Effective Date: March 25, 2025

These Terms and Conditions govern your use of Jeevandhara Digital's services, including the ecommerce platform, utility bill payments, wallets, and affiliate programs. By accessing our website/app or services, you agree to comply with these terms.

Legal Identity: Jeevandhara Digital is a brand name of Jeevandhara Electronics. All references to "Jeevandhara", "we", "our", or "us" in these Terms and Conditions refer to Jeevandhara Electronics, the legal entity operating the Jeevandhara Digital platform.

1. Use of Our Services

You agree to use our services only for lawful purposes and in accordance with all applicable laws. You must provide accurate and complete information when using any service on our platform.

2. Account Responsibility

You are responsible for maintaining the confidentiality of your account and password. Any activity under your account is your responsibility.

3. Purchases & Payments

All purchases are subject to product availability and confirmation of the order price. We accept multiple forms of digital payments through secure gateways.

4. Wallets (Services Wallet & Shopping Wallet)

Jeevandhara Digital offers two types of wallets for convenience:

• Services Wallet: Balance can only be used for recharge, bill payments, and other digital services within the Jeevandhara platform.
• Shopping Wallet: Balance can only be used to purchase products or services listed on the Jeevandhara Digital platform.

Both wallets are Closed Wallets and are not RBI-authorised Prepaid Payment Instruments (PPIs). Wallet balances:

• Cannot be withdrawn in cash or transferred to a bank account/UPI.
• Cannot be used outside the Jeevandhara Digital ecosystem.
• Are non-interest bearing.

Loading of wallets is allowed only via authorised payment methods (UPI, cards, net banking, etc.). Refunds from failed transactions will be credited back into the respective wallet within 3–5 working days. No refund will be provided to bank accounts, UPI, or cash.

5. Return & Refund Policy

Returns and refunds are governed by our Return & Refund Policy. Ensure you read and understand the conditions before initiating a return. Refunds from failed transactions or cancelled orders will be credited only into the Services Wallet or Shopping Wallet, as applicable.

6. Affiliate Program

If you participate in our affiliate program, you agree to abide by the rules set out in our Affiliate Program Terms. Commission payouts, where applicable, may be credited to the affiliate’s wallet within the Jeevandhara platform and are subject to wallet usage rules.

7. Intellectual Property

All content on this website, including branding, graphics, logos, and software, is the property of Jeevandhara Digital or its partners.

8. Limitation of Liability

Jeevandhara Digital will not be liable for any indirect, incidental, or consequential damages arising out of your use of our services. We are not responsible for:

• Operator downtime or failures,
• Payment gateway/banking delays,
• Fraudulent transactions due to user negligence.

9. Termination

We reserve the right to suspend or terminate your access to our services, including freezing wallet balances, at any time without notice if you violate these terms or engage in fraudulent/misuse activities.

10. Changes to These Terms

We may revise these Terms & Conditions at any time. Continued use of the website constitutes your acceptance of those changes. Updates may include modifications to wallet rules, refund policies, or compliance with regulatory requirements.