Effective Date: March 25, 2025

Jeevandhara Digital provides secure and instant digital services for mobile recharges, DTH, electricity, gas, water, and other bill payments. By using our bill payment services, you agree to the terms outlined below.

1. Services Wallet

All bill payments and digital services are processed using the Services Wallet. Users must ensure sufficient balance is available before initiating a transaction.

• The Services Wallet balance can only be used for recharges and bill payments within Jeevandhara Digital.
• It cannot be withdrawn, transferred to a bank/UPI, or used on third-party platforms.
• It is a Closed Wallet and not an RBI-authorised Prepaid Payment Instrument (PPI).

2. Transactions

• Users must provide accurate details (e.g., mobile number, operator, biller ID, amount).
• Jeevandhara Digital is not responsible for failed transactions caused by incorrect inputs by the user.
• Once a recharge or bill payment is successfully processed, it cannot be reversed or cancelled.

3. Refund Policy

• If a recharge or bill payment fails but the amount is deducted, the refund will be automatically credited back to your Services Wallet.
• Refunds are typically processed within 3–5 business days, subject to operator/bank confirmation.
• No refunds will be credited to bank accounts, UPI, or in cash — refunds go to the wallet only.
• Wrong inputs provided by the user (e.g., incorrect number or bill ID) are non-refundable.

4. Limitations

• Wallet balances are non-interest bearing.
• We are not liable for delays caused by operator downtime, technical failures, or third-party payment gateways.