Subject to these Terms and conditions, Msewa grants you a limited, revocable, non-exclusive, non-transferable license to download the Msewa mobile application to access and use product and services offered by the merchants though the application. Ownership and intellectual property rights in the Msewa mobile application software and related marks will remain with Msewa. You acknowledge such rights and will not take any action to jeopardize, limit or interfere with Msewa and/or its licensors’ rights to the Msewa mobile application software. You agree not to::
Eligibility for using our service
Registration and Usage of Services offered in the mobile application
The application facilitates the processing of payment transactions to complete the purchase of a product or for availing services by you. Msewa will, through the mobile application store relevant information such as your account number, amount to be debited from this account, and will process the payment for the transaction on your behalf to the Merchant. Msewa may delay payment processing of suspicious transactions or transactions which are unclear or may involve fraud, misconduct, or violate applicable law, as determined in Msewa’s sole and absolute discretion. You authorize the process charge or debit to your account as necessary to complete processing of a payment transaction. You also authorize the reversal of accounting entries/credit of your account in connection with reversals, refunds, or adjustments through mobile application. Transactions, which you initiate, will be completed only if the amount of funds processed successful from your account through the payment options available and is sufficient to meet the transaction amount in full including any applicable convenience charges, fees etc. The amount of each completed transaction will be debited to your account without notice. Msewa reserves the right to limit the maximum/minimum amount which may be transacted each day on the mobile application and any such limits will also be subject to availability and applicable guidelines under the PSS Act 2007. You acknowledge and agree that the services availed or purchase of products by you from Merchants through the mobile application or otherwise are between you and the Merchant, and not between you and Msewa. Msewa is not a party to your purchase of products or the payment transaction which is strictly between you and the merchant, and Msewa cannot under any circumstances be construed as merchants as defined in the Terms and conditions. You accept full responsibility for all transactions processed by the use of Msewa mobile application on your mobile device. Any instructions given by you through the Msewa mobile application shall be irrevocable. You shall, in all circumstances, accept full responsibility for use of the Msewa mobile application whether or not processed with your knowledge or your authority, express or implied. In case of wrongful instructions received or keyed in on the mobile device, Msewa will not be responsible for any claim or loss or damage caused to you or any other person whatsoever, and you will indemnify Msewa against the same. In default of such indemnification, you shall allow the company to debit such loss to your mobile application. All transaction records for use of the Msewa mobile application by you shall be conclusive unless verified otherwise by the company. The verified amount shall always be binding on you.
Consent for Usage of Msewa Mobile Application
We may establish general practices and limits concerning use of the Msewa mobile application, including without limitation individual or aggregate transaction limits on the rupee amount or number of payment transactions during any specified time period(s). We reserve the right to change, suspend or discontinue any aspect of the Msewa mobile application at any time, including hours of operation or availability of the Msewa mobile application or any Msewa mobile application feature, without notice and without liability. We also reserve the right to impose limits on certain Msewa mobile application features or restrict access to parts or all of the Msewa mobile application without notice and without liability. We may decline to process any payment transaction without prior notice to you or merchant.
We do not warrant that the functions contained in the Msewa mobile application will be uninterrupted or error free and we shall not be responsible for any service interruptions (including, but not limited to, power outages, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of payment transactions through the Msewa mobile application).
We may limit or suspend your use of the Msewa mobile application at any time, in our sole and absolute discretion. If we suspend your use of the Msewa mobile application, we will attempt to notify you by electronic mail. Suspension of your use of the Msewa mobile application will not affect your rights and obligations pursuant to these Terms and conditions arising before or after such suspension.
Username and Password information
You are responsible for:
- maintaining the confidentiality of your username, password and PIN
- any and all transactions by persons that you give access to or that otherwise use such username or password or PIN, and
- any and all consequences of use or misuse of your username and password. You agree to notify us immediately of any unauthorized use of your username or password or any other breach of security regarding the Msewa mobile application of which you have knowledge, including loss of your mobile device.
You agree to:
- Use and safeguard the security features of the application,
- to be responsible for all uses of the Msewa Mobile application on your mobile device (whether by you or someone else, either with or without your knowledge), and
- In case you have any dispute in respect to the charges or transactions indicated in the statement you shall intimate to Msewa within 10 days failing which it will be to construed that all charges are acceptable. Msewa may at its sole discretion accept any disputes on charges older than 10 days. The consumer may redress any grievances including disputes as per the grievance redressal policy put up by the company in its website
Msewa may terminate your use of the Msewa Mobile application at any time and without notice. In the event you decide to terminate the use of the Msewa Mobile application, you shall give not less than 7 days’ notice in writing to Msewa to de-activate the Msewa Mobile application. We will in turn issue a confirmation in writing that the said customer Msewa Mobile application have been deactivated and terminated. Such termination shall also be deemed a termination of all related facilities provided by us to a consumer. This Agreement will be governed by the laws of India and the courts in Bangalore, State of Karnataka will have jurisdiction over any dispute in connection with these Terms and conditions.
Msewa reserves the right at any time, to charge you, for the issue or reissue of a Msewa Mobile application and/or any fees/charges for the transactions carried out by you on the mobile application. Any government charges, duty or debits, or tax payable as a result of the use of the Msewa Mobile application shall be your responsibility. Msewa Mobile application may levy service fees towards reloading of money/or processing through Msewa Mobile application. You authorize Msewa to recover all charges related to the Msewa Mobile application account by debiting the balance available or adding additional amount equivalent during processing of the payment transaction in your Msewa mobile application account.
Limitations of Liability
Msewa expressly disclaims all warranties, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Msewa makes no warranty that the software or the services will be uninterrupted, timely, secure, or error free. Msewa is not liable for any direct, indirect, incidental, exemplary, consequential, special or punitive damages or losses relating to or arising from the use of Msewa Mobile application, or this Terms and conditions.
Without prejudice to the foregoing, Msewa will not be under any liability in respect of any loss or damage arising directly or indirectly, to you due to –
- Any defect in goods purchased by you through your Msewa Mobile application;
- The refusal of any merchant/service providers to honour the purchase of any goods/services through your Msewa Mobile application;
- Our exercise of the right to terminate any Msewa Mobile application;
- Any mis-statement, mis-representation, error or omission in any details disclosed by Msewa to anyone or in the statement of accounts.
You will indemnify and hold harmless Msewa and its affiliates from and against any and all claims, costs, losses, damages, judgments, and other expenses arising out (i) Your breach of these terms and condition and use, or (ii) Your illegal, fraudulent, or improper use of the Msewa Mobile application. While advance notice of any substantial maintenance work likely to affect the availability of services shall be given wherever and whenever possible, Msewa reserves the right to suspend, without any notice, access to the Msewa Mobile application and services at any time, whether for routine maintenance or other purpose.
You hereby acknowledge that you have read this agreement, understand it and agree to be bound by its terms and conditions.