shall be solely responsible for and hereby undertakes to strictly comply with Privacy Policy, and Applicable Law having jurisdiction in any manner whatsoever in connection with discharge of its duties under the Applicable Agreement, including but not limited to data protection, security, piracy, and directions issued by the Reserve Bank of India relating to payment data, and shall obtain and maintain in full force and effect all registrations required under Applicable Law for the operation of the business in terms of the Applicable Agreement, and

it shall not access (or attempt to access) the website and the Products by any means other than through the interface that is provided by INDOIC Nidhi. It shall not 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 INDOIC Nidhi Platform, or in any way reproduce or circumvent the navigational structure or presentation of the platform, without INDOIC Nidhi's express prior written consent.

it shall not 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 server, computer, network, or to any of the services offered on or through the Platform, by hacking, password "mining" or any other illegitimate means.

INDEMNIFICATION. (A) User agrees to indemnify, save, and hold INDOIC Nidhi, its affiliates, contractors, employees, officers, directors, agents and its third-party suppliers, licensors, and partners harmless from any and all claims, demands, actions, suits which may be threatened or brought against INDOIC Nidhi, and also against all losses, damages, liabilities, costs, charges and expenses, including without limitation, legal fees and expenses arising out of or related to:

Users' use or misuse of INDOIC Nidhi's services or of the Site/application,

any violation by the User of Terms of Use or Applicable Agreement,

any breach of representations, warranties and covenants made by the User in these Terms of Use, or Applicable Agreement,

any claim or legal notice or quasi-legal proceedings to which INDOIC Nidhi may be required to become party or to which INDOIC Nidhi may be subjected by any person including any governmental authority, by reason of breach of any Applicable Law,

due to failure of a User to obtain any required statutory or regulatory approval necessary for the performance of its obligations in the Applicable Agreement with INDOIC Nidhi,

all liability, claims, damages, costs, expenses suffered or incurred by INDOIC Nidhi as a result of any act or violation by User under Section 269ST of the Income Tax Act, 1961 while acting as collection agent of the Company

INDOIC Nidhi reserves the right, at User's expense, to assume the exclusive defense and control of any matter, including rights to settle, for which concerned User is required to indemnify INDOIC Nidhi. The User agrees to cooperate with INDOIC Nidhi's defense and settlement of these claims. INDOIC Nidhi will use reasonable efforts to notify concerned the User of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it.

DISCLAIMER To the fullest extent permissible pursuant to Applicable Law, INDOIC Nidhi and its officers, directors, employees, and agents disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by a User from INDOIC Nidhi or through INDOIC Nidhi's services or the Site will create any warranty not expressly stated herein. INDOIC Nidhi does not authorize anyone to make any warranty on its behalf and Users should not rely on any such statement. Users acknowledge that INDOIC Nidhi is a reseller and is not liable for any third-party seller's obligations. It is User's responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, merchandise and other information provided through the Site or on the internet generally. INDOIC Nidhi does not warrant that its services will be uninterrupted, or free of errors, viruses or other harmful components, and that any of the foregoing defects will be corrected. INDOIC Nidhi's services and the Site and any data, information, third party software, Reference Sites, or Software made available in conjunction with or through its services and the Site are provided on an "as is" and "as available", "with all faults" basis and without warranties or representations of any kind either express or implied. INDOIC Nidhi and its third-party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of INDOIC Nidhi's services, the Site or any Reference Sites in terms of correctness, accuracy, reliability, or otherwise.


INDOIC Nidhi's services and the Site are owned and operated by INDOIC Nidhi and/or third-party licensors. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of INDOIC Nidhi's services and the Site provided by INDOIC Nidhi (the "Materials") are protected by Applicable Law. As between User and INDOIC Nidhi, all Materials and INDOIC Nidhi's Intellectual Property are the property of INDOIC Nidhi and/or third-party licensors or suppliers. User agrees not to remove, obscure, or alter INDOIC Nidhi or any third party's copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through INDOIC Nidhi's services. Except as expressly authorized by INDOIC Nidhi, the User agrees not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials or INDOIC Nidhi's Intellectual Property. Parties do not accrue any rights or interest in the other Party's Intellectual Property and use of any Intellectual Property by either User or INDOIC Nidhi shall be strictly in for the fulfillment of and in compliance with the terms of the agreement between such User and INDOIC Nidhi. Parties undertake that they shall not, nor will they allow others to, reverse engineer or disassemble any parts of the other's Intellectual Property. If Users' have comments regarding INDOIC Nidhi's services and the Site or ideas on how to improve it, please contact our Helpdesk. Please note that by doing so, concerned User hereby irrevocably assign to INDOIC Nidhi, and shall assign to INDOIC Nidhi, all right, title and interest in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. The concerned User agrees to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

The User undertakes that:

they shall use the Intellectual Property solely for discharge of their duties under the Applicable Agreement,

they shall use Intellectual Property of other party only in the form and manner stipulated by such other party,

they shall seek prior written consent from other party for use of such party's Intellectual Property which is not previously provided for by such Party,

they shall bring to other party's notice all cases concerning such party's Intellectual Property's (a) infringement, (b) passing off, (c) registration, or (d) attempted registration,

they shall render to other party all assistance in connection with any matter pertaining to the protection of such party's Intellectual Property whether in courts, before administrative agencies, or otherwise,

they shall refrain from taking any action which shall or may impair other party's right, title or interest in the Intellectual Property, or create any right, title or interest therein or thereto, adverse to that of the other party,

they shall not use or permit to be used the Intellectual Property by any unauthorized person, and

they shall not misuse the Intellectual Property or use it together with any other mark or marks.


The User shall keep Confidential Information as confidential. The User confirms that it shall protect Confidential Information with such security, confidentiality and degree of utmost care as it would prudently apply to its own confidential information and use it solely in connection with the transaction to which the Confidential Information relates. The User acknowledges and agrees that it is aware of the sensitivity & secrecy involved in keeping the customer data/information and transaction records and shall ensure that neither the User nor their employees, directors etc. will do any act to violate the same. Notwithstanding anything contained in this Clause 1.15, Confidential Information shall exclude any information:

which is already in the possession of the receiving Party and not subject to any other duty of confidentiality,

that is at the date hereof, or subsequently becomes, public otherwise than by reason of a breach by the receiving Party of these Terms of Use,

Information that becomes legally available to the receiving Party and/or its affiliates or professional advisors on a non-confidential basis from any third party, the disclosure of which does not, to the knowledge of that Party, violate any contractual or legal obligation which such third party has to the other Party with respect to such information, and

Information that is independently acquired or developed by the receiving Party and/or its affiliates or professional advisors.

The User hereby agrees that it shall not disclose any Confidential Information received by it without the prior written consent of the Company to any third party at any time. Provided however, that either Party may make the following disclosures for which no consent shall be required from the other Party:

Disclosures to its directors, officers, employees, affiliates/subsidiaries/group/holding companies, third party service providers and any employees thereof that it reasonable determines need to receive the Confidential Information;

Disclosures to its legal and other professional advisers, instructed by it that it reasonably determines need to receive the Confidential Information; or

Disclosures to any person to whom it is required by law or any applicable regulatory, supervisory, judicial or governmental order, to disclose such information, or at the request of any regulatory or supervisory or judicial or government authority.

GOVERNING LAW . This Terms of Use shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions and the exclusive jurisdiction of competent courts in New Delhi, India.

FORCE MAJEURE . INDOIC Nidhi shall not be liable for failure to perform its obligations under these Terms of Use to the extent such failure is due to causes beyond its reasonable control. In the event of a force majeure, the Company if unable to perform shall notify the User in writing of the events creating the force majeure and the performance obligations of the Company will be extended by a period of time equal to the length of the delay caused by force majeure; provided that if any such delay exceeds ninety days, then following such ninety day period, either Party hereto may terminate the unperformed portions of these Terms of Use on ten days prior written notice to the other Party. For the purposes of these Terms of Use, force majeure events shall include, but not be limited to, acts of God, failures or disruptions, orders or restrictions, war or warlike conditions, hostilities, sanctions, mobilizations, blockades, embargoes, detentions, revolutions, riots, looting, strikes, stoppages of labor, lockouts or other labor troubles, earthquakes, fires or accidents and epidemics.


SEVERABILITY. If any provision of this Terms of Use is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Terms of Use to the minimum extent required, and the remaining provisions will remain valid and enforceable.

ASSIGNMENT. These Terms of Use and any rights granted hereunder, shall not be assignable by the User, but may be assigned by INDOIC Nidhi without restriction. Any assignment attempted to be made in violation of this provision shall be void and of no effect.

HEADINGS. The heading references herein are for convenience purposes only, do not constitute a part of these Terms of Use, and will not be deemed to limit or affect any of the provisions hereof.

NOTICE. INDOIC Nidhi may provide Users with notices and communications by email, regular mail, or posts on the INDOIC Nidhi website, www.digitalbharatpay.in or by any other reasonable means. Except as otherwise set forth herein, notice to INDOIC Nidhi must be sent by courier or registered post to the Legal Department, INDOIC Nidhi India Limited, Plot No-203, Hari Nagar Part-2 Badarpur New Delhi-110044, India.

WAIVER. The failure of INDOIC Nidhi to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by INDOIC Nidhi.

RELATIONSHIP BETWEEN THE PARTIES. The Terms of Use are not intended by the Parties to constitute or create a joint venture, pooling arrangement, partnership, agency or formal business organization of any kind. INDOIC Nidhi and the User shall be independent contractors with each other for all purposes at all times and neither Party shall act as or hold itself out as an agent or representative of the other Party nor shall create or attempt to create liabilities for the other Party by acting or holding itself out as such.

GRIEVANCE REDRESSAL: Any complaint, dispute, grievance can be addressed to INDOIC Nidhi through its Customer Service in accordance with its Grievance Policy.

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