Terms & Conditions

02Use of Payment and Related Services

When using any payment, bill payment, recharge or payout service made available through our platform, you must provide accurate and complete information and ensure that you are authorised to initiate the transaction.

You are responsible for checking the transaction details, including the biller or beneficiary, account number, IFSC code, amount and other required information before submitting a transaction. Incorrect details may cause delays, failed transactions or payments to an unintended recipient. Contact us promptly if you identify an error or suspect unauthorised activity.

Transaction processing times may depend on banks, payment gateways, billers, network availability, settlement cycles, compliance checks and other factors outside our direct control. A transaction shown as pending or processing may require additional time for confirmation. We will handle status enquiries, reversals, refunds and complaints in accordance with the applicable service rules, partner processes and law.

We do not guarantee uninterrupted or error-free processing of every transaction. We may delay, decline, restrict or review a transaction where reasonably necessary for security, fraud prevention, verification, compliance, technical issues or a request from a relevant bank, service provider or competent authority.

Any service charges, fees, limits or other conditions applicable to a particular service will be disclosed through the relevant platform or service flow, where applicable. Users must not use the platform for unlawful transactions, fraud, money laundering, unauthorised transfers or any activity prohibited by applicable law.

03User Responsibilities

You agree to:

• Provide truthful, accurate and current information when using our Website or services.
• Keep account credentials, authentication information and devices secure, and promptly report suspected unauthorised access.
• Use the Website only for lawful purposes and in accordance with these Terms.
• Not impersonate another person, submit false documents or use another person's account or payment details without authority.
• Not interfere with, disrupt, damage or attempt to gain unauthorised access to the Website, systems or networks.
• Not upload or transmit malicious code, fraudulent material or content that infringes the rights of others.
• Cooperate reasonably with verification, transaction investigation and complaint resolution where required.

You are responsible for activity conducted through your account, subject to applicable law and the circumstances of any reported unauthorised use.

04Intellectual Property

The Website and its content, including text, graphics, logos, design elements, software, photographs, videos, trademarks, trade names and other materials, are owned by Pulse Payment Technologies Private Limited or its licensors and are protected by applicable intellectual property laws.

These Terms do not transfer ownership of any intellectual property to you. You may use Website content only for lawful personal or business use related to accessing our services, as permitted by the Company and applicable law.

You must not copy, reproduce, publish, distribute, modify, commercially exploit or create derivative works from protected content without prior written permission from the relevant rights holder. You must not upload or distribute content belonging to the Company or a third party unless you have the necessary rights or permission. Unauthorised use may result in legal action under applicable law.

05No Warranties

To the extent permitted by applicable law, the Website and its general Information are provided on an “as is” and “as available” basis. We do not warrant that the Website will always be available, uninterrupted, secure, error-free or suitable for every user's requirements, or that all Information will always be complete, accurate or current.

We do not guarantee that access will be free from delays, failures, omissions, loss of transmitted information or harmful components. Users should maintain appropriate device security and take reasonable precautions when accessing online services.

Nothing in these Terms excludes any warranty, right or protection that cannot lawfully be excluded under applicable law.

06Limitation of Liability

To the extent permitted by applicable law, Pulse Payment Technologies Private Limited will not be liable for indirect, incidental, special, consequential or punitive losses arising from the use of, or inability to use, the Website or its general Information. This provision does not exclude liability that cannot be excluded or limited under applicable law, including any liability arising from obligations that the Company is legally required to fulfil.

The Company is not responsible for delays or interruptions caused by factors outside its reasonable control, including third-party bank systems, payment gateways, billers, telecommunications networks, internet connectivity, scheduled maintenance, force majeure events or actions of competent authorities, subject to applicable law.

You agree to be responsible for losses, claims, liabilities and reasonable costs arising from your unlawful use of the Website, your infringement of third-party rights or your material breach of these Terms, to the extent such responsibility is permitted by applicable law. Nothing in this section requires you to indemnify the Company for the Company's own liability where such indemnity is prohibited by law.

07Relationship

Nothing in these Terms creates a partnership, joint venture, employment relationship, franchise or agency relationship between you and Pulse Payment Technologies Private Limited. Neither party may bind the other or represent that it has authority to do so, except where expressly agreed in writing or required by law.

Third-party banks, payment gateways, billers and service providers may operate under their own terms and conditions. Your use of their services may also be subject to those terms.

08Suspension and Termination

We may restrict, suspend or terminate access to the Website or any service where reasonably necessary, including where you breach these Terms, provide inaccurate information, engage in suspected fraud or unlawful activity, create a security risk, where required by a bank or service provider, or where directed by a competent authority.

We may also temporarily suspend access for maintenance, technical issues, security incidents or operational reasons. Where appropriate and legally permitted, we will provide notice or information about the reason for a suspension.

Suspension or termination does not remove obligations or liabilities that arose before suspension or termination, nor does it affect rights that must continue under applicable law.

09Third-Party Websites and Services

Our Website may contain links to third-party websites, applications or services. Such services are operated independently and may be governed by separate terms, privacy policies, fees and procedures. You should review the applicable terms before using them.

The Company is not responsible for third-party content, availability or independent practices except to the extent required by applicable law. Where a third-party provider is involved in a transaction, the provider's processing times and rules may affect the service outcome.

10Privacy Policy

Your use of the Website and our services is also subject to our Privacy Policy, which explains how personal information is collected, used, stored and shared. Please review the Privacy Policy published on https://payintime.in. If there is any inconsistency between these Terms and a mandatory privacy requirement under applicable law, the applicable law will prevail.

11Grievance Redressal

For questions or complaints relating to these Terms, the Website or our services, please contact:

Company Name: Pulse Payment Technologies Private Limited

Grievance Officer: Lankadasula Balaji

Email: support@payintime.in

Contact Number: 9966444826

Registered Office Address: Flat No. 202, Plot No. 119, Road No. 15B, Gopal Nagar Society, Hyderanagar, Hyderabad, Telangana, India – 500085

Please provide relevant details about your concern and avoid sending passwords, PINs or OTPs. Complaints will be handled in accordance with applicable law and the Company's grievance-handling procedures.

12Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to applicable law and any mandatory jurisdiction rules, courts of competent jurisdiction in Hyderabad, Telangana, India shall have jurisdiction over disputes arising from or relating to these Terms or use of the Website.

Nothing in these Terms prevents either party from exercising rights or remedies available under applicable law.

13Changes to These Terms

We may revise these Terms from time to time to reflect changes to our services, operations, security requirements or applicable law. The revised Terms will be published on our Website with an updated date. Where required by law, we will provide notice or obtain consent before the changes take effect. Your continued use of the Website after revised Terms become effective will be subject to the revised Terms to the extent permitted by applicable law.

Last Updated: 27 October 2026