Terms & Conditions

By accessing or using RkvMoney, the user agrees to these Terms & Conditions, Refund Policy, Cancellation Policy and Privacy Policy.

1. Services

RkvMoney provides digital recharge, wallet, bill payment, BBPS, support, complaint, KYC and related services through third-party operators, billers, banks, payment gateways and API providers.

2. Account Responsibility

• The user must provide correct mobile number, email, KYC and profile details.
• The user is responsible for keeping OTP, password, security PIN and device access safe.
• RkvMoney may block, suspend or restrict an account in case of suspicious activity, wrong KYC, misuse, chargeback, fraud or policy violation.

3. Transaction Responsibility

The user must verify all transaction details before payment. RkvMoney will not be responsible for wrong mobile number, wrong consumer/account number, wrong operator, wrong biller, wrong state/circle or wrong amount entered by the user.

4. Wallet and Balance

Wallet balance can be used only for services available on RkvMoney. Wallet ledger and transaction logs maintained by RkvMoney will be treated as primary records for support and dispute review.

5. KYC Requirement

RkvMoney may require Aadhaar/Digilocker or other approved KYC before allowing wallet, recharge, bill payment or higher-limit services. If KYC is incomplete, services may be restricted.

6. Provider Dependency

Service delivery depends on provider/operator/biller/API/gateway systems. RkvMoney is not liable for delays, downtime, incorrect provider response, biller posting delay, late fee, disconnection, duplicate bill or provider-side rejection.

7. Refund, Cancellation and Cashback

Refund and cancellation will be handled as per RkvMoney Refund Policy and Cancellation Policy. Cashback, referral benefit, commission or discount may be reversed if a transaction is refunded, failed or disputed.

8. Prohibited Use

• Fraud, illegal transactions, false KYC, unauthorized use or misuse of another person's details is prohibited.
• Automated abuse, duplicate complaint spam, chargeback misuse or API misuse is prohibited.
• RkvMoney may report suspicious activity to concerned authorities or service partners where required.

9. Limitation of Liability

RkvMoney will not be liable for indirect loss, business loss, penalty, late fee, disconnection, service interruption or third-party provider issues. RkvMoney's liability, if any, will be limited to the eligible transaction amount available for refund as per system/provider records.

10. Changes to Terms

RkvMoney may update these terms at any time. Continued use of the website or app after changes means the user accepts the updated terms.