By accessing or using AEPS and other financial services provided by sahajdeeppay, you agree to comply with the following Terms & Conditions.

Eligibility

• User must be 18 years of age or above
• Valid KYC documents are mandatory

Scope of Services

• AEPS Cash Withdrawal
• Balance Inquiry
• Mini Statement
• Aadhaar Pay
• Domestic Money Transfer (DMT)
• Mobile Recharge, Bill Payments & Micro ATM Services

User Responsibilities

• Provide accurate and valid information
• Maintain confidentiality of login credentials
• Report unauthorized transactions immediately
• Not misuse AEPS or any financial service

Limitation of Liability

• Bank server downtime or failures
• NPCI or UIDAI technical issues
• Cash unavailability at service points
• User negligence or incorrect data provided
• Biometric mismatch or authentication failure

AEPS Transaction Guidelines

• AEPS transactions depend on NPCI and bank systems
• Biometric mismatch may result in transaction failure
• Successful AEPS transactions are irreversible
• Failed or pending transactions are resolved as per bank/NPCI rules

Suspension / Termination

We reserve the right to suspend or terminate services if:

• User violates terms or policies
• Fraudulent or suspicious activity is detected

AEPS Transactions

AEPS transactions are non-refundable once successfully completed.

If the amount is deducted but the transaction fails due to bank or technical issues:

• Refund is processed automatically by the bank
• Refund timeline: 7–10 working days
• Manual refunds are not possible

Wallet Recharge Refund

• Refund allowed only if recharge was added by mistake
• User must submit valid proof
• Service must not have been used

Refund processing time: 3–5 business days after verification.

Service Charges

Processing fees, convenience fees, or service charges are non-refundable under any circumstances.