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Terms and Conditions

Welcome to www.krazybee.com.


These terms and conditions govern your use of the website, www.krazybee.com, content and services offered by Finnovation Tech Solutions Private Limited (“us”, “we”, or “Company”) through the website, KrazyBee Easy EMI for Students mobile application platform and/or any mobile or internet connected device or otherwise (“Website”). By visiting, availing services or browsing at Website you automatically have accepted these conditions.

Please read the term and conditions carefully. While using any current or future services offered by Website, whether or not included in the Website, you will abide by these Terms & Conditions the guidelines and conditions applicable to such service or business.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms & Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms & Conditions constitutes your acceptance of such changes.

 

TERMS AND CONDITIONS ARE BINDING FOR ALL PURCHASES

This Website operated by the Company is a marketplace which connects the retail consumers looking to purchase consumer products with the non-banking financial companies (“NBFC”) looking to finance such consumer durable loans and other related loans. The Company is not engaged in the business of extending loans to the consumers and all the terms of such loans being disbursed through the Website are governed by the loan agreements executed between the partner NBFCs and the consumers. The Company is also not engaged in the business of selling any goods or products on its Website. All products displayed on its Website are the products being sold on other third party websites being sold by the sellers of such websites.


Company is the technology partner to its NBFC partners and provides the KrazyBee technology platform, which allows you to buy goods or services offered by online e-commerce merchants and e-wallets with whom Company partners. At no point is Company representing itself as a lending company or engaged in any financial services. Please refer to your loan agreement for details on your contract with the Financing Partner.


Any loans being processed through the Website are approved at the sole discretion of the NBFC partner of the Company (“Financing Partner”). Company may, under the instructions of the Financing Partner, also cancel your transactions at any time before a merchant delivers any goods or services if you violate any term of these Terms and Conditions or the agreement executed with Financing Partner (“Loan Agreement”).


You agree to allow Company, on behalf of the Financing Partner, to send you payment reminders from time-to-time. You also agree that if you fail to pay an amount owed to the Financing Partner, pursuant to this Agreement or the Loan Agreement, Company may engage in collection efforts to recover such amounts from you on behalf of the Financing Partner.

 

PRIVACY POLICY

Please review our Privacy Policy, which also governs your visit to Website, to fully understand our privacy practices.

 

ELECTRONIC COMMUNICATION

When you visit Website or send e-mails to us, you are communicating with us electronically. By communicating with us, you consent to receive communication from us electronically. We will communicate with you by e-mail or by posting notices on our website, via SMS, WhatsApp or any other mode of electronic communication. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.


You hereby express your intent to know through telephonic calls, or SMS on your mobile number mentioned in the application form, as well as in this undertaking, or through any other communication mode, various Company offer schemes or promotional schemes, or any other promotional schemes and hereby authorize Company and its employee, agent, associate to do so. You confirm that laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) as laid down by Telecom Regulatory Authority of India will not be applicable for such communication/calls/SMS received from Company, its employees, agents and/or associates.

 

PROHIBITED USE

As a condition of your use of the Website, you will not use the Website for any purpose that is unlawful or prohibited by these Terms & Conditions or by any domestic or international laws, statues, ordinances and regulations. Your use of the Website is your responsibility.


You shall not, display, upload, modify, publish, transmit, update or share any information on the Website, that –

 

Belongs to another person and to which you do not have any right

 

Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner

 

Involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming" or unsolicited commercial advertisement

 

Harms minors in any way

 

Infringes any patent, trademark, copyright or other proprietary rights

 

Violates any law for the time being in force

 

Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature

 

Impersonates another person

 

Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.

 

PRICES

All prices for the products sold on the websites of our e-commerce partners which are posted on this Website are subject to change without notice by the relevant sellers of such products. The selling price is provided on the Website on 'as is' basis as provided by the relevant seller and Company. However, while purchasing a product, the price prevailing at commencement of placing the order will apply. Posted prices include all taxes and charges. However, this does not include any additional delivery charges that the e-commerce vendors may charge in respect of the delivery of the products. This information can be obtained from the partner website from where you have initiated the order request. The product’s price that the customer needs to pay is the price in the partner website at the time of down payment of the product and NOT the time when the order was placed.


Company will not, at any point of time during any transaction between you and the relevant seller of products sold on the websites of our e-commerce partners, come into or take possession of any of the such products offered by such seller, nor does it, at any point, gain title to or have any rights or claims over the products offered by such sellers.

 

PAYMENT

Any down payment required to be made by you shall be as per the discretion of the Financing Partner and shall be governed by the terms of disbursement of the loan agreed between Financing Partner and you. Any communication to the seller of the products will be made by the Company only upon receipt of specific instruction by the Financing Partner with respect to the order being placed by you.

 

RETURNS & REFUNDS

Returns/refunds for delivered products are subject to the discretion of the e-commerce partner and as per their returns policy. If there is no return allowed by the e-commerce partner, then no return of the loan product will be allowed. However, the liability of the loan is that of the product owner's only.


Any recharge done or gift card issued by the e-commerce partner will be governed by the refunds policy of the partner. You are advised to read the terms and conditions on the website of such partner. This includes cases where the customer has given the wrong email or phone number. The product owner holds the responsibility to provide right information to the Company to ensure that the order fulfilment is done appropriately.


If the product has not been delivered, refunds are possible. However, there will be loan cancellation fees of 5% of the loan amount that will be deducted by the Financing Partner on the refund amount.

 

REPLACEMENTS

If the product delivered from the e-commerce partner is found to be defective or not as per expectations, replacement requests for the same shall be entertained only if they satisfy the e-commerce partner Replacement Policy.

 

LICENSE AND WEBSITE ACCESS

Website grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Website.


No license for commercial sale: This license does not include any resale or commercial use of this Website or its content; any collection and use of any product listing, description, or pricing; copying of account information for the benefit of another merchant; or any use of data mining, or similar data gathering and extraction tools.


No framing: You may not frame or utilize framing technologies to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Website and its affiliates without the express written consent.

 

REPRESENTATIONS, WARRANTIES AND UNDERTAKINGS

You represent that you are above 18 years of age and this Agreement is a legal, valid and binding obligation on you, enforceable against you in accordance with its terms. 


You agree to use the Services only for purposes that are permitted by:
(i) this Agreement; and,
(ii) any applicable law. 



You understand that Company does not provide any warranties for its Services and shall not be made liable for any claims made by you or any third party, and in this regard, you undertake to accept and be solely liable for the Services availed by you from Company. The Company Services are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.


You undertake to indemnify and hold harmless Company, its affiliates and their respective directors, officers, employees, agents and representatives against all damages suffered or losses incurred by Company arising due to any act, omission or claim initiated by you or any third party in relation to the Services availed by the you.

 

CREDIT INVESTIGATION AND REPORTING

By using the platform www.krazybee.com, you give Company, on behalf of the Financing Partner, permission to investigate your credit record and obtain your credit report in connection with the review of your application for credit. A credit report may also be requested in connection with a credit extension, credit limit request, account renewal, account collection action or dispute investigation. You understand that Company may report negative information (such as late payments, missed payments, or other defaults) about your account to credit reporting agencies.

 

ENQUIRY

You hereby authorize Company, on behalf of the Financing Partner, to make any enquiries with any other finance company / bank / registered credit bureau regarding your credit history with them.


By using the Website or Services, you authorize Company, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with our Privacy Policy. This may include asking you for further information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying your information against third party databases or through other sources. We may also ask you for identifying documents to help us validate your identity. Company reserves the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information.


You agree to provide unconditional and absolute consent to Company to use and share the information provided by you in relation to the Services. Company shall take all reasonable steps to ensure that the information received from you is secure, and is accessible only to the relevant persons.

 

LIABILITY

Company shall not be responsible or liable in any manner to the users and/or visitors for any losses, damage, injuries or expenses incurred by the users as a result of the services or any disclosures made by Company and the users agree not to hold Company responsible or liable in any way for any disclosures made by Company. The services provided are provided "as is," and without any warranties or conditions (express or implied, including the implied warranties of merchantability, accuracy, fitness for a particular purpose, title and non-infringement, arising by statute or otherwise in law or from a course of dealing or usage or trade). Company does not verify any content or information provided by the lending institution or the users on the website and to the fullest extent permitted by law, disclaims all liability arising out of the users use or reliance upon the website, the services, the website’s content, representations and warranties made by Company or any opinion or suggestion given or expressed by Company.

 

TAKEDOWN POLICY

If you believe that there is any content available on the Website which is contrary to Company's policies or applicable law, then please notify to the Grievance Officer at the email ID provided in the Privacy Policy. When you send such notice, please ensure that your notification contains the following details:


Your name, email ID, phone number and postal address;

The exact nature of the objectionable content and the exact location (including the relevant web page) where it appears;

Why you consider the content to be objectionable.


We will evaluate the contents of the notice and may take such action as we deem appropriate in keeping with our policies and applicable law which may include, asking further details from you or taking down the content that was the subject matter of your notice.

 

FREE GIFT TERMS & CONDITIONS

Company will not be liable for any loss or damage whatsoever which is suffered (including but not limited to direct or consequential loss), or for personal injury suffered or sustained, to the customer as a result of taking the gift. All free gifts are subject to availability, non-transferable, non-replaceable and there are no cash alternatives. Company reserves the right to replace any free gift (in whole or in part), with any other free gift of similar value, in the event of difficulties outside its control in obtaining the free gifts offered, in particular, in the event of supply shortages whether or not temporary.

 

THIRD PARTY MATERIALS

Certain content, products and services available via Company Service may include materials from third parties.


Third-party links on this site may direct you to third party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third party materials or websites, or for any other materials, products, or services of third parties.


Linked sites are not under the control of Company and Company is not responsible for the contents of any linked site or any link contained in a linked site. Company provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Company. Any offsite dealings with such third parties is at your own risk. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third party websites. Please review carefully the third party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

 

DISPUTES

In the event that the Company receives any notice or communication from the customer pertaining to any dispute concerning the gift cards, the Company will forward the same to the relevant e-commerce partner. The Company will not be involved in any further inquiry or resolution of the dispute in terms of the gift cards, as this will be handled solely by the e-commerce partner to whom such notice or communication is forwarded. For further information regarding the same, please refer to the website of the relevant e-commerce partner. All disputes on delivery of any product shall be governed by the terms of the delivery as agreed between the seller of the product and you.


These Terms & Conditions and any separate agreements whereby we provide you any services shall be governed by and construed in accordance with the laws of India and jurisdiction of Bangalore, Karnataka.


You agree to indemnify, defend and hold harmless Company and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms & Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

 

MISCELLANEOUS

We may in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms & Conditions.

 

GENERAL

Any failure by us to exercise or enforce any right or provision of these Terms & Conditions shall not constitute a waiver of such right or provision. These Terms & Conditions and any policies or operating rules posted by us on the Website or in respect to Company Service constitutes the entire agreement and understanding between you and us and govern your use of Company Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms & Conditions). In the event that any provision of these Terms & Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms & Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions. Any ambiguities in the interpretation of these Terms & Conditions shall not be construed against the drafting party.

Most Important “Terms and Conditions” for YES Bank Prepaid Instruments

1.

Definitions

Prepaid Instrument (PPIs): PPIs (Card/wallet) are payment instruments that facilitate purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments.

Know your Customer (KYC): The guidelines adopted by the Bank to identity the customer and verify the identity of the customer.

Personal Identification Number (PIN): PIN is a numeric password which is part of the kit handed over to customer by the bank while issuing the PPI. 

Holder: Individuals/Organizations who obtain/purchase PPIs from Bank and use the same for purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments.

2.

Obligation of the Prepaid Customer who purchases Prepaid Instrument from the Bank:

a.

Prepaid Instrument (PPI) shall be issued to a Customer at the sole discretion of the Bank post complying with “Know Your Customer” guidelines.

b.

The Bank shall levy fees for issuance/usage of the Prepaid Instrument as per Schedule of Charges displayed on Bank/Partner website and available on website “Terms & Conditions”.

c.

The Bank shall issue a PIN to Customer for operating the PPI. The Customer shall take reasonable precaution to prevent misuse of the PIN. The Customer shall be solely responsible for any consequences arising directly or indirectly out of the disclosure of the PIN and/or unauthorized use of PPI as a result of any misuse for want of reasonable care and precaution. The Customer disclaims liability of the Bank for any unauthorized use of Prepaid Instrument and for any loss or damage incurred directly or indirectly as a result of such misuse. .

d.

The Customer shall be responsible for safe custody of the Prepaid Instrument. In case of loss or theft of the Prepaid Instrument or misuse of the Instrument, the Customer shall immediately inform any of the branches /contact center of Bank. Customer shall be responsible and liable for all unauthorized transactions till the customer reports the unauthorized transaction to the Bank. A new Instrument shall be issued to the Customer, in lieu of lost/stolen PPI upon request in writing and payment of applicable fee as per the Schedule of Charges.

e.

The PPI can be used at any of the Yes Bank ATMs or network ATMs for permitted transactions depending on the type and features of the PPI. The chargeslip dispensed by the ATM during usage of the PPI shall not be construed as an evidence of the transaction. The records of transactions maintained by the Bank shall be conclusive and binding for all purpose.

f.

The Bank shall not pay any interest on the balance outstanding in the Prepaid Instrument at any point in time.

g.

The Bank will intimate the Customer through a SMS on the regd. mobile number, 45 days prior to expiry of validity period of the PPI. Customer needs to utilize the balance amount prior to expiry of the instrument. In case Customer does not utilize the balance amount within the validity period, the Customer can approach the bank for refund/transfer of outstanding balance. In case the Customer does not approach the bank within a specified period as prescribed by regulator, the outstanding balance will be transferred to a fund in compliance with the regulatory guidelines.

h.

Any claim for compensation made by the customer shall be settled purely as per the provisions of the Compensation Policy of the Bank.

3.

Confidentiality: The Customer hereto shall keep strictly confidential all information including but not limited to that which may be disclosed or confided to it by the other in the course of the performance of the obligations under this ‘“Terms and Conditions”’. Neither the Customer nor Yes Bank shall disclose the same to any third party without prior approval of the other party. This clause shall survive the termination of PPI issued by Yes Bank. The following are the exceptions to this clause:

a.

information already in public domain;

b.

such information as is required to be disclosed by the disclosing party under any laws, rules or regulations or pursuant to the order or direction, of any Court, authority, tribunal or forum.

4.

Change in information: The Customer shall also inform Yes Bank/Partner of any change in the Customers mailing address. Further, the Customer shall also inform Yes Bank about any change in the details such as name, telephone number, or mobile number.

5.

Prohibition against assignment: The functions, rights or obligations under these ‘“Terms and Conditions”’ shall not be assigned or delegated to any party or person by the Customer without the express prior written consent of Yes Bank. Any purported assignment or delegation in contravention of the terms of the ‘“Terms and Conditions”’ shall be null and void.

6.

Suspension or Termination or Cancellation or discontinuance of the PPI: Yes Bank may, if it is satisfied that it is necessary so to do, at any time and on such conditions as it thinks fit, suspend or deny or terminate the PPI under the following circumstances:

(i)

In the event of the Customer being declared insolvent or in the event Yes Bank receives any notice/intimation about the death of the Customer;

(ii)

In the event of the Customer committing breach of any of the terms, conditions, stipulations or its obligations under these ‘“Terms and Conditions”’

(iii)

In the event of any restriction imposed on the Customer by an order issued by any regulatory authority or a Court in India or any investigating agency.

7.

Indemnity: The Customer shall indemnify and keep Yes Bank, its directors, officers, employees and agents indemnified of, from and against any cost, expenses, charges, which Yes Bank is required to incur or has incurred to defend any such claim, suit, demand, prosecution, proceedings, due to any act of omission or commission, fraud, negligence or default on the part of the Customer as a holder of the PPI.

8.

Force Majeure: Notwithstanding anything contained herein, Yes Bank shall not be liable to the Customer for any harm, loss, damage or injury caused due to causes beyond its control such as tide, storm, cyclone, flood, lightning, earthquake, fire, blast, explosion or any other act of God, war, rebellion, revolution, insurrection, embargo or sanction, blockade, riot, civil commotion, labour action or unrest including strike, lock-out or boycott, interruption or failure of any utility service, enemy action, criminal conspiracy, act of terrorism or vandalism, sabotage, hacking, unanticipated technological or natural interference or intrusion, loss or damage to satellites, loss of satellite linkage or any other data communications linkage, loss of connectivity or any other irresistible force or compulsion.

9.

Service of Notice: Any notice or communication required to be given under this ‘“Terms and Conditions”’ shall not be binding unless the same is in writing and shall have been served by hand delivery against acknowledgement or by registered post at the Registered Office address of Yes Bank Limited (in case a notice is to be served to Yes Bank) and to address recorded with Yes Bank in case notice is to be served to the Customer.

10.

Grievance Redressal: Any complaint, dispute, grievance would be addressed to Yes Bank in accordance with the Banks Grievance Redressal policy. The Customer reserves the right to approach the Banking Ombudsman in case they are not satisfied with the resolution provided by the Bank.

11.

Governing Language: All deeds, documents and writings that may be executed and all correspondence that may be exchanged between the Customer and Yes Bank hereto in relation to the subject matter of this ‘“Terms and Conditions”’ shall be in English language, which shall be the governing language between the Customer and Yes Bank hereto.

12.

Governing Law and Jurisdiction: The use of PPI by the Customer shall be governed in all respects by the laws in force in India. The Customer agrees to submit to the exclusive jurisdiction of the courts in Mumbai. These ‘“Terms and Conditions”’ shall be subject to Government notifications, any rules, regulations, guidelines and circulars/notices issued by Yes Bank and rules, regulations, bye Laws, Operating Instructions and circulars/communiqués/notices issued by the regulator.

13.

Change of “Terms and Conditions”: Yes Bank reserves the right, in its sole and absolute discretion to amend, delete, modify, vary, or supplement any of the “Terms and Conditions” at any time and will endeavor to give prior notice of seven days for such changes.

14.

Contact Centre details: In case of any queries, please call toll free number 180030001113. You can also write to krazybee.support@yesbank.in. Details can be found on www.krazybee.com

15.

Please refer exhaustive “Terms and Conditions” displayed on website of YES BANK for the latest comprehensive applicable “Terms and Conditions”. The customer shall be deemed to have read and understood the exhaustive “Terms and Conditions” while dealing with Yes Bank.

TERMS AND CONDITIONS FOR YES BANK GPR PREPAID CARDS


The terms and conditions (hereinafter referred to as “Terms and Conditions”) mentioned herein is applicable to the usage of the “GPR Prepaid Card”, and required to be agreed to and accepted before its usage. The Terms and Conditions, specified below govern and constitute the entire agreement and/or arrangement between you and YES Bank in relation to the “GPR Prepaid Card”, as amended from time to time at the at the sole discretion of the YES Bank Limited.

By completing the sign-up process for availing the “GPR Prepaid Card”, you are deemed to have expressly read, understood and accepted each and every Terms and Conditions mentioned herein. You agree to be bound by all the Terms and Conditions mentioned herein, as may be amended from time to time, at the sole discretion of the YES Bank Limited.


I. DEFINITIONS

In this Terms and Conditions, unless the contrary intention appears and/or the context otherwise requires, capitalized terms defined by: (i) inclusion in quotations and/ or parenthesis have the meanings so ascribed; and (ii) the following terms shall have the meanings assigned to them herein below:


a) “Account” or “Card Account” refers to a prepaid account with an account balance equivalent to amount loaded on such PPI, for the purpose of monitoring the limits available on such PPI.

b) “Application Form” shall means as the context may permit or require, the GPR Prepaid Card application form submitted by the Customer to YES Bank for the purpose of applying for and/or availing the GPR Prepaid Card along with all requisite information, particulars, clarifications and declarations, if any, furnished by the Customer from time to time in connection with the GPR Prepaid Card.

c) “Business Day” means a day other than a Sunday or Public Holiday as defined under Section 25 of Negotiable Instrument Act, 1881 on which banks are open to transact business of banking.

d) “Charges” means such levy, costs and charges levied by YES Bank for usage of the GPR Prepaid Card, as amended from time to time.

e) "Cash Limit" shall mean the maximum amount of cash that the Customer can withdraw by using the GPR Prepaid Card on any given day or for such periods as may be stipulated by YES Bank from time to time, provided that in no event shall such amount be more than the amounts transferred to the GPR Prepaid Card issued to the Customer, after deducting the aggregate debits made thereon pursuant to the use of the GPR Prepaid Card by the Customer.

f) “Customer” or “Holder” shall mean any individual, limited liability partnership firm, partnership, society, company or any other organization or entity under applicable aws, who obtain/purchase PPIs from Bank and use the same for purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments

g) "Customer Care Centre" refers to Program Phone Banking Service provided by YES Bank for addressing all queries, complaints raised by the Customer or any details or information sought by the Customer in relation to the GPR Prepaid Card.

h) “Card Agreement” means the agreement or arrangement letter signed and executed by the Customer with YES Bank for issuance of the GPR Prepaid Card to its employees/ contractual staff and includes any amendments made thereto from time to time.

i) “Card” or “YES BANK GPR Card" or Prepaid Instrument (PPI) shall mean a Prepaid Instrument (“PPIs”-Card/wallet) are payment instruments that facilitate purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments as defined in the Master Direction on Issuance and Operation of Prepaid Payment Instruments dated December 29, 2017.

j) “EDC” or “Electronic Data Capture” means terminal, printer, other peripheral and accessory and necessary software on which the GPR Prepaid Card can be swiped or used to initiate a transaction.

k) “Internet Payment Gateway” means the protocol stipulated/to be stipulated by YES Bank authorizing the payments through the GPR Prepaid Card via internet upon authentication of the Customer.

l) “KYC” shall mean Know your Customer guidelines adopted by the Bank for the purpose of identification and verification of the Customer, pursuant to the guidelines, circular and notifications, issued by the Reserve Bank of India, from time to time.

m) “Merchant Establishments” shall mean such physical establishments including but not limited to stores, shops, restaurants, hotels, located in India, which accept GPR Prepaid Card or Master Card.

n) “Personal Identification Number (PIN)” is a numeric password which is part of the kit provided to the Customer by YES Bank along with the PPI. 

o) “Payment Channel” shall mean various modes of transactions including but not limited to EDC/ POS terminals/kiosks / Internet Payment Gateway and various other modes as intimated by Yes Bank from time to time.

p) “POS” or “Point of Sale” means electronic terminals maintained by Merchant Establishments in India at which the Customer can use the GPR Prepaid Card for the purpose of purchasing the goods and services, including financial services, remittance facilities etc.

q) "Program" shall mean YES Bank program to offer the GPR Prepaid Card to the Customer.

r) “Schedule of Fees/Charges” shall mean the details of fees or charges as may be prescribed by YES Bank from time to time and displayed on its Website, amended from time to time.

s) "Statement" means a monthly statement of the GPR Prepaid Card transaction available in YES Bank’s records setting out the financial transactions that have been carried out or made through the GPR Prepaid Card, along with the balance, if any, in the Card Account.

t) "Transaction" means any transaction initiated on the GPR Prepaid Card by the Customer at any MasterCard affiliated Merchant Establishment, YES Bank ATMs, other bank’s ATMs in India or over the internet.

u) "Transaction Limit" shall mean the maximum value of purchase that the Customer can make at Merchant Establishment or over the internet directly or indirectly by using the GPR Prepaid Card on any given day or for such periods as may be stipulated by YES Bank from time to time, provided that in no event shall such amount be more than the amounts transferred to the GPR Prepaid Card issued to the Customer, after deducting the aggregate debits made thereon pursuant to the use of the GPR Prepaid Card by the Customer.

v) "Website" shall mean the website owned, established and maintained by YES Bank located at the URL: www.yesbank.in or any modifications or amendments thereto from time to time.

w) “YES Bank” shall mean YES Bank Ltd., a banking company within the meaning of the Companies Act 1956 and a banking company within the meaning of section 5 (c) of the banking Regulation Act, 1949, having its registered office at Nehru Centre, 9th Floor, Discovery of India, Dr A B Road, Worli, Mumbai 400 018.


II. INTERPRETATIONS

In these Terms and Conditions, unless the contrary intention appears:


a) a reference to an "amendment" includes a supplement, modification, novation, replacement or reenactment and "amended" is to be construed accordingly;

b) an "authorization" or “approval” includes an authorisation, consent, clearance, approval, permission, resolution, license, exemption, filing and registration;

c) “law” includes any constitution, statute, law, rule, regulation, ordinance, judgment, order, decree, authorisation, or any published directive, guideline, requirement or governmental restriction having the force of law, or any determination by or interpretation of any of the foregoing by any judicial authority, whether in effect as of the date of signing/submission of the Application Form or thereafter, and each as amended from time to time.

d) "Force Majeure Event" means any event due to any cause beyond the reasonable control of the YES BANK, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

e) the singular includes the plural and vice versa;

f) the headings in these Terms and Conditions are inserted for convenience of reference only

g) reference to the words “include” or “including” shall be construed without limitation;

h) reference to a gender shall include reference to the female, male and neuter genders;

i) all approvals, permissions, consents or acceptance required from YES Bank for any matter shall require the prior written approval, permission, consent or acceptance of YES Bank;

j) in the event of any disagreement or dispute between YES Bank and the Customer regarding the materiality of any matter including any event, occurrence, circumstance, change, fact, information, document, authorisation, proceeding, act, omission, claims, breach, default or otherwise, the opinion of YES Bank as to the materiality of any of the foregoing shall be final and binding on the Customer.

 

III. APPLICABILITY OF TERMS AND CONDITIONS:

 

a) These Terms and Conditions along with the General Terms and Conditions cumulatively form the entire contract between the Customer and YES Bank for usage of the GPR Prepaid Card.

b) The GPR Prepaid Card shall be issued by YES Bank, subject to the Customer fulfilling the eligibility criteria as stipulated by YES Bank, from time to time.

c) The GPR Prepaid Card shall not be transferable to other individual or party

d) The maximum credit balance which can be uploaded on the GPR Prepaid Card shall be limited to INR 50,000/- (Rupees Fifty Thousand Only).

e) The GPR Prepaid Card shall be valid only within the territory of India and for transactions in Indian Rupees only. The GPR Card cannot be used outside the territory of India or for any transactions denominated in foreign currency.

f) The GPR Prepaid Card is the exclusive property of YES Bank.

g) The Customer shall be required sign on the reverse side of the GPR Prepaid Card immediately upon its receipt. YES Bank reserves the right to reject or cancel any Transaction in absence of the signature or mismatch of the signature, without further notice or intimation to the Customer.

h) The GPR Prepaid Card can be used at the Automated Teller Machines (“ATMs”) for withdrawal of cash by the Customer within the credit limit specified for the GPR Prepaid Card. These are open loop cards and can be used for cash withdrawal at ATM.

i) YES Bank shall not be liable to pay any interest on any balance maintained in the GPR Prepaid Card at any point in time.

j) YES Bank will inform or intimate the Customer 45 days prior to the expiry of the GPR Prepaid Card through SMS on the registered mobile number of the Customer. Customer needs to utilize the entire credit balance available on the GPR Prepaid Card prior to the expiry of the GPR Prepaid Card. In case the Customer does not utilize the credit balance available on the GPR Prepaid Card within the validity period, the Customer can approach YES Bank for refund/transfer of outstanding balance to the account maintained with YES Bank or any other bank account of the Customer. In case the Customer does not approach YES Bank within a specified period,, the outstanding credit balance available on the GPR Prepaid Card will be transferred to aFund in compliance with the regulatory guidelines.

 

IV. ISSUANCE AND USAGE OF THE CARD

 

a) The Customer unconditionally and irrevocably authorizes YES Bank to deliver and handover the GPR Prepaid Card to the Customer or the entity which will distribute it to the Customer(s). YES Bank shall not be liable or responsible for any act or omission on the part of the entity, in connection with the delivery of the GPR Prepaid Card to the Customer.

b) YES Bank and the Merchant Establishments, reserves the right to refuse the acceptance of the GPR Prepaid Card at any time for any reasons whatsoever, without any prior intimation to the Customer.

c) The GPR Prepaid Card shall be used only for bonafide personal or official purposes. It is clarified that charges incurred may, in case of certain Merchant Establishments, include a charge for availing certain additional service or other facility being provided by such Merchant Establishments.

d) The Customer shall sign and retain all the charge slips generated for each of the Transaction consummated at a Merchant Establishment. YES Bank shall not be obliged to provide copies of the charge slips or transaction slips to the Customer. Any such request by the Customer will be at the sole discretion of YES Bank and provided such requests have been made by the Customer within forty-five (45) days from the date of the Transaction. The Customer agrees that YES Bank shall be entitled to charge additional cost or charge for providing copies of the charge or transaction slips

e) Any charge or cost levied by the Merchant Establishment in relation to any Transaction, shall be directly settled by the Customer with the Merchant Establishment. YES Bank shall not be liable or responsible, either directly or indirectly, for any act or omission on the part of the Master Merchant or the charges or cost levied by them in relation to the Transaction.

f) All refunds and adjustments due to any Merchant Establishments on account of device error or communication link will be processed manually and the Card Account will be credited after due verification by YES Bank pursuant to the applicable rules, regulation and internal policy of YES Bank. The Customer agrees that any subsequent Transactions will be accepted or honored only basis the available credit balance in the Card Account(s) without taking into account any disputed amount under consideration by YES Bank. The Customer shall unconditionally keep YES Bank indemnified against any loss or damage caused to YES Bank on account of dishonoring the payment instructions as a result of insufficient funds in the Card Account. The Customer agrees that YES Bank shall be entitled to deduct the amount of such loss or damaged caused to YES Bank directly from the Card Account.

g) The Customer acknowledges that all refunds in case of failed, returned, rejected or cancelled Transactions done by the Customer using any other payment instrument cannot be credited in the GPR Prepaid Card.

h) The Card Member undertakes to act in good faith at all times in relation to all dealings in relation to the GPR Prepaid Card. The Customer accepts full responsibility for any illegal or wrongful use of the GPR Prepaid Card in contravention to the Terms and Conditions contained herein and, undertakes and agrees to indemnify YES Bank against any loss, damage, interest, conversion, any other financial charge that YES Bank may incur and/or suffer, whether directly or indirectly, as a result of the Customer committing any violations of the Terms and Conditions contained herein.

i) The Customer agrees that he/she will not use the GPR Prepaid Card for making payment(s) of any goods and services, which is illegal under the Applicable laws. The GPR Prepaid Card cannot be used for making purchases of prohibited or contraband products or services, e.g. lottery tickets, banned or prohibited magazines, participation in sweepstakes, purchase of bitcoins, payment for call-back services, etc.

j) The Customer hereby acknowledges and agrees that the GPR Prepaid Card shall not be loaded or reloaded by YES Bank, for an amount exceeding Rs. 10,000.00 (Rupees ten thousand only).

k) The Customer hereby acknowledges and agrees that if there are no Transaction for a consecutive period of one (1) year on the GPR Prepaid Card, subject to validity of the the GPR Prepaid Card, the GPR Prepaid Card shall be made inactive by YES Bank after sending a notice to the Customer. The GPR Prepaid Card can only be reactivated by YES Bank after validations and requisite due diligence, as stipulated by YES Bank, from time to time.

l) The Customer hereby agrees to receive SMS or emailing alerts from YES Bank for all Transactions done using the GPR Prepaid Card. The SMS or emailing alerts from YES Bank shall stipulate debit and credit Transactions, balance available or remaining on the GPR Prepaid Card or such other information or details as stipulated by YES Bank, from time to time.

m) The Customer agrees and confirms that the Personal Identification Number (“PIN”) shall under no circumstances should be revealed by the Customer to any relative or family members or third party. The Customer shall be solely responsible and liable for the consequences arising out of such unauthorized disclosure of PIN and/or unauthorized usage of the GPR Prepaid Card. The Customer disclaims all responsibility and liability of YES Bank arising out of or in connection with the unauthorized usage of the GPR Prepaid Card and/or any loss or damage, whether direct or indirect, incurred by YES Bank as a result of such misuse. If the Customer forgets or misplaces the PIN, the Customer should make an application in writing or contact the Customer Care Centre for a new PIN immediately. The new PIN will be sent to the Customer’s registered email address, provided to or available with the YES Bank.

n) The Customer agrees that YES Bank may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its services.

o) The Customer shall have access to Frequently Asked Questions (“FAQ”) as uploaded by YES Bank on its Website, from time to time.

V. BREACH

a) In the event of any breach of these Terms and conditions by the Customer, YES Bank shall have the sole right to forthwith cancel or terminate the GPR Prepaid Card, without any further claim, demand or dispute upon YES Bank.

b) The Customer undertakes and agrees to indemnify YES Bank against any loss, damage, claim, penalty, cost, charges or expenses (including legal counsel fees) that YES Bank may incur and/or suffer, whether directly or indirectly, as a result of the Customer committing any breach of the Terms and Conditions contained herein.

 

VI. TERM & TERMINATION

(a) The GPR Prepaid Card shall be valid for a period of four (4) years from date of printing or until the expiry date printed on the face of the GPR Prepaid Card.

(b) The Customer agrees and undertakes to destroy the GPR Prepaid Card upon its expiry to prevent any third party from using it.

(c) The Customer may at any point of time, request for termination of the GPR Prepaid Card, by giving a prior written notice of thirty (30) days to YES Bank, save and except, upon request by the Customer for hot listing or blocking the GPR Prepaid Card, in which case the GPR Prepaid Card shall be terminated and/or cancelled with immediate effect.

(d) The Customer understands that such notice will not take effect until the GPR Prepaid Card has been defaced by cutting off the top right-hand corner, ensuring that both the hologram and the magnetic strip have been cut and has been destroyed or received by YES Bank. The Customer agrees that the Customer shall continue to be liable for any Charges incurred on the GPR Prepaid Card prior to the termination of the GPR Prepaid Card, irrespective of the fact whether the Customer has or claims to have destroyed the GPR Prepaid Card.

(e) YES BANK may at its sole discretion terminate the GPR Prepaid Card (i) In the event the Customer is declared insolvent or death of the Customer (ii) In the event of the Customer committing breach of any of the terms, conditions, stipulations or its obligations under these ‘“Terms and Conditions”’ (iii) In the event of any restriction imposed on the Customer by an Order of a competent Court or Order issued by any regulatory or statutory authority in India or any investigating agency. (iv) In the event the GPR Prepaid Card Program becomes illegal under the applicable laws, rules, guidelines or circular. (v) In the event the entire GPR Prepaid Card Program is terminated.

(f) YES Bank, at its sole discretion, reserves the right to, either temporarily or permanently, withdraw the privileges on the GPR Prepaid Card and/or terminate the GPR Prepaid Card at any time without giving any notice or assigning any reason thereof. In case of a temporary withdrawal, the privileges attached to the GPR Prepaid Card shall be reinstated by YES Bank at its sole discretion. In case of a permanent withdrawal, YES Bank has a right to cancel the GPR Prepaid Card permanently. However, it is made distinctly clear that withdrawal (temporary or permanent) shall constitute automatic withdrawal of all benefits, privileges and services attached to the GPR Prepaid Card. The Customer agrees that in the event of temporary or permanent withdrawal of the GPR Prepaid Card, the Customer shall continue to be fully liable for all Charges incurred on the GPR Prepaid Card prior to such withdrawal, together with all other applicable Charges thereon, unless otherwise specified by YES Bank.

(g) If YES Bank temporarily or permanently, withdraw the privileges or terminates the GPR Prepaid Card, YES Bank will on best effort basis, promptly notify the Customer. YES Bank shall not be held liable or responsible for any such delays or laches in receipt of such notification.

(h) Upon termination of the GPR Prepaid Card as stated above, the balance amount, if any lying in the Card Account shall be refunded to the Customer subject to the payment of applicable charges by way of Pay Order / Demand Draft drawn in favor of the Customer and receipt of written request from the Customer. Customer to submit request with Yes Bank for refund of the balance amount

 

VII. NOTICES

Any notice to be given by YES Bank hereunder shall be deemed to have been received by the Customer, within seven (7) days from the date of the notice or email sent by YES Bank at the registered email or mailing address provided to or available with YES Bank.

Any notice to be given by the Customer hereunder shall be deemed to have been received by YES Bank only upon acknowledgment of receipt of such notice by YES Bank at its Corporate Office Address at 22nd Floor, Indiabulls Financial Centre, Senapati Bapat Marg, Elphinstone (W), Mumbai - 400013.

Any notice or communication from the Customer hereunder shall not be binding on YES Bank unless the same is in writing and shall have been served and acknowledged by YES Bank or if by registered post, acknowledgment card.

 

VIII. CHARGES

a) Charges shall include: (a) Any fees charged by YES Bank in respect of the GPR Prepaid Card, including replacement, renewal, handling and other fees, if any. These fees are non-refundable, non-transferrable and non-assignable in nature. (b) Service Charges on specific types of Transactions. The method of computation of such Charges will be as notified by YES Bank from time to time on its website:www.yesbank.in.

b) All Charge, in the absence of manifest error, shall be final and binding on the Customer and shall be conclusive in nature.

c) All statutory taxes, goods and service tax, all other imposts, duties (including stamp duty and relevant registration charges, if any, in connection with the GPR Prepaid Card) and taxes (of any description whatsoever) as may be levied from time to time by the Government or other authority in respect of or in connection with the GPR Prepaid Card, will be borne by the Customer.

 

IX. CASH WITHDRAWAL

a) The Customer can use the GPR Prepaid Card to access emergency cash withdrawal from YES Bank ATM’s and ATM’s of member bank. However, the total amount that which may be withdrawn at any point of time, shall not exceed the available balance in the GPR Prepaid Card or such limits as stipulated by the Reserve Bank of India from time to time.

X. LOST, STOLEN OR MISUSED GPR PREPAID CARD:

a) If the GPR Prepaid Card is lost or stolen, the Customer must immediately report such loss or theft to Customer Care Centre and request for immediate suspension of the GPR Prepaid Card.

b) The Customer acknowledges that once the GPR Prepaid Card is reported lost, stolen or damaged, such GPR Prepaid Card cannot be used again, even if found subsequently. The Customer is responsible for the security of the GPR Prepaid Card and shall take all steps towards ensuring that the GPR Prepaid Card is not misused. In the event YES Bank determines or receives any information that the Customer has neglected or refused or failed to take steps as indicated above, in case of loss, theft or destruction of the GPR Prepaid Card, YES Bank reserves the sole right to cancel or terminate such GPR Prepaid Card.

c) No liability shall accrue upon the Customer for any unauthorized transactions done on the GPR Prepaid Card, after such GPR Prepaid Card has been reported lost, stolen or damaged by the Customer. All liabilities accrued on the GPR Prepaid Card, post reporting by the Customer shall be borne by YES Bank. However, in case of any dispute relating to the time of reporting and/ or transaction/s made on the GPR Prepaid Card, post reporting of the GPR Prepaid Card being lost, stolen or misused, all decisions of YES Bank shall be final and binding on the Customer.

 

XI. EXCLUSION OF LIABILITY

a) Without prejudice to the foregoing, YES Bank shall be under no liability or responsibility to the Customer or any third party, in respect of any loss or damage arising, directly or indirectly out of: 1. any defect in any goods or services supplied 2. any disputes regarding the quality, value warranty, delay of delivery, non delivery, non receipt of any goods or services; 3. the refusal of any person to honour or accept the GPR Prepaid Card 4. non functioning of GPR Prepaid Card in the desired manner for whatsoever reason, or if the ATM is not functioning due whatsoever reasons 5. the malfunction of any computer terminal 6. Any Force Majure events 7. transfer of the GPR Prepaid Card to any third party. 8. Termination of the GPR Prepaid Card by the Customer. 9. Any loss or damage caused to the Customer alleged to have been caused by the repossession of the GPR Prepaid Card by YES Bank. 10. Any discrepancy between the amount allocated to a GPR Prepaid Card upon receipt of instructions in this regard from the Customer. 11. Any reversals done on the GPR Prepaid Card on request of the Customer.

 

XII. DISPUTED TRANSACTIONS

a) Any charge or Transaction slip or other payment requisition received by YES Bank for payment shall be conclusive proof of such Charge, unless the GPR Prepaid Card is lost, stolen or fraudulently misused and evidenced by the Customer.

b) All disputed Transactions in relation to the GPR Prepaid Card shall be required to be raised with the Customer Care Centre maintained by YES Bank, within fifteen (15 )days from the date of the disputed transaction. The Customer acknowledges that any request, after 15 days from the date of the disputed transaction shall not be accepted by YES Bank.

 

XIII. QUALITY OF GOODS AND SERVICES

a) Any dispute with or complaint against any Merchant Establishment regarding any goods purchased or services availed must be directly resolved by the Customer with the Merchant Establishment.

 

XIV. DISCLOSURES

a) The Customer acknowledges and consents to sharing of information pertaining to the Customer and the usage of the GPR Prepaid Card with any other banks or financial or statutory or regulatory authorities.

b) The Customer acknowledges and agrees that YES Bank may report to any other banks or financial or statutory or regulatory authorities any Customer delinquencies and/or the usage of the GPR Prepaid Card. YES Bank shall not be obliged to disclose the details of such banks or financial or statutory or regulatory authorities to the Customer, including the extent of such disclosure.

c) The Customer hereby authorizes YES Bank and its agents to exchange, share or part with all the information relating to the Customer’s details and payment history with YES Bank’s group companies or Affiliates.

 

XV. Governing Law and Jurisdiction

a) All disputes arising in relation to these Terms and Conditions shall be governed by and construed in accordance with the laws of India and shall be subject to the exclusive jurisdiction of the Courts of Mumbai

 

XVI. CHANGING THESE TERMS AND CONDITIONS

YES Bank reserves the sole right to change, these Terms and conditions, features and benefits offered on the GPR Prepaid Card, including but not limited to interest charges or rates and methods of calculation.

a) YES BANK shall communicate the amended Terms and Conditions by hosting them on its website, www.Yesbank.in, or in any other manner as decided by YES Bank.

b) The Customer shall be responsible for reviewing these Terms and Conditions, including amendments thereto as may be posted on the YES Bank website: www.yesbank.in and shall be deemed to have accepted the amended Terms and Conditions by continuing to use the GPR Prepaid Card.

 

XVII. SCHEDULE OF CHARGES

Fees

Amount

Card Issuance

Rs. 0 per Card

ATM cash withdrawal

NA

ATM Balance enquiry

NA

Annual fees

INR 0

Card Replacement

NA

Nothing contained herein shall, however, prevent YES Bank from deducting tax deductible at source as required under the Applicable Laws, from any Transaction through the GPR Prepaid Card.

 

XVIII. Customer Grievance Redressal

a) In the event of any dispute or grievance in relation to the GPR Prepaid Card and/or these Terms and Conditions, the Customer may contact the YES Bank 24 hours Customer Care number at 1800 3000 1113 or Email: krazybee.support@yesbank.in.

b) In the event the dispute or grievance in relation to the GPR Prepaid Card and/or these Terms and Conditions is not adequately address or resolved by the YES Bank Customer Care, the Customer may approach the YES Bank Nodal Officer details of which can be found on website of Yes Bank.

c) YES Bank agrees that all complaints, disputes or grievances raised by the Customer shall be addressed and/or resolved in a time bound manner.

d) The Customer may at anytime approach the Banking Ombudsman for their grievance redressal.

Read the TERMS AND CONDITIONS FOR YES BANK GPR PREPAID CARDS in other languages: Gujarati Hindi Kannada Marathi Punjabi Tamil Telegu


GIFTCARD TERMS & CONDITIONS


Terms and Conditions:

Amazon.in Gift Cards issued by Qwikcilver These terms and conditions apply to Amazon.in Gift Cards (Gift Cards) issued by Qwikcilver Solutions Private Limited (Qwikcilver). Qwikcilver is a private limited company organized under the laws of India, and is the issuer of Gift Cards. By purchasing or using a Gift Card, you are agreeing to and accept these terms and conditions.

1. Redemption:

Gift Cards may only be redeemed toward the purchase of eligible products on www.amazon.in. Purchases are deducted from the redeemer's Gift Card balance. Any unused Gift Card balance will remain associated with the redeemers Amazon.in account and applied to purchases in order of earliest expiration date. If a purchase exceeds the redeemers Gift Card balance, the remaining amount must be paid with by credit card, net banking or debit card. No fees or charges apply to Gift Cards. Qwikcilver may provide Gift Card purchasers with information about the redemption status of Gift Cards that they purchase or use.

2. Limitations:

Gift Cards, including any unused Gift Card balances, expire one year from the date of issuance. Gift Cards may only be purchased in denominations ranging from Rs. 10 to Rs. 10,000, or such other limits as Qwikcilver may determine. Gift Cards cannot be used to purchase other gift cards. Gift Cards cannot be reloaded, resold, transferred for value or redeemed for cash. Unused Gift Card balances associated with an Amazon.in account may not be transferred to another Amazon.in account. No interest will be payable by Qwikcilver on any Gift Card or Gift Card balance. Qwikcilver makes no representation or warranty that www.amazon.in will always be accessible without interruption.

3. Fraud:

Qwikcilver is not responsible if a Gift Card is lost, stolen, destroyed or used without permission. Amazon Seller Services Private Limited (Amazon) will have the right to close customer accounts and take payment from alternative forms of payment if a fraudulently obtained Gift Card is redeemed and/or used to make purchases on www.amazon.in.

4. Governing Law and Jurisdiction:

These terms and conditions are governed by and construed in accordance with the laws of India. You, Qwikcilver and Amazon each agree to submit to the exclusive jurisdiction of the courts at Bangalore. You agree to indemnify Qwikcilver and Amazon for all claims brought by a third party against it or its affiliates arising out of or in connection with a breach of any of these terms and conditions.

5. Limitation of Liability:

NEITHER QWIKCILVER NOR AMAZON MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO GIFT CARDS, INCLUDING WITHOUT LIMITATION, ANY EXPRESS OR IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN THE EVENT A GIFT CARD IS NON-FUNCTIONAL, YOUR SOLE REMEDY WILL BE THE REPLACEMENT OF SUCH GIFT CARD. IF APPLICABLE LAW DOES NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

6. General Terms:

The Amazon.in Conditions of Use apply to Gift Cards. Qwikcilver reserves the right to change these Gift Card terms and conditions from time to time in its discretion and without prior notice to you. All terms and conditions are applicable to the extent permitted by law.

7. Qwickcilver Contact Information.

Customer Service contact number: 1800 102 4438
Website address: www.Qwikcilver.in.

8. View your gift card transaction statement:
www.qwikcilver.com/terms-and-conditions/


Amazon No Cost EMI Terms

a. This offer is valid from 6th Aug 2018 to 31st Aug 2018 midnight.

b. The offer is valid on all Amazon products.

c. For 3 months tenure, no interest will be charged.

d. For 6 months tenure, no interest will be charged for first 3 months and standard interest rate will be charged for remaining 3 months.

e. Standard KrazyBee T&C shall apply for all orders.