Services herein shall mean the payment services availed by You as an end user ("You/End User") through Spice Money (Wallet) which is a semi-closed prepaid instrument, operated under the authorisation granted by RBI under Payment and Settlement System Act 2007, and shall be linked to Your registered mobile number after Your registration on Wallet. The payment services shall include money transfer services. For the purpose of availing the Services, You will be required to register Yourself upon providing certain information. Upon verification and successful registration, Your user account ("User Account") will get created in the form of a mobile wallet through which You will be able to avail the Services.
4. PROPRIETARY RIGHTS AND LICENCE
4.1. All trademarks, copyright, database rights and other intellectual property rights of any nature in the Website and Services, any name, mark or logo related to Spice and/or the Services are owned either directly by Spice or Spice’s licensors. You should not adapt or use otherwise any name, mark or logo that is identical, or confusingly similar to any of these marks and logos. You agree and acknowledge that the access and use of the Services and Website shall not be construed to confer on You any rights of any nature including rights in any form of intellectual property contained in the Services and/or Website or related to Spice. If in the course of accessing and using the Services and Website, You even unintentionally infringe the rights including rights in any form of intellectual property of Spice or Spice’s licensors in the Services, You shall immediately cease and desist any such use.
4.2. You agree and confirm that You shall not at any time reveal or make public any and all proprietary and/or confidential information relating to Spice, its business, the Services, that You may gain access to during the course of accessing and using the Services. Except as expressly authorized by Spice, You agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the content comprised in the Website or Services, in whole or in part.
5. CONDITIONS OF USE
5.1 The Website and the Services are not available to persons under the age of 18 or to anyone previously suspended or removed from the Services by Spice. By accepting these Terms and/or by using the Website/Services, You represent that You are at least of the age of 18 years.
5.2 The Website and the Services here under are currently made available to You for Your personal and non-commercial use. Spice reserves the right to amend or withdraw the Website and the Services, provided to You in accordance with these Terms, at any time and for any reason.
5.3 You acknowledge that the terms of agreement with Your respective telecom or internet service provider will continue to apply when using the Services. As a result, You may be charged by the respective telecom or internet service provider for access to network connection services for the duration of the connection while accessing the Website and the Services or any such third party charges as may arise. You accept responsibility for any such charges that arise, and shall not claim the same from Spice or dispute the same.
5.4 If you are not the bill payer for the internet services provided by the telecom operator/internet service provider being used to access the Services, You will be assumed to have received permission from the bill payer for using the Services.
5.5 You are solely responsible for your use of the Services. Spice does not create, monitor, examine or inspect the content delivered to You through the Services, if any. Such content may include links to third-party websites and content. The linked content is not under Spice’s control and Spice is not responsible whatsoever for the content of any such linked content. The content does not represent or reflect any advice, views, opinions or beliefs of Spice. Further, you are advised to lodge a complaint ( on www.spicemoney.com ) regarding any un-authorized transaction from your PPI wallet.
5.6 You must only use the Services and anything available via the Services for lawful purposes (complying with all Applicable Laws), in a responsible manner, and not in a way that might damage Spice’s name or reputation or that of any of Spice’s affiliates or service providers. You agree and acknowledge that the use of the information delivered to You through the Services is Your sole responsibility and that Spice shall not at any time be held responsible for any unlawful usage of the information secured through the Services, by You.
5.8 You will not, nor allow third parties on Your behalf to (i) make and distribute copies of the Website (ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Website; or (iii) create derivative works of the Website of any kind whatsoever.
5.9 You shall not host, display, upload, modify, publish, transmit, update or share any information that:
(a)belongs to another person and to which You do not have any right to;
(b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
(c) harm minors in any way;
(d) infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items;
(e) violates any law for the time being in force;
(f) deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
(g) impersonate another person;
(h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
(i) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation.
(j) shall not be false, inaccurate or misleading;
6. CONDITIONS OF USE SPECIFIC TO THE SERVICES
You agree and acknowledge the following:
6.1 You are solely responsible for entering the correct information (name, phone number, email address, home address, Date of Birth, Gender etc.);
6.2 Spice is not responsible for faulty internet connection or electricity failure or any other problem on Your side while availing the Services;
6.3 Spice shall not in any way be liable for any delay, disruption or defects in the online payment facility provided by any financial institution/bank/payment gateway service provider. You acknowledge that You assume all the risks involved in using the online payment facility provided by the financial institution/bank/payment gateway service providers and Spice shall not be in any way liable for any damage, loss, expense, liability or detriment caused (directly or indirectly) by a defect in said online payment facility.
6.4 PPI account cash loading limit will be Rs.50000 per month.
6.5 Your PPI Account is reloadable in nature and amount outstanding shall not exceed Rs 1 lac (1,00,000/-) at any point of time.
6.6 Spice provides you the necessary option to set your own limit of fund transfer.
6.7 Fund transfer limit for beneficiary shall not exceed Rs 1 lac per month per beneficiary.
(a) Your User Account shall be valid for a period of five years from the date of creation of the User Account, or from the date of last transaction made by You while availing the Services through the User Account, whichever is later. After the expiry of said validity period, Your User Account shall get expired and You will be intimated accordingly. In case you approach the Company for refund of such outstanding amount at any time after the date of expiry of PPI, then such amount shall be paid to you in your bank account post verification by company. You can contact our customer care for the same at firstname.lastname@example.org. The customer can also call the Company’s customer care number 0120-3986786, 5077786 between 7:00 AM and 11:00 PM, on all days. However,Spice reserves the right to forfeit the outstanding balances lying in Your User Account at the expiry of three years from the day on expiry of your account. However, before expiry of validity period, You shall be cautioned at reasonable intervals during the 45 days period prior to the expiry of said PPI account, by SMS or e-mail. After expiry of each validity period, the rules governing the extension of validity period and forfeiture shall be the same as mentioned above.
(b) Your PPI wallet will be made inactive, in case there is no transaction from a consecutive period of 12 months and the same shall be re-activated only after due diligence.
6.8 You can approach to Spice to close your account and withdraw the amount lying in your user account. You need to raise a request to Spice to transfer the amount in your bank account. Spice shall verify the authenticity of the customer and amount shall be paid directly in the bank account. Post withdrawal of amount Spice shall close the account.
6.9 Your correspondence or related activities with third parties, including payment transactions under the Services are solely between You and that third party. You agree that SPICE will not be responsible or liable for any loss or damage of any sort incurred as the result of any of Your transactions with third parties.
6.10 Fee-based Services require You to pay a charge or fee, as described in the specific conditions included where those Services are offered:
(a) You agree to pay all fees and charges which are specified for availing any fee based Services. Unless otherwise noted, all currency references are in Indian Rupees.
(b) SPICE may, upon notice if required by applicable laws, at any time change the amount of, or the basis for determining, any fee or charge, or institute new fees or charges.
(c) All taxes, levies, cesses or statutory claim for the charge or fee paid to SPICE shall be borne and paid by you, whether past, present or future, including penalties or claims of any nature whatsoever.
(d) The cost of connectivity including but not limited to voice calls, GPRS activation charges, internet charges and charges for sending/receiving SMS from designated numbers will be borne by You as per the charges specified by Your respective service providers.
6.11 Refund of amount loaded/reloaded in User Account, as the case may be, will be done in accordance with regulatory framework prevailing and as amended from time to time.
6.12 SPICE shall not be liable/ responsible for any defect in the product/merchandise/goods/services purchased/availed from third parties through Wallet.
6.13 SPICE is not responsible in any manner whatsoever for non-provisioning of the Services due to GPRS/EDGE/3G failure/internet connectivity failure/download error.
6.14 You understand and agree that password and other information with respect to your User Account are confidential information.
6.15 You agree to immediately change the password on receipt and to continue changing the password periodically (recommended every 15 days).
6.16 You agree that SPICE shall not be responsible if you share your password and other confidential information about Your User Account with any person or fail to abide by the advice given in these Terms about changing password periodically.
6.17 You understand and agree that Your User Account is linked to your registered mobile number.
6.18 SPICE will not be held liable for unauthorized use of User Account on account of loss/theft/misplacement of Mobile number and/or SIM, unless You have informed SPICE customer care about such loss/theft/misplacement and have blocked User Account temporarily till You reactivate the same using a new SIM with same mobile number. It must be noted that You shall continue to be held liable for any unauthorized use of your User Account till You inform SPICE customer care about such loss/theft/misplacement and Your request for blocking your User Account is executed.
6.19 You agree and acknowledge that SPICE shall not be responsible for any use/misuse of User Account in any manner whatsoever.
6.20 SPICE may amend the procedure and process of creation and operation of User Account in compliance with any laws or direction/order of any government/ statutory/regulatory authority and/or court, with or without intimation to the User.
6.21 As of now Spice is providing Services in the Territory only, therefore only individuals of 18 years or older and residing in India may enroll for the Services. Spice reserves the right to prevent access to the Website and the Services there under from mobile number or IP addresses outside of India.
6.22 You agree and undertake that You shall not use or create fake ID or provide any fake/false profile information for availing the Services through the Website.
6.23 You agree to promptly notify Spice of any change in Your mobile number or email address or any other details in Your personal profile by sending an e-mail to email@example.com or firstname.lastname@example.org
6.24 Spice will not be liable to pay any compensation if any error occurs due to any technical or manual fault at the end of the web server holder.
6.25 You are solely responsible for Your device and the internet services that connect Your said device to the Website.
6.26 You agree and confirm that You shall not be entitled to opt out of receiving transactional messages pertaining to the Services.
6.27 You agree and confirm to provide SPICE any and every detail SPICE requires to obtain from You, including such other personal or proprietary information relating to any of Your acts or omissions or violations of other persons who may be a party with You, on suspicion or otherwise in relation to the use of Website.
6.28 Spice has defined PPI transaction charges as minimum Rs. 10, Maximum upto 0.70% or Rs. 175 (per Rs 25,000 transaction) whichever is lower. If any of its authorized agent is collecting more than that, You can call the Company's customer care numbers 0120-3986786, 0120-5077786 between 7:00 AM and 11:00 PM, on all days or write at email@example.com or write to our grievance officer.
7. Modifications and Interruption to Service
Spice reserves the right to modify or discontinue the Service with or without notice to You. Spice shall not be liable to You or any third party should Spice exercise its right to modify or discontinue the Service. You acknowledge and accepts that Spice does not guarantee continuous, uninterrupted or secure access to Website and operation of our Website may be interfered with or adversely affected by numerous factors or circumstances outside the control of Spice.
8. Collection of End User Information
You agree and acknowledge that Spice may collect IP address and Website usage information from You .
Spice may use the above information, inter alia.
to maintain, operate, provide and enhance our Website and Services; and
to comply with legal requirements or process, or where necessary to prevent or investigate fraud, to protect the safety of an individual. Spice may share Your personally identifiable information with suppliers, subcontractors, vendors and other businesses that we employ to perform functions on our behalf. For example, Spice may employ third parties to send email campaigns or provide marketing assistance, or provide customer service. These entities have access to Your information only for the purposes of performing the functions for which we have engaged them. If such entities have access to Your personally identifiable information, their agreements with us require them to keep Your information confidential.
9.1 Spice will use reasonable efforts to make the Services available at all times. However You acknowledge the Services are provided over networks of internet service providers and dependent on them , so the quality and availability of the Services may be affected by factors outside of Spice’s reasonable control. In the event the Services are unavailable to You for any factors not attributable to Spice and due to any reasons attributable to any third party service provider, Spice shall not be responsible for the same in any event whatsoever.
9.2 You hereby agree and confirm that Spice shall not be held liable for any unavailability or non-functionality of the Website or Services due to war, industrial action, flood, or act of God. You further agree and confirm that Spice shall not be responsible for any disruption in the functionality of the Services and/or any unavailability in the Services, arising due to the internet service provider and/or any other third party, and/or any intermediary who may deliver the Services to You and that You shall not hold Spice liable for any of the same.
10. SYSTEM REQUIREMENTS
10.1 In order to access and use the Services, You are required to have a mobile, computer or laptop or any compatible device with internet connectivity.
10.2 It is Your responsibility to ensure Your device meets all the necessary technical specifications to enable You to access and use the Services.
LIMITATION OF LIABILITY
SPICE, INCLUDING ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, SUB-CONTRACTORS, AGENTS, PARENT COMPANIES, SISTER COMPANIES, SUBSIDIARIES AND OTHER AFFILIATES WILL NOT BE LIABLE, TO THE MAXIMUM EXTENT PERMITTED BY THE APPLICABLE LAW, FOR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, OR ANY OTHER DAMAGE AND LOSS (INCLUDING LOSS OF PROFIT, LOSS OF DATA AND WORK STOPPAGE), COSTS, EXPENSES AND PAYMENTS, REGARDLESS OF THE ALLEGED LIABILITY OR FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE, INCLUDING NEGLIGENCE, INTELLECTUAL PROPERTY INFRINGEMENT, PRODUCT LIABILITY AND STRICT LIABILITY, THAT MAY RESULT FROM, OR IN CONNECTION WITH THE USE OR THE INABILITY TO ACCESS AND USE THE WEBSITE OR THE SERVICES, OR FROM ANY FAILURE, ERROR, OR DOWNTIME IN THE FUNCTION OF THE SERVICES, OR FROM ANY FAULT OR ERROR MADE BY SPICE'S STAFF, OR FROM YOUR RELIANCE ON CONTENT DELIVERED THROUGH THE SERVICES, OR FROM ANY COMMUNICATION WITH SPICE OR FROM ANY DENIAL OR CANCELLATION OF REQUEST FOR INFORMATION THROUGH THE SERVICES, OR FROM RETENTION, DELETION, DISCLOSURE OR ANY OTHER USE OR LOSS OF CONTENT THROUGH THE SERVICES, REGARDLESS OF WHETHER SPICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12.1 LIMITED LIABILITY OF A PPI CUSTOMER
Customer liability arising out of an unauthorized electronic payment transaction will be limited to:
Maximum liability of Customer (PPI holder) (₹)
In case of contributory fraud/ negligence/ deficiency on the part of the Company (irrespective of whether or not the transaction is reported by the PPI holder).
Third party breach where the deficiency lies neither with the Company nor with the customer but lies elsewhere in the system, and the customer notifies the Company regarding the unauthorised payment transaction. The per transaction customer liability in such cases will depend on the number of days lapsed between the receipt of transaction communication by the customer from the Company and the reporting of unauthorised transaction by the customer to the Company -
i. Within three days*
ii. Within four to seven days*
Transaction value or Rs. 10,000 per transaction, whichever is lower.
iii. Beyond seven days*
In cases where the loss is due to negligence by a PPI Holder,such as where he has shared the payment/login credentials, the Customer will bear the entire loss until he/she reports the unauthorized transaction to the Company. Note: Any loss occurring after the reporting of the unauthorized transaction shall be borne by the Company.
Actual Transaction value
13. DISCLAIMER OF WARRANTIES
13.1 EXCEPT AS EXPRESSLY SET FORTH IN THIS TERMS, SPICE EXPRESSLY DISCLAIMS ANY OTHER WARRANTY WITH RESPECT TO THE USE OF THE WEBSITE/SERVICES OR ANY CONTENT OR INFORMATION DELIVERED OR SENT THROUGH THE SERVICES TO YOU. THE SERVICES ARE PROVIDED WITHOUT ANY EXPRESS OR IMPLIED GUARANTEE OR ASSURANCE OF QUALITY, RELIABILITY OF THE INFORMATION DELIVERED THROUGH THE SERVICES. SPICE DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES WITH REGARD TO THE SERVICES. SPICE DOES NOT WARRANT OR GUARANTEE THAT THE USE OF THE SERVICES WILL NOT CAUSE ANY DAMAGES TO YOUR MOBILE PHONE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICE OR TO ANY OTHER SERVICES PROVIDED TO YOUR MOBILE PHONE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICE OR WEBSITE AND CONTENT THAT RESIDE ON YOUR MOBILE PHONE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICE. YOU AGREE AND ACKNOWLEDGE THAT THE USE, AND ACCESS OF THE SERVICES IS ENTIRELY, OR AT THE MAXIMUM PERMITTED BY THE APPLICABLE LAW, AT YOUR OWN RISK.
13.2 SPICE DOES NOT WARRANT OR GUARANTEE THAT THE WEBSITE AND SERVICES WILL OPERATE IN AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE MANNER, OR THAT THE SERVICES WILL ALWAYS BE AVAILABLE OR FREE FROM ERRORS OR THAT THE SERVICES WILL BE IMMUNE FROM UNAUTHORIZED ACCESS.
13.3 SPICE DOES NOT WARRANT, GUARANTEE OR MAKE ANY REPRESENTATIONS THAT YOU WILL FIND THE SERVICES SUITABLE FOR YOUR NEEDS. SPICE DOES NOT WARRANT OR GUARANTEE THAT THE INFORMATION YOU RECEIVE TO YOUR MOBILE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICES WILL BE FREE FROM TECHNICAL INACCURACIES.
13.4 SPICE CANNOT AND DOES NOT GUARANTEE THAT THE WEBSITE AND/OR SERVICES WILL BE FREE FROM VIRUSES AND/OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE ELEMENTS. IT IS YOUR RESPONSIBILITY TO IMPLEMENT APPROPRIATE SECURITY SAFEGUARDS (INCLUDING ANTI-VIRUS AND OTHER SECURITY CHECKS) TO SATISY YOUR PARTICULAR REQUIREMENTS AS TO THE SAFETY AND RELIABILITY OF THE SYSTEM.
You agree to indemnify and hold Spice, the licensors, business partners of Spice or the service providers and their respective officers, directors, shareholders, employees, sub-contractors, agents, parent companies, sister companies, subsidiaries and other affiliates, indemnified and harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Your use of the Website or Services, any unauthorised use of the Website/Services by You, Your violation of these Terms, or Your violation of any rights including rights in any form of intellectual property of any third party and/or any violation of applicable law by You.
15. AMENDMENTS TO THE TERMS
Spice may amend and modify this Terms from time to time, including any and all documents and policies incorporated thereto without any prior notice to You. You agree to be bound by any of the changes made in the Terms, including changes to any and all documents and policies incorporated thereto. Continuing to access and use the Services will indicate Your acceptance of the amended Terms. If You do not agree with any of the amended Terms, then You must avoid any further use and access of the Services. Spice advises You to periodically read these Terms, as it may change from time to time.
16. ENTIRE AGREEMENT