Terms & Conditions

By accessing or using the ZORAVA TECHNOLOGIES (OPC) PVT LTD website, mobile application, retailer panel or API (together called the "Platform"), you agree to follow these Terms & Conditions. If you do not agree with any part of these terms, please do not use the Platform. We may update these terms from time to time, and continuing to use the Platform means you accept the updated terms.

ZORAVA TECHNOLOGIES (OPC) PVT LTD provides the following digital services:

• Prepaid & postpaid mobile recharge (Airtel, Jio, Vi, BSNL)
• DTH recharge (Tata Play, Airtel Digital TV and others)
• BBPS bill payments: electricity, water, gas and more
• Recharge API services for businesses and developers

We act as an intermediary between you and the operator or biller. Plans, tariffs, validity and benefits are decided by the respective operator, and ZORAVA TECHNOLOGIES (OPC) PVT LTD is not responsible for changes made by them.

• You must be at least 18 years old and an Indian resident to register.
• You must provide correct and complete KYC details (name, mobile, PAN, Aadhaar, address etc.).
• You are responsible for keeping your login ID, password and OTP confidential.
• Any transaction made using your account will be treated as done by you.
• Inform us immediately if you suspect any unauthorised use of your account.

• Wallet balance can only be used for services available on the Platform.
• Wallet balance does not earn interest and cannot be transferred to another user unless allowed by us.
• Fund load requests are credited only after the payment is verified.
• Commissions and service charges are as shown in your panel and may be revised with notice.
• Applicable taxes (including GST) will be charged as per government rules.

• Please check the mobile number, DTH ID, consumer number and amount carefully before confirming.
• A recharge done to a wrong number or ID due to user error cannot be reversed.
• Some transactions may stay in "Pending" status because of operator delay. Final status will be updated once confirmed by the operator.
• Failed transactions will be refunded to your wallet as per our Refund Policy.
• Complaints must be raised within 7 days of the transaction date.

• API access is given only to verified business users.
• You must keep your API token secure and use only whitelisted IP addresses.
• You are fully responsible for all transactions made through your API credentials.
• Reselling or sharing API access without written permission is not allowed.
• We may suspend API access in case of misuse or unusual activity.

You agree not to use the Platform for:

• Fraud, money laundering or any illegal activity
• Using stolen cards, bank accounts or someone else's identity
• Hacking, reverse engineering or disrupting the Platform
• Providing false information or fake KYC documents

Any such activity may lead to account blocking, freezing of wallet balance and legal action as per law.

ZORAVA TECHNOLOGIES (OPC) PVT LTD will not be liable for any indirect or consequential loss caused by operator downtime, network failure, bank delays, wrong details entered by the user, or events beyond our control. Our total liability for any transaction will not be more than the amount of that transaction.

We may suspend or close your account at any time if you break these terms or if required by law. You may also close your account by contacting support. Any valid remaining wallet balance will be settled after verification and deduction of pending dues.

These terms are governed by the laws of India. Any dispute will be subject to the jurisdiction of the courts at the city where ZORAVA TECHNOLOGIES (OPC) PVT LTD is registered.