These Terms and Conditions ("Agreement") constitute a legally binding agreement between you (“User”, “Customer”) and COMFORTIFY ENTERPRISES ("COMFORTIFY ENTERPRISES", “We”, “Our”, “Us”) regarding the use of our digital services including Mobile Recharge, Utility Bill Payments, AEPS (Aadhaar Enabled Payment System), M-ATM (Micro ATM), and Insurance Facilitation Services.
By registering with or using our services in any capacity, you agree to be bound by the terms listed below.
1. Definitions
Mobile Recharge: Digital top-up of prepaid mobile numbers or payment of postpaid bills.
Utility Bill Payments: Digital payment for services like electricity, water, gas, DTH, broadband, etc.
AEPS: Banking services facilitated using Aadhaar-based biometric authentication.
M-ATM: Micro ATM-based banking service offering cash withdrawal, balance inquiry, etc.
Insurance Services: Facilitation of insurance purchase via partner insurance companies.
2. General Terms
Services are provided subject to availability, system uptime, and third-party service providers’ performance.
The user agrees to provide true, accurate, current, and complete information at all stages.
Use of services must comply with applicable local, state, and national laws.
3. Mobile Recharge & Utility Bill Payments
Once a recharge or utility bill payment is processed, it is non-refundable and non-reversible.
Transactions are processed via third-party telecom and utility providers, and we do not control their speed or reliability.
We are not liable for failed or incorrect transactions caused due to:
- Incorrect mobile number or consumer ID entered by the user.
- Downtime or delay at the provider’s end.
- Insufficient balance in the user's wallet or account.
4. AEPS (Aadhaar Enabled Payment System)
AEPS allows banking transactions like balance inquiry, cash withdrawal, and mini-statement using Aadhaar number and biometric authentication.
Users must authorize transactions using biometric validation (fingerprint or iris).
The user is solely responsible for the security and confidentiality of their Aadhaar number and consent for authentication.
All AEPS transactions are final once authorized and cannot be reversed.
COMFORTIFY ENTERPRISES shall not be held liable for:
- Transaction failure due to biometric mismatch or Aadhaar database errors.
- Fund reversal delays by banks.
- Incorrect Aadhaar linking or inactive bank accounts.
5. M-ATM (Micro ATM) Services
M-ATM enables physical cash withdrawal and balance check using a debit card or Aadhaar via PoS/mPOS devices.
All transactions are authenticated via PIN or biometric and processed through the bank’s secure gateway.
User must ensure their bank account is active and has sufficient balance.
COMFORTIFY ENTERPRISES is not responsible for:
- Cash not received due to hardware/device failure.
- Service outages or downtime in banking networks.
- Transactions declined by the bank.
6. Insurance Services
Insurance products are offered as a facilitator or agent for registered insurance companies.
COMFORTIFY ENTERPRISES is not an underwriter of insurance policies and does not make decisions regarding claims, coverage, or policy approval.
Customers are responsible for:
- Reading and understanding policy terms and conditions before purchase.
- Providing accurate personal and health-related information.
COMFORTIFY ENTERPRISES will not be liable for:
- Rejected claims due to incorrect disclosures.
- Any discrepancy between expected and actual policy benefits.
- Delays or issues arising directly from insurance partners.
7. Service Charges & Fees
Some services may include a nominal processing or convenience fee, which will be clearly communicated before confirmation.
COMFORTIFY ENTERPRISES reserves the right to revise charges at any time without prior notice.
No claim shall be entertained for fee refunds once a service is successfully rendered.
8. Refunds and Reversals
Refunds are only applicable for failed transactions where the amount has been debited but service not delivered.
Refunds, if any, will be processed back to the original mode of payment within a stipulated timeframe (usually 7-10 working days).
Refund claims must be supported with valid transaction reference numbers and user ID.
9. User Obligations
The user must maintain the confidentiality of account credentials and PINs.
Any misuse of the service, suspicious activity, or fraud will lead to immediate suspension of services.
Users shall not use the platform for illegal transactions or money laundering purposes.
10. Limitation of Liability
COMFORTIFY ENTERPRISES shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of:
- Service interruption.
- Unauthorized access to user data.
- Delays or errors caused by telecom operators, utility companies, banks, or insurance partners.
In no event shall COMFORTIFY ENTERPRISES’s liability exceed the value of the transaction in dispute.
11. Data Privacy
All personal and transactional data is handled in compliance with data protection laws.
We do not sell or share customer data with third parties except as required to provide the services or by law.
Biometric and Aadhaar details used for AEPS are encrypted and securely transmitted as per NPCI guidelines.
12. Governing Law & Jurisdiction
These Terms shall be governed by the laws of India.
All disputes shall be subject to the exclusive jurisdiction of the courts located in Aurangabad, Bihar,.
13. Amendments
COMFORTIFY ENTERPRISES reserves the right to amend, update or change these Terms at any time without prior notice.
It is the responsibility of the user to review the Terms periodically.
14. Customer Support
For queries, complaints, or escalations, please contact:
- Email: connect@cashkavach.com
- Support Hours: 10:00 AM to 6:00 PM (Mon–Sat)