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Terms and Conditions

In using this website, you are deemed to have read and agreed to the following terms and conditions: The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Customer", "You" and "Your" refers to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Customer and us, or either the Customer or ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Customer in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Customer's needs in respect of provision of the Company's stated services/products, in accordance with and subject to, prevailing Indian Law. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Confidentiality

Certain information concerning the customer may be shared with third parties, as in address details for dispatching an order. Such details are regarded as highly confidential, and all due diligence and contracts have been signed with the third parties to ensure privacy. Details are further shared if legally required to do so to the appropriate authorities. We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any emails sent by this Company will only be in connection with the provision of agreed services and products.

Services and Offers

Zaggle reserve the right to provide users services and offerings either directly or through its entities, partners and third parties. By availing these services and offers the user is deemed to have given his/her consent for the same along with having agreed to the associated terms and conditions. User acknowledges that by availing the services offered of by Zaggle partners and third parties, Zaggle is not part of the contract and acts merely as intermediary.

Zaggle reserves the right to disqualify any user from any offer or service in case they do not meet the eligibility criteria for such an offer or service or any other reasons thereof including but not limited to misuse of offer, misrepresentation, fraud, or suspicious transactions/activities, including but not limited to PMLA directives or any at our sole discretion without further notice.

Disclaimer

Exclusions and Limitations The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, this Company: excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or the Company's literature; and excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages. This Company does not however exclude liability for death or personal injury caused by its negligence. The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer are affected.

Payment

Payment to www.zaggle.in will be processed by PayU & Mobikwik.

PayU offers the following payment options • Credit Cards • Debit Cards • Net banking • UPI

Mobikwik offers the following payment options. • Credit Cards • Debit Cards

Availability

The customer is solely responsible for evaluating the fitness for a particular purpose of any downloads, programs, and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant that the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service, you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Cookies

Like most interactive websites this Company's website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.

Links to this website

You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website, you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Copyright Notice

Copyright and other relevant intellectual property rights exist on all text relating to the Company's services and the full content of this website. This Company's logo is a registered trademark of this Company in India and other countries. The brand names and specific services of this Company featured on this website are trademarked.

Communication Policy

By accepting the terms and conditions the customer accepts that Zaggle may send the alerts to the mobile phone number provided by the customer while registering for the service or to any such number replaced and informed by the customer. The customer acknowledges that the alerts will be received only if the mobile phone is in ‘On’ mode to receive the SMS. If the mobile phone is in 'Off' mode, then the customer may not get / get after delay any alerts sent during such period. The customer acknowledges that the SMS service provided by Zaggle is an additional facility provided for the customer’s convenience and that it may be susceptible to error, omission and/ or inaccuracy. In the event the customer observes any error in the information provided in the alert, Zaggle shall be immediately informed about the same by the customer and Zaggle will make best possible efforts to rectify the error as early as possible. The customer shall not hold Zaggle liable for any loss, damages, claim, expense including legal cost that may be incurred/ suffered by the customer on account of the SMS facility. Customer also agrees to receive information regarding what Zaggle perceives to be of their interest based on usage history via SMS, Email & Phone call. This includes offers, discounts and general information. In case the customer does not want such information, they have to explicitly ask to be excluded. We have several different e-mail addresses for different queries. These, & other contact information can be found on our Contact Us link on our website or via Company literature or via the Company's stated telephone, facsimile or mobile telephone numbers. All communications may be addressed to the Registered Office of www.zaggle.in: Zaggle Prepaid Ocean Service. Ltd. # 15th Floor – Western Block, Vamasiram – Suvarna Durga Tech Park, Nanakramguda Village, Serilingampally Mandal, GHMC Serilingampally Circle, Ranga Reddy District, 500032, Telangana.

Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavours to comply with the terms and conditions of any Agreement contained herein.

Waiver

Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

General

The laws of Republic of India govern these terms and conditions. By accessing this website [and using our services/buying our products] you consent to these terms and conditions and to the exclusive jurisdiction of the Indian courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied, or supplemented except in writing and signed by duly authorised representatives of the Company.

Notification of Changes

The Company reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers' Personally Identifiable Information, notification by e-mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our website 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis.

Terms and Conditions for Zaggle Propel Card (henceforth known as card)

  1. This Card is issued by Zaggle Prepaid Ocean Services. Ltd (henceforth known as Zaggle). If found, please return to Zaggle, Boomerang Building, Ground Floor, B1-004, Yadav Nagar, Chandivali. Powai, Mumbai- 400072
  2. This Card is the sole property of Zaggle.
  3. By using, attempting to use, or accepting to take possession/custody of this card in the physical form or by keeping a copy of this card in the electronic format the cardholder agrees to agree to the terms and conditions applicable to this Card.
  4. This card is redeemable only against products/ vouchers/ cards/ merchandise/ goods or services purchased or redeemed on www.zaggle.in and for only those products/ /vouchers/cards/ merchandise/goods or services whose redemption or purchase is approved by the entity who has paid to load the card.
  5. This Card is not redeemable for Cash.
  6. This Card is a non-reloadable card.
  7. To redeem on www.zaggle.in you must first sign up on the website or mobile app and then add the card.
  8. In the event any "Know Your Customer" (KYC) or any other details furnished are found to be incorrect Zaggle retains the right to cancel the Card and the redemption orders placed using this Card.
  9. Zaggle reserves the right to share the information supplied by you with appropriate regulatory or government authorities as is required by law.
  10. Zaggle reserves the right to use the data shared by the Cardholder for reasonable business purposes including but not restricted to marketing and promotional activities.
  11. The Validity of the card will be printed on the back of the card. In case of electronic Zaggle Propel Card, which may be dispatched to the card holder via electronic mail or short message service (SMS) message the expiry date may be mentioned in the electronic mail or short message service (SMS) message. In case the validity is not printed on the card or not visible due to wear and tear, the validity of the card is deemed to be 6 months from the date of issue.
  12. Any unredeemed value or unutilized balance on this card after the date of expiry of the card will stand forfeited.
  13. In case the value of the redeemed goods is greater than the balance of the Card the difference must be paid by Debit or Credit Cards or Net Banking.
  14. In case the value of the redeemed goods is less than the balance of the Card the difference can be used to purchase products at a later date and no cash will be refunded.
  15. The cardholder is responsible for ensuring completeness of the shipping address to ensure delivery of orders.
  16. The redeemed products are dispatched by courier to the address given by the customer at the time of ordering. It's the cardholders' responsibility to check the dispatch status and ensure his/her availability at the time of delivery of the consignment.
  17. Zaggle cannot be held responsible for non-receipt electronic mails sent to the Cardholder due to any reason including but not limited to incorrect email address, electronic mails going to spam/junk folders instead of inbox, change in electronic mail address, connectivity or network failures.
  18. The Card is not transferable without the written permission of Zaggle.
  19. Protect the Card Number to avoid misuse.
  20. Zaggle is not responsible if the card or the card number are stolen, lost or misused.
  21. Zaggle shall not be held responsible for any fraud or misuse of this card and the cardholder agrees to be personally liable for any and all costs, taxes, charges, claims or liabilities of any nature, arising due to any such fraud or misuse of this card.
  22. The Cardholder agrees to use this card and the redeemed products only for lawful purposes and will ensure not to use the Card or the redeemed products for any illegal/criminal/money laundering/terrorist activities.
  23. All transactions done or attempted using the Card and all product /vouchers/cards/ merchandise/ goods or services purchased / redeemed or availed using this Card are subject to Indian law.
  24. The Card cannot be revalidated after expiry.
  25. Zaggle shall not be liable/responsible for any defect or non-acceptance in any product /vouchers/cards/ merchandise/ goods or services purchased / redeemed or availed using this Card. Any dispute or claim regarding product/ vouchers /cards/merchandise/goods or services purchased / availed using this card must be resolved with respective merchants who supplied or having committed to honour these products/ vouchers /cards/ merchandise/goods or services.
  26. Handling charges applicable.
  27. Shipping charges are applicable but may be waived from time to time as a gesture of good faith. Waiver of any fees or charges on one occasion cannot be constructed as a promise or commitment of future waiver of fees or charges.
  28. Return of Products/ vouchers/ cards/ merchandise/ goods or services that have been purchased or redeemed are the sole discretion of Zaggle.
  29. Zaggle reserves the right to send replaced products/ vouchers/ cards/ merchandise/ good or services of the same value in case the products/ vouchers/ cards/ merchandise/ goods or services requested for are unavailable.
  30. Zaggle reserves the right to alter, delete, insert, revise and modify these terms and conditions from time to time without any prior notice or intimation to the cardholder. It is the Cardholders responsibility to visit the website www.zaggle.in periodically to review the terms and conditions.
  31. Zaggle reserves the right at any time to refuse for any reason whatsoever, the use of this Card in any manner.
  32. Zaggle reserves the right to block, deactivate, cancel this card at any time to refuse for any reason whatsoever including but not limited to fraud, suspected fraud, privacy law violations, abuse, misuse, unethical use of the card.
  33. The Cardholder hereby agree to indemnify and keep Zaggle Prepaid Ocean Services. Ltd. indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges and expenses whatsoever which Zaggle may at any time incur, sustain, suffer in respect of the cardholders use of Card or otherwise. Unless, expressly provided herein, Zaggle disclaims any liability to the cardholder in this regard.
  34. For resolving any dispute, the Cardholder is asked to write to Zaggle Prepaid Ocean Services. Ltd., Boomerang Building, Ground Floor, B1-004, Yadav Nagar, Chandivali. Powai, Mumbai- 400072. or email to [email protected]. Each of these disputes will be considered carefully and addressed purely on the merits of case. The decision of Zaggle is final and binding this regard. These terms and conditions form part of the Agreement between the Customer and Ourselves. Your accessing of this website and/or undertaking of a booking or Agreement indicates your understanding, agreement to and acceptance, of the Disclaimer Notice and the full Terms and Conditions contained herein. Your statutory Consumer Rights are unaffected.

Privacy Statement

We are committed to protecting your privacy. Only authorized employees in our company have access to details, and only used in completion of the orders. Our systems and data are continuously updated to ensure the best possible service to our customers. Parliament has created specific offences for unauthorised actions against computer systems and data. We will investigate any such actions with a view to prosecuting and/or taking civil proceedings to recover damages against those responsible.

Confidentiality

Certain information concerning the customer may be shared with third parties, as in address details for dispatching an order. Such details are regarded as highly confidential, and all due diligence and contracts have been signed with the third parties to ensure privacy. Details are further shared if legally required to do so to the appropriate authorities.

We will not sell, share, or rent your personal information to any third party or use your e-mail address for unsolicited mail. Any emails sent by this Company will only be in connection with the provision of agreed services and products.

Disclaimer

Exclusions and Limitations The information on this mobile app is provided on an "as is" basis. To the fullest extent permitted by law, this Company: excludes all representations and warranties relating to this mobile app and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this mobile app and/or the Company's literature; and excludes all liability for damages arising out of or in connection with your use of this mobile app. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages. This Company does not however exclude liability for death or personal injury caused by its negligence. The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer are affected.

Availability

The customer is solely responsible for evaluating the fitness for a particular purpose of any usage on the mobile app. Redistribution or republication of any part of this mobile app or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant that the service from this mobile app will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service, you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Links/references to this mobile app

You may not create a link to any page of this mobile app without our prior written consent. If you do create a link to a page of this mobile app you do so at your own risk and the exclusions and limitations set out above will apply to your use of this mobile app by linking to it. If such links/references are used to the detriment of the company, suitable legal action will be initiated against you.

Copyright Notice

Copyright and other relevant intellectual property rights exist on all text relating to the Company's services and the full content of this mobile app.

This Company's logo is a registered trademark of this Company in India and other countries. The brand names and specific services of this Company featured on this mobile app are trademarked.

Communication Policy

By accepting the terms and conditions the customer accepts that Zaggle may send the alerts to the mobile phone number provided by the customer while registering for the service or to any such number replaced and informed by the customer. The customer acknowledges that the alerts will be received only if the mobile phone is in ‘On’ mode to receive the SMS. If the mobile phone is in ‘Off’ mode, then the customer may not get / get after delay any alerts sent during such period.

The customer acknowledges that the SMS service provided by Zaggle is an additional facility provided for the customer's convenience and that it may be susceptible to error, omission and/ or inaccuracy. In the event the customer observes any error in the information provided in the alert, Zaggle shall be immediately informed about the same by the customer and Zaggle will make best possible efforts to rectify the error as early as possible. The customer shall not hold Zaggle liable for any loss, damages, claim, expense including legal cost that may be incurred/ suffered by the customer on account of the SMS facility.

Customer also agrees to receive information regarding what Zaggle perceives to be of their interest based on usage history via SMS, Email & Phone call. This includes offers, discounts and general information. In case the customer does not want such information, they have to explicitly ask to be excluded.

We have several different e-mail addresses for different queries. These, & other contact information can be found on our Contact Us link on our mobile app or via Company literature or via the Company's stated telephone, facsimile or mobile telephone numbers.

All communications may be addressed to the Registered Office of Zaggle: - Zaggle Prepaid Ocean Services Limited, 15th Floor – Western Block, Vamasiram – Suvarna Durga Tech Park, Nanakramguda Village, Serilingampally Mandal, GHMC Serilingampally Circle, Ranga Reddy District, 500032, Telangana.

Force Majeure

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavours to comply with the terms and conditions of any Agreement contained herein.

Waiver

Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

General

The laws of Republic of India govern these terms and conditions. By accessing this mobile app[and using our services/buying our products] you consent to these terms and conditions and to the exclusive jurisdiction of the Indian courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorised representatives of the Company.

Notification of Changes

The Company reserves the right to change these conditions from time to time as it sees fit and your continued use of the mobile app will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our mobile app. If there are any changes in how we use our mobile app customers' Personally Identifiable Information, notification by e-mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our mobile app 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis.

Services, Cashback and Offers on the Mobile App

The company shall do its best deliver the best in terms of services to its users. However, the company will not be held responsible for any deemed deficiency arising out of miss-utilization or misunderstanding on the part of the user.

All campaigns and offers, be it with respect to cashbacks, referral programs, etc shall be for the cities of Hyderabad and Pune only, where the company offers its mobile app restaurant cashback services.

The allotment of Cashback is at the sole discretion of Zaggle and Zaggle cannot be held responsible for any delay or non-allotment of the cashback for any reason whatsoever.

These shall be subject to change as deemed necessary with no prior intimation needed to the customer.

The company cannot be held responsible for non-receipt electronic mails sent to the mobile app user due to any reason including but not limited to incorrect email address, electronic mails going to spam/junk folders instead of inbox, change in electronic mail address, connectivity or network failures.

The company tries its best to ensure that the merchants it signs up provide the best in terms of quality and services. The company shall not be held responsible for any deficiency in services by the said merchants.

Any retail brand gift voucher redeemed/purchased on the mobile app and mobile apps hall be covered under the terms and conditions of the corresponding retail brand.

Terms and conditions for INDUSIND Bank - Zaggle Gift Prepaid Cards (Wave Gift card, Kohinoor Gift card, Wheel Gift card)

The 'Terms and Conditions' mentioned herein is applicable to the usage of the “GIFT Prepaid Card” and required to be agreed to and accepted before its usage. The Terms and Conditions, specified below govern and constitute the entire agreement and/or arrangement between you and INDUSIND Bank and/or Zaggle Prepaid Ocean Service Ltd. (“Zaggle”) in relation to the “GIFT Prepaid Card”, as amended from time to time at the at the sole discretion of the INDUSIND Bank Limited. By completing the sign-up process for availing the “GIFT Prepaid Card”, you are deemed to have expressly read, understood, and accepted each and every Terms and Conditions mentioned herein. You agree to be bound by all the Terms and Conditions mentioned herein, as may be amended from time to time, at the sole discretion of the INDUSIND Bank Limited.

  1. You agree to be bound by the terms and conditions by performing first transaction with the card or acknowledging receipt of the card in writing or by signing on the reverse of the card. The card remains the property of the IndusInd Bank Limited (“Bank”).
  2. This card is given to you by a corporate entity/individual purchase, and is non-transferable.
  3. Usage :
    1. KOHINOOR Card - This Card is a VISA Prepaid Card that can be used after activation for purchasing goods and services only in India and only at Gold and Jewellery Merchants registered with VISA.
    2. WHEELS Card - This Card is a VISA Prepaid Card that can be used after activation for purchasing goods and services only in India from Car & Motorcycle shops and dealer merchants who accepts VISA enabled cards.
    3. WAVE Card - This card is a co-branded VISA prepaid card that can be used after activation for purchasing goods and services only in India and only at merchants - Lifestyle, INOX, Croma, Domino's Pizza, Café Coffee Day, @home, Velvetcase.com ezeego.comConstraints of WAVE Card:The Wave card cannot be used at Coffee Day Square, Airport Cafes, Clubs and any other franchise outlet of Café Coffee Day
    4. The Wave card cannot be used to purchase gold at Lifestyle stores.elvetcase is an online jewellery store and doesn't have any brick and motor stores. Purchases at VelvetCase can be done online only, onwww.velvetcase.com
    5. The Wave card cannot be used to purchase gold and silver coins/bars onwww.velvetcase.com
  4. The card cannot be used to make transactions that exceed the available balance. For such a transaction you will need to pay the difference by another method if the merchant agrees.
  5. The card is not reloadable. It is valid until the expiry date mentioned on the front of the card and cannot be used after expiry. The card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments.
  6. The card cannot be used at any ATM's for cash withdrawals or any other activity at an ATM. However, if the card is attempted to be used at an ATM, you will be charged a fee of Rs 25/- per attempt even though the transaction is declined by the ATM.
  7. The card will be valid for a period of up to 1 year. The card will expire on the last day of the month and the year indicated on the card.
  8. Zaggle Prepaid Ocean Services. Ltd. (“Zaggle”) will send you an SMS 45 days before card expiry notifying you of the same. If there is no response with address seeking an extension of PPI validity via reissuance of a fresh PPI, consent is deemed to have been given for transferring the PPI balance back to the source account. Kindly ensure that the contact information is kept up to date.
  9. For more information on the list of valid KYC documents please visitwww.zaggle.in/payments. You can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or write to [email protected]
  10. The card cannot be used for making direct debit, recurring, or regular instalment payments.
  11. You are responsible for all transactions on the card. If you notice any error relating to the card, you should notify us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  12. If you have a problem with a purchase made with the card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact us at 1860 500 1231(Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  13. The Bank and/or Zaggle reserves the right to place a stop on your card if:
    1. You report that your card has been lost, stolen or damaged; or
    2. The Bank and/or Zaggle believes (or reasonably suspects) that the card has been used (or will be used) contrary to these terms and conditions.
  14. The Bank and/or Zaggle may issue a replacement card to the cardholder against such lost, stolen or damaged card, upon a request being made by you, in this regard and at our sole discretion. A fee of Rs.100 plus GST would be applicable.
  15. Any refunds on card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the card, to the same wallet from which the amount was originally debited.
  16. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance on the websitewww.zaggle.in/paymentsor by calling Zaggle on 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM).
  17. If you have a query about the card, you can contact us at 1860 500 1231(Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected].
    18. If your query/concern remains unresolved or if you are not satisfied with the resolution, in that case for any escalation you may reach out to the bank directly on[email protected].
  18. Information will be disclosed to third parties about the card, or transactions made with the card, as allowed by law, required by law and also where necessary to operate the card and process transactions. A full privacy policy can be viewed on the websitewww.zaggle.in
  19. Notwithstanding anything contained herein above, the user hereby accepts and confirms that as a pre-condition to the use of the card, the user gives consent to the disclosure by the Bank and/or Zaggle of all or any such:
    1. Information and data relating to the card / user;
    2. Information or data relating to any of the terms of this agreement; and
    3. Default, committed by the user in discharge of the obligation contained herein; as the Bank and/or Zaggle may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency authorized in this behalf by Reserve Bank of India or any other regulatory authority
  20. The Bank and/or Zaggle reserves the right to change the terms and conditions and all fees and charges related to the card at any time at their sole discretion. The same shall be updated onwww.zaggle.in/terms-and-conditions. All fees and charges related to the card will be recovered by a debit to the card or through other means as available and applicable.
  21. These terms and conditions will be governed by and be construed in accordance with the laws of India and as per applicable Reserve Bank of India's Directions on Issuance and Operation of Prepaid Payment Instruments. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai.

Terms and conditions for IndusInd Bank - Zaggle Zinger Card

  1. You agree to be bound by the terms and conditions by performing first transaction with the card or acknowledging receipt of the card in writing or by signing on the reverse of the card. The card remains the property of the IndusInd Bank Limited (“Bank”).
  2. This card is given to you by a corporate entity/individual purchase and is non-transferable.
  3. The card is a co-branded VISA prepaid card that can be used after activation for purchasing goods and services only in India and only at merchant categories of food, travel, fuel, expense, and rewards service providers registered as such with VISA.
  4. The card cannot be used to make transactions that exceed the available balance. For such a transaction you will need to pay the difference by another method if the merchant agrees.
  5. The card is a reloadable card. The reloading of the card is done basis the instructions received by corporate only.
  6. The card will be valid for a period of up to 5 years. The card will expire on the last day of the month and the year indicated on the card.
  7. Zaggle Prepaid Ocean Services. Ltd. (“Zaggle”) will send you an SMS 45 days before card expiry notifying you of the same. If there is no response with address seeking an extension of PPI validity via reissuance of a fresh PPI, consent is deemed to have been given for transferring the PPI balance back to the source account. Kindly ensure that the contact information is kept up to date.
  8. You are responsible for ensuring that your mobile number, PAN Number, are updated with Zaggle. For completion of Full KYC you are. You can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or write to [email protected]
  9. The card cannot be used for making direct debit, recurring, or regular instalment payments.
  10. Cash can be withdrawn only from the expense wallet, provided there are funds. An amount of Rs.30 + 18% GST will be charged for each ATM transaction cash withdrawal, balance enquiry and statement request.
  11. You are responsible for all transactions on the card. If you notice any error relating to the card, you should notify us at 18605001231(Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  12. You shall be responsible for compliance with Income Tax Rules. Neither Zaggle nor the Bank shall be responsible for lapses, if any in non-compliance with the Income Tax Rules.
  13. A fuel surcharge of 1.18% or Rs.11.80 whichever is higher will be charged on all fuel purchases.
  14. Cashback on purchase of fuel is subject to change as per Bank/Govt regulations.
  15. If you have a problem with a purchase made with the card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  16. The Bank and/or Zaggle reserves the right to place a stop on your card if:
    • You report that your card has been lost, stolen or damaged; or
    • The Bank and/or Zaggle believes (or reasonably suspects) that the card has been used (or will be used) contrary to these terms and conditions.
  17. The Bank and/or Zaggle may issue a replacement card to the cardholder against such lost, stolen, or damaged card, upon a request being made by you, in this regard and at our sole discretion. A fee of Rs.199 plus GST would be applicable.
  18. Any refunds on card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the card, to the same wallet from which the amount was originally debited.
  19. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance on the website www.zaggle.in/payments or by calling Zaggle on 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM).
  20. If you have a query about the card, you can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected].
  21. If your query/concern remains unresolved or if you are not satisfied with the resolution, in that case for any escalation you may reach out to the bank directly on [email protected].
  22. Information will be disclosed to third parties about the card, or transactions made with the card, as allowed by law, required by law and also where necessary to operate the card and process transactions. A full privacy policy can be viewed on the website www.zaggle.in.
  23. Notwithstanding anything contained herein above, the user hereby accepts and confirms that as a pre-condition to the use of the card, the user gives consent to the disclosure by the Bank and/or Zaggle of all or any such:
    • Information and data relating to the card / user;
    • Information or data relating to any of the terms of this agreement; and
    • Default, committed by the user in discharge of the obligation contained herein; as the Bank and/or Zaggle may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency authorized in this behalf by Reserve Bank of India or any other regulatory authority.
  24. The Bank and/or Zaggle reserves the right to change the terms and conditions and all fees and charges related to the card at any time at their sole discretion. The same shall be updated on www.zaggle.in/terms-and-conditions. All fees and charges related to the card will be recovered by a debit to the card or through other means as available and applicable.
  25. These are the most important terms and conditions and shall be read in conjunction with the details terms and conditions on the website www.zaggle.in/terms-and-conditions under the Zinger Multiwallet Card section.
  26. These terms and conditions will be governed by and be construed in accordance with the laws of India and as per applicable Reserve Bank of India's Directions on Issuance and Operation of Prepaid Payment Instruments. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai.

These Terms and Conditions apply to all transactions involving the use of IndusInd Kuber Card.

  1. You agree to be bound by these terms and conditions by purchasing, activating, using or attempting to use the card or making transaction enquiries or exercising any right to redeem the value loaded on the card. If you are giving the card to another person, you should ensure that they are aware of the terms and conditions that apply to the card. The user of the card is advised to sign at the appropriate place provided on the reverse side of the card before its use. The card remains the property of the IndusInd Bank (“Bank”).
  2. The card is a Visa Prepaid card that can be used after activation for purchasing goods and services only in India.
  3. The card cannot be used to make transactions that exceed the available balance. For such a transaction you will need to pay the difference by another method if the merchant agrees.
  4. The card is not reloadable. The validity of the card is one year. It is valid until the expiry date mentioned on the front of the card and cannot be used after expiry. The card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments.
  5. Zaggle Prepaid Ocean Services. Ltd. (“Zaggle”) will send you an SMS 45 days before card expiry notifying you of the same. If there is no response with address seeking an extension of PPI validity via reissuance of a fresh PPI, consent is deemed to have been given for transferring the PPI balance back to the source account. Kindly ensure that the contact information is kept up to date.
  6. The card cannot be used at any ATMs for cash withdrawals or any other activity at an ATM. However, if the card is attempted to be used at an ATM, besides the transaction being declined by the ATM,
  7. You shall be responsible for all transactions on the card. If you notice any error relating to the card, you should notify us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  8. If you have a problem with a purchase made with the card, or a dispute with a merchant, you must deal directly with the merchant involved. Neither Zaggle nor the Bank shall be responsible for any products and/or services availed by you from any of the merchants. If you cannot resolve the dispute with the merchant, you can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  9. The Bank and /or Zaggle reserves the right to place a stop on your card if:
  10. You report that your card has been lost, stolen or damaged; or
  11. The Bank and/or Zaggle believes (or reasonably suspects) that the card has been used (or will be used) contrary to these terms and conditions.
  12. A fuel surcharge of 1.18% or Rs.11.8 whichever is higher will be applied on all fuel purchases.
  13. The Bank and /or Zaggle may issue a replacement card to the cardholder against such lost, stolen, or damaged card, upon a request being made by you, in this regard and at our sole discretion. A fee of Rs.100 plus taxes shall be applicable for every replacement card that is issued to the cardholder.
  14. Any refunds on card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the card, cash refund or in-store credit. If the card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the card) then you will have no access to those funds.
  15. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance on the websitewww.zaggle.in/paymentsor by calling Zaggle on 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected]
  16. If you have a query about the card, you can contact us at 1860 500 1231 (Monday to Saturday 10:00 AM to 07:00 PM) or at [email protected].
    17. If your query/concern remains unresolved or if you are not satisfied with the resolution, in that case for any escalation you may reach out to the bank directly on[email protected].
  17. Information will be disclosed to third parties about the card, or transactions made with the card, whenever allowed by law, required by law and also where necessary to operate the card and process transactions.
  18. Notwithstanding anything contained herein above, the user hereby accepts and confirms that as a pre-condition to the use of the card, the user hereby agrees and gives consent to the disclosure by the Bank and/or Zaggle of all or any such:
    1. Information and data relating to the card / user;
    2. Information or data relating to any of the terms of this Agreement; and
    3. Default, committed by the user in discharge of the obligation contained herein; as the Bank and/or Zaggle may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency authorised in this behalf by Reserve Bank of India or any other regulatory authority.
  19. You hereby agree to indemnify and keep the Bank and Zaggle indemnified and harmless from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges, and expenses whatsoever which Bank or Zaggle may at any time incur, sustain, suffer in respect of your use of card or otherwise arising from the card. Unless, expressly provided herein, Bank & Zaggle disclaims any liability to you in this regard that may arise from the use of the card.
  20. The Bank and /or Zaggle reserves the right to change these terms and conditions anytime and the same shall be updated on our websitewww.zaggle.in/terms-and-conditionsand all fees and charges related to the card at any time at its sole discretion. All fees and charges related to the card will be recovered by a debit to the card balance or through other means as available and applicable.
  21. These terms and conditions will be governed by and be construed to in accordance with the laws of India and as per applicable Reserve Bank of India’s Directions on Issuance and Operations of Prepaid Instruments. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai.
  22. SCHEDULE OF CHARGES: The charges for the Kuber Gift Card:
    Charge TypeFees + GST
    Card Re-validation FeeINR 100.00 + GST
    Lost Card ReplacementINR 100.00 + GST
  23. *GST at 18%
  24. The user can opt for a card re-validation and Lost Card replacement through a request placed at the customer service number 1860 500 1231 (Monday to Saturday, 10:00 AM to 7:00 PM) or email at [email protected]
    1. The fees + GST will be debited from the available card balance.
    2. In the case of a Kuber gift card re-validation request the validity of the card will be 1 year/12 months from date of issue.
    3. In the case of a lost Kuber gift card re-issue request the validity of the card will be 1 year/12 months from date of issue

Most Important “Terms and Conditions” for YES BANK Prepaid Instruments- ENGLISH

  1. Definitions:

    1. Prepaid Instrument (“PPI”):PPIs (Card/wallet) are payment instruments that facilitate purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments.
    2. Know your Customer (“KYC”):The guidelines adopted by the Bank to identity the customer and verify the identity of the customer.
    3. Personal Identification Number (“PIN”):PIN is a numeric password which is part of the kit handed over to customer by the bank while issuing the PPI.
    4. Holder:Individuals/Organizations who obtain/purchase PPIs from Bank and use the same for purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments

  2. Obligation of the Prepaid Customer who purchases Prepaid Instrument from the Bank:

    1. Prepaid Instrument (PPI) shall be issued to a Customer at the sole discretion of the Bank post complying with “Know Your Customer” guidelines
    2. The Bank shall levy fees for issuance/usage of the Prepaid Instrument as per Schedule of Charges displayed on Bank/Partner website and available as part of the “Terms & Conditions” on our website i.e.www.yesbank.in.
    3. The Bank shall issue a PIN to Customer for operating the PPI (Card/wallet). The Customer shall take reasonable precaution to prevent misuse of the PIN. The Customer shall be solely responsible for any consequences arising directly or indirectly out of the disclosure of the PIN and/or unauthorized use of PPI as a result of any misuse for want of reasonable care and precaution. The Customer disclaims liability of the Bank for any unauthorized use of Prepaid Instrument and for any loss or damage incurred directly or indirectly as a result of such misuse.
    4. The Customer shall be responsible for safe custody of the Prepaid Instrument. In case of loss or theft of the Prepaid Instrument or misuse of the Instrument, the Customer shall immediately inform any of the branch/customer care of the Bank. Customer shall be responsible and liable for all unauthorized transactions till the time customer reports the unauthorized transaction to the Bank. A new Instrument shall be issued to the Customer, in lieu of lost/stolen Prepaid Instrument upon request in writing and payment of applicable fee as per the Schedule of Charges.
    5. The PPI can be used at any of the YES BANK ATMs or network ATMs for permitted transactions depending on the type and features of the PPI. The charge slip dispensed by the ATM during usage of the PPI shall not be construed as an evidence of the transaction. The records of transactions maintained by the Bank shall be conclusive and binding for all purpose.
    6. The Bank shall not pay any interest on the balance outstanding in the Prepaid Instrument at any point in time.
    7. The Bank will intimate the Customer through a SMS on the registered mobile number, 45 days prior to expiry of validity period of the PPI. Customer needs to utilize the balance amount prior to expiry of the instrument. In case Customer does not utilize the balance amount within the validity period, the Customer can approach the bank for refund/transfer of outstanding balance. In case the Customer does not approach the bank within a specified period as prescribed by regulator, the outstanding balance will be transferred to a fund in compliance with the regulatory guidelines.
    8. Any claim for compensation made by the customer shall be settled purely as per the provisions of the Compensation Policy of the Bank.
    9. All card holders will be covered under Customer liability policy of YES BANK. For more details on customer liability policy please refer to Bank’s website -www.yesbank.in

  3. Product Feature:

    Currently Cash at POS facility is not enabled on the Prepaid cards.

  4. Confidentiality:

    The Customer hereto shall keep strictly confidential all information including but not limited to that which may be disclosed or confided to it by the other in the course of the performance of the obligations (“Confidential Information”) under this ‘“Terms and Conditions”’. The Customer shall not disclose Confidential Information to any third party without prior approval of YES BANK. This clause shall survive the termination of PPI issued by YES BANK. Information may not be considered as Confidential Information is the same is:

    1. Already in public domain;
    2. Required to be disclosed by the Customer under any laws, rules or regulations or pursuant to the order or direction, of any Court, authority, tribunal or forum.

  5. Change in information:

    The Customer shall also inform YES BANK/Partner of any change in the Customers mailing address. Further, the Customer shall also inform YES BANK about any change in the details such as name, telephone number, or mobile number. The Customer agrees that any change of address will be immediately informed to YES BANK within 30 days of such change or update of documents in order to update the Bank records accordingly.

  6. Prohibition against assignment:

    The functions, rights or obligations under these ‘“Terms and Conditions”’ shall not be assigned or delegated to any party or person by the Customer without the express prior written consent of YES BANK. Any purported assignment or delegation is contravention of the terms under this ‘“Terms and Conditions”’ and shall be null and void.

  7. Suspension or Termination or Cancellation or Discontinuance of the PPI:

    YES BANK may, if it is satisfied that it is necessary to do so, at any time and on such conditions as it thinks fit, suspend or deny or terminate the PPI under the following circumstances:

    1. In the event of the Customer being declared insolvent or in the event YES BANK receives any notice/intimation about the death of the Customer;
    2. In the event of the Customer committing breach of any of the terms, conditions, stipulations or its obligations under these ‘“Terms and Conditions”;
    3. In the event of any restriction imposed on the Customer by an order issued by any regulatory authority or a Court in India or by any investigating agency.

  8. Indemnity:

    The Customer shall indemnify and keep YES BANK, its directors, officers, employees and agents indemnified of, from and against any cost, expenses, charges, which YES BANK is required to incur or has incurred to defend any such claim, suit, demand, prosecution, proceedings, due to any act of omission or commission, fraud, negligence or default on the part of the Customer as a holder of the Prepaid Instrument.

  9. Force Majeure:

    Notwithstanding anything contained herein, YES BANK shall not be liable to the Customer for any harm, loss, damage or injury caused due to causes beyond its control such as tide, storm, cyclone, flood, lightning, earthquake, fire, blast, explosion or any other act of God, war, rebellion, revolution, insurrection, embargo or sanction, blockade, riot, civil commotion, labor action or unrest including strike, lock-out or boycott, interruption or failure of any utility service, enemy action, criminal conspiracy, act of terrorism or vandalism, sabotage, hacking, unanticipated technological or natural interference or intrusion, loss or damage to satellites, loss of satellite linkage or any other data communications linkage, loss of connectivity or any other irresistible force or compulsion.

  10. Service of Notice:

    Any notice or communication required to be given under this ‘“Terms and Conditions”’ shall not be binding unless the same is in writing and shall have been served by hand delivery against acknowledgement or by registered post at the Registered Office address of YES BANK Limited (in case a notice is to be served to YES BANK) and to address recorded with YES BANK in case notice is to be served to the Customer.

  11. Customer Care details:

    In case of any queries, please call the toll-free number1800 103 5485. Details can be found on the website -www.yesbank.inas well.

  12. Grievance Redressal:

    Any complaint, dispute, grievance would be addressed to YES BANK in accordance with the Bank’s Grievance Redressal policy.

    1. In case resolution provided does not meet user expectations, user can approach Grievance Redressal Officer at [email protected].If resolution provided by Grievance Redressal Officer is not satisfactory user can approach Principal Nodal Officer at [email protected] For more details on Grievance Redressal policy, please refer to -https://www.yesbank.in/pdf/grievanceredressal_pdf.
    2. The User is hereby informed that YES BANK is covered under the Banking Ombudsman Scheme, 2006 of the Reserve Bank of India. Under this scheme, any grievance against the Bank, if not addressed within 30 days can be addressed to the Banking Ombudsman of the concerned city. Please follow the below link for contact details of the Ombudsman:https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164

  13. Governing Language:

    All deeds, documents and writings that may be executed and all correspondence that may be exchanged between the Customer and YES BANK hereto in relation to the subject matter of this ‘“Terms and Conditions”’ shall be in English language, which shall be the governing language between the Customer and YES BANK hereto.

  14. Governing Law and Jurisdiction:

    The use of Prepaid Instrument by the Customer shall be governed in all respects by the laws in force in India. The Customer agrees to submit to the exclusive jurisdiction of the courts in Mumbai. These ‘“Terms and Conditions”’ shall be subject to Government notifications, any rules, regulations, guidelines and circulars/notices issued by YES BANK and rules, regulations, bye Laws, Operating Instructions and circulars/communiqués/notices issued by the regulator.

  15. Change of “Terms and Conditions”:

    YES BANK reserves the right, in its sole and absolute discretion to amend, delete, modify, vary, or supplement any of the “Terms and Conditions” at any time and will endeavor to give prior notice of seven days for such changes.

  16. Please refer to the exhaustive “Terms and Conditions” displayed on the website of YES BANK for the latest and comprehensive applicable “Terms and Conditions”. The customer shall be deemed to have read and understood the exhaustive “Terms and Conditions” while dealing with YES BANK. Also refer the mentioned link for complete details on Partner programs https://www.yesbank.in/digital-banking/partner-program-information

    The standard schedule of charges as applicable on date is provided below

    Description of chargesFees (Amount) in Rs.
    ATM Cash Withdrawal FeesRs.20/- per transaction

    *Plus applicable taxes

Most Important “Terms and Conditions” for YES BANK Prepaid Instruments- HINDI

येस बैंक प्रीपेड इंस्ट्रूमेंट्स के लिए सबसे महत्वपूर्ण "नियम और शर्तें"

  1. परिभाषाएं

    1. प्रीपेड इंस्ट्रूमेंट ("पीपीआई"):आपकी आयु 18 वर्ष से अधिक है, नाबालिग के मामले में उपयोगकर्ता को कानूनी अभिभावक द्वारा निर्देशित किया जाना है।
    2. अपने ग्राहक को जानें ("केवाईसी"):ग्राहक की पहचान करने और ग्राहक की पहचान सत्यापित करने के लिए बैंक द्वारा अपनाए गए दिशानिर्देश।
    3. व्यक्तिगत पहचान संख्या ("पिन"):पिन एक संख्यात्मक पासवर्ड है जो पीपीआई जारी करते समय बैंक द्वारा ग्राहक को सौंपे गए किट का हिस्सा होता है।
    4. धारक:ऐसे व्यक्ति/संगठन जो बैंक से पीपीआई प्राप्त करते हैं/खरीदते हैं और ऐसे उपकरणों पर संग्रहीत मूल्य के विरुद्ध वित्तीय सेवाओं, प्रेषण सुविधाओं आदि सहित वस्तुओं और सेवाओं की खरीद के लिए इसका उपयोग करते हैं।

  2. प्रीपेड ग्राहक का दायित्व जो बैंक से प्रीपेड इंस्ट्रूमेंट खरीदता है

    1. प्रीपेड इंस्ट्रूमेंट (पीपीआई) ग्राहक को "अपने ग्राहक को जानें" दिशानिर्देशों का अनुपालन करने वाले बैंक के विवेकाधिकार पर जारी किया जाएगा।
    2. बैंक/पार्टनर वेबसाइट पर प्रदर्शित शुल्क की अनुसूची के अनुसार और हमारी वेबसाइटwww.yesbank.inपर "नियम और शर्तों" के हिस्से के रूप में उपलब्ध शुल्क की अनुसूची के अनुसार प्रीपेड लिखत जारी करने / उपयोग करने के लिए बैंक शुल्क लगाएगा।
    3. पीपीआई (कार्ड/वॉलेट) के संचालन के लिए बैंक ग्राहक को एक पिन जारी करेगा। पिन के दुरुपयोग को रोकने के लिए ग्राहक को उचित सावधानी बरतनी चाहिए। ग्राहक उचित देखभाल और एहतियात के अभाव में किसी भी दुरुपयोग के परिणामस्वरूप पिन के प्रकटीकरण और/या पीपीआई के अनधिकृत उपयोग से प्रत्यक्ष या अप्रत्यक्ष रूप से उत्पन्न होने वाले किसी भी परिणाम के लिए पूरी तरह से जिम्मेदार होगा। ग्राहक प्रीपेड इंस्ट्रूमेंट के किसी भी अनधिकृत उपयोग के लिए और इस तरह के दुरुपयोग के परिणामस्वरूप प्रत्यक्ष या अप्रत्यक्ष रूप से हुए किसी भी नुकसान या क्षति के लिए बैंक की देयता को अस्वीकार करता है।
    4. प्रीपेड लिखत की सुरक्षित अभिरक्षा के लिए ग्राहक जिम्मेदार होगा। प्रीपेड इंस्ट्रुमेंट के खो जाने या चोरी हो जाने या इंस्ट्रुमेंट के दुरुपयोग के मामले में, ग्राहक तुरंत बैंक की किसी भी शाखा/ग्राहक सेवा को सूचित करेगा। जब तक ग्राहक बैंक को अनधिकृत लेनदेन की रिपोर्ट नहीं करता, तब तक ग्राहक सभी अनधिकृत लेनदेन के लिए जिम्मेदार और उत्तरदायी होगा। लिखित में अनुरोध करने पर और शुल्कों की अनुसूची के अनुसार लागू शुल्क के भुगतान पर, खोए हुए/चोरी हुए प्रीपेड लिखत के एवज में ग्राहक को एक नया लिखत जारी किया जाएगा।
    5. पीपीआई का उपयोग किसी भी येस बैंक के एटीएम या नेटवर्क एटीएम में पीपीआई के प्रकार और विशेषताओं के आधार पर अनुमत लेनदेन के लिए किया जा सकता है। पीपीआई के उपयोग के दौरान एटीएम द्वारा निकाली गई चार्ज स्लिप को लेनदेन के साक्ष्य के रूप में नहीं माना जाएगा। बैंक द्वारा रखे गए लेनदेन के रिकॉर्ड सभी उद्देश्यों के लिए निर्णायक और बाध्यकारी होंगे।
    6. बैंक किसी भी समय प्रीपेड लिखत में बकाया राशि पर कोई ब्याज नहीं देगा।
    7. पीपीआई की वैधता अवधि समाप्त होने से 45 दिन पहले, बैंक पंजीकृत मोबाइल नंबर पर एक एसएमएस के माध्यम से ग्राहक को सूचित करेगा। ग्राहक को लिखत की समाप्ति से पहले शेष राशि का उपयोग करने की आवश्यकता है। यदि ग्राहक वैधता अवधि के भीतर शेष राशि का उपयोग नहीं करता है, तो ग्राहक बकाया राशि की वापसी/हस्तांतरण के लिए बैंक से संपर्क कर सकता है। यदि ग्राहक नियामक द्वारा निर्धारित निर्दिष्ट अवधि के भीतर बैंक से संपर्क नहीं करता है, तो बकाया राशि को नियामक दिशानिर्देशों के अनुपालन में एक फंड में स्थानांतरित कर दिया जाएगा।
    8. ग्राहक द्वारा किए गए मुआवजे के किसी भी दावे का पूरी तरह से बैंक की मुआवजा नीति के प्रावधानों के अनुसार निपटारा किया जाएगा।
    9. सभी कार्ड धारकों को येस बैंक की ग्राहक देयता नीति के अंतर्गत कवर किया जाएगा। ग्राहक देयता नीति के बारे में अधिक जानकारी के लिए कृपया बैंक की वेबसाइट -www.yesbank.inदेखें

  3. उत्पाद सुविधा

    1. वर्तमान में प्रीपेड कार्ड पर कैश एट पीओएस सुविधा नहीं है।

  4. गोपनीयता

    ग्राहक इस "नियम और शर्तों" के तहत दायित्वों ("गोपनीय जानकारी") के प्रदर्शन के दौरान सभी सूचनाओं को पूरी तरह से गोपनीय रखेगा, जिसमें वह भी शामिल है, लेकिन उस तक सीमित नहीं है, जिसे दूसरे द्वारा प्रकट या गोपनीय रखा जा सकता है। . ग्राहक येस बैंक के पूर्वानुमोदन के बिना किसी तीसरे पक्ष को गोपनीय जानकारी का खुलासा नहीं करेगा। यह खंड येस बैंक द्वारा जारी पीपीआई की समाप्ति के बाद भी बना रहेगा। जानकारी को गोपनीय जानकारी के रूप में नहीं माना जा सकता है:

    1. पहले से ही सार्वजनिक डोमेन में
    2. ग्राहक द्वारा किसी भी कानून, नियमों या विनियमों के तहत या किसी न्यायालय, प्राधिकरण, ट्रिब्यूनल या फोरम के आदेश या निर्देश के अनुसार खुलासा किया जाना आवश्यक है।

  5. जानकारी में बदलाव

    ग्राहक येस बैंक/पार्टनर को ग्राहक के डाक पते में किसी भी बदलाव के बारे में भी सूचित करेगा। इसके अलावा, ग्राहक येस बैंक को नाम, टेलीफोन नंबर या मोबाइल नंबर जैसे विवरण में किसी भी बदलाव के बारे में भी सूचित करेगा।ग्राहक इस बात से सहमत है कि पते या विवरण में किसी भी परिवर्तन के बारे में ऐसे परिवर्तन के 30 दिनों के भीतर तुरंत यस बैंक को सूचित करेगा।

  6. असाइनमेंट के खिलाफ निषेध

    इन ''नियमों और शर्तों''' के तहत कार्यों, अधिकारों या दायित्वों को ग्राहक द्वारा येस बैंक की पूर्व लिखित सहमति के बिना किसी भी पार्टी या व्यक्ति को सौंपा या सौंपा नहीं जाएगा। कोई भी कथित असाइनमेंट या प्रतिनिधिमंडल इस 'नियम और शर्तों' के तहत शर्तों का उल्लंघन है और शून्य और शून्य होगा।

  7. पीपीआई का निलंबन या समाप्ति या रद्द करना या बंद करना

    येस बैंक, यदि वह संतुष्ट है कि ऐसा करना आवश्यक है, किसी भी समय और ऐसी शर्तों पर, जैसा वह उचित समझे, निम्नलिखित परिस्थितियों में पीपीआई को निलंबित या अस्वीकार या समाप्त कर सकता है:

    1. ग्राहक को दिवालिया घोषित किए जाने की स्थिति में या ग्राहक की मृत्यु के बारे में येस बैंक को कोई नोटिस/सूचना प्राप्त होने की स्थिति में
    2. ग्राहक द्वारा इन "नियमों और शर्तों" के तहत किसी भी नियम, शर्तों, शर्तों या उसके दायित्वों का उल्लंघन करने की स्थिति में
    3. किसी भी नियामक प्राधिकरण या भारत में एक न्यायालय या किसी भी जांच एजेंसी द्वारा जारी आदेश द्वारा ग्राहक पर लगाए गए किसी भी प्रतिबंध की स्थिति में।

  8. हानि से सुरक्षा

    ग्राहक येस बैंक, उसके निदेशकों, अधिकारियों, कर्मचारियों और एजेंटों को किसी भी लागत, व्यय, शुल्क से और उसके विरुद्ध क्षतिपूर्ति करेगा, जो येस बैंक को वहन करने के लिए आवश्यक है या ऐसे किसी भी दावे, मुकदमे, मांग का बचाव करने के लिए किया है। प्रीपेड इंस्ट्रूमेंट के धारक के रूप में ग्राहक की ओर से चूक या कमीशन, धोखाधड़ी, लापरवाही या चूक के किसी भी कार्य के कारण अभियोजन, कार्यवाही।

  9. अप्रत्याशित घटना

    इसमें निहित किसी भी बात के होते हुए भी, येस बैंक ग्राहक के नियंत्रण से बाहर के कारणों जैसे ज्वार, तूफान, चक्रवात, बाढ़, बिजली, भूकंप, आग, विस्फोट, विस्फोट या भगवान का कोई अन्य कार्य, युद्ध, विद्रोह, क्रांति, विद्रोह, प्रतिबंध या मंजूरी, नाकाबंदी, दंगा, नागरिक हंगामा, श्रमिक कार्रवाई या हड़ताल, तालाबंदी या बहिष्कार सहित अशांति, किसी भी उपयोगिता सेवा में रुकावट या विफलता, दुश्मन कार्रवाई, आपराधिक साजिश, आतंकवाद या बर्बरता का कार्य, तोड़फोड़, हैकिंग, अप्रत्याशित तकनीकी या प्राकृतिक हस्तक्षेप या घुसपैठ, उपग्रहों को नुकसान या क्षति, उपग्रह लिंकेज या किसी अन्य डेटा संचार लिंकेज की हानि, कनेक्टिविटी की हानि या कोई अन्य अनूठा बल या मजबूरी।

  10. नोटिस की सेवा

    इस "नियम और शर्तों" के तहत दिए जाने के लिए आवश्यक कोई भी नोटिस या संचार बाध्यकारी नहीं होगा जब तक कि वह लिखित रूप में न हो और पावती के खिलाफ या येस बैंक लिमिटेड के पंजीकृत कार्यालय के पते पर पंजीकृत डाक द्वारा हाथ से वितरित किया गया हो। (यदि नोटिस येस बैंक को दिया जाना है) और ग्राहक को नोटिस दिए जाने की स्थिति में येस बैंक के साथ दर्ज पते पर।

  11. कस्टमर केयर विवरण

    किसी भी प्रश्न के मामले में, कृपया टोलफ्री नंबर 18001035485 पर कॉल करें। विवरण वेबसाइट -www.yesbank.inपर भी पाया जा सकता है।

  12. शिकायत निवारण

    किसी भी शिकायत, विवाद, शिकायत को बैंक की शिकायत निवारण नीति के अनुसार येस बैंक को संबोधित किया जाएगा।

    1. यदि प्रदान किया गया समाधान उपयोगकर्ता की अपेक्षाओं को पूरा नहीं करता है, तो उपयोगकर्ता शिकायत निवारण अधिकारी से [email protected]पर संपर्क कर सकता है। यदि शिकायत निवारण अधिकारी द्वारा प्रदान किया गया समाधान संतोषजनक नहीं है, तो उपयोगकर्ता प्रधान नोडल अधिकारी से [email protected] पर संपर्क कर सकते हैं।
    2. उपयोगकर्ता को एतद्द्वारा सूचित किया जाता है कि येस बैंक भारतीय रिज़र्व बैंक की बैंकिंग लोकपाल योजना, 2006 के अंतर्गत आता है। इस योजना के तहत, बैंक के खिलाफ किसी भी शिकायत, अगर 30 दिनों के भीतर संबोधित नहीं किया जाता है, तो संबंधित शहर के बैंकिंग लोकपाल को संबोधित किया जा सकता है। लोकपाल के संपर्क विवरण के लिए कृपया नीचे दिए गए लिंक का अनुसरण करें: https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164

  13. शासी भाषा

    सभी विलेख, दस्तावेज और लेखन जो निष्पादित किए जा सकते हैं और सभी पत्राचार जो ग्राहक और येस बैंक के बीच इस 'नियम और शर्तों' की विषय वस्तु के संबंध में आदान-प्रदान किए जा सकते हैं, अंग्रेजी भाषा में होंगे, जो कि शासी होगा यहां ग्राहक और येस बैंक के बीच भाषा।

  14. कानून और अधिकार क्षेत्र गवर्निंग

    ग्राहक द्वारा प्रीपेड इंस्ट्रूमेंट का उपयोग भारत में लागू कानूनों द्वारा सभी तरह से नियंत्रित किया जाएगा। ग्राहक मुंबई में न्यायालयों के अनन्य क्षेत्राधिकार में प्रस्तुत करने के लिए सहमत है। ये "नियम और शर्तें" सरकारी अधिसूचनाओं, येस बैंक द्वारा जारी किसी भी नियम, विनियम, दिशा-निर्देशों और परिपत्रों/नोटिसों और नियमों, विनियमों, उप-कानूनों, परिचालन निर्देशों और नियामक द्वारा जारी परिपत्रों/ विज्ञप्तियों/नोटिस के अधीन होंगे।

  15. "नियम और शर्तें" में बदलाव

    येस बैंक किसी भी समय "नियम और शर्तों" में संशोधन करने, हटाने, संशोधित करने, बदलने या पूरक करने का अधिकार सुरक्षित रखता है और ऐसे परिवर्तनों के लिए सात दिनों की पूर्व सूचना देने का प्रयास करेगा। कृपया नवीनतम और व्यापक लागू "नियम और शर्तों" के लिए येस बैंक की वेबसाइट पर प्रदर्शित "नियम और शर्तें" देखें। यह समझा जाएगा कि ग्राहक ने येस बैंक के साथ व्यवहार करते समय संपूर्ण "नियम और शर्तें" पढ़ और समझ ली हैं। पार्टनर प्रोग्राम की पूरी जानकारी के लिए उल्लिखित लिंक भी देखें https://www.yesbank.in/digital-banking/partner-program-information

    आज को लागू होने वाले मानक शुल्क का मानक संरचना नीचे दिया गया है

    चार्जेज का विवरणस्टैण्डर्ड फीस (अमाउंट) in रु
    एटीएम कॅश विथड्रावल फीसरु.20/-

    *प्लस जीएसटी

Most Important Terms and Conditions involving the use of IDFC FIRST Bank Benefits Card

  1. You agree to be bound by the following terms and conditions and agree that this Benefits Card remains the property of IDFC FIRST Bank Limited (“the Bank”).
  2. The card given to you is non-transferable.
  3. This RuPay prepaid card can be used at online and offline merchants registered as such with RuPay and can be used only after the activation process, set by Bank, is completed.
  4. The card can be used to make transactions up to the available balance only.
  5. The card can only be loaded by your HR team.
  6. The card is valid for a period of up to 5 years and will expire on the last day of the month and the year indicated on the card.
  7. The Bank will send you a SMS 45 days before the card expiry notifying you of the same and you will be required to update your contact details with HR, in case of any change.
  8. The card cannot be used for making direct debit, recurring or regular instalment payments.
  9. You are responsible for all transactions on the card so please ensure the card is not handed over to any third person/party. If you notice any error related to fraudulent card transactions not initiated by you or any other issue, you should immediately notify us at 1860 500 1231(Monday to Saturday 10:00 AM to 07:00 PM) or notify your HR team.
  10. You shall be responsible for compliance with Income Tax Rules. Neither the Bank nor Zaggle shall be responsible for lapses in case of non-compliance with the Income Tax Rules. You can reach out to your HR team for any clarifications on usage of your Benefits Card.
  11. In case of any reversal related issues, you can contact us at 1860 500 1231(Monday to Saturday 10:00 AM to 07:00 PM)
  12. The Bank reserves the right to restrict services on your Benefits Card in case of any breach or reasonable suspect with necessary information sent to you.
  13. Card replacement, at your request, will get processed and may be chargeable as per charges prescribed by your HR team.
  14. Any reversal for failed transactions shall be processed once received from the merchant.
  15. It is advised to keep track of your transactions by checking your transaction history online and raise a dispute immediately in case of any issue.
  16. You can contact our helpdesk at 1860 500 1231(Monday to Saturday 10:00 AM to 07:00 PM)
  17. Your HR will keep you informed of any charges on your Benefits Card.
  18. All fees and charges related to the Benefits Card as prescribed by your HR shall be recovered from the Benefits Card.
  19. For any further queries or unresolved dispute, you can reach out to your HR team via iConnect -> iSupport -> Raise a Request -> HR Functional Issues -> Benefits (Meal/Rewards) Card – Escalations.

Most Important Terms and Conditions involving the use of NSDL Payments Bank Zaggle Prepaid Card (“Zinger Multi-Wallet Card”)

  1. You agree to be bound by the terms and conditions by performing first transaction with the Card or acknowledging receipt of the Card in writing or by signing on the reverse of the Card. The Card remains the property of the NSDL Payments Bank (“Bank”).
  2. This NSDL Payments Bank Zaggle Prepaid Card (“Zinger Multi-Wallet Card”) is given to you by a corporate entity (“Corporate”) and is non-transferable.
  3. The Card is a co-branded RuPay Prepaid Card that can be used after activation for purchasing goods and services at merchant locations and e-commerce merchants in India. The Card shall have restricted usage limited to merchant categories including, but not limited to, food, travel, fuel, expenses, and other specified service-providing merchants accepting RuPay Cards, as permitted by your respective Corporate from time to time.
  4. The Card cannot be used to make transactions that exceed the available balance in the Card. Card cannot be used beyond its limit & load balance.
  5. The Card is a reloadable Card. The reloading of the Card is done based on the instructions received from the Corporate only.
  6. The Card will be valid for a period of up to 5 years. The Card will expire on the last day of the month and the year indicated on the Card. Kindly ensure that your contact details are always updated with us.
  7. You are responsible for ensuring that your Know Your Customer (KYC) documents are updated with NSDL Payments Bank. You can contact us at 022-42022190(Monday to Sunday 10:00 AM to 07:00 PM) or write to [email protected]
  8. The Card cannot be used for making direct debit, recurring, or regular installment payments.
  9. An amount of Rs.21+ 18% GST will be charged for each ATM transaction i.e. for cash withdrawal, Rs. 8+18% GST for balance enquiry and mini statement, etc.
  10. You are responsible for all transactions on the Card. If you notice any error relating to the Card, you should notify us at 022-42022190 (Monday to Sunday 10:00 AM to 07:00 PM) or at [email protected]
  11. You shall be responsible for compliance with Income Tax Rules. Neither Zaggle nor the NSDL Payments Bank shall be responsible for lapses, in case of noncompliance with the Income Tax Rules.
  12. A fuel surcharge of 1.18% or Rs. 11.80 whichever is higher will be charged on all fuel purchases.
  13. Any complaint, dispute, grievance would be addressed to NSDL Payments Bank in accordance with the Bank’s Grievance Redressal policy. In case of any queries or dispute with respect to the transactions on Card, please call the022-42022190 (Monday to Sunday 10:00 AM to 07:00 PM) or write to us at [email protected]
  14. The NSDL Payments Bank and/or Zaggle reserves the right to block/freeze your Card if:
    1. You report that your Card has been lost, stolen or damaged; or
    2. The NSDL Payments Bank and/or Zaggle believe (or reasonably suspects) that the Card has been used (or will be used) contrary to terms and conditions.
  15. The NSDL Payments Bank and /or Zaggle may issue a replacement Card to the Cardholder against such lost, stolen, or damaged Card, upon a request being made by you, in this regard and at our sole discretion. A fee of Rs. 199 plus GST would be applicable.
  16. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card, if the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.
  17. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance on the mobile app or by calling NSDL Payments Bank on 022-42022190 (Monday to Sunday 10:00 AM to 07:00 PM). You can find the "Zaggle" mobile app on both the Android and iOS Play Store under the same name. Simply log in using your registered mobile number.
  18. If you have a query about the Card, you can contact us at 022-42022190 (Monday to Sunday 10:00 AM to 07:00 PM) or write to us at [email protected]
  19. Information will be disclosed to third parties only restricted to regulatory bodies and Government investigation agency about the Card, or transactions made with the Card, as allowed by law, required by law and wherever necessary to operate the Card and process transactions. A full privacy policy can be viewed on the website www.zaggle.inand on www.nsdlbank.com
  20. Notwithstanding anything contained herein above, the user hereby accepts and confirms that as a pre-condition to the use of the Card, the user gives consent to the disclosure by NSDL Payments Bank and/or Zaggle of all or any such:
    1. Information and data relating to the Card / user.
    2. Information or data relating to any of the terms of this agreement; and
    3. Default, committed by the user in discharge of the obligation contained herein; as the Bank and/or Zaggle may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency authorized in this behalf by Reserve Bank of India or any other regulatory authority.
  21. The Bank and/or Zaggle reserves the right to change the terms and conditions and all fees and charges related to the Card at any time at their sole discretion. The same shall be updated on www.zaggle.in/terms-and-conditionsand on www.nsdlbank.com. All fees and charges related to the Card will be recovered by a debit to the Card or through other means as available and applicable.
  22. These are the most important terms and conditions and shall be read in conjunction with the detailed terms and conditions available on our website www.zaggle.in/terms-and-conditions under the NSDL Payments Bank Zaggle Zinger Multi-Wallet Card section.
  23. Terms and Conditions pertaining to your Zinger Multi-Wallet Card (issued under Corporate Program):
  24. By activating and utilizing this Prepaid Card (issued under Corporate Program), you acknowledge and agree to the following terms and conditions:
    1. Authorization and Access: You hereby grant explicit authorization to your employer to access the balance information of your Card, as well as to review all transactions conducted using the Corporate Prepaid Card.
    2. Consent to Transaction Data Sharing: You consent to the disclosure of transaction details, including but not limited to Date & Time, Merchant Category Code (MCC), Amount, Transaction Reference Number, Card Number, Card ID, and Merchant Name, for the purpose of processing approvals in accordance with the Company's Corporate Policy.
    3. Cessation of Funds Loading: Upon the termination, resignation, or cessation of your employment for any reason, no further funds shall be loaded onto your Card.
    4. Settlement of Residual Funds: Any residual funds remaining on your Card upon the cessation of your employment shall be settled by NSDL Payments Bank upon your formal request submitted to [email protected]. Subject to verification by the bank, the residual funds shall be transferred directly to your registered bank account. The standard timeline for this refund process is T+15 business days.
    5. Reclamation of Official Funds: Funds allocated for official purposes, including but not limited to the Petty Cash and Expense Management, may be reclaimed by your employer at any time during the tenure of your employment. You hereby waive any rights or claims to these funds.
  25. These terms and conditions will be governed by and be construed in accordance with the laws of India and as per applicable Reserve Bank of India's Directions on Issuance and Operation of Prepaid Payment Instruments. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai.
  26. You hereby agree to indemnify and keep NSDL Payments Bank and Zaggle indemnified and harmless from and against all actions, claims, demands, proceedings, loses, damages, personal injury, costs, charges, and expenses whatsoever which Bank or Zaggle may at any time incur, sustain, suffer in respect of your use of Card or otherwise. Unless expressly provided herein, NSDL Payments Bank & Zaggle disclaims any liability to you in this regard.

Most Important Terms and Conditions involving the use of Zokudo Zaggle Prepaid Card (“Zinger Multi-Wallet Card”)

  1. You agree to be bound by the terms and conditions by performing first transaction with the Card or acknowledging receipt of the Card in writing or by signing on the reverse of the Card. The Card remains the property of Premium E-business Ventures Pvt Ltd, hereinafter referred to as “Zokudo” (“PPI Issuer”).
  2. This Zokudo Zaggle Prepaid Card (“Zinger Multi-Wallet Card”) is given to you by a corporate entity (“Corporate”) and is non-transferable.
  3. The Card is a co-branded RuPay Prepaid Card that can be used after activation for purchasing goods and services at merchant locations and e-commerce merchants in India. The Card shall have restricted usage limited to merchant categories including, but not limited to, food, travel, fuel, expenses, and other specified service-providing merchants accepting RuPay Cards, as permitted by your respective Corporate from time to time.
  4. The Card cannot be used to make transactions that exceed the available balance in the Card. Card cannot be used beyond its limit & load balance.
  5. The Card is a reloadable Card. The reloading of the Card is done based on the instructions received from the Corporate only.
  6. The Card will be valid for a period of up to 5 years. The Card will expire on the last day of the month and the year indicated on the Card. Kindly ensure that your contact details are always updated with us.
  7. You are responsible for ensuring that your Know Your Customer (KYC) documents are updated with Zokudo. You can contact us at +91 8655000444 (Monday to Sunday 10:00 AM to 07:00 PM) or write to [email protected]
  8. The Card cannot be used for making direct debit, recurring, or regular installment payments.
  9. An amount of Rs.21+ 18% GST will be charged for each ATM transaction i.e. for cash withdrawal, Rs. 8+18% GST for balance enquiry and mini statement, etc.
  10. You are responsible for all transactions on the Card. If you notice any error relating to the Card, you should notify us at +91 8655000444 (Monday to Sunday 10:00 AM to 07:00 PM) or at [email protected]
  11. You shall be responsible for compliance with Income Tax Rules. Neither Zaggle nor the Zokudo shall be responsible for lapses, in case of noncompliance with the Income Tax Rules.
  12. A fuel surcharge of 1.18% or Rs. 11.80 whichever is higher will be charged on all fuel purchases.
  13. Any complaint, dispute, grievance would be addressed to Zokudo in accordance with their Grievance Redressal policy. In case of any queries or dispute with respect to the transactions on Card, please call the +91 8655000444 (Monday to Sunday 10:00 AM to 07:00 PM) or write to us at [email protected]
  14. Zokudo and/or Zaggle reserves the right to block/freeze your Card if:
    1. u report that your Card has been lost, stolen or damaged; or
    2. kudo and/or Zaggle believe (or reasonably suspects) that the Card has been used (or will be used) contrary to terms and conditions.
  15. Zokudo and /or Zaggle may issue a replacement Card to the Cardholder against such lost, stolen, or damaged Card, upon a request being made by you, in this regard and at our sole discretion. A fee of Rs. 199 plus GST would be applicable.
  16. Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card, if the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds.
  17. You are responsible for checking your transaction history online and knowing your available balance. You can check your balance on the mobile app or by calling Zokudo on +91 8655000444 (Monday to Sunday 10:00 AM to 07:00 PM). You can find the "Zaggle" mobile app on both the Android and iOS Play Store under the same name. Simply log in using your registered mobile number.
  18. If you have a query about the Card, you can contact us at +91 8655000444(Monday to Sunday 10:00 AM to 07:00 PM) or write to us at [email protected]
  19. Information will be disclosed to third parties only restricted to regulatory bodies and Government investigation agency about the Card, or transactions made with the Card, as allowed by law, required by law and wherever necessary to operate the Card and process transactions. A full privacy policy can be viewed on the website www.zaggle.inand on www.zokudo.com
  20. Notwithstanding anything contained herein above, the user hereby accepts and confirms that as a pre-condition to the use of the Card, the user gives consent to the disclosure by Zokudo and/or Zaggle of all or any such:
    1. Iformation and data relating to the Card / user.
    2. Information or data relating to any of the terms of this agreement; and.
    3. Default, committed by the user in discharge of the obligation contained herein; as Zokudo and/or Zaggle may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. And any other agency authorized in this behalf by Reserve Bank of India or any other regulatory authority.
  21. Zokudo and/or Zaggle reserves the right to change the terms and conditions and all fees and charges related to the Card at any time at their sole discretion. The same shall be updated on www.zaggle.in/terms-and-conditions and on www.zokudo.com All fees and charges related to the Card will be recovered by a debit to the Card or through other means as available and applicable.
  22. These are the most important terms and conditions and shall be read in conjunction with the detailed terms and conditions available on our websitewww.zaggle.in/terms-and-conditionsunder the Zokudo Zinger Multi-Wallet Card section.
  23. Terms and Conditions pertaining to your Zinger Multi-Wallet Card (issued under Corporate Program):
  24. By activating and utilizing this Prepaid Card (issued under Corporate Program), you acknowledge and agree to the following terms and conditions:
    1. Authorization and Access: You hereby grant explicit authorization to your employer to access the balance information of your Card, as well as to review all transactions conducted using the Corporate Prepaid Card.
    2. Consent to Transaction Data Sharing: You consent to the disclosure of transaction details, including but not limited to Date & Time, Merchant Category Code (MCC), Amount, Transaction Reference Number, Card Number, Card ID, and Merchant Name, for the purpose of processing approvals in accordance with the Company's Corporate Policy.
    3. Cessation of Funds Loading: Upon the termination, resignation, or cessation of your employment for any reason, no further funds shall be loaded onto your Card.
    4. Settlement of Residual Funds: Any residual funds remaining on your Card upon the cessation of your employment shall be settled by Zokudo upon your formal request submitted to [email protected] Subject to verification by the Zokudo team, the residual funds shall be transferred directly to your registered bank account. The standard timeline for this refund process is T+15 business days.
    5. Reclamation of Official Funds: Funds allocated for official purposes, including but not limited to the Petty Cash and Expense Management, may be reclaimed by your employer at any time during the tenure of your employment. You hereby waive any rights or claims to these funds.
  25. These terms and conditions will be governed by and be construed in accordance with the laws of India and as per applicable Reserve Bank of India's Directions on Issuance and Operation of Prepaid Payment Instruments. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai.
  26. You hereby agree to indemnify and keep Zokudo and Zaggle indemnified and harmless from and against all actions, claims, demands, proceedings, loses, damages, personal injury, costs, charges, and expenses whatsoever which Bank or Zaggle may at any time incur, sustain, suffer in respect of your use of Card or otherwise. Unless expressly provided herein, Zokudo & Zaggle disclaims any liability to you in this regard.