Terms and Conditions for EnKash PPI Products (Wallets and Cards)

To be eligible to use the EnKash PPI Products:

• • You must be a resident of India (or a foreign national/NRI with valid documentation), at least 18 years of age, and competent to contract under the Indian Contract Act, 1872.
• • You must not be a Politically Exposed Person ("PEP") as defined by RBI.
• • You must register on the EnKash Platform by providing accurate personal information, including Your name, mobile number, email address, date of birth, and other details as prompted.
• • For Small PPI, minimum details such as mobile number verified via OTP and self-declaration of identity are sufficient.
• • For Full-KYC PPI, You must complete the KYC process by providing valid Officially Valid Documents ("OVD") such as Aadhaar, PAN, passport, voter ID, or driving license, along with address proof. Verification may be through e-KYC (Aadhaar OTP or biometric), V-CIP, or physical/face-to-face methods. Non-face-to-face onboarded accounts are subject to enhanced monitoring and limits until full verification.
• • If using Aadhaar OTP-based e-KYC in non-face-to-face mode, You declare that no other account has been or will be opened using this method with Us or any other entity. We will send alerts and OTPs only to the mobile number registered with Aadhaar. If CDD is not completed within one year, the PPI will be closed.
• • We reserve the right to reject Your registration, limit features, or suspend/terminate Your User Account if the information provided is inaccurate, incomplete, suspicious, or violates Applicable Laws or Our policies.
• • You represent and warrant that You are not barred from using Our services under any Applicable Laws, that You will not impersonate any person or entity, and that all information provided is true, accurate, and complete.
• • By registering, You consent to Us sharing Your data with regulatory authorities, such as CERSAI for CKYCR (Central KYC Registry) updation, and third-party service providers for verification and service delivery.
• • PPIs may be issued to individuals capable of entering into a legally binding contract under Indian law.
• • All PPIs shall be denominated in Indian Rupees (INR) and used only within India.
• • The Issuer reserves the right to verify or authenticate Customer identity as per Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

EnKash issues the following categories of PPIs:

1 Prepaid Cards – Physical or virtual cards used for transactions at POS, e-commerce, or online merchants.

2 Digital Wallets – Reloadable wallet accounts that allow Customers to store, manage, and use funds for digital transactions, bill payments and instore purchase.

3 Meal and Fuel Cards – Restricted-use PPIs issued for specific merchant categories such as food and fuel, in accordance with RBI and tax regulations.

4 Gift PPIs – Non-reloadable prepaid instruments issued for gifting or promotional purposes.

All PPIs are subject to the respective RBI transaction and balance limits.

• i) Upon successful registration and verification (KYC as applicable), We will issue the EnKash PPI Products to You in digital form (wallet) or physical/virtual card form.
• ii) Physical cards will be delivered to Your registered address upon request, subject to fees and availability. You must activate the card via the EnKash Platform using the procedure explained therein. All transactions will be in Indian Rupees (INR). International usage is not permitted.
• iii) The PPI is non-transferable under any circumstances and can only be used by You.
• iv) We may refuse to issue or activate a PPI if We suspect fraud, money laundering, or non-compliance with Applicable Laws.
• v) All PPIs remain the property of EnKash and are issued to Customers for lawful use only.
• vi) No interest shall be payable on the balance maintained in the PPI or Wallet.
• vii) The Customer shall maintain the confidentiality of login credentials, PINs, and passwords and shall be fully responsible for any unauthorized use.
• viii) Card Validity for General Purpose Reloadable (GPR) Cards
  
  • GPR Cards issued by EnKash shall remain valid for a minimum period of three (3) years from the date of issuance, unless otherwise specified on the card or communicated at the time of issuance.
  • Upon expiry, the Cardholder may request renewal or replacement, subject to applicable policies and KYC requirements.
• ix) Card Validity for Gift Cards
  
  • Gift Cards shall remain valid for a period of one (1) year from the date of issuance, unless a different validity period is mandated by regulations or specified at the time of issuance.
  • Any unused balance remaining on the Gift Card after expiry shall be handled in accordance with applicable RBI guidelines and EnKash policies.
• x) EnKash may deactivate PPIs or Wallets that remain inactive for one (1) year, after providing prior intimation to the Customer.

PPI load and transaction limits shall be as per RBI classification:

You may perform debit transactions up to your available balance, without a separate monthly debit limit, provided overall usage complies with the applicable credit limits under RBI guidelines.

1. You can load/reload funds into Your EnKash PPI Products using permitted payment methods such as bank transfers (NEFT/IMPS), UPI, debit/credit cards, net banking, or from other Full-KYC PPIs, subject to RBI guidelines and Our limits. (Cash loading not permitted)
2. Loading is non-interest-bearing, and funds are stored electronically.
3. For Small PPI: Reloadable only from permitted payment methods i.e. debit/credit cards, UPI, Netbanking & bank accounts. Monthly loading limit: Not exceeding ₹10,000 as per RBI. No cash loading, funds transfer out, or cash withdrawal allowed. Annual credit limit: Not exceeding ₹1,20,000.
4. For Full-KYC PPI: Higher limits apply. Maximum outstanding balance: Not exceeding ₹2,00,000. Monthly loading: No specific limit beyond overall balance cap, subject to risk assessment. No cash loading allowed.
5. For accounts opened via Aadhaar OTP e-KYC (non-face-to-face): Aggregate balance across all such accounts not to exceed ₹1,00,000; annual credits not to exceed ₹2,00,000. Operations cease if limits are exceeded until full CDD.
6. We may set lower internal limits based on Your risk profile, transaction history, or operational risks.
7. We reserve the right to refuse or reverse any loading if it violates Applicable Laws, appears suspicious, or exceeds limits.
8. Partial or excess loading may not be allowed; You must ensure correct amounts.

1. Purchasing goods and services at Authorised Merchants (online/offline) accepting Our wallets/cards/UPI.
2. Bill payments, mobile/DTH recharges, utility payments, and other permitted services.
3. Peer-to-peer funds transfers to pre-registered beneficiaries (for Full-KYC PPI only).
4. Cash withdrawal at ATMs/PoS (for Full-KYC PPI only, up to ₹2,000 per transaction and ₹10,000 monthly).
5. Transactions are authorised using security measures such as PIN, OTP, biometrics, CVV, or other authentication factors.
6. For funds transfers (Full-KYC PPI):
   • Back to source account or Your own verified bank account.
   • To pre-registered beneficiaries: Up to ₹2,00,000 per month per beneficiary.
   • To other accounts/PPIs/debit/credit cards: Up to ₹10,000 per month.
7. There is no additional limit on purchases of goods or services beyond Your available PPI balance.
8. International transactions, cash loading, or use for prohibited activities are not allowed.
9. We may integrate with UPI, NPCI, or other payment systems for seamless Transactions, but You remain responsible for all initiated Transactions.
10. You agree not to use the EnKash PPI Products for any illegal, unlawful, or prohibited activities, including but not limited to money laundering, terrorism financing, gambling, purchase of prohibited goods/services (e.g., drugs, weapons), tax evasion, or any activity violating Applicable Laws.
11. We may block or decline Transactions if suspicious or in violation of these Terms.

1. Transaction and balance limits depend on PPI type and KYC status, as per RBI guidelines:
   1. Small PPI: Maximum balance and loading limit of ₹10,000 per month; transfers and withdrawals are not permitted.
   2. Full-KYC PPI: Maximum balance ₹2,00,000; funds transfer & cash withdrawal limits as in Section 8.
   3. We may revise limits based on risk assessment, with notice where required.
2. We may revise limits based on risk assessment, with notice where required.
3. Fees may apply for issuance, loading, Transactions, cash withdrawal, inactivity, card replacement, or other services.
4. Fees are non-refundable and subject to change with 30 days' notice. GST or other taxes may apply as per Applicable Laws.
5. No fees apply for basic services, such as balance inquiries or mini-statements, unless otherwise specified.
6. If Your PPI or Wallet remains expired but holds an unutilized balance, a monthly service fee of INR 500 will be charged post-expiry only if the balance exceeds INR 1,000. For balances of INR 1,000 or less, this fee will be waived to prevent small balance erosion.
7. Customers can request:
   1. Refund of the remaining balance to the source account, or
   2. Issuance of a new PPI (subject to KYC).
8. Fee table:

   Service Description	Charge (INR)	Applicability
   Physical Card Issuance / Re-issuance	250	Per card issued or replaced
   Gift Card Reactivation	250	Per reactivation
   ATM – Financial Transaction (Cash Withdrawal)	25	Per transaction
   ATM – Non-Financial Transaction (PIN Change, Balance Enquiry, Mini Statement)	15	Per transaction
   Surcharge – Government Transactions	Up to 2.5%	Per transaction
   Surcharge – Fuel Transactions	Up to 1.5%	Per transaction
   Surcharge – Railway Transactions	Up to ₹10	Per transaction

9. All charges are exclusive of applicable taxes unless stated otherwise.
10. Example: For a ₹1,000 government transaction, a surcharge of ₹10 + 18% GST (₹11.80) may apply.
11. Notes:
    • EnKash may waive any charge(s) wholly or partially at its discretion.
    • All charges are subject to revision based on business or regulatory requirements and shall be communicated via the EnKash website or official notifications.
    • Surcharges may vary by acquiring bank, network partner, or merchant category.

You must:

• Provide accurate, complete, and updated information for registration, KYC, and Transactions.
• Keep your login credentials, PIN, OTP, card details, and device secure. Do not share them with anyone.
• Immediately report any unauthorised access, loss, theft, or compromise of your PPI, card, or device to our customer support at [email protected].
• Ensure sufficient PPI balance before initiating transactions.
• Comply with all Applicable Laws, including PMLA and RBI guidelines, and cooperate with us in any audits, investigations, or reporting requirements.
• Notify us immediately of any changes in your personal details, address, mobile number, email, or PEP status.
• Not reverse engineer, hack, modify, or misuse the EnKash Platform or PPI Products.
• Not use the PPI for business/commercial purposes unless explicitly permitted.
• You are solely responsible for all transactions initiated from your user account, whether authorised by you or not, unless proven to result from our gross negligence or wilful misconduct.
• You consent to receiving communications (SMS, email, calls, notifications) from us regarding your account, transactions, updates, or promotions.

• We employ industry-standard security measures, including encryption, firewalls, and fraud detection systems, to protect your data and transactions.
• You must use secure devices and networks, keep your app/software updated, and avoid public Wi-Fi for sensitive transactions.
• In case of suspected fraud, unauthorised access, or security breach, we may block transactions, suspend your user account, freeze balances, or report to authorities (e.g., RBI, FIU-IND) without liability.
• You authorise us to share your information with regulators, law enforcement, banks, payment networks, or third-party partners for verification, fraud prevention, or compliance.
• For lost/stolen cards or wallets: Report immediately so we can block the PPI. We are not liable for losses due to delay in reporting or your negligence.
• Once reported, the PPI or wallet will be blocked and cannot be reused even if recovered. You will not be liable for unauthorized transactions after reporting.
• We may require additional authentication for high-risk transactions.

• Failed Transactions: Refunds will be processed to the original payment source in accordance with applicable regulatory guidelines, network rules, and any other rules as may be prescribed and updated from time to time, subject to investigation.
• Merchant-initiated refunds (e.g., returns) will be credited to your PPI Balance upon receipt from the merchant.
• No cash refunds; all refunds are processed electronically to the PPI or source account.
• Refunds shall be processed within 5 Business Days of a valid request, subject to verification.
• For cancellations: Contact the merchant directly; We act as facilitator and process refunds as per merchant instructions and RBI timelines (T+1 for failed Transactions).
• Reversals for erroneous loads may be permitted in accordance with applicable regulatory guidelines, network rules, and any other rules as may be prescribed and updated from time to time, subject to fees and verification.
• Unclaimed refunds shall be governed in accordance with the regulatory guidelines or network rules as may be prescribed and updated from time to time. All payments made through Enkash Wallet/Cards for mobile/ DTH recharge, bill pay, or any other payment processed by You on the Enkash Platform or Merchant partners accepting Enkash Wallet as a payment option shall be final and Enkash shall not be responsible for any error and omission by You or Merchant partners. Bill Pay and Recharge transactions cannot be refunded, returned or cancelled once initiated may be treated as per RBI escheatment rules.
• If You erroneously processed a payment to an unintended Merchant or processed a payment for the wrong amount (for instance a typographical error at Your end), Your only recourse will be to contact the Merchant directly to whom You have made the payment and ask them to refund the amount. Enkash shall not be liable to handle such disputes, nor can We reimburse You or reverse a payment that You have erroneously made.

• If no Transactions occur for 12 consecutive months, your PPI may be classified as dormant/inactive.
• You can reactivate by contacting us and providing updated details.
• We may charge inactivity fees or restrict access until reactivation via KYC re-verification.
• Unused balances in dormant PPIs for two years may be transferred to the Investor Education and Protection Fund or as otherwise directed by RBI, while balances in expired PPIs shall not be forfeited and may be refunded within two years from expiry upon customer request.
• Transactions will not be permitted on expired cards.
• Customers may request renewal or replacement of an expired PPI (including Wallets) after verification and payment of applicable fees.
• EnKash will notify customers 45 days before PPI expiry through SMS, email, or in-app alerts.
• Upon Customer request, refunds will be credited to the verified source bank account following due diligence, completion of necessary KYC, and in accordance with prevailing regulatory requirements.
• If the EnKash PPI program is wound up or directed by RBI to cease operations, customers may redeem the outstanding balance to their verified bank account.

• You may request closure of your EnKash PPI Products at any time via the EnKash Platform or by contacting us at [email protected]. We will process the request as per the RBI Master Directives.
• Upon closure, any remaining PPI Balance will be transferred to your verified bank account (for Full-KYC PPI) or refunded as per RBI limits, after deducting applicable fees and charges.
• We may terminate or suspend your access unilaterally if:
  • You violate these Terms, Applicable Laws, or Our policies.
  • For inactivity as per Section 13.
  • Due to fraud, money laundering suspicion, or regulatory requirements.
  • In case of Force Majeure or operational issues.
• Upon termination, any unused balance may be forfeited if not claimed within the stipulated period, in accordance with applicable regulatory guidelines, network rules, and other prescribed rules. No interest or compensation is payable.
• PPI validity is 3 years from issuance or last reload/activity, after which it expires, and balances may be handled as unclaimed.
• You may also note that Enkash reserves the right to terminate Your Enkash Wallet in case of violation of any terms of the Agreement or any rule/policy issued by the RBI or Government of India or any other concerned body or any order/ directive issued by any LEA or other authority, and in such event, any balance in Your Enkash Wallet shall be credited back to Your bank account linked to the Enkash Platform. In such an event, Enkash might report any information/ records (including details relating to Your account, KYC, transaction etc.) to the concerned authorities/ regulators. We may also freeze Your Enkash Wallet balance until given a clearance by the concerned body/authority.
• In the event that Your Enkash Wallet is due for expiry on the grounds as set out herein, Enkash shall caution You of such impending expiry at reasonable intervals during the 45 (forty-five) days period prior to the date of expiry by sending a communication in this regard via e-mail/phone/notification or any other method of communication which is permissible. In the event that there is an outstanding balance in Your Enkash Wallet subsequent to the expiry, You may at any time request Enkash to initiate a refund of the outstanding Enkash Wallet balance and the aforesaid balance will be transferred to a bank account that You had either linked to Your Enkash Wallet previously or the bank account details You have provided to Enkash at the time of raising the request for refund. Enkash further reserves the right to move your Enkash Wallet to Debit Only mode if You are involved in any suspicious transaction and/or any transaction in gross violation of the rules and regulations issued by the RBI governing the use of Pre Paid Payment Instruments including but not limited to rules and regulations under Prevention of Money Laundering Act, 2002 and any amendments thereto or in case of any discrepancy noted in Your information/ KYC. In such an event, Enkash may report the matter to RBI/ appropriate authorities, and take appropriate account action, until the receipt of findings, and clear report from RBI/ authorities in this regard.
• In case Your Enkash Wallet has no financial transaction within the last 12 months, Your Enkash Wallet shall be flagged as inactive and You can operate Your Enkash Wallet only after completing appropriate due-diligence process defined by Enkash from time to time. Your Enkash Wallet balance shall be maintained securely with Us and any pending refunds will still be credited to Your Enkash Wallet and You shall continue to receive all communications from us, including promotional communications. However, You would not be able to use Your inactive Enkash Wallet for any transactions including loading of Your Enkash Wallet, without undergoing such due-diligence. In the event that Your Enkash Wallet is flagged as inactive and Your mobile number associated with such Enkash Wallet has changed, You will be required to complete the appropriate due-diligence process defined by Enkash from time to time. Upon completion of such process, Your Enkash Wallet will be closed immediately as per the process set out in these Wallet ToUs after which You may initiate the process to open a new Enkash Wallet.

• We are not liable for any loss, damage, or inconvenience arising from:
  • Your negligence, unauthorised use, or failure to report issues promptly.
  • Force Majeure Events, system failures, network issues, or third-party actions (e.g., merchants, banks).
  • Merchant disputes, quality of goods/services, or delays in refunds.
  • Any indirect, consequential, punitive, or special damages.
• Our liability, if any, is limited to the PPI Balance amount in cases of proven gross negligence on Our part.
• You agree to indemnify, defend, and hold Us, Our affiliates, officers, directors, employees, and agents harmless against any claims, losses, damages, liabilities, costs, or expenses arising from Your misuse of the EnKash PPI Products, breach of these Terms, violation of Applicable Laws, or third-party claims.
• We disclaim all warranties, express or implied, including merchantability, fitness for purpose, or non-infringement regarding the EnKash Platform, PPI Products, or integrated services.

• Your personal data is collected, processed, stored, and shared in accordance with our Privacy Policy at https://www.enkash.com/policies/privacy-policy, which complies with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
• We may collect data such as KYC documents, transaction history, device information, and location for service delivery, fraud prevention, and compliance.
• You authorize EnKash, its group entities, affiliates, and authorized service providers to collect, process, share, and retain your personal and transactional information (including identity, account, and payment details) with third parties solely for operational, regulatory, verification, settlement, compliance, fraud monitoring, or payment processing purposes, in accordance with applicable laws and data retention requirements.
• Any non-essential data sharing (for marketing, analytics, or promotions) shall occur only with the Customer’s explicit opt-in consent.
• We implement reasonable security practices to protect data but are not liable for breaches beyond our control. This indemnity shall not extend to losses caused by EnKash’s negligence or system failures.
• All personal data will be handled in accordance with the Digital Personal Data Protection Act, 2023, RBI data privacy guidelines, and EnKash’s Privacy Policy.
• For further information and escalations, customers can reach out to the Data Protection Officer, EnKash: Mr Arockiaraj Martin (Contact: [email protected]).

• All rights, title, and interest in the EnKash Platform, trademarks (e.g., "EnKash"), logos, software, and content are owned by Us or Our licensors.
• You are granted a limited, non-exclusive, non-transferable license to use the Platform for personal use only.
• You shall not copy, modify, distribute, or create derivative works without Our written consent.

Unresolved complaints may be escalated to the Nodal Officer or to the RBI Ombudsman as per the Integrated Ombudsman Scheme, 2021

• You agree and understand that Enkash, based on its internal policies, regulatory and statutory guidelines, may report information/ transactions to appropriate authorities in case of any suspicious or fraudulent transactions, and We shall not be made liable for any loss caused to You for such obligatory reporting by Us, even if any such transaction is found to be regular and lawful at a later stage.
• While executing any transaction, You must ensure the availability of sufficient funds on Your Enkash Wallet or other sources of funds that You use to execute any transaction.
• You understand that the services offered by Enkash on Enkash application uses internet connection, service providers and partners to successfully execute Your transactions, and We shall not be responsible for any liability arising therefrom, including but not limited to any loss or interruption of the Enkash Wallet services or the unavailabiliThese general terms and conditions shall apply to the Enkash Wallet in addition to the terms mentioned above.
• Your login credentials are personal to You and You should ensure Your login credentials are safe and secure. You are responsible for security of Your Enkash Wallet, and shall take all steps to keep the details secure including the devices that You may use to access Your Enkash account. Further, You shall not disclose Your account access credentials to anyone in any form, whether verbally or in writing, and shall not record it in any other form. In case You divulge such details in error or due to negligence, You shall immediately report the activity to Enkash. However, Enkash shall not be liable for any unauthorised transaction performed by any third party with Your secure account access credentials.
• We may monitor Your transaction(s) for probable risky/fraudulent/ suspicious transactions. Basis Our continuous transaction monitoring, We may take any action as we deem fit, such as place a hold on transaction(s), block or reject such transaction(s), temporarily block Your Enkash Wallet or account (or access thereto), and ask You for more information regarding You and Your funding source before releasing/reinstating Your account/transaction where applicable. You shall also note that Your account could also be temporarily or permanently blocked basis abuse/ misconduct against any employee, company, or incorrect declaration by You, and We shall not be liable for any loss caused to You due to this.
• Any unavailability of EnKash Wallet services caused by mobile or internet issues, or by non-responsiveness of merchant websites or applications.
• You understand that the information that You share for availing Enkash Wallet services might be shared with third parties inter alia, to facilitate the provision of such services and in such case, data policies of service providers shall also apply to such transactions and You are required to update Yourself of their policies and You acknowledge that You understand that Enkash would not have any control on data sharing and use in such case.
• You further agree and acknowledge that Your bank/financial institution may charge fee(s) or charge(s) against any transaction, and Enkash shall not be liable to acknowledge or refund such fee(s)/ charges and the same shall be borne You in all circumstances, or as per the terms agreed between You and Your bank/ financial institution.
• Funds loaded into Your Enkash Wallet and spent on Enkash application or partner Merchants for services offered by them are conducted over the internet and involve multiple stakeholders including but not limited to Your Bank, service providers, internet services, telecom operator etc. You understand that transaction confirmations and acknowledgements may not always reflect service delivery due to the possibility of failures at multiple points. In such cases, Enkash is not liable for any loss caused due to inefficiencies / process failures at other such stakeholders and Enkash shall credit the funds or recover the funds from You in such cases and shall apply appropriate limits/restrictions on Your Enkash Wallet or account accordingly at its own discretion, and can take appropriate legal actions to collect the amount due (if any), to the extent allowed by applicable law.
• You can view Your Enkash Wallet transactions in Your Enkash app, and can also review transactions for at least the past 6 (six) months.
• All categories of Enkash Wallets are non-transferable in nature, except the ones that are unclaimed, and no interest is payable on the outstanding Enkash Wallet balances.
• Your account is secured, and any transaction that is processed on Your Enkash Wallet shall be authorized by You explicitly or processed via RBI notified debit mandates authorised by You on Your Enkash Wallet and permitted by Enkash.
• While, the continued availability of the Enkash Wallet shall be subject to the requirements under applicable law and MD-PPIs, 2021, Enkash reserves the right to suspend/discontinue the Enkash Wallet or access thereto, at any time, for any cause, including but not limited to the following-
  • For any violation or suspected violation of the rules, regulations, orders, directions, or notifications issued by RBI from time to time, or for any violation of any Wallet ToUs and/or the Agreement.
  • Any suspected discrepancy in Your particulars, KYC documentation, or information provided by You.
  • To combat potential fraud, sabotage, wilful destruction, threats to national security, or any other force majeure event.
  • EnKash, in its sole opinion and discretion, believes that cessation, suspension, or restriction of Your Enkash Wallet is necessary for any other legitimate purpose.
• In case of any changes in Your information provided Enkash, You will promptly update such changes, in writing, to Enkash by reaching out to Our Customer Support team. If You plan to surrender or deactivate Your mobile number, as Enkash does not support any change of the mobile number that You have registered with Enkash, please reach out to Our Customer Support team in advance to initiate Your account closure process. Once the closure is completed, You may initiate the process for creation of a new account. Do also reach out to us immediately in case You lose Your mobile device, so We can take appropriate action on Your Enkash account, Enkash Wallet.
• You agree that, upon any closure or winding up of any Prepaid Payment Instrument as notified by the regulator or due to any other circumstances provided under law, the outstanding balance (if any) shall be handled as per any instruction by the regulator/ under law or as per Enkash policy.

• Enkash may communicate with You on the contact information that You may have provided to Us during the course of Your engagement, including but not limited to signup, transacting or availing any third party products or services on or through the Enkash Platform.
• We will send You communication alerts via emails or SMS or push notifications or via any other technology. You also agree that there can be disruption in communications due to factors that are not under Our control, including but not limited to Your phone being switched off, incorrect email address, network interruptions. You agree not to hold Enkash liable for non-delivery of any alert or any loss suffered by You due to delay, distortion or failure of communication.
• You further acknowledge that You are responsible for the contact details shared with Us and shall immediately update Us on any change of Your contact details. You authorise Us to contact You and communicate with You for any Enkash service or offer(s). We may use third party service providers to send alerts or to communicate with You. You authorise Enkash and Enkash entities to override the DND settings to reach out to You over calls, SMS, emails and any other mode of communication.

• These Terms are governed by the laws of India, without regard to conflict of laws principles.
• Any disputes arising out of or in connection with these Terms shall be resolved through arbitration by a sole arbitrator appointed by Us, in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The venue of arbitration shall be Mumbai, and proceedings shall be in English.
• Subject to arbitration, the courts in Mumbai shall have exclusive jurisdiction.
• You agree that no injunction or specific performance shall be sought against Us except through arbitration.
• Disputed transactions must be reported within 30 Business Days of the transaction date.
• For unauthorized or fraudulent transactions, Customers shall raise a dispute within 10 days.
• EnKash may, at its discretion, review disputes reported after the standard period in cases of delayed discovery or genuine hardship.
• All disputes shall be investigated and resolved as per RBI timelines and communicated to Customers via their registered channel.
• Disputes unresolved by EnKash may be escalated under the RBI Integrated Ombudsman Scheme.
• To report a dispute, chargeback, or fraud, Customers can raise a request at https://www.enkash.com/support, or alternatively contact EnKash support by writing to [email protected] or calling +91-85304-90475.

• Entire Agreement: These Terms, along with referenced policies, constitute the entire agreement between You and Us, superseding any prior agreements.
• Severability: If any provision is held invalid or unenforceable, the remaining provisions shall remain in full force.
• Assignment: We may assign or transfer these Terms or Our rights/obligations without Your consent. You may not assign without Our prior written approval.
• Waiver: No waiver of any breach shall constitute a waiver of any prior, concurrent, or subsequent breach.
• Notices: All notices from Us will be sent via email/SMS to Your registered details or posted on the EnKash Platform. You must notify Us in writing at [email protected].
• Survival: Provisions on liability, indemnity, intellectual property, governing law, and confidentiality shall survive termination.
• Force Majeure: We shall not be liable for delays or failures due to Force Majeure Events.
• No Agency: Nothing herein creates an agency, partnership, or joint venture between You and Us.
• Contact: For any assistance, reach Us at [email protected].

• Keep Your Credentials Confidential:
  1. Never share OTP, PIN, CVV, password, or any login detail with anyone.
  2. Banks, issuers, RBI, or law-enforcement will never ask for these details.
  3. Do not write your PIN on the card or store screenshots of credentials.
• Beware of Phishing & Fraud Calls:
  1. Avoid clicking random links claiming “KYC update”, “card deactivation”, “refunds”, “offers”.
  2. Do not trust unknown callers pretending to be bank agents.
  3. Always verify the official customer care number on the issuer’s website/app.
• Protect Your Physical Card:
  1. Keep the card in a safe place; avoid giving it to unauthorized persons.
  2. Cover the keypad while entering PIN at POS terminals or ATMs.
  3. Report immediately if the card is lost, stolen, or misplaced.
• Enable Transaction Alerts:
  1. Turn on SMS/email/app notifications for every transaction.
  2. Regularly review statements for suspicious transactions.
  3. Immediately report unfamiliar or unauthorized charges.
• Use Secure Networks:
  1. Avoid using public Wi-Fi when accessing your wallet/card app.
  2. Use only the official issuer’s app or website.
  3. Keep your phone updated with the latest OS and security patches.
• Practice Safe Online Spending:
  1. Shop only on trusted e-commerce platforms.
  2. Verify the website begins with https:// and shows a lock icon.
  3. Prefer tokenized cards or secure payment gateways when available.
• Set Strong Authentication:
  1. Use strong passwords (mix of letters, numbers, symbols).
  2. Enable biometric login where possible.
  3. Do not use guessable PINs like 0000, 1234, DOB, mobile number, etc.
• Be Cautious of Freebies, Cashback & Reward Scams:
  1. Fraudsters often promise free vouchers, gift cards, cashbacks, or limits.
  2. If an offer sounds “too good to be true,” it probably is.
• Report Fraud Immediately:
  1. If you suspect misuse, contact the issuer within minutes.
  2. Block the card using the EnKash mobile app, online portal, or helpline.
  3. File a complaint if money is debited without your permission.

Awareness Tips for Cardholders:

• Issuers never ask for screen sharing apps (AnyDesk, TeamViewer).
• Do not allow strangers to "help" you at ATMs or POS machines.
• Don’t trust QR codes sent over WhatsApp/SMS for receiving money — scanning a QR code is for paying, not receiving.
• Keep your mobile number and email updated with the issuer.
• Understand transaction limits and keep only the required funds loaded.
• Avoid storing your card’s front/back photos on your phone gallery.

• Company Policy: Refers to the employer’s or sponsoring organization’s internal guidelines governing reload, usage, and eligibility of PPIs (Cards or Wallets).
• Renewal / Revalidation: Extending the validity of a PPI (e.g., Gift or Wallet) upon Customer request, including reissuance of a new PPI with transferred balance.

Customers are encouraged to refer to the FAQ section on ( https://www.enkash.com/) for practical guidance on validity, renewal, and refund processes.

By using the EnKash PPI Products, You confirm that You have read, understood, and unconditionally agree to these Terms.

If you have any questions, please contact us before proceeding.