1. Definitions

• “Payocardz” refers to the website, platform, and services operated by Payocardz, enabling users to purchase prepaid cards, vouchers, and other related services.
• “User”, “You”, or “Your” refers to any individual or business accessing and using the Payocardz website or services.
• “Prepaid Cards” and “Vouchers” refer to the digital or physical gift cards or vouchers available for purchase through Payocardz.

2. Eligibility

To use the Payocardz platform, you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate, complete, and current information during registration or while making purchases.

By using Payocardz, you represent that you meet these eligibility requirements.

3. Account Registration

To purchase prepaid cards, vouchers, or other services, you may be required to create an account with Payocardz. When registering:

• You agree to provide true, accurate, and complete information.
• You are responsible for maintaining the confidentiality of your account login details and any activities under your account.
• If you suspect any unauthorized access to your account, you must notify us immediately.

Payocardz reserves the right to terminate or suspend your account at any time for breach of these Terms and Conditions.

4. Purchasing Prepaid Cards and Vouchers

By purchasing prepaid cards or vouchers through Payocardz, you agree to the following:

• Pricing: All prices for prepaid cards and vouchers are displayed in INR (₹) and are inclusive of any applicable taxes unless otherwise specified.
• Payment: Payments can be made using credit cards, debit cards, UPI, net banking, or any other method specified on our platform. Payment must be completed before the purchase is confirmed.
• Delivery: Prepaid cards or vouchers may be delivered digitally via email or physically, depending on the product and user selection. Delivery timelines will vary based on the delivery method chosen.
• Validity and Expiry: Each prepaid card or voucher will have specific terms, including expiry dates and usage limits. Users are responsible for checking the validity and expiry of the vouchers/cards and ensuring they are redeemed within the applicable period.

5. Refunds and Cancellations

• Refund Policy: Payocardz generally does not offer refunds once a prepaid card or voucher has been purchased. All sales are final. However, refunds may be granted in special circumstances, such as technical errors, at the sole discretion of Payocardz.
• Cancellation: You may not cancel an order after it has been processed. Once a prepaid card or voucher is issued, it is non-refundable and non-transferable.

6. Use of Prepaid Cards and Vouchers

• Prepaid cards and vouchers purchased through Payocardz are subject to the terms and conditions of the specific brands or issuers. Each card or voucher has its own redemption guidelines, which users must follow.
• Prepaid cards and vouchers are for personal or business use only and may not be resold or used for unauthorized commercial purposes.
• Misuse or fraudulent use of prepaid cards or vouchers may result in termination of your Payocardz account and potential legal action.

7. License and Access

Payocardz grants you a limited, non-exclusive, non-transferable license to access and use our platform for the purchase of prepaid cards and vouchers, in accordance with these Terms and Conditions.

• You may not use Payocardz for illegal or unauthorized purposes.
• You may not copy, reproduce, distribute, or create derivative works from any part of the Payocardz website or services without our prior written consent.

8. Intellectual Property

All content available on Payocardz, including but not limited to text, images, logos, graphics, and software, is the intellectual property of Payocardz or its content providers. You may not use, reproduce, or distribute any content without written permission from Payocardz.

Trademarks and logos of partner brands displayed on Payocardz are the intellectual property of their respective owners, and their use is subject to the terms of those brands.

9. Privacy

Your use of Payocardz is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using Payocardz, you consent to the collection and use of your information as described in our Privacy Policy.

10. Limitation of Liability

To the maximum extent permitted by law, Payocardz and its affiliates, partners, officers, directors, employees, or agents will not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Your use of, or inability to use, the Payocardz platform or services.
• Unauthorized access to or alteration of your data or account.
• Any errors, omissions, or inaccuracies in the content or services provided by Payocardz.
• The purchase or use of prepaid cards or vouchers through our platform.

Payocardz is not liable for any issues related to the redemption, validity, or expiry of prepaid cards or vouchers. Each brand or card issuer is solely responsible for the terms of use of their respective products.

11. Indemnification

You agree to indemnify and hold Payocardz, its affiliates, partners, and employees harmless from any claims, damages, losses, liabilities, or expenses arising from your use of the platform, violation of these Terms and Conditions, or violation of any third-party rights.

12. Third-Party Links

Payocardz may contain links to third-party websites or services. These links are provided for your convenience, but Payocardz has no control over the content, privacy policies, or practices of third-party sites. You acknowledge that Payocardz is not responsible for any damages or losses incurred from your use of third-party websites.

13. Changes to Terms and Conditions

Payocardz reserves the right to modify or update these Terms and Conditions at any time. Any changes will be posted on this page with an updated revision date. Your continued use of Payocardz after changes are made will constitute your acceptance of the new terms.

14. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any disputes arising under or related to these terms will be subject to the exclusive jurisdiction of the courts located in [City, State], India.

15. Termination

Payocardz reserves the right to terminate or suspend your account and access to the platform, at its sole discretion, for violation of these Terms and Conditions or for any reason deemed necessary. Upon termination, any prepaid cards or vouchers in your account may be forfeited.

16. Contact Information

If you have any questions, concerns, or issues regarding these Terms and Conditions, please contact us at:

Email: support@payocardz.com
Phone: +91 9971292708, +91 8178047445
Address: Payomatix, 2nd floor ,Swarn Plaza, Swarn Nagri, Greater Noida, Uttar Pradesh, 201310

Effective Date: 23rd October 2024

These Terms and Conditions apply to all users of Payocardz and are effective as of the date listed above. Thank you for using Payocardz!