QUICK PAISA PAYMENT POLICY

The following Payments Policy (“Policy”) applies to all users and details how your payments are made and received by Quick Paisa (“QPaisa” or “we” or “us” or “our” or other similar pronouns) in connection with our website located at qpaisa.com (the “Site”), the Quick Paisa Software (the “Quick Paisa App”), and other products and services provided on the Site (all of the foregoing, collectively, the “Services”).

By using the Services, you are accepting the terms, conditions and policies described in this Policy, as may be amended from time to time. Each time you use the Services and/or pay for a Service on the Site, you agree and expressly consent to the following:

Generally

If you are under the age of eighteen (18) you need your parent or guardian to be involved in order to make any payments on Quick Paisa.
By making payments through the Site or the Quick Paisa App, you agree that we may communicate with you via call and/or email and/or any other available means in connection with any purchase you make on the Site or the Quick Paisa App.

For certain purchases, we may present you with additional terms before you complete the purchase (“Additional Terms”). The Additional Terms and the terms contained in this Policy will apply to your purchase. In the event there is a conflict between the provisions of this Policy and the Additional Terms, the Additional Terms will control.

Payments

Quick Paisa Credit. You can purchase credits (“Mobile Credit”) using online payment method made available to you by Quick Paisa. Quick Paisa Credit currently can be used only for mobile balance. The Quick Paisa Credit that you purchase will be applied to your User Account at the time of purchase. We will email you an acknowledgement of your order of Quick Paisa Credit at the email address provided by you to us.

Quick Paisa Credit Expiration. Quick Paisa Credit expires after mention date provided by network operator. If you do not use your mobile Credit for a period of mentioned days, (including Quick Paisa Credit that has been allocated to you by a Quick Paisa administrator) such credits will expire and you will not be able to reactivate them.

Confirmation of Charges. The charges for applicable Services will not be confirmed with you before you complete a purchase from Quick Paisa and may include taxes, fees or other costs. Quick Paisa may change the prices of such products at any time without any notice to you. You can choose whether or not to accept the new charges prior to completing your next purchase of the applicable product. The new prices will apply to your next purchase after the new prices have been published.

No Reliance on Future Availability. You agree that you are not relying on the future availability of any feature or product offered through the Service in agreeing to or making payments hereunder.

No Cost Service Offerings. From time to time, Quick Paisa may offer certain products or features available at no charge for a trial period, at Quick Paisa’s sole discretion, including as to duration and scope of no charge offers. However, Quick Paisa reserves the right to charge you for such products (at the normal rate) in the event that Quick Paisa determines (in its reasonable discretion) that you are abusing the terms of the offer, including if you are using any service, proxy or other device or anonymous IP address that prevents us from locating you.

Taxes. Quick Paisa may collect VAT or other indirect taxes at the applicable rate for the particular country (as per applicable tax rules) at the time of purchase of Quick Paisa Credit or at the time you use the Quick Paisa Credit and/or withdraw your cash.

Transaction Cancellation. We may refuse or cancel a transaction at any time in our sole discretion, if we believe it violates our Terms of Use or this Payments Policy or to prevent financial loss. In cases of fraud or illegal acts, we may cancel your Quick Paisa Credit.

Updating Payment Methods. You can change your payment method and billing information by logging into your Quick Paisa account athttp://www.qpaisa.com/sigin/. You agree that Quick Paisa may use information regarding your selected payment method provided by your issuing bank or applicable payment system.

Third Party Payment Processors. We use the services of third parties to process your payments and we require that these third parties take the appropriate organizational and technical measures to protect your personal data and traffic data and to comply with relevant laws. Please review the terms of use and privacy policies of those third parties before providing your banking or payment information. See below for further information regarding Payment Through Third Party Services.

Data Usage & Charges. Using the Services on mobile applications will use some of the data allowance available on the data package to which you have subscribed with your mobile network operator. Out-of-country usage may lead to significantly higher costs than regular usage, and you are solely responsible for keeping yourself informed and paying for possible roaming and other applicable charges levied by your mobile network operator.

Unclaimed Property. Certain unclaimed property laws may be applicable in your jurisdiction. If you leave a credit balance unused for the period of time set forth by such laws, or if you delete your account and leave a balance, or if we deactivate your account, we may process your balance in accordance with our legal obligations under the applicable laws of your jurisdiction.

Mobile Billing

We allow payment by mobile operators in certain locations. When you use the mobile billing method you agree to the sharing of information between us and the mobile operator for billing-related activity. In addition, you are responsible for any charges, fees, changes to your mobile plan service or billing, alterations to your mobile device, or any other consequence that may arise out of your use of mobile billing. The terms and conditions of your mobile operator apply to your payment, in addition to our Terms.

If you have questions about any charges or fees that appear on your mobile phone bill, you may contact your mobile provider’s customer service division. Please note that use of mobile billing may lead to charges that, for various technical reasons beyond our control, cannot be refunded.

Refunds

Except as provided by law, all purchases are final and non-refundable. If you believe that Quick Paisa has charged you in error, you must contact Quick Paisa within 90 days of such charge. No refunds will be given for any charges more than 90 days old.  When you purchase any digital content from Quick Paisa, any right you may have to withdraw from or cancel the purchase will terminate once the digital content has been delivered to you upon your request, and you will not be entitled to claim any refund, except where you believe Quick Paisa has charged you in error. If you use third party services to purchase any of our Services, such purchase is subject to the refund terms of the applicable third party (including with respect to payment terms, refunds, etc.).

Quick Paisa reserves the right to refuse a refund request if it reasonably believes or suspects (i) that you are trying to unfairly exploit this refund policy, for example, by making repetitive refund requests in respect of the same product or feature, or by trying to receive a refund for a non-refundable credit (such as a reward); (ii) that you are in breach of the terms of  Policy, the Terms of Use or the Privacy Policy; (iii) that you are using any of our products fraudulently or that your User Account is being used by a third party fraudulently; or (iv) that you purchased your Quick Paisa Credit through a third party service and the terms of such third party do not allow such refund. This refund policy does not affect any of your statutory rights to pursue a claim.

Sharing Information

We may share details of payment by you and your Personal Information as defined in our Privacy Policy with third parties if required in order to prevent a financial loss to you or us, or to prevent a violation of law.

Legal

The general legal terms appearing in Quick Paisa’s Terms of Use and Privacy Policy also apply to this Policy.

Courtesy Translations. This Policy was written in English. To the extent any translated version of these terms conflicts with the English version, the English version controls.

Customer Support

If you have any questions or requests related to this Policy please contact our support center by sending an email to: support@qpaisa.com.