TERMS AND CONDITIONS
Last Updated: 01-04-2025
1. Introduction
Welcome to GRD PAYMENTS.
These Terms and Conditions ("Terms") govern your access to and use of the GRD PAYMENTS mobile application, website, and related digital services ("Services").
By registering, downloading, accessing, or using GRD PAYMENTS, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
If you do not agree with these Terms, please do not use GRD PAYMENTS.
2. Services
GRD PAYMENTS provides digital services that may include:
Certain Services and transactions are processed through telecom operators, DTH providers, billers, banks, payment gateways, API providers, aggregators, and other third-party service providers.
Therefore, transaction processing, service availability, final transaction status, and reversal/refund eligibility may depend on the respective third-party service provider.
GRD PAYMENTS reserves the right to add, modify, temporarily suspend, or discontinue any Service when required.
3. License to Use
Subject to compliance with these Terms, GRD PAYMENTS grants users a limited, non-exclusive, non-transferable, and revocable right to access and use the application and Services for their intended lawful purposes.
Users may not copy, modify, reverse engineer, reproduce, redistribute, resell, or misuse the application or its proprietary components except where expressly permitted by applicable law.
4. Account Registration & Security
To access GRD PAYMENTS Services, users may be required to create and maintain a registered account.
Users agree to:
Provide accurate, complete, and current registration information.
Maintain the confidentiality of their Username, Password, OTP, PIN, and other account credentials.
Not share account credentials with unauthorized persons.
Immediately report suspected unauthorized access.
Accept responsibility for activities performed through their account, subject to applicable law.
GRD PAYMENTS may request additional verification where required for account security, fraud prevention, regulatory compliance, or transaction verification.
5. User Obligations
Users must use GRD PAYMENTS only for lawful and legitimate purposes.
Users shall not:
Use the platform for fraudulent or illegal activities.
Attempt unauthorized access to GRD PAYMENTS systems or another user's account.
Interfere with, damage, manipulate, or disrupt the application.
Submit fake, altered, manipulated, or misleading transaction proof.
Make fraudulent refund or complaint claims.
Use the platform in violation of applicable laws or service-provider requirements.
Where there is reasonable evidence of misuse, fraud, or a security risk, GRD PAYMENTS may restrict or suspend the applicable account subject to applicable law.
6. Recharge & Bill Payment – User Responsibility
Before confirming any transaction, users are responsible for carefully verifying all details.
This includes:
Users must verify all details before selecting Recharge, Pay, Submit, or Confirm.
7. Wrong Mobile Number / DTH / Bill Details – NO REFUND
IMPORTANT
Users are solely responsible for providing correct recharge and bill-payment information.
If a user enters an incorrect:
and the transaction is successfully processed using the details entered by the user, GRD PAYMENTS cannot cancel, modify, transfer, or refund the transaction merely because incorrect information was entered by the user.
This includes:
Recharge completed to the wrong Mobile Number.
Recharge completed to the wrong DTH account.
Bill payment completed against the wrong Consumer Number.
Bill payment completed against an incorrect Account Number.
Wrong operator selected.
Wrong recharge plan selected.
Wrong recharge amount entered.
Any other successful transaction caused by incorrect information entered or confirmed by the user.
GRD PAYMENTS shall not be responsible for financial loss resulting from incorrect transaction details entered or confirmed by the user.
Once a transaction has been successfully processed against the information provided by the user, it generally cannot be transferred from one Mobile Number, DTH account, Consumer Number, or beneficiary to another.
8. Successful Transactions
A transaction confirmed as SUCCESSFUL by the respective operator, biller, aggregator, or service provider will generally be considered successfully completed.
If a user reports that the recharge/service benefit was not received despite a successful transaction status, GRD PAYMENTS may assist in checking or raising the issue with the relevant operator/service provider.
However, submitting a complaint does not automatically make a successful transaction eligible for a refund.
A refund or reversal will depend on verification and the final transaction status or reversal confirmation received from the applicable operator/service provider.
9. Recharge Complaints & Required Proof
If a user experiences a genuine recharge or transaction-related issue, the user must provide complete and valid information required for verification.
Depending on the issue, GRD PAYMENTS may require:
Transaction ID / Reference ID
Mobile Number / DTH ID / Consumer Number
Operator / Biller
Transaction Amount
Transaction Date and Time
Transaction Status
Relevant screenshots
Operator confirmation, where applicable
Other supporting evidence reasonably required for verification
A complaint without sufficient and valid proof may not be processed.
Incomplete, incorrect, unclear, or insufficient information may delay or prevent complaint verification.
10. Complaint Verification & Processing – Up to 7 Working Days
Once GRD PAYMENTS receives complete and valid transaction details and all required supporting proof, the complaint will be checked and processed.
Recharge-related complaints may require up to seven (7) working days for verification and processing.
The seven-working-day period begins only after all required and valid information and supporting proof have been received.
Verification may depend on transaction records and information or confirmation received from the relevant operator, biller, aggregator, API provider, or other service provider.
The seven (7) working days are for complaint verification and processing. This does not guarantee that every complaint will result in a refund.
11. Refunds & Reversals
A transaction may be considered for refund/reversal where:
The transaction fails after the applicable amount has been deducted.
A pending transaction is subsequently confirmed as failed or reversed.
The relevant operator/service provider officially confirms or processes a reversal.
An eligible technical failure results in a reversal from the applicable service provider.
Refunds will generally not be provided where:
The transaction is confirmed as successful.
The user entered the wrong Mobile Number.
The user entered the wrong DTH ID.
The user entered the wrong Consumer Number / Account Number.
The user selected the wrong operator or biller.
The user selected the wrong recharge amount or plan.
The service was successfully delivered.
The user changes their mind after a successful transaction.
Fake, edited, manipulated, or misleading proof is submitted.
The applicable operator/service provider does not approve or process a reversal for an otherwise successful transaction.
Where an eligible reversal is received, the applicable amount may be credited back to the user's GRD PAYMENTS wallet/account or processed through another applicable method depending on the transaction.
12. Recharge Transaction History – Two Calendar Months
GRD PAYMENTS maintains user-accessible recharge transaction history in the App/system for only the latest two (2) calendar months.
For example, if the current month is September, the recharge transaction history available in the system/app may generally be limited to August and September.
Users who require transaction records for a longer period are responsible for regularly saving, downloading, exporting, screenshotting, or otherwise maintaining their own transaction records.
GRD PAYMENTS does not guarantee that ordinary recharge transaction history older than two (2) calendar months will remain available or retrievable through the App.
Where certain records are required to be retained separately for legal, regulatory, accounting, taxation, audit, fraud-prevention, security, dispute-resolution, or compliance purposes, such records may be retained as required or permitted by applicable law.
Such retention does not mean that those records will remain available as ordinary user-accessible recharge history.
13. Third-Party Services & Operator Dependency
GRD PAYMENTS may depend on:
GRD PAYMENTS does not directly control third-party systems, servers, processing times, technical availability, transaction-status decisions, or reversal processes.
Temporary downtime, maintenance, operator delays, server issues, network failures, or other third-party technical problems may affect Services.
GRD PAYMENTS will make reasonable efforts to assist with genuine transaction-related issues but cannot independently reverse a transaction successfully processed by a third-party service provider where no reversal is available.
14. Commission, Margin & Offers
Any commission, margin, incentive, cashback, promotional benefit, or offer available through GRD PAYMENTS may depend on operator/service-provider policies and prevailing company terms.
Applicable commission rates, margins, incentives, and offers may be increased, decreased, revised, suspended, or discontinued when required.
The commission or benefit applicable to an eligible transaction will be determined according to the prevailing applicable terms at the time of the transaction.
15. Intellectual Property Rights
All GRD PAYMENTS branding, logos, application software, graphics, designs, text, content, and other proprietary materials are owned by or licensed to GRD PAYMENTS and are protected under applicable intellectual property laws.
Users may not copy, reproduce, modify, distribute, sell, or commercially exploit GRD PAYMENTS intellectual property without authorization.
16. Privacy
User information will be handled in accordance with the GRD PAYMENTS Privacy Policy and applicable legal requirements.
GRD PAYMENTS may process information reasonably necessary for:
Users should refer to the GRD PAYMENTS Privacy Policy for further information regarding the collection, use, processing, and retention of personal information.
17. Account Suspension or Termination
GRD PAYMENTS may restrict, suspend, or terminate an account where there is reasonable evidence of:
Fraudulent activity
Platform misuse
Unauthorized account activity
Fake or manipulated transaction proof
Fraudulent refund/complaint requests
Security threats
Violation of these Terms
Violation of applicable laws or regulatory requirements
Additional verification may be requested before restoring account access.
18. Limitation of Liability
To the maximum extent permitted by applicable law, GRD PAYMENTS shall not be responsible for indirect, incidental, special, consequential, or similar losses resulting from circumstances beyond its reasonable control.
This may include interruptions or delays caused by:
GRD PAYMENTS shall not be responsible for financial losses resulting from incorrect Mobile Numbers, DTH IDs, Consumer Numbers, Account Numbers, operators, plans, amounts, bill details, or other transaction information entered or confirmed by the user.
Nothing in these Terms excludes or limits any liability that cannot legally be excluded or limited under applicable law.
19. Disclaimer of Warranties
GRD PAYMENTS Services are provided on an "as available" basis, subject to applicable law.
While reasonable efforts are made to maintain reliable Services, GRD PAYMENTS cannot guarantee uninterrupted availability of every Service because certain Services depend on external operators and third-party systems.
GRD PAYMENTS does not guarantee that:
Every Service will always be available without interruption.
Third-party operators or billers will always process transactions instantly.
Third-party systems will always be free from technical issues.
Every transaction complaint will result in a refund.
20. Governing Law & Jurisdiction
These Terms and Conditions shall be governed by and interpreted in accordance with the applicable laws of India.
Subject to applicable law, disputes relating to GRD PAYMENTS and these Terms shall be subject to the jurisdiction of the competent courts in Tamil Nadu, India.
21. Changes to These Terms
GRD PAYMENTS reserves the right to update or modify these Terms and Conditions when required due to changes in:
The latest version may be published through the GRD PAYMENTS website or application with an updated "Last Updated" date.
Continued use of GRD PAYMENTS following an update constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
22. Contact Us
For questions, transaction complaints, or other support:
GRD PAYMENTS
Tamil Nadu, India
Email: cc.grdpayments@gmail.com
Support Number: 91 98439 98122
Important Notice
For recharge or bill-payment complaints, users must provide complete transaction details and valid supporting proof.
After receiving complete and valid proof, complaint verification and processing may require up to seven (7) working days.
Wrong Mobile Number / Wrong DTH ID / Wrong Consumer Number / Wrong Account Number / Wrong Bill Details resulting in a successful transaction are not eligible for a refund from GRD PAYMENTS merely because incorrect information was entered by the user.
User-accessible recharge transaction history in the GRD PAYMENTS App/system is maintained for only the latest two (2) calendar months. Users are advised to maintain their own records if transaction information is required for a longer period.