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Terms and Conditions

Last Updated: January 2025

Welcome to BillCity (www.billcity.in), a service operated by PayKaro India. By using our platform, you agree to the following terms:

1. Services

BillCity provides online recharge, bill payment, DTH recharge, money transfer, and wallet services. All transactions are processed through authorized payment gateways and telecom operators.

2. User Account

• Users must register with valid mobile number, email, and identity proof.
• You are responsible for maintaining the confidentiality of your account credentials.
• Sharing account details with third parties is strictly prohibited.

3. Transactions

• All recharge and bill payments are subject to availability from respective service providers.
• BillCity is not responsible for failures caused by telecom operators or utility companies.
• Transaction charges, if any, will be displayed before confirmation.
• Once a recharge or bill payment is successfully processed, it cannot be reversed.

4. Wallet Services

• BillCity Wallet can be used for payments within the platform.
• Wallet balance is non-transferable and non-refundable except as per RBI guidelines.
• Maximum wallet balance limits are as per applicable regulations.

5. Commission & Business Partners

• Distributors and retailers earn commission as per the agreed slab structure.
• Commission rates may change with prior notice.
• Misuse of the platform will result in immediate account suspension.

6. Limitation of Liability

BillCity shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services. Our maximum liability is limited to the transaction amount in question.

7. Contact

For queries regarding these terms, contact us at billcitydesk@gmail.com or call +91 7440999977.

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Grievance Redressal Policy

Last Updated: January 2025

BillCity is committed to providing excellent service. If you face any issues with our recharge, bill payment, or wallet services, please follow the grievance redressal process below:

1. Level 1 - Customer Support

• Email: billcitydesk@gmail.com
• Phone: +91 7440999977
• Response Time: Within 24-48 working hours
• Please provide your registered mobile number and transaction ID for faster resolution.

2. Level 2 - Grievance Officer

If your complaint is not resolved within 48 hours, you may escalate to our Grievance Officer:

• Email: billcitydesk@gmail.com (Subject: "Grievance Escalation")
• Resolution Time: Within 7 working days

3. Types of Grievances Handled

• Failed recharge but amount debited
• Wrong number recharge
• Bill payment not reflected at service provider
• Wallet balance discrepancy
• Commission related disputes (for distributors/retailers)
• Money transfer failures

4. Resolution Process

Every complaint will be assigned a unique ticket number. We will investigate with the respective service provider and update you on the status. Most complaints are resolved within 3-7 working days.

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Refund & Cancellation Policy

Last Updated: January 2025

1. Recharge Transactions

• Successful Recharge: Once a recharge is successfully processed and confirmed by the operator, it cannot be cancelled or refunded.
• Failed Recharge: If amount is debited but recharge fails, the amount will be automatically refunded to your BillCity Wallet within 24-48 hours.
• Pending Recharge: If a transaction remains pending for more than 24 hours, please contact our support team with the transaction ID.

2. Bill Payments

• Successful Payment: Bill payments once processed cannot be reversed. The amount is credited to the utility provider directly.
• Failed Payment: Refund will be processed to your BillCity Wallet within 3-5 working days.
• Duplicate Payment: If you have made a duplicate bill payment, contact support with both transaction IDs. Refund for the duplicate amount will be processed within 7 working days.

3. Money Transfer

• Failed Transfer: Amount will be refunded to source account within 5-7 working days.
• Wrong Account Transfer: BillCity is not responsible for transfers made to wrong account numbers. Please verify details before confirming.

4. Wallet Refund

• Refunds are primarily credited to BillCity Wallet.
• Wallet balance refund to bank account may take 7-10 working days and is subject to applicable charges.

5. How to Request Refund

Email us at billcitydesk@gmail.com with your registered mobile number, transaction ID, and transaction date. Our team will process your request within the timelines mentioned above.

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Privacy Policy

Last Updated: January 2025

PayKaro India ("BillCity", "we", "our") respects your privacy. This policy explains how we collect, use, and protect your personal information on www.billcity.in.

1. Information We Collect

• Personal Information: Name, email, mobile number, address, and identity documents during registration.
• Transaction Data: Recharge numbers, bill account numbers, payment amounts, and transaction history.
• Device Information: IP address, browser type, and device information for security purposes.

2. How We Use Your Information

• To process your recharge, bill payment, and money transfer requests.
• To maintain your wallet account and transaction records.
• To send transaction confirmations and important service updates via SMS/Email.
• To prevent fraud and ensure platform security.
• To comply with regulatory requirements (KYC/AML as per RBI guidelines).

3. Information Sharing

• We share transaction details with telecom operators and utility companies only to process your requests.
• We may share information with payment gateway providers for transaction processing.
• We do NOT sell your personal information to third parties for marketing.
• We may disclose information if required by law or government authorities.

4. Data Security

We use industry-standard encryption (SSL) and secure servers to protect your data. Your password is stored in encrypted format. We regularly audit our security practices to ensure your information is safe.

5. Your Rights

• You can access and update your personal information through your account.
• You can request deletion of your account by contacting our support.
• You can opt-out of promotional communications.

6. Cookies

Our website uses cookies to improve user experience and analyze traffic. You can disable cookies through your browser settings.

7. Contact Us

For privacy concerns, contact us at billcitydesk@gmail.com or call +91 7440999977.

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