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Terms & Condition

Terms & Conditions for Fintech Services – Goyal Enterprises

Effective Date: 01-012025
Website: www.goyalpaisa.in
Business Name: Goyal Enterprises
Registered Address:

Satya Vihar Colony, Khaikhedi Road, Purkazi, Muzaffarnagar, Uttar Pradesh, 251327

Support Email: Shubham@goyalpaisa.in

1. Acceptance of Terms

By using the Goyal Enterprises platform (website, mobile app, or POS system), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please discontinue the use of our services immediately.

2. Services Offered

Goyal Enterprises provides the following financial services via its network under a B2B model:

  • Mobile & DTH Recharge

  • Utility Bill Payments

  • AEPS (Aadhaar-enabled Payment System)

  • Micro ATM & Cash Withdrawal

  • PAN Card Services

  • Insurance & Loan Assistance

  • Money Transfer (DMT)

3. Refund & Transaction Policy

  • All transactions are final. No refund or exchange will be permitted once a recharge or payment is processed.

  • You are solely responsible for entering the correct mobile number, DTH ID, account number, or UPI ID.

  • If a transaction fails but money is debited, and service is not delivered within 24 hours, contact us via email at [insert support email] with transaction details. Upon validation, a refund will be processed within 7 working days.

4. User Eligibility

Our services are available only to individuals aged 18 years or above who are legally capable of entering into binding contracts under Indian Law.

5. User Responsibilities

  • Maintain confidentiality of your login credentials.

  • Report unauthorized activity on your account immediately.

  • Use services only for lawful purposes; any misuse or fraud may result in termination of your access.

6. Service Availability

We aim to offer uninterrupted services, but availability may be affected by factors beyond our control (e.g., server downtime, operator issues). Goyal Enterprises will not be held responsible for any service disruption.

7. Intellectual Property

All logos, trademarks, service content, software, and designs are the exclusive property of Goyal Enterprises. You may not copy, reproduce, or misuse any content without written permission.

8. Privacy & Data Usage

By using our services, you consent to our Privacy Policy. We may send transactional messages (SMS/email) related to your usage, even if your number is registered under DND.

9. Limitation of Liability

Goyal Enterprises shall not be liable for:

  • Any errors due to incorrect input by users.

  • Delays or failures caused by third-party service providers.

  • Any indirect, incidental, or consequential damages arising from your use of the services.

10. Termination

We reserve the right to suspend or terminate your access without notice for violating any terms, misuse, or fraud.

11. Dispute Resolution

All disputes shall be governed by Indian law and subject to the exclusive jurisdiction of Muzaffarnagar Courts, Uttar Pradesh. Any disputes not settled amicably will be resolved through arbitration under the Arbitration and Conciliation Act, 1996.

12. Changes to Terms

Goyal Enterprises reserves the right to modify these terms at any time without prior notice. Updated terms will be posted on our website.

13. General Terms & Conditions

13.1 Compliance

By using any service provided by Goyal Enterprises (Goyal Paisa), you agree to follow all applicable Indian laws, RBI guidelines, UIDAI regulations (for Aadhaar services), and NPCI rules.

13.2 Service Access

Access to fintech services may be suspended temporarily or permanently if:

  • Incorrect details are submitted repeatedly.

  • Fraudulent or suspicious activities are detected.

  • The account holder misuses services or breaches these terms.

13.3 Charges & Commission

  • Charges for services (e.g., PAN, DMT, AEPS) may vary based on the service provider or transaction type.

  • Goyal Enterprises reserves the right to modify commission structures without prior notice.

  • Retailers/agents are not allowed to charge customers more than the prescribed fee.

13.4 Communication

By using our services, you consent to receive transaction alerts, updates, or offers via SMS, email, or WhatsApp. This consent overrides DND registration.

13.5 Governing Law

These terms shall be governed by the laws of India. Any disputes shall be settled in the courts of Muzaffarnagar, Uttar Pradesh.

14. AEPS (Aadhaar Enabled Payment System)

14.1 Overview

Goyal Enterprises provides AEPS services that allow customers to withdraw cash, check balances, or perform mini statements using their Aadhaar number and biometric authentication (fingerprint/face). These services are offered in collaboration with authorized banking partners.

14.2 AEPS Usage Conditions

  • Users must provide valid Aadhaar number linked to their bank account.

  • Biometric authentication (fingerprint or face) is mandatory for AEPS transactions.

  • Customers are responsible for ensuring the accuracy of Aadhaar and bank account details.

  • Transactions once completed cannot be reversed or refunded unless due to technical failure.

14.3 Failed Transactions & Dispute Resolution

  • If an AEPS transaction fails after debit from the user’s bank account, the refund is governed by NPCI/bank guidelines.

  • In case of failed transactions or disputes, users must raise a complaint within 72 hours of the transaction with all necessary details (Transaction ID, Aadhaar number (last 4 digits), date, and amount).

  • Refunds, if approved by the bank, will be credited within 5–7 working days.

14.4 Liability

  • Goyal Enterprises is a facilitator and not the final payment handler.

  • We are not responsible for delays or errors caused by banks, NPCI, or biometric mismatch.

  • Goyal Enterprises reserves the right to block AEPS access if any misuse, fraud, or suspicious activity is detected.

    15. Domestic Money Transfer (DMT)

    15.1 Overview

    Goyal Enterprises enables Domestic Money Transfer services that allow customers to send money to any bank account in India using cash or digital payment methods.

    15.2 Usage Conditions

    • DMT is available only for transfers within India using IMPS or NEFT.

    • Customers must provide correct beneficiary details (Bank, Account Number, IFSC Code).

    • Once a transaction is processed successfully, it cannot be reversed.

    15.3 Failed Transactions & Refunds

    • In the event of a failed transaction (but amount debited), refunds are processed within 5–7 working days, subject to bank confirmation.

    • Users must raise refund requests within 72 hours of the transaction, along with valid proof (Transaction ID, customer mobile number, date/time).

    15.4 Limitation of Liability

    • Goyal Enterprises is not liable for funds sent to the wrong beneficiary due to incorrect data input by the user.

    • Any dispute regarding credit in the beneficiary account should be taken up with the beneficiary's bank.

    16. Recharge & Bill Payment

    16.1 Overview

    We offer prepaid/postpaid mobile, DTH, and utility bill payments through our platform.

    16.2 Terms of Use

    • The user is responsible for entering the correct mobile/DTH number or utility account ID.

    • Goyal Enterprises is not liable for failed or wrong recharges due to incorrect inputs by the user.

    • Recharge values are non-refundable once successfully processed.

    16.3 Refund Policy

    • If a recharge fails and money is deducted, a refund will be initiated within 5–7 working days after verification.

    17. PAN Card Services

    17.1 Overview

    Goyal Enterprises provides PAN card application and update services through authorized service providers (e.g., NSDL or UTI).

    17.2 Terms & Guidelines

    • Customer must ensure all documents and data submitted for PAN are valid and correct.

    • Once the application is submitted, it cannot be edited or canceled.

    • Charges for PAN services are non-refundable once the application is processed.

    17.3 Delivery Timeline

    • PAN card issuance and delivery is managed by government agencies and usually takes 15–20 working days. We are not responsible for delays caused by NSDL/UTI.

    18. Face Authentication AEPS

    18.1 Overview

    Face AEPS allows users to perform Aadhaar-based transactions using face biometric verification, without a fingerprint device.

    18.2 Conditions

    • Face Auth AEPS requires camera permission and proper lighting for accurate authentication.

    • The Aadhaar number must be linked with a bank account and must support face authentication.

    • The service is offered only for banks that are integrated with NPCI Face Auth system.

    18.3 Limitations

    • Face Auth may fail due to poor lighting, network issues, or biometric mismatch.

    • Refunds for failed transactions are processed according to standard AEPS refund timelines.

    18.4 Legal Use

    • Any misuse of Face AEPS, including impersonation or fake Aadhaar usage, is a criminal offense and may lead to immediate account suspension and legal action.