Terms and Conditions

Welcome to Trikshana Tech! Before using any of our financial services, please take some time to review our terms and conditions below.

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Use of the Trikshana Tech Private Limited Platform/Services

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the TFINN website located at https://www.TFINN.in or the TFINN mobile application or any similar platform (hereinafter collectively, the TFINN Platform run by Trikshana Tech Private Limited, having its registered office 6, B.D.A Colony, Ishwar Nagar, E/8 Shahpura, Bhopal (M.P) - 462039 (hereinafter collectively, Trikshana Tech or TFINN) on any device and/or before availing any services offered by TFINN on the TFINN Platform which may include services such as recharge or bill payment or any other service that may be offered by TFINN on the TFINN Platform (hereinafter individually, and collectively, the TFINN Services). For the avoidance of doubt, it is clarified that these terms and conditions shall apply to all TFINN Services, whether offered by Trikshana Tech or its affiliates.

Acceptance

By registering on, accessing, browsing, downloading or using the TFINN Platform for any general purpose or for the specific purpose of availing any TFINN Service, You agree to be bound by the single-sign-on ID (hereinafter SSOID) terms and conditions set forth below as well as by the service-specific terms and conditions applicable to each TFINN Service (hereinafter collectively, the T&Cs). These T&Cs shall also include any additional or modified terms and conditions in relation to the SSOID or any additional or modified service-specific terms and conditions in relation to any TFINN Service or any future service that may be offered by TFINN on the TFINN Platform. By registering on, accessing, browsing, downloading or using (as applicable) the TFINN Platform or availing any TFINN Service or the SSOID, You automatically and immediately agree to all the T&Cs. If at any time You do not accept or agree with any of the T&Cs or do not wish to be bound by the T&Cs, You may not access, browse or use the TFINN Platform and immediately terminate Your availing the TFINN Services. Accepting or agreeing to the T&Cs will constitute a legal contract (hereinafter Agreement) between You, being at least 18 years of age and an individual user of the TFINN Platform or a customer or beneficiary of the TFINN Services, and TFINN. All services are rendered by TFINN through the TFINN Platform under the brand name “TFINN” (or any derivatives or variations thereof). Consequently, all the rights, benefits, liabilities and obligations under the T&Cs shall, as the case may be, accrue to the benefit of, or incurred by, TFINN, regarding Your use of TFINN's digital services (which includes but may not be limited to prepaid recharge, bill payment, booking movie tickets, bus tickets, hotel rooms or flight tickets) or any such other services which may be added on the TFINN Platform and which will henceforth be a TFINN Service, from time to time. The TFINN Services shall be used by You subject to Your adherence with the T&Cs. As long as You accept and comply with these T&Cs, TFINN grants You a personal, non-exclusive, non-transferable, limited, revocable privilege to enter and use the TFINN Platform and/or avail the TFINN Services.

Eligibility

The TFINN Services are not available to persons under the age of 18 or to anyone previously suspended or removed by TFINN from availing the TFINN Services or accessing the TFINN Platform. By accepting the T&Cs or by otherwise using the TFINN Services on the TFINN Platform, You represent that You are at least 18 years of age and have not been previously suspended or removed by TFINN, or disqualified for any other reason, from availing the TFINN Services or using the TFINN Platform. In addition, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, TFINN reserves the right to suspend or permanently prevent You from availing TFINN Services or using the TFINN Platform.

Other Terms and Conditions

Additional terms and conditions may apply in order for You to avail specific TFINN Services and to specific portions or features of the TFINN Platform, including contests, promotions or other similar features, all of which terms are made a part of these T&Cs by this reference. You agree to abide by such other terms and conditions, including where applicable representing that You are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these T&Cs and the terms posted for or applicable to a specific portion of the TFINN Platform or for any TFINN Service offered on or through the TFINN Platform, the latter terms shall control with respect to Your use of that portion of the TFINN Platform or the specific TFINN Service. TFINN may make changes to any TFINN Services offered on the TFINN Platform, or to the applicable terms for any such TFINN Services, at any time, without notice. The materials on the TFINN Platform with respect to the TFINN Services may be out of date, and TFINN makes no commitment to update the materials on the TFINN Platform with respect to such TFINN Services. The following terms also govern and apply to Your use of the TFINN Platform, and they are incorporated herein by this reference: https://www.TFINN.in/privacy-policy.

SSOID Service, Participating Platforms

TFINN’s SSOID service offers You the convenience, after a one-time registration on any TFINN Platform, to sign on (log in) to all web pages and online platforms operated by TFINN or its affiliates (hereinafter the Participating Platforms) with single log-in access / data, without going through a separate registration process every time. After successfully registering for the SSOID Service, the user can log-in via each Participating Platform with his SSOID access credentials. Moreover, if already logged in to one of the Participating Platforms, the user can immediately use all other Participating Platforms without additional log-in procedures (subject to the respective Participating Platform requiring further declarations). The Participating Platforms that offer the SSOID as a login feature, are visible on registration and in the user account. The number of Participating Platforms may also vary in the course of time. With regard to the contractual relationships of the users with the respective Participating Platforms, for the purposes of which TFINN’s SSOID service is or can be used in accordance with these T&Cs, these can alternatively have their own commercial and user terms and conditions. These business or user terms and conditions are available on the respective Participating Platforms. For the respective contents of the Participating Platforms, the respective affiliate of TFINN is solely responsible only for those content that it actually operates. For the SSOID service, these T&Cs apply exclusively, whereas for the use of the Participating Platforms, their business and user terms and conditions apply along with these T&Cs. The SSOID shall be owned and operated by Chippr Deals for use on all Participating Platforms. For the use of TFINN’s SSOID service, the user must register. Registration as a user is only allowed if the user meets the eligibility criteria as set out in these T&Cs. Each user can set up only one user account. The user is obliged to provide correct and complete information during the registration and use of the SSOID service. The login data is intended solely for personal use by the user and therefore always to be kept secret and safe. The user is not entitled to share his login details with third parties to use the SSOID service or to disclose them otherwise. The user is obliged to inform TFINN immediately on becoming aware of and/or suspecting a case of any unauthorized use, disclosure and/or misuse of their access data or of their user account. Furthermore, the user is obliged not to use the user account of another person. Submission of the duly completed registration form by the user simply provides invitation to us to make an offer to enter into the agreement on the use of our SSOID service (hereinafter the SSOID Agreement). Our offer for the conclusion of the SSOID Agreement is then effected by the fact that TFINN sends the user a confirmation by e mail, in which a confirmation link is included next to the user name and the password for the SSOID Service. By the user clicking on this confirmation link, the user accepts TFINN’s offer, so that in this way the SSOID Agreement enters into force. Conclusion of the SSOID Agreement may, also be effected through other communication modes and following such processes which help achieve the same purpose as the aforementioned e-mail confirmation process. TFINN is entitled to reject individual users without giving reasons. The user guarantees that the data submitted for their user account (and any other information that is otherwise left for TFINN) are in all respects complete, true, accurate and not misleading. Any changes to user’s data should be promptly updated correctly in its account.

Communication Policy

By accepting the T&Cs, You accept the following:

TFINN may send alerts to the mobile phone number provided by You while registering with the TFINN Platform for the SSOID service or on any updated mobile number subsequently provided by You on the TFINN Platform, or via e-mail or push notifications. The alerts will be received in case of SMS, only if the mobile phone is in ‘On’ mode to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and in case of push notifications, if the user has enabled the receipt of such notifications. If the mobile phone is in ‘Off’ mode or if the e-mail servers or ids are not functional or if the push-notifications feature has been turned off, then You may not get the alert at all or get delayed messages.
TFINN will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall be deemed that You shall have received the information sent from TFINN as an alert on the mobile phone number or e-mail id provided during the course of, or in relation to, using the TFINN Platform or availing any TFINN Services. TFINN shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold TFINN liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
The SMS/e-mail alert/push notification service provided by TFINN is an additional facility provided for Your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event that You observe any error in the information provided in the alert, TFINN shall be immediately informed about the same by You and TFINN will make best possible efforts to rectify the error as early as possible. You shall not hold TFINN liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.
The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push notification service depend on many factors including the infrastructure and connectivity of the service provider. TFINN shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.
You will indemnify and hold harmless TFINN and the SMS/e-mail service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney’s fees which TFINN or the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any of the following: (i) misuse by You or improper or fraudulent information provided by You; (ii) incorrect number or a number that belongs to an unrelated third party provided by You; and/or (iii) the customer receiving any message relating to the reservation number, travel itinerary information, booking confirmation, modification to a ticket, cancellation of ticket, change in bus schedule, delay, and/or rescheduling from TFINN and/or the SMS/e-mail service provider.

Use of TFINN Platform

You understand that except for information, products or services clearly indicated as being supplied by TFINN, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that TFINN cannot and does not guarantee or warrant that files available for download through the TFINN Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy Your particular requirements of Internet security and for accuracy of data input and output.

Prohibited Conduct

By accessing or using the TFINN Platform or by availing TFINN Services, You agree not to:

violate the T&Cs;
impersonate any person or entity, falsely claim or otherwise misrepresent Your affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signature, misrepresent the source, identity, or content of information transmitted via the TFINN Services, perform any other similar fraudulent activity or otherwise avail TFINN Services with what we reasonably believe to be potentially fraudulent funds;
infringe our or any third party’s intellectual property rights, rights of publicity or privacy;
use the TFINN Services if You are under the age of 18 years without a parental sponsor or, in any event, use the TFINN Services if You are under the age of 13 years old even with a parental sponsor and in accordance with applicable law;
post or transmit any message which is libellous, defamatory or which discloses private or personal matters concerning any person;
post or transmit any message, data, image or program which is pornographic, vulgar or offensive in nature;
refuse to cooperate in an investigation or provide confirmation of Your identity or any other information provide by You to TFINN;
remove, circumvent, disable, damage or otherwise interfere with security-related features of the TFINN Services and the TFINN Platform or features that enforce limitations on the use of the TFINN Services or the TFINN Platform;
reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of as regards TFINN Services or TFINN Platform or any part thereof, except and only to the extent this is expressly permissible by applicable law;
use the TFINN Services or the TFINN Platform in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the TFINN Services or the TFINN Platform in an automated manner;
modify, adapt, translate or create derivative works based upon the TFINN Services and the TFINN Platform or any part thereof, except and only to the extent that that this is permissible by applicable law;
intentionally interfere with or damage operation of the TFINN Services or the TFINN Platform or any other user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features;
use any robot, spider, other automatic device, or manual process to monitor or copy the TFINN Platform without prior written permission;
interfere or disrupt the TFINN Platform or networks connected to the TFINN Platform;
take any action that imposes an unreasonably or disproportionately large load on TFINN’s infrastructure/network;
use any device, software or routine to bypass the TFINN Platform’s robot exclusion headers, or interfere or attempt to interfere, with the TFINN Services;
forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the TFINN Platform or to manipulate Your presence on the TFINN Platform;
sell the TFINN Services, information, or software associated with or derived from it;
use the facilities and capabilities of the TFINN Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others;
breach this Agreement, the SSOID Agreement or any other agreement or policy as may be applicable pursuant to the T&Cs;
provide false, inaccurate or misleading information;
use the TFINN Platform to collect or obtain personal information, including without limitation, financial information, about other users of the TFINN Platform, except and only as expressly provided in the T&Cs;
avail TFINN Services with what TFINN reasonably believes to be potentially fraudulent funds;
use the TFINN Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to TFINN, a third party or You;
use the TFINN Services in a manner that TFINN or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules;
take any action that may cause TFINN to lose any of the TFINN Services from its service providers or lose any of its recharge partners or business partners, including mobile operators or telecom companies, payment processors or other suppliers;
send automated request of any kind to the TFINN Platform without express permission in advance from TFINN.

Termination; Agreement Violations

You agree that TFINN, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate Your account (or any part thereof) or Your use of the TFINN Services/TFINN Platform and remove and discard on the TFINN Platform all or any part of Your account, Your user profile, or Your recipient profile, including Your SSOID, at any time. TFINN may also in its sole discretion and at any time discontinue providing access to the TFINN Services, or any part thereof, with or without notice. You agree that any termination of Your access to the TFINN Services/TFINN Platform or any account You may have or portion thereof may be effected without prior notice, and You agree that TFINN will not be liable to You or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies TFINN may have at law or in equity. Upon termination for any reason, You agree to immediately stop using the TFINN Services/TFINN Platform.

Limitation of Liability and Damages

In no event, TFINN or its contractors, agents, licensors, partners or suppliers will be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the TFINN Services, the TFINN Platform or any reference site/app/platform/service; or (iv) Your use or inability to use the TFINN Services, the TFINN Platform (including any and all materials) or any reference sites/app/platform/service, even if TFINN or a TFINN authorized representative has been advised of the possibility of such damages. In no event, TFINN, directors, employees, agents will be liable to You for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the TFINN Services, the TFINN Platform or any reference site/app/platform/service; or (iv) Your use or inability to use the TFINN services, the TFINN Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with TFINN, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by You, if any, for using the portion of the TFINN Service or the TFINN Platform giving rise to the cause of action, or beyond or in excess Rs. 5,000, whichever is less. You acknowledge and agree that TFINN has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between You and TFINN, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between You and TFINN. TFINN would not be able to provide the services to You on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to You subject to applicable law. In such cases, TFINN’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement.

Indemnification

You agree to indemnify, save, and hold TFINN, its affiliates, employees, officers, directors and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) Your use or misuse of the TFINN Services or of the TFINN Platform; (ii) any violation by You of this Agreement or the SSOID Agreement; or (iii) any breach of the representations, warranties, and covenants made by You herein. TFINN reserves the right, at Your expense, to assume the exclusive defence and control of any matter for which You are required to indemnify TFINN, including rights to settle, and You agree to cooperate with TFINN’s defence and settlement of these claims. TFINN will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

Disclaimer; No Warranties

To the fullest extent permissible pursuant to applicable law, TFINN and its third-party partners disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by You from TFINN or through the TFINN Services or the TFINN Platform will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, You expressly acknowledge that as used in this section, the term “TFINN” includes TFINN’s officers, directors, employees. You acknowledge that TFINN is a reseller of mobile recharges and is not liable for any third party (telecom companies, mobile operators or suppliers) obligations due to rates, quality and all other instances, whether to any such telecom companies’ subscribers or otherwise. You expressly agree that use of the TFINN Services on the TFINN Platform is at Your sole risk. It is Your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. TFINN does not warrant that the TFINN Services will be uninterrupted or error-free or that defects in the site will be corrected. The TFINN Services and the TFINN Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. TFINN, and its partners do not warrant that the data, TFINN software, functions, or any other information offered on or through the TFINN Services/TFINN Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. TFINN and its licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the TFINN Services/TFINN Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that You use, access, download, or otherwise obtain information, materials, or data through the TFINN Services/TFINN Platform or any reference sites/platforms/apps/services at Your own discretion and risk and that You will be solely responsible for any damage to Your property (including Your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement. This paragraph shall survive termination of this Agreement. In no event will TFINN be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the TFINN Platform.

Ownership; Proprietary Rights

The TFINN Services and the TFINN Platform are owned and operated by TFINN. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the TFINN Services and the TFINN Platform provided by TFINN (hereafter Materials) are protected by Indian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between You and TFINN, all Materials, trademarks, service marks, and trade names contained on the TFINN Platform are the property of TFINN. You agree not to remove, obscure, or alter TFINN or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the TFINN Services/TFINN Platform. Except as expressly authorized by TFINN, You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. TFINN reserves all rights not expressly granted in this Agreement. If You have comments regarding the TFINN Services and/or the TFINN Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, You hereby irrevocably assign to TFINN, and shall assign to TFINN, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

Modification of this Agreement

TFINN reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the TFINN Platform or otherwise communicating the notification to You. The changes will become effective, and shall be deemed accepted by You, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to Your use of the TFINN Platform, availing the TFINN Services or for payment transactions initiated after the posting date. If You do not agree with any such change, Your sole and exclusive remedy is to terminate Your use of the TFINN Services/TFINN Platform. For certain changes, TFINN may be required under applicable law to give You advance notice, and TFINN will comply with such requirements.Your continued use of the TFINN Platform following the posting of changes will mean that You accept and agree to the changes.

Notice

TFINN may provide You with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the TFINN Platform or by any other reasonable means. Except as otherwise set forth herein, notice to TFINN must be sent by courier or registered mail to Trikshana Tech Private Limited : 6, B.D.A Colony, Ishwar Nagar, E/8 Shahpura, Bhopal (M.P) - 462039.

Waiver

The failure of TFINN to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by TFINN.

Dispute Resolution

If any dispute, controversy or claim arises under this Agreement or in relation to any TFINN Service or the TFINN Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, TFINN may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be in Bhopal, Madhya Pradesh and the language of this arbitration shall be English. Either You or TFINN may seek any interim or preliminary relief from a court of competent jurisdiction in Bhopal, Madhya pradesh necessary to protect the rights or the property belonging to You or TFINN (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither You nor TFINN may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between You and TFINN. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

Governing Law and Forum for Disputes

Subject to the Dispute Resolution section above, You agree that any claim or dispute You may have against TFINN must be resolved by a court having jurisdiction in Bhopal, Madhya Pradesh, India. You agree to submit to the personal jurisdiction of the courts located within Bhopal, Madhya Pradesh, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

Severability

If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

Survival

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

Headings

The heading references herein are for convenience purposes only and they do not constitute a part of these T&Cs and will not be deemed to limit or affect any of the provisions hereof.

Entire Agreement

This Agreement is the entire agreement between You and TFINN relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by TFINN in accordance with the terms of this Agreement.

Bill Payments and Digital Products Terms & Conditions

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the TFINN website located at http://www.TFINN.in and the TFINN mobile application or any similar platform (hereinafter collectively, the TFINN Platform) run by Trikshana Tech Private Limited, having its registered office at 6, B.D.A Colony, Ishwar nagar, E/8 Shahpur, Bhopal (M.P) - 462039 (hereinafter collectively, Trikshana Tech or TFINN) on any device and/or before availing any travel, recharge or bill payment or digital products related services offered by TFINN on the TFINN Platform (hereinafter, individually TFINN Digital Service and collectively, the TFINN Digital Services).

Eligibility

The TFINN Digital Services are not available to persons under the age of 18 or to anyone previously suspended or removed by TFINN from availing the TFINN Digital Services or accessing the TFINN Platform. By accepting the T&Cs or by otherwise using the TFINN Digital Services on the TFINN Platform, You represent that You are at least 18 years of age and have not been previously suspended or removed by TFINN, or disqualified for any other reason, from availing the TFINN Bill Payment and Digital Goods Services or using the TFINN Platform. In addition, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, TFINN reserves the right to suspend or permanently prevent You from availing TFINN Digital Services or using the TFINN Platform.

Digital Services

TFINN facilitates the payment of certain bills through the TFINN Platform with respect to certain services offered by TFINN business partners who have partnered with TFINN to enable their bills to be paid through the TFINN Platform. Please see the relevant links on the TFINN Platform for more information on TFINN’s bill payment service. Further, TFINN also offers certain digital products which facilitate the purchase of prepaid recharges for mobile, DTH and data card as well as purchase of movie tickets, bus tickets, hotel reservations, flight tickets and purchase of tickets to amusement or theme parks, etc. Other digital products available on the TFINN Platform also include coupon redemption services. The terms and conditions in relation to bill payments and digital products are set out below. The terms and conditions in relation to bill payments and digital products set out below are applicable to and binding on You in conjunction with the SSOID terms and conditions already accepted by You. Each SSOID term or condition is applicable to and binding on You, or any of Your activities on the TFINN Platform, even if such term or condition is not specifically reproduced herein below. The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to bill payments and digital products set out below and the SSOID terms and conditions as well as other service-specific terms and conditions in relation to TFINN Services or TFINN Platform.

TFINN Recharges

TFINN is only a reseller of digital products. TFINN does not provide mobile operator services and is only a reseller of prepaid mobile recharge services which are ultimately provided by telecommunications service providers (hereafter Telco or Telcos) or by other distributors or aggregators of such Telcos. TFINN is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos. Prepaid mobile recharge sold by TFINN to You is sold without recourse against TFINN for any breach of contract by the Telcos. Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the mobile prepaid recharge purchased must be handled directly between You (or the recipient of the recharge) and the Telco. The terms and conditions set out in this section are applicable, mutatis mutandis, to other prepaid recharge products available on the TFINN Platform including prepaid recharges in relation to DTH, data card and other prepaid recharge products that may be offered on the TFINN Platform. TFINN will not be responsible for any failure on the part of any of its recharge partners in effecting a recharge.

Refund Policy

All sales of prepaid recharge on the TFINN Platform are final with no refund or exchange permitted. You are responsible for the mobile number or DTH account number for which You purchase the prepaid recharge and all charges that result from those purchases. You are also responsible for the information relating to data card and all charges that result from those purchases. TFINN is not responsible for any purchase of prepaid recharge for an incorrect mobile number or DTH account number or incorrect data card information. However, if in a transaction performed by You on the TFINN Platform, money has been charged to Your card or bank account and a recharge is not delivered within 24 hours of the completion of the transaction, then You shall inform us by sending an e mail to our customer services e mail address mentioned on the ‘Home’ page on the TFINN Platform. Please include in the e-mail the following details – the mobile number (or DTH account number or data card number), operator name, recharge value, transaction date and order number. TFINN will investigate the incident and, if it is found that money was indeed charged to Your card or bank account without delivery of the recharge, then You will be refunded the money within 21 working days from the date of receipt of Your e mail. All refunds will be credited to the bank account that was used for making the payment. It will take 3-21 working days for the money to show in Your bank account depending on Your bank’s policy.

Return and cancellation policy

Trikshana Tech Private Limited under the trade name of 'TFINN' does not sell any physical goods on its website or mobile application. TFINN is solely a service provider and as such any Return or Cancellation policy is not applicable.

Bill Payments

In order to use the bill payments service or any other TFINN Service, You will need to obtain access to the World Wide Web or the Internet, either on a computer or on any other device that can access web-based content, and You will also need to pay any service fees associated with such access. In addition, You must have all equipment necessary to make such connection to the World Wide Web or the Internet, including a computer and a modem or any other set of access devices. TFINN and/or the TFINN business partner (including TFINN’s bill payment partners) reserve the right to charge and recover from You, such fees for availing the service as the case may be. These charges shall be effective from the time when they are posted on the TFINN Platform or on the TFINN business partner’s channel/portal/website through which You are availing the specific service. You are bound by such revisions and should therefore visit the TFINN Platform or check with the TFINN business partner’s channel/portal/website through which You are availing the specific service in order to review the applicable fees which may vary from time to time. In the event that You stop or seek a reversal of the payment instructions as may have been submitted, TFINN shall be entitled to charge and recover from You and You shall be liable to pay such charges to the bill payment service provider as may be decided by TFINN. These charges shall be charged on to Your designated payment account or in any other manner as may be decided by TFINN. TFINN offers a convenient and secure way to make payments towards identified biller(s) using a valid payment account. Depending upon the TFINN business partner through whom the specific service is availed by You (i) the specific features of the service may differ; (ii) the number of billers available over the service may differ; (iii) the type and range of payment accounts that can be used to issue a payment instructions may differ; (iv) the modes/devices over which the service can be accessed may differ; and (v) the charges, fees for availing the service or any aspect of the service may differ. Specific details related to these aspects would be available with the TFINN business partner on their channel/portal/website over which the service is being availed. From time to time, TFINN, at its sole discretion, can add to or delete from such list of billers or types of payment accounts that can be used in respect of making payments to a biller. The type and range of payment accounts that can be used for making payments may differ for each biller depending on biller specifications. There may be additional fees/charge when using certain types of payment accounts in respect of a biller. The terms upon which a payment can be made to a biller can differ depending on whether a card or a bank account is used to issue the payment instruction. Further, depending on the specific facilities allowed by a TFINN business partner, payments to a biller can be made either (a) by issuing a payment instruction for an online debit/charge to a payment account or (b) by scheduling an automated debit to a payment account. In using the bill payment service, You agree to:

provide true, accurate, current and complete information about Yourself (“Registration Data”), Your payment account details (“Payment Data”), Your biller details (“Biller Data”); and
maintain and promptly update the Registration Data, Payment Data and Biller Data to keep it true, accurate, current and complete at all times. If You provide any information that is untrue, inaccurate, not current or incomplete, or TFINN has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, TFINN has the right to suspend or terminate Your account and refuse any and all current or future use of the TFINN Services/TFINN Platform (or any portion thereof). The term biller includes telecom operators.

TFINN assumes no responsibility and shall incur no liability if it is unable to affect any payment instruction(s) on the payment date owing to any one or more of the following circumstances:

If the payment instruction(s) issued by You is/are incomplete, inaccurate, invalid and delayed;
If the payment account has insufficient funds/limits to cover for the amount as mentioned in the payment instruction(s);
If the funds available in the payment account are under any encumbrance or charge;
If Your bank or the National Clearing Centre refuses or delays honouring the payment instruction(s);
If payment is not processed by biller upon receipt;
Circumstances beyond the control of TFINN (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).

In case the bill payment is not effected for any reason, You will be intimated about the failed payment by an e-mail.

TFINN Credit

TFINN Credit is operated and provided to You by Trikshana Tech Private Limited's NBFC Partners.

These terms and conditions (“User Terms”) apply to your visit to and use of the TFINN Credit feature on https://www.TFINN.network or TFINN mobile application whether through a computer or a mobile phone, as well as to all information, recommendations and or services provided to You on or through the TFINN Credit feature on the Site, the Service and the Application. This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. By using the TFINN platform, You are consenting to be bound by these Terms & Conditions. PLEASE ENSURE THAT YOU READ AND UNDERSTAND ALL THESE USER TERMS BEFORE YOU USE TFINN CREDIT. If You do not accept any of the User Terms, then please do not use TFINN Credit or avail any of the services being provided therein. YOUR AGREEMENT TO THESE USER TERMS SHALL OPERATE AS A BINDING AGREEMENT BETWEEN YOU AND TFINN IN RESPECT OF THE USE AND SERVICES OF TFINN credit.

DEFINITIONS

All of the defined and capitalised terms in these T&Cs will have the meaning assigned to them here below:

“Account” shall mean the account created by the Customer on the Application for availing the Services provided by TFINN.
“Applicable Laws” shall mean and include all applicable statutes, enactments, acts of legislature or parliament, laws, ordinances, rules, by-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any governmental authority, tribunal, or a court of India.
“Application” shall mean the mobile application “TFINN” updated by TFINN from time to time.
“City of Operation” shall mean a city in which the Customers avail the TFINN Credit service.
"Credit Enrolment Form" shall mean the form which You need to fill with Your basic details before you can apply for the 'TFINN Credit Service'.
“Customer/ You” means a person who has an Account on the TFINN mobile Application.
"Contacts" shall mean those members on the TFINN platform who have rated Your profile by answering the 'Peer Rating Questionnaire' on the TFINN mobile application.
“Force Majeure Event” shall mean any event arising due to any cause beyond the control of TFINN.
“TFINN” or “us” or “we” shall mean Chippr Deals Private Limited, a company incorporated under the provisions of the Companies Act, 1956 and having its corporate office at 6, B.D.A Colony, Ishwar nagar, E/8 Shahpura, Bhopal (M.P) - 462039 which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to mean and include all its successors, affiliates and permitted assigns.
“TFINN Credit” shall mean the functionality available on the Application enabling access to TFINN Credit Services.
“TFINN Credit Account” shall mean the account created for the Customer by TFINN subject to Clause 'Registration and TFINN Credit Account'.
“TFINN Credit Services” shall mean credit facilities granted to the Customer by TFINN for the Services in terms of Clause 'TFINN Credit Services'.
"Peer Rating Questionnaire" shall mean the TFINN mobile application questionnaire which is used by the TFINN platform to ascertain the personality of a member before forwarding any credit service. This questionnaire is sent to Your mobile phone book contacts who also happen to be on the TFINN platform, only when You fill the 'Credit Enrolment Form'.
“Registration Data” shall mean and may include the present, valid, true and accurate name, email ID, phone number and such other information as may be required by TFINN from the Customer from time to time for registration on the Application.
“Service(s)” means the services that are provided by TFINN through the TFINN mobile Application i.e Mobile Recharges, Bill Payments and in - store payments to partner Merchants.
“Site” shall mean the TFINN mobile Application and the website operated by TFINN i.e https://www.TFINN.in or any other software that enables the use of the Application or such other URL as may be specifically provided by TFINN.
“T&Cs” and “User Terms” shall mean these Customer terms and conditions.

ELIGIBILITY

You will be “Eligible” to use TFINN Credit only when You fulfil all of the following conditions:

You have attained at least 18 (eighteen) years of age.
You are competent to enter into a contract under the Applicable Laws. If You reside in a jurisdiction that restricts the use of TFINN Credit because of age, or restricts the ability to enter into contracts such as this User Terms due to age, You must abide by such age limits.

REGISTRATION AND TFINN CREDIT ACCOUNT

You understand and acknowledge that You can register for TFINN Credit and create an TFINN Credit Account only after providing Registration Data. You further understand and acknowledge that the option to register for TFINN Credit may be granted to You at TFINN’s sole discretion.
Subject to Your compliance with these User Terms, TFINN grants You a limited nonexclusive, non-transferable license to use TFINN Credit solely for Your own personal use.
You shall be liable for all activities and transactions that occur through Your TFINN Credit Account, whether initiated by You or any third party. Your TFINN Credit Account cannot be transferred, assigned or sold to a third party. We shall not be liable for any loss that You may incur as a result of someone else using Your TFINN Credit Account, either with or without Your knowledge.
You hereby represent that you are not registered with the National Do Not Call Registry, and expressly consent to receive communications including promotional content from Us through Your registered phone number and/or e-mail id.
We reserve the right to suspend or terminate Your TFINN Credit Account with immediate effect and for an indefinite period, if We have a reason to believe that the Registration Data or any other data provided by You is incorrect or false, or that the security of Your TFINN Credit Account has been compromised in any way, or for any other reason We may deem fit.
Except for the Registration Data or any other data submitted by You during the use of TFINN Credit through Site (“Permitted Information”), TFINN does not want You to, and You should not, send any confidential or proprietary information to TFINN on the Site or otherwise, unless otherwise is required by Applicable Laws. In accepting these User Terms You agree that any information or materials that You or individuals acting on Your behalf provide to TFINN other than the Permitted Information will not be considered confidential or proprietary. You hereby grant to TFINN the right to collect, process, use, share and protect Your Permitted Information in accordance with the Privacy Policy posted on the Site.
In case You are unable to access Your TFINN Credit Account, please inform Us at contact@TFINN.in and make a written request for blocking Your TFINN Credit Account. TFINN shall not be liable for any transactions undertaken in relation to Your TFINN Credit Account wherein any Credit Amount may have been generated without your knowledge/ consent. We will not be liable for any unauthorised transactions made through Your TFINN Credit Account prior to the expiry of 72 (seventy two) hours after You have made a request in writing for blocking Your TFINN Credit Account, and shall not have any liability in case of Force Majeure Event.

TFINN CREDIT SERVICES

You shall be granted a new mode of payment called ‘TFINN Credit’ for the payment towards all kinds of services provided by the TFINN platform in addition to the other modes of payment on the Application. (a). Debit/Credit card payment: You can pay for using any service offered by the TFINN platform using Your debit/credit card. Credit card payment will involve an additional service charge which will vary from time to time and will be displayed appropriately on the TFINN mobile application before You make any payment. No such service fee will be charged for Debit card payments . (b) Net Banking : You can pay for using any service offered by the TFINN platform using Net Banking. This mode of payment will involve an additional service charge which will vary from time to time and will be displayed appropriately on the TFINN mobile application before You make any payment. (c) TFINN Credit Payment : You can pay for using any service offered by the TFINN platform using Your TFINN credit account. No service charge will be applicable on this mode of payment.
TFINN Credit payment mode shall enable You to pay for the services offered by the TFINN platform on credit and at a later point in time instead of immediate payments. The complete cost of using the services shall be due to TFINN until the payments are made.Your credit limit will be determined by TFINN and will be appropriately intimated to You using the TFINN mobile applications wither through an in - app notification, e mail or SMS. Once this limit is breached, You shall not be allowed to avail further credit facilities from TFINN, and Your access to TFINN Credit Services may be suspended/ terminated by TFINN at its discretion.
The payment for all the amount due (“Outstanding Dues”) under the TFINN Credit payment mode shall be made only through Debit Card, Credit Card or Net banking. Such Outstanding Dues shall be paid by You before the 4th day of the month succeeding the month on which the first payment for a service was made using the TFINN Credit Service.
In the event You have an active TFINN Credit Account, the payment for the service used on the TFINN platform shall be reflected as amount due and payable by You.
TFINN shall, at all times, have the right to refuse provision of Service to you in case you have reached the Credit Limit.
TFINN will generate the payment invoice for the Service used and it will be sent to Your registered e-mail. Please note that the charges mentioned in the invoices are exclusive of the additional charges (if any).
You understand that the Services provided to You shall be governed by these User Terms and any other applicable terms and conditions governing the concerned service (“Customer T&Cs”).
The TFINN Credit Services shall be available only for use of payment of the Services offered by the TFINN platform
In the event that You fail to make the payments of Credit Amounts beyond the payment due date as mentioned above, TFINN retains the right to apply the following penalties : (a). Interest on dues : A 30% APR would be charged on the outstanding dues. The applicable interest would be compounded daily. (b). Notification to the contacts : Your contacts on the TFINN platform would be notified in of your outstanding dues in case the dues are not cleared within a week after the due date. (c). Affect on Contacts : The contacts would be penalised in case You don't clear the last month's dues by 15th of next month. (d). Legal Action : Legal action would be initiated against You if you fail to pay the last month's dues, by the end of the next month.In addition to this, TFINN also retains the right to charge any additional amounts in case of any delay in payments due to TFINN.

CUSTOMER RELATIONSHIP MANAGEMENT

All issues, opinions, suggestions, questions and feedback while availing TFINN Credit Services may be communicated to us through the following email address contact@TFINN.tech. TFINN shall endeavour to respond to Your issues within 7 (seven) working days of Your reporting the same and endeavour to resolve it at the earliest. It is hereby clarified that issues are resolved on severity basis, and certain issues may be resolved earlier than the others. However, TFINN shall not be liable for any damages or losses in the event You are not satisfied with any such resolution.

FORCE MAJEURE

We shall not be liable for any failure to perform any obligations under this User Terms, if the performance is prevented, hindered or delayed by a Force Majeure Event and in such case our obligations under this User Terms shall be suspended for so long as the Force Majeure Event continues.

INTELLECTUAL PROPERTY OWNERSHIP

TFINN alone (and its licensors, where applicable) shall own all right, title and interest, including all related intellectual property rights, in and to (a). TFINN Credit, TFINN Credit Services and any suggestions, ideas, enhancement requests, feedback, recommendations; (b). text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code; or (c). other information provided by You or any other party relating to the TFINN Credit and TFINN Credit Services.
Third party trademarks may appear on TFINN Credit/Site/ Application and all rights therein are reserved to the registered owners of those trademarks. For use of any third party's intellectual property, You need to get permission directly from the owner of the intellectual property for any use.
These User Terms do not constitute a sale and do not convey to You any rights of ownership in or related to TFINN Credit or TFINN Credit Service or any intellectual property rights owned by TFINN. You shall be solely responsible for any violations of any laws and for any infringements of any intellectual property rights caused by use of the TFINN Credit Services.
1You may use information on TFINN Credit purposely made available by Us for downloading from TFINN Credit, provided that You: (a). do not remove any proprietary notice language in all copies of such documents and make no modifications to the information; (b). use such information only for Your personal, non-commercial informational purpose and do not copy or post such information on any networked computer or broadcast it in any media; or (c). do not make any additional representations or warranties relating to such information.

TERM AND TERMINATION

The agreement between TFINN and You shall be in force from the date on which You accept these User Terms, until such time that the arrangement between TFINN and You is terminated as per the terms hereunder (“Term”).
The agreement between TFINN and You (these User Terms) may be terminated by You by notifying TFINN at contact@TFINN.in. The arrangement will stand terminated after a period of 7 days of acknowledgement by TFINN of the receipt of such request from You.
TFINN is entitled to terminate the agreement at all times and with immediate effect (by disabling Your use of TFINN Credit, the Site/ Application and the Service/TFINN Credit Service) if You: (a) violate or breach any term of these User Terms, or (b) in the opinion of TFINN, misuse the Application or the TFINN Credit Service; or (c) for any other reason as deemed fit by TFINN.
Termination of this agreement will not prejudice accrued rights of either TFINN or You.
Clauses on Indemnification, Liability, Intellectual Property Ownership, Term and Termination, Notice and Applicable Law and Dispute Resolution shall survive the expiry/termination of these User Terms in accordance with their terms.

INVALIDITY OF ONE OR MORE PROVISIONS

The invalidity of any term of these User Terms shall not affect the validity of the other provisions of these User Terms. If and to the extent that any provision of these User Terms is invalid, or is unacceptable in the given circumstances, a provision shall apply between the parties instead that is acceptable considering all the circumstances, taking into account the content and the purpose of these User Terms.

CONFLICT

In the event of any contradiction or inconsistency between this User Terms and any other Customer T&Cs, the terms of the User Terms shall prevail unless the exception has been expressly agreed to in writing by making reference to the relevant Clause sought to be modified under this User Terms.

DISCLAIMER

TFINN and its representatives, officers, employees, agents and contractors shall not be liable for any loss, damage, claim, expense, cost (including legal costs) or liability arising directly or indirectly from Your use or non-use of the TFINN Credit Service, or Your reliance upon the TFINN Credit Service or the information contained upon TFINN Credit or the Site/ Application (whether arising from TFINN or any other person's negligence or otherwise).
TFINN and its representatives, officers, employees, agents and contractors shall not be liable for any loss, damage, claim, expense, cost (including legal costs) or liability arising directly or indirectly from the services provided by third party service providers.
TFINN Credit, the Site, Application and all content on TFINN Credit, the Site and the Application are provided on an “as is” basis without warranties of any kind, either express or implied, including without limitation warranties of title or implied warranties of merchantability or fitness for a particular purpose. You acknowledge, by Your access of TFINN Credit, the Site and/or Application, that Your access of TFINN Credit, the Site and/or Application and availing of TFINN Credit Services is at Your sole risk, that You assume full responsibility for Your access and use of TFINN Credit, the Site and/or Application, and that TFINN shall not be liable for any damages of any kind related to Your access and use of TFINN Credit, the Site and/or Application.
All images, audio, video and text in TFINN Credit, the Site and/or Application are only for illustrative purposes. None of the models, actors or products in the images, if any is endorsing the TFINN Credit Services in any manner. Any resemblance of any matter to anybody or anything is purely unintentional and/or coincidental.

Updated on 01/05/2024