Legal & Compliance Hub/Core Platform Agreement

User Agreement

Effective: 2026-10-24Last Updated: 2026-10-24Version 2.0 • Active Statutory Framework

Statutory Framework & Regulatory Purpose

Governing Law: India

Account registration covenant, MPIN security obligations, device binding, and mutual platform commitments.

Overview & Scope

This User Agreement constitutes an electronic contract between you and PaisaJi Technologies Private Limited governing your verified access rights, financial commitments, and operational duties while interacting with the PaisaJi fintech ecosystem.

2. Device Fingerprint & SIM Identity Covenant

1. SIM Authenticity: You affirm that the SIM card inside the mobile device running the PaisaJi mobile application is legitimately registered in your own name or authorized for your personal use.

2. Anti-Tampering: You agree never to execute the application inside rooted environments, debugged emulator runtimes, or unverified memory proxies designed to bypass transaction safeguards.

3. Session Auto-Termination: PaisaJi reserves the right to terminate active JWT access tokens if hardware telemetry detects that the SIM card has been swapped or if remote administration tools (RAT) are active during financial execution.

3. Financial Transaction Authorization

1. Irrevocable Instructions: Entering your secret MPIN or biometric confirmation constitutes an unconditional instruction to PaisaJi to debit the selected payment instrument or forward transaction orders to the partner bank.

2. Transaction Limits: To safeguard consumer balances against digital fraud, PaisaJi may enforce daily, weekly, and monthly velocity limits on recharges and bill clearance volumes as required by RBI risk management directives.

4. Suspension & Account Termination

PaisaJi may instantly freeze or close an account without prior notice if:

Mandated by law enforcement, Indian Cyber Crime Coordination Centre (I4C), or bank fraud prevention units.

Suspicious high-frequency chargebacks, unauthorized card testing, or stolen credentials are detected.

The user engages in harassment or abusive conduct toward customer support staff.

⚖️ Questions, Account Inquiries or Policy Clarifications?

Contact our operations desk for transaction disputes, or our Data Protection Officer for account erasure & privacy rights.

✉️ support@paisaji.com•🔒 privacy@paisaji.com (Account Deletion)

Nodal Escalation Desk