1. Introduction & Agreement to Terms

Welcome to PayBills. By accessing or using our unified fintech and retail services (including web portals, mobile interfaces, BBPS utility bill payments, and barcode POS modules), you agree to be bound by these Terms & Conditions.

2. Permitted Use & Account Integrity

Users must maintain accurate, up-to-date credentials. You are responsible for all activities occurring under your authenticated session, including voice biometric verifications and PIN confirmations.

• One Account Per User: Fraudulent or duplicate account creations will be restricted immediately.
• Security of Biometrics: Voice authentication tokens are tied to individual device environments and must not be shared.
• Commercial Restrictions: Merchant accounts are subject to active business compliance verification.

3. BBPS Bill Settlement & Reversals

PayBills routes bill settlement operations via authorized Bharat Bill Payment System (BBPS) operating units. Once a transaction reaches Settled status, standard utility turnaround guidelines apply.

4. Reward Coin Issuance & Redemption

Platform reward coins hold a strict 1:1 Rupee offset ratio redeemable solely against verified marketplace and invoice orders. Coins cannot be withdrawn directly into external non-KYC accounts.

5. Limitation of Liability

PayBills provides the platform on an "as is" and "as available" basis without warranties of uninterrupted uptime during third-party banking gateway maintenance periods.