Terms & Conditions and Refund Policy


 This document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to time and the rules thereunder as applicable and the amended 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.

 

Use of the UNIGS Platform

Please read the terms and conditions carefully before registering, accessing, or using the “UNIGS” Platform (defined below). The terms and conditions are legal contract (“Agreement”) between You and INBI Nextgen Innovations Private Limited (“INBI”) having its registered office at Sakeena Plaza, 1st Floor, Mangaluru Road, Karkala, Udupi Dist. Karnataka, India, 574104. You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not use the Services and/or immediately terminate the Services and/or uninstall the mobile application.

 

Note:

Our Terms & Conditions is subject to change at any time without notice. To make sure you are aware of any changes, please review this Terms & Conditions periodically. By visiting this App, you agree to be bound by the Terms and Conditions. If you do not agree please do not use or access our Services

 

Eligibility

By registering with UNIGS and accessing the UNIGS Services, you are representing the following:

  1. You are 18 years of age or older;
  2. You are capable of entering into a legally binding agreement; and
  3. You are not barred or otherwise legally prohibited from accessing or using the UNIGS App and Services

 

USING “UNIGS” APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING

 

Definition

“UNIGS”, “INBI” “We”, “Us”, “Our” – shall refer to “UNIGS” and “INBI”.

“You”, “Yours”, “Yourself”, “UNIGS User” – means any prospective user, or registered user of UNIGS, including but not limited to Customers and Commercial Partners. 

“UNIGS APP” – The mobile application(s), hosted by INBI for providing services to users, and Commercial Partners

‘UNIGS Platform” means any platform owned/subscribed/used by UNIGS or INBI including but not limited to the UNIGS App, other mobile applications, devices, URLs/links, notifications, chatbots, UNIGS’s social media channels or any other communication medium or mechanism used by UNIGS or INBI to provide services to the Users.

 

“UNIGS Services” means and include all services offered / to be offered by UNIGS, and INBI through its Commercial Partners, Cooperative societies including but limited to Cooperative society banking, payment gateway, Recharges and Bill Payments, switch interface/ access including others, also includes Payment Aggregator Services.

 

“Commercial Partner” means any individual or entity with whom UNIGS or INBI have a contractual relationship. and includes but is not limited to Cooperative societies, financial institutions, Merchants, Advertisers, Deal partners, switch interface partners 

 

“Terms of use” / “Terms and Conditions” are interchangeably used and mean these Terms of Service including the Supplemental Terms.

 

Your Use of UNIGS

 

You agree that:

  1. Unless otherwise permitted by UNIGS in writing, you may only possess one account.
  2. Your use of the App shall not violate any applicable law or regulation.
  3. Your use of the UNIGS App, and UNIGS Platforms shall be only for personal purposes.
  4. All registration information you submit is truthful, complete, and accurate and you agree to maintain accurate, complete, and up-to-date account information in your account.
  5. You are responsible for all activity that occurs under your account.
  6. You are responsible for maintaining the confidentiality of the access UNIGS credentials of your account and are fully responsible for all activities that occur under your account. You agree to immediately notify UNIGS of any unauthorized use of your passcode or account or any other breach of security.
  7. You agree that You are aware and responsible for all transactions taking place through your Account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to your UNIGS App, (ii) permit them to transact on Your account, or (iii) transact on any other person’s behalf or directions; whether by sharing one-time passwords or in any other manner. 
  8. You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with the UNIGS App, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.
  9. You shall not access or use the UNIGS App in any manner that (i) may be harmful to the operation of the UNIGS App or its content; (ii) may be unlawful; (iii) maybe harmful to UNIGS or to any other User; (iv) may hinder the other User’s enjoyment of the UNIGS App; or (v) to defraud other Users, UNIGS or any Commercial Partner.
  10. You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component, or malicious content, or otherwise impair or damage the UNIGS App or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the UNIGS App.
  11. You shall not delete or modify any content of the UNIGS App.
  12. Your use of the UNIGS App shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins, and new versions (collectively, ‘Updates’), for the purpose of effective delivery of the UNIGS Services. Please note that your continued use of the UNIGS App following such Updates would mean deemed acceptance by you of the same.
  13. You shall request UNIGS, to block the Account and change the passcode immediately for the account, if your device has been lost or stolen.

 

 

Violation of Terms of Use / Suspicious Activity

If we believe that you have violated any of the conditions as mentioned under these Terms of Use, our Privacy Policy, Supplemental Terms applicable to certain services or any agreements consented to via the UNIGS App, we reserve the right to suspend your access to the UNIGS App and/or delete your account without prior notice to You. If We have reason to believe that there is suspicious or unusual activity being carried out through your account, we may temporarily or permanently suspend your access to the UNIGS Platform. 

 

Termination / Deletion of Your Account

You may end your legal agreement with UNIGS at any time by deactivating your account and discontinuing the use of the UNIGS Services. We provide all our Users an option through which a User may request archive of a specific card stored on his/her account or deletion/deactivation of the complete account through the support section on the UNIGS App.

 

Following a request for deletion, or termination of account by UNIGS, we consider the agreement to be terminated and take appropriate steps. Provided however, UNIGS may continue to maintain transaction records for record keeping purposes and/or regulatory reasons. Deletion of the account or Termination also does not terminate Your obligations undertaken prior to deletion or termination of the account including but not limited to the obligation to repay any loan or UNIGS it lines availed by You. UNIGS may continue to retain a record of your transactions made on the UNIGS App for regulatory and archival purposes.

 

Fees

You are responsible for any fees that may be applicable to certain transactions or use of the UNIGS App; where you will be notified of such applicable fees, prior to the completion of any transaction. By clicking ‘Proceed’ / ‘Submit’ / ‘Continue’ or any other similar button on the UNIGS App, you shall be deemed to have consented to the fees displayed on the said page.

Privacy

We collect, hold, use and transfer your personal data in accordance with our Privacy Policy. By agreeing to the Terms of Use, you also hereby agree to our Privacy Policy, which may be updated and/or modified by us from time to time. You understand and agree that, to the extent permitted by applicable law, any data provided by you in connection with the UNIGS Services may be shared with our subsidiaries, affiliates or partners, and/ or used by us for enhancing the UNIGS Services, including but not limited to creating new products. Please refer to the Privacy Policy for further clarity on the subject.

 

Disclaimer

The UNIGS Services, including all content, software, functions, material, and information made available or accessible through the UNIGS Platform are provided “as is”. UNIGS, INBI and their respective agents, co-branders or partners, make no representation and warranty of any kind for the content, software, functions, material, and information available/accessible through the Services.

 

UNIGS does not warrant that the functions contained in content, information and materials on the UNIGS App, including, without limitation any third-party sites or services linked to the UNIGS App or any UNIGS Platform will be uninterrupted, timely or error-free, that the defects will be rectified, or that the UNIGS App or the servers that make such content, information, and materials available are free of viruses or other harmful components.

 

Further, you understand that a payment transaction is solely between the User who uses the UNIGS Services to make his payment (“Sender”) and the User who receives such payment from the Sender (“Recipient”) and that UNIGS does not provide any guarantees or warranties to any User with respect any service, goods, or delivery level commitment provided by the Recipient. UNIGS cannot assure that Commercial Partners or other Users are or will be complying with the foregoing Terms of Use or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other User or Commercial Partner. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the UNIGS App.

 

Limitation of Liability

In no event shall UNIGS, INBI, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether UNIGS has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the UNIGS Platforms, UNIGS App or UNIGS Services.

In no event shall UNIGS and INBI total cumulative liability to You in connection with the UNIGS Services for all damages, losses and causes of action (whether arising under contract or otherwise), arising from or relating to Your use of the UNIGS App and UNIGS Platforms or arising from these Terms of Use exceed INR 10,000 (Indian Rupees ten thousand only).

 

 

Indemnity

You agree to defend, indemnify, and hold harmless UNIGS, INBI, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, contractors and other applicable third parties (collectively ‘Indemnified Parties’) from and against any and all claims, demands, damages, obligations, losses, liabilities, cause of action, costs or debt, and expenses (including any legal fees) arising from:

  1. Your use of and access to the UNIGS App and the UNIGS Platforms.
  2. Your violation / breach of any of these Terms of Use.
  3. Your violation of any third party right, including any intellectual property right or privacy right.
  4. The committing of any of the prohibited activities as stated herein.
  5. Your failure to be in compliance with applicable law, including tax laws and cyber security laws; or
  6. Any claim that your use of the UNIGS App caused damage to a third party.

 

Disputes & Arbitration

In consideration for UNIGS granting you access to and use of the UNIGS App, UNIGS Platforms and UNIGS Services, you agree that in case of any dispute between You and any Commercial Partner or other User or recipient of the funds transferred by You, UNIGS shall not be a party to the same. While UNIGS is not obligated to mediate or resolve disputes, UNIGS will assist Users in communicating with each other regarding a dispute. UNIGS may at its own discretion however, without having any obligation to do so, assist in resolving the disputes between the Users and the Commercial Partners.

 

Except as otherwise set forth in these Terms of Use, these Terms of Use shall be exclusively governed by and construed in accordance with the laws of India. Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the UNIGS Services or these Terms, including those relating to its validity, its construction or its enforceability, but excluding those provisions where it has been specified that UNIGS’s decision shall be final,  (any “Dispute”) shall be, if initiated by the User, first raised by the user to info@inbinextgen.com. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email IDs, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”). Provided however when UNIGS raises any dispute, UNIGS may directly initiate arbitration in accordance with this clause. The Dispute shall be resolved by one (1) arbitrator to be appointed by UNIGS. The place the arbitration shall be Bangalore, India. The language of the arbitration shall be English. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the sole arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.

 

Use and Protection of Intellectual Property Rights

UNIGS App, UNIGS Website, UNIGS logos and the UNIGS Services are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the UNIGS App including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Our express written permission. You are hereby given a limited licence to use the UNIGS App and the UNIGS Platforms, subject to your agreement of these Terms of Use.

 

UNIGS, INBI, and its licensors, if any, are the sole owners of the underlying software and source code associated with the UNIGS App and UNIGS Platforms as well as any other intellectual property rights of any other nature associated with the UNIGS App, UNIGS Platforms and their content.

 

When you upload, submit, store, send or receive content that may include feedback to or through the UNIGS App, you give UNIGS and INBI a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by UNIGS or INBI. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the UNIGS Services, and to develop new ones. This licence continues even if you stop using the UNIGS Services.

 

Governing Law and Jurisdiction

The UNIGS App, the UNIGS Services, all your transactions with the UNIGS App, and our relationship shall be governed by the laws of India, without regard to conflict of law principles. You agree that subject to the Disputes & Arbitration Clause above, all claims, differences and disputes which we may have shall be subject to the exclusive jurisdiction of the competent courts located in Udupi, Karnataka, India.

 

Assignment

You shall not transfer or assign any of Your rights and obligations arising from these Terms of Use. You agree and acknowledge that UNIGS may assign or transfer its rights and obligations under these Terms of Use in whole or in part, to (i) any other UNIGS Group Entity; (ii) an acquirer of UNIGS or any UNIGS Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.

 

General

No joint venture, partnership, employment or agency relationship exists between you, UNIGS, INBI or any Third Party as a result of the contract contained in these Terms of Use. If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms of Use but the legality, validity and enforceability of the other provisions in these Terms of Use shall not be affected. In that event, UNIGS shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms of Use. These Terms of Use (together with any additional terms displayed in specific sections of the UNIGS App or UNIGS Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter.

 

Updation

We may amend these Terms of Use at any time by posting an updated version on the UNIGS APP. The updated version of these Terms of Use shall supersede the previous version of the Terms of Use and take effect immediately upon posting. You have the right to opt-out of agreeing to these Terms of Use or any future updated version of the Terms of Use, by ceasing to use the UNIGS App. However, please be aware that your continued use of the UNIGS Services from the launch of any updated Terms of Use would mean deemed acceptance of such updated Terms of Use including any modification thereof. We recommend you to keep checking the Terms of Use often to be familiar with any updates and changes.

 

Contact us

If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the application infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within the UNIGS App, on UNIGS’s official social media channels, or the Grievance Officer any time at:

Name: Satish Poojary

Email: info@inbinextgen.com

 

Refund Policy

Our refund policy at UNIGS is transparent and aligned with the policies of payment gateways and cooperative societies. Here's what you need to know:

  1. UNIGS shall not be responsible for any payment for an incorrect input by You / using Your account.
  2. Refunds are subject to the terms and conditions set by the payment gateway and respective societies.
  3. We strive to ensure a smooth refund process for any eligible transactions.
  4. In case, money has been debited from your account and not credited to your account with society within 72 (seventy-two) working hours of your completion of the transaction then You may inform us regarding the same through the customer support section of the UNIGS App. We shall investigate such incidents and if it is found that money was indeed debited from your account but not received by your Society then You will be refunded the money within twenty-one (21) working days (or such other timeline as mandated by applicable law) from the date of receipt of Your query on the UNIGS App or over email.
  5. In case a payment has been wrongfully made and credited to your bank account, UNIGS reserves the right to automatically initiate a refund through your bank. You hereby consent to such a refund initiated by UNIGS and / or Your bank, at the request of UNIGS, to offset any incorrect transaction, credit or double payment made to your account. Once such transaction is processed, UNIGS shall inform you of the same and the corrective action taken by UNIGS to refund such payment.

 

 

 

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