Terms & Conditions

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern PayBoom's relationship with you in relation to this website.

The term "PayBoom" or "us" or "we" refers to the owner of the website whose registered office is:

Kamlai Multi Services India Private Limited
102, Ram Peth, A/P. Nannaj,
Tal. Jamkhed, Ahilyanagar (Ahmednagar), Maharashtra - 413205

A. Eligibility

• Be at least 18 years of age.
• Be a resident of India.
• Use the services in accordance with Indian laws and regulations.

B. Services Provided

We offer online digital payment services in India including but not limited to:

• Mobile Recharge (Prepaid and Postpaid)
• DTH Recharge
• Electricity Bill Payments
• Gas Bill Payments
• Water Bill Payments
• Broadband and Landline Bill Payments
• Insurance Premium Payments
• FASTag Recharge
• AEPS Services
• DMT Services

We act as an intermediary and facilitate payments through licensed third-party service providers.

C. User Account

• You may need to create an account to access certain services.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate and updated information.

D. Payments

Payments are processed through third-party payment gateways. We are not liable for payment processing issues caused by banks or payment providers.

All transactions are final. Please review recharge and bill details before confirming.

For API Users: PayBoom endeavors to deliver services of the highest standard. However, the provision of such services does not constitute a guarantee of absolute performance or immunity from business impact.

PayBoom shall not be liable for any direct or indirect losses, damages, or disruptions resulting from its services. Users are responsible for maintaining adequate backup measures.

PayBoom expressly disclaims any warranty of 100% service uptime or uninterrupted performance.

E. Refund and Cancellation Policy

• Successful recharges and bill payments are generally non-refundable.
• Refunds may be issued only in cases of transaction failure or error after verification.
• Approved refunds will generally be processed within 7–10 business days.

Month-End No Due Confirmation: Users are required to report any pending issues, refund requests or accounting discrepancies within five (5) days following the end of each month.

Failure to report within the stipulated period shall be deemed as full acceptance of the account statement for that month.

Any disputes raised after this period may not be entertained.

F. User Responsibilities

• Services must only be used for lawful purposes.
• Fraudulent, illegal or abusive activity is prohibited.
• Violation may result in account suspension or termination.

If any user or API partner is found connected with network marketing, MLM or referral-based earning activities, their account may be suspended and payments may be held without prior notice.

G. Third-Party Services

Our website may contain links to third-party websites and services. We do not control or endorse such services and are not responsible for their content or practices.

H. Payment and Transaction Terms

• All transactions are processed in Indian Rupees (INR).
• Secure payment gateways are used.
• We do not store card or banking information on our servers.
• Users are responsible for verifying payment details before confirmation.

I. User Conduct

• No fraudulent or illegal activities.
• No misuse of services or infrastructure.
• No unauthorized access attempts.
• Violation may result in suspension or permanent ban.

J. Limitation of Liability

• Transaction failures due to incorrect information entered by the user.
• Downtime or unavailability of partner APIs.
• Delays or losses caused by banks or third-party providers.
• Indirect, incidental or consequential damages.

AEPS (Aadhaar Enabled Payment System) Terms & Conditions

• AEPS transactions are conducted through authorized banking partners under UIDAI guidelines.
• Users must ensure Aadhaar is linked to a valid bank account.
• Biometric authentication is mandatory.
• Successful AEPS transactions cannot be cancelled or reversed.
• Refunds apply only where amount is debited but not settled, subject to confirmation.
• Users are responsible for safeguarding Aadhaar information.

DMT (Domestic Money Transfer) Terms & Conditions

• Users must verify beneficiary details before transfer.
• Successful DMT transactions cannot be reversed.
• Refunds are applicable only for failed transactions.
• KYC requirements may apply as per RBI norms.
• PayBoom is not responsible for incorrect beneficiary details.

Fraud Monitoring & Risk Control

PayBoom reserves the right to monitor transactions in real time. Suspicious, abnormal or high-risk activity may be blocked, held, reversed or reported to regulatory authorities without prior notice.

Indemnity

Users agree to indemnify and hold PayBoom harmless from any claims, losses, damages, liabilities or legal expenses arising from misuse of services or violation of these terms.

Data Security & Privacy

All user information including Aadhaar and transaction data is handled securely in compliance with applicable laws. PayBoom does not store sensitive biometric information.

Service Availability

Services may be temporarily unavailable due to maintenance, upgrades, network issues or third-party failures. PayBoom shall not be liable for any resulting losses.

Contact Information

Email: support@payboombiz.com
Phone: +91-9764568103

Jurisdiction

All disputes shall be subject to the exclusive jurisdiction of Ahilyanagar, Maharashtra, India.

PayBoom shall not be held liable for any direct or indirect loss or damage arising directly or indirectly out of the decline of authorization for any transaction on account of the cardholder having exceeded preset limits agreed with acquiring banks from time to time.