Refund Policy

1. Amount once paid through the payment gateway shall not be refunded other than in the following circumstances:
   • Multiple times debiting of Customer’s Card/Bank Account due to technical error OR Customer's account being debited with excess amount in a single transaction due to technical error. In such cases, excess amount excluding Payment Gateway charges would be refunded to the Customer.
   • Due to technical error, payment being charged on the Customer’s Card/Bank Account but the enrolment for the examination is unsuccessful. Customer would be provided with the enrolment by NISM at no extra cost. However, if in such cases, Customer wishes to seek refund of the amount, he/she would be refunded net the amount, after deduction of Payment Gateway charges or any other charges.
2. The Customer will have to make an application for refund along with the transaction number and original payment receipt if any generated at the time of making payments.
3. The application in the prescribed format should be sent to Pulse Payment Technologies Private Limited. { “PAY IN TIME” }
4. The application will be processed manually and after verification, if the claim is found valid, the amount received in excess will be refunded by NISM through electronic mode in favor of the applicant and confirmation sent to the mailing address given in the online registration form, within a period of 21 calendar days on receipt of such claim. It will take 3-21 days for the money to show in your bank account depending on your bank’s policy.
5. Company assumes no responsibility and shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to any one or more of the following circumstances:
   • If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, and invalid and delayed.
   • If the Payment Account has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s).
   • If the funds available in the Payment Account are under any encumbrance or charge.
   • If your Bank or the NCC refuses or delays honoring the Payment Instruction(s).
   • Circumstances beyond the control of Company (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).
   • In case the payment is not effected for any reason, you will be intimated about the failed payment by an e-mail.
6. User agrees that Company, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate his/her account (or any part thereof) or use of the Services and remove and discard all or any part of his/her account, user profile, or his/her recipient profile, at any time. Company may also in its sole discretion and at any time discontinue providing access to the Services, or any part thereof, with or without notice. User agrees that any termination of his/her access to the Services or any account he/she may have or portion thereof may be effected without prior notice, and also agrees that Company will not be liable to user or any third party for any such termination. Any suspected, fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Company may have at law or in equity. Upon termination for any reason, user agrees to immediately stop using the Services.
7. Company may elect to resolve any dispute, controversy or claim arising out of or relating to this Agreement or Service provided in connection with this Agreement by binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996. Any such dispute, controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party.

Privacy Policy

Pulse Payment Technologies Private Limited (“Pay In Time”), having its registered address at Flat No. 202, Plot No. 119, Road No. 15B, Gopal Nagar Society, Hyderanagar, Hyderabad, Telangana – 500085 (hereinafter referred to as “Pay In Time”).

Pay In Time values your trust and respects your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored, and used by us.

You are advised to read this Privacy Policy carefully. By visiting Pay In Time’s website (www.payintime.in) and/or using our applications, you expressly consent to the use and disclosure of your personal information in accordance with this Privacy Policy.

If you do not agree to the terms of this policy, please do not use or access the Pay In Time website or mobile applications.

Note: Our Privacy Policy may change at any time without prior notification. Please review this policy periodically. This Privacy Policy applies uniformly to the Pay In Time desktop website and mobile applications.

General

Pay In Time will not sell, share, or rent your personal information to any third party and will not use your email address or mobile number for unsolicited emails and/or SMS.

Any emails and/or SMS sent by Pay In Time will only be in connection with the provision of agreed services and products or this Privacy Policy.

Periodically, Pay In Time may disclose general statistical information such as the number of visitors, services used, or transactions processed. Pay In Time reserves the right to disclose personal information in response to legal requirements.

Personal Information

Personal Information includes any information that can be linked to a specific individual or used to identify an individual, such as name, address, telephone number, email ID, credit or debit card details, cardholder name, card expiration date, mobile phone details, DTH service information, data card information, electricity connection details, or any other information voluntarily provided by the user.

When you browse Pay In Time, we may collect information such as domain details, host information, Internet Protocol (IP) address, Internet Service Provider (ISP) details, and anonymous website usage statistics.

Use of Personal Information

Pay In Time uses personal information to:

• Provide services and products explicitly requested by you
• Resolve disputes and troubleshoot issues
• Promote safe and secure services
• Collect payments
• Measure customer interest in our services
• Inform users about offers, products, services, and updates
• Customize user experience
• Detect and prevent fraud or other criminal activity
• Enforce our terms and conditions

We may also use your contact information to send offers based on your previous usage and interests.

Do We Use Cookies?

Yes. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your web browser (if you allow). Cookies help recognize your browser and remember certain information.

We use cookies to:

• Remember and process transactions through the Pay In Time account
• Understand and save user preferences for future visits
• Compile aggregate data about site traffic and interactions

You can choose to disable cookies through your browser settings. Disabling cookies may affect certain features and services on the website.

Links to Other Websites

Occasionally, we may include or offer third-party products or services on our website. These third-party sites have independent privacy policies, and Pay In Time is not responsible for their content or activities.

Security

Pay In Time follows strict security practices to protect your information against loss, misuse, and unauthorized access. Secure servers are used whenever you access or update your account information.

Consent

By using Pay In Time and/or providing your information, you consent to the collection, use, and sharing of your information in accordance with this Privacy Policy.

Terms & Conditions

Introduction

Payintime.in is a brand name under Pulse Payment Technologies Pvt. Ltd. Pulse Payment Technologies Private Limited's Corporate Identification Number (CIN) is U74999TG2022PTC159723 and its registration number is 159723. Its email address is pulsepaymenttechnologies@gmail.com and its registered address is Flat No. 202, Plot No. 119, Road No. 15B, Gopal Nagar Society, Hyderanagar, Hyderabad, Telangana 500085.

The services provided by Pulse Payment Technologies Pvt. Ltd. are offered under the brand name "Payintime".

Access to and use of this website is subject to the following Terms and Conditions of Use ("Terms"). Please read these Terms very carefully as they shall apply to all users of this website. A user may opt for services through this website only if he accepts and abides by all of the Terms.

Pulse Payment Technologies Private Limited may periodically change these Terms without notice.

Definitions

For the purpose of these Terms, the following words and phrases shall have the meanings assigned to them below.

Services means the services provided by Pulse Payment Technologies Private Limited and its Service Providers to Users, whereby a User can make payments to suppliers, beneficiaries, or other payees through IMPS, NEFT, RTGS, UPI, or other payment methods accepted by Pulse Payment Technologies Private Limited from time to time.

User shall mean any person who is onboarded on the Pulse Payment Technologies Private Limited platform for using this website and/or who transacts or avails of the Services through this website to make payments to third parties. The term "User" shall also include personnel of any User who are authorized to avail of the Services on behalf of the User.

Payee means any person to whom a payment is made using the Services. This term also includes a User who uses the Services to receive payments.

Payer means any person who makes a payment using the Services. This term also includes a User who uses the Services to make payments.

Products mean any services or products which are purchased or offered for sale by a User to third parties from time to time using these Services. Products shall not include banned products and services listed in Annexure A.

Service Provider means a bank, association, facility provider, card issuing institution, acquiring bank, financial institution, card processor, clearing house, network, or any other provider whose facilities or services are utilized in the provision of these Services.

Transaction means a payment instruction that results in the successful transfer of monies:

• From a User to a Payee; or
• From a Payer to a User.

Transaction Amount means the total amount payable or receivable by a User or Payee. This amount shall include all applicable taxes, charges, interest, delivery costs, commissions, and other applicable fees.

Eligibility

The website and Services are intended solely for persons who can form legally binding contracts under Indian law and who are 18 years of age or older. Any access to or use of the website or Services by anyone under 18 years of age is expressly prohibited.

By using the website or Services, the User represents and warrants that he is 18 years of age or older and is competent to contract. The User also agrees that his Payer or Payee is similarly competent to contract.

A User represents and warrants that he has full power and authority to use the Services and is in strict compliance with all applicable laws.

These Terms and Conditions, as accepted by the User, shall be read along with and in addition to any Terms and Conditions issued by Service Providers from time to time. They shall also be read in conjunction with the Privacy Policy.

A User may use the Services and this website only if he accepts and abides by all of the following Terms and Conditions.

Registration

In order to avail the Services, the User must be registered with Pulse Payment Technologies Private Limited and the relevant Service Providers. The User shall provide Pulse Payment Technologies Private Limited with all documents and information as may be required.

By registering with Pulse Payment Technologies Private Limited, the User agrees to provide true, accurate, current, and complete information. Failing this, Pulse Payment Technologies Private Limited may at any time reject the User's registration and terminate his right to use or access the website and/or Services.

When a User registers with Pulse Payment Technologies Private Limited, a User Account will be created and associated with the User's username, password, and other identifying information. The User shall be solely responsible for anything that happens through his User Account.

Use of Services

The Services may be used by the User for making payments to third parties.

To enable the User to use the Services, login credentials may be communicated to the User through his registered mobile phone number or email address. The User irrevocably and unconditionally accepts sole responsibility for the use, confidentiality, and protection of such login credentials, including passwords, as well as all orders and information changes entered into the mobile phone or email account using such credentials.

Pulse Payment Technologies Private Limited has no obligation to verify the authenticity of a Transaction other than through verification of the User's basic KYC information.

The User shall at all times take all appropriate steps, including those mentioned herein, to maintain the security and confidentiality of information.

Pulse Payment Technologies Private Limited shall not be liable for any mistake or misuse of the Services by either the User, any person authorized by the User, or any person gaining access to the Services through the User.

The User agrees that Pulse Payment Technologies Private Limited accepts all instructions originating from his Account in good faith and in a manner consistent with commercially reasonable security standards.

The User shall indemnify and hold Pulse Payment Technologies Private Limited harmless for any direct or indirect losses sustained as a result of disclosure of sensitive information by or through the User.

Upon receiving the necessary details from the Service Provider, Pulse Payment Technologies Private Limited shall initiate the required payment to the Payee/User as instructed by the User/Payer.

Confirmation of a Transaction performed using valid login credentials shall be conclusive evidence of the Transaction being effected.

The User is responsible for furnishing Pulse Payment Technologies Private Limited with correct and current Payee information.

In the event that a payment relates to the purchase of Products by the User/Payee, Pulse Payment Technologies Private Limited shall not be required to ensure that such Products have been duly delivered.

If a User wishes to complain about a Transaction, such complaint should be communicated to Pulse Payment Technologies Private Limited within 10 (Ten) days of the Transaction.

User Obligations

Each User shall be responsible to:

• Furnish correct and accurate information of the Payee as may be required, on an independent basis.
• Not carry out any activity which is banned, illegal, or immoral.
• Use the Services only in accordance with applicable laws and regulations and not in furtherance of any activity that may cause Pulse Payment Technologies Private Limited to be subject to investigation, prosecution, or legal action.
• Ensure that payments shall not be made in respect of any Products mentioned in the Banned Items List set out in Annexure A.
• Act in compliance with all applicable laws, rules, and regulations and comply with guidelines prescribed by Service Providers.
• Not sell, provide, exchange, or otherwise disclose to third parties or use themselves, except for completing a Transaction or as required by law, any personal information about any third party, including account details and mobile numbers, without obtaining prior written consent of such third party.
• Take all precautions as may be feasible or directed by Pulse Payment Technologies Private Limited to ensure that there is no breach of security and that the integrity of the connection between their systems/site, the website, and the payment mechanism is maintained at all times.
• In the event of any loss caused as a result of a security breach or improper connection, bear such loss and indemnify and keep indemnified Pulse Payment Technologies Private Limited and Service Providers against any resulting loss.
• Bear and be responsible for payment of all relevant taxes, including any applicable withholding taxes.
• Not require any other User to provide details of accounts held by such User with any bank, including passwords, account numbers, card numbers, mobile phone numbers, or PINs assigned by banks.
• Use information regarding a Payee/Payer, including name, address, email address, telephone number, and other data, solely for completing the Transaction for which it was furnished and not sell or furnish such information to others unless independently sourced or expressly consented to by the Payee/Payer.
• Inform Pulse Payment Technologies Private Limited in writing of any change in email address, mobile number, address, ownership, legal status, or cessation of business at least 30 working days in advance.
• Not interfere with or damage the website, including through viruses, cancel bots, Trojan horses, harmful code, flood pings, denial-of-service attacks, backdoors, packet or IP spoofing, forged routing or electronic mail address information, or similar methods or technologies.

Pulse Payment Technologies Private Limited has the right to investigate and prosecute violations of any of the above obligations to the fullest extent permitted by law.

Fees

In consideration of the Services rendered by Pulse Payment Technologies Private Limited to the User, the User shall pay a fee agreed upon in the Fee Schedule defined in the Merchant Agreement, on the Pulse Payment Technologies Private Limited website, or communicated by email to the registered email address.

Pulse Payment Technologies Private Limited shall deduct its transaction fees plus applicable taxes per successful Transaction and make payment of the Transaction Amount to the User/Payee's designated bank account.

All other taxes, duties, or charges shall be borne and paid by the User unless otherwise agreed between the parties.

Pulse Payment Technologies Private Limited reserves the right to alter, modify, or change discount or commission rates at its discretion.

Pulse Payment Technologies Private Limited reserves the right to revise Transaction Fees in the event of revisions in rates or charges by acquiring banks, card associations, or guidelines issued by the Reserve Bank of India (RBI) from time to time.

It is hereby agreed and acknowledged that Transaction Fees charged by Pulse Payment Technologies Private Limited in respect of a confirmed Transaction shall not be returned or repaid to the User or any other person, irrespective of whether the Transaction is rejected, charged back, refunded, or disputed.

Specific Terms

Pulse Payment Technologies Private Limited is a payment processor for its clients and does not have control over the activities or actions of the businesses for which it processes payments.

Pulse Payment Technologies Private Limited shall not be responsible for any disputes between Users and Payers/Payees, including issues regarding prices, delivery, non-delivery, delay in delivery, quality of Products, or otherwise. All such disputes shall be dealt with directly between the User and the Payer/Payee, and Pulse Payment Technologies Private Limited shall not be a party to such disputes.

Pulse Payment Technologies Private Limited cannot and does not guarantee the timing of payments made or received, as such timing depends upon the User's bank, acquiring financial institution, and other Service Providers.

Pulse Payment Technologies Private Limited assumes no liability and shall not be held responsible for delays in the delivery of payments.

Pulse Payment Technologies Private Limited shall not be a party to any agreement between the User and any Payee. All contracts are directly between Users and their Payees.

The User shall be responsible for any miscommunication or incorrect User, third-party, or other information provided to Pulse Payment Technologies Private Limited at the time of enabling the Services.

Any request from a bank or legal authority to block an account or mark a lien on any amount of the client shall be passed on to the client. The lien on the said amount or unblocking of the account shall only happen once cleared by the bank or concerned authorities.

Pulse Payment Technologies Private Limited and Service Providers reserve the right to impose limits on the number of Transactions which may be charged on an account during any period and may refuse payments in respect of Transactions exceeding such limits.

Pulse Payment Technologies Private Limited and Service Providers also reserve the right to refuse payments in respect of Transactions by Users with a prior history of questionable charges.

Security

Subject to the provisions stated herein and as specified by Pulse Payment Technologies Private Limited from time to time, the User shall not hold Pulse Payment Technologies Private Limited liable in case of any improper, fraudulent, unauthorized, duplicate, or erroneous use of his mobile and/or web-based access.

Pulse Payment Technologies Private Limited shall also not be liable for any consequences connected with the use or misuse of the User's mobile or email account by any third party.

If any third party gains access to the Services, the User shall be responsible and shall indemnify Pulse Payment Technologies Private Limited against any liability, costs, or damages arising from such misuse or access.

The User shall be fully liable for:

• Any unauthorized use of his mobile or email account; and
• All authorized Transactions conducted through his mobile or email account.

Without prejudice to the remedies available to Pulse Payment Technologies Private Limited under these Terms, Pulse Payment Technologies Private Limited shall not be liable to the User for any loss or damage arising directly or indirectly out of:

• Any defect in Products or Services supplied to the User.
• Any inability of a third party to supply or deliver required Products in the necessary numbers or types.
• The refusal of any person, including a Service Provider, to honour or accept a payment.
• Malfunction of any computer terminal or equipment.
• Utilization of the Services by any person other than the User.
• Any misstatement, error, or omission in details disclosed to Pulse Payment Technologies Private Limited.

Termination

If either Pulse Payment Technologies Private Limited or a Service Provider reasonably suspects that a User has committed a breach of these Terms or any other agreement with Pulse Payment Technologies Private Limited, or has committed any act of dishonesty or fraud against Pulse Payment Technologies Private Limited or any Service Provider, Pulse Payment Technologies Private Limited shall be entitled to:

• Suspend all payments under these Terms.
• Deactivate or suspend the User Account and disable the password.
• Terminate the User's access to the website or Services pending enquiry.

The User may cancel his User Account at any time by sending an email to Pulse Payment Technologies Private Limited.

Please note that once an Account is cancelled, Pulse Payment Technologies Private Limited shall have no obligation to return any data or information that may reside on its servers or other equipment.

Indemnity

The User shall keep Pulse Payment Technologies Private Limited indemnified from and against all liabilities, judgments, damages, losses, claims, costs, expenses, and other losses arising from or relating to any claim, suit, or proceeding brought against Pulse Payment Technologies Private Limited by another User, Service Provider, or third party.

Such claims may arise due to, including but not limited to:

• Delivery, non-delivery, delay, deficiency, or mistake in respect of Products sold.
• Breach, non-performance, non-compliance, or inadequate performance by the User of any Terms, Conditions, representations, obligations, or warranties.
• Any acts, errors, misrepresentations, wilful misconduct, or negligence of the User, employees, subcontractors, or agents.

The User shall comply with all Terms and Conditions prescribed by Pulse Payment Technologies Private Limited or any Service Provider from time to time regarding the Services.

All Transactions effected by or through this website shall constitute legally binding and valid Transactions when performed in adherence to and compliance with the Terms and Conditions prescribed by Pulse Payment Technologies Private Limited, Seller, or Service Provider.

Confidentiality

The User agrees not to disclose, attempt to use, or personally benefit from any non-public information that he may learn on the website or through the Services.

This obligation shall continue until such time as the non-public information becomes publicly known through no action of the User.

If the User is compelled by an order of a court or governmental or legal body, or receives notice that such an order is being sought, to disclose any non-public information, the User agrees to promptly notify Pulse Payment Technologies Private Limited and cooperate fully in protecting such information to the extent possible under applicable law.

Pulse Payment Technologies Private Limited may access, preserve, and disclose any User information if required to do so by law, or if it believes in good faith that such action is reasonably necessary to:

• Respond to claims asserted against Pulse Payment Technologies Private Limited or comply with legal process.
• Prevent fraud, conduct risk assessments, investigations, customer support, product development, and debugging.
• Protect the rights, property, or safety of Pulse Payment Technologies Private Limited, its Users, or members of the public.

Intellectual Property Rights

The website content, trademarks, service marks, and logos contained therein ("Marks") are owned by or licensed to Pulse Payment Technologies Private Limited and are protected by copyright and other intellectual property rights under applicable laws and international conventions.

Such website content may not be copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, uploaded, or otherwise exploited without the prior written consent of Pulse Payment Technologies Private Limited.

Contact Information

Questions about these Terms of Service should be sent to us at:

Email: info@payintime.in