Terms & Conditions

1. Introduction

Welcome to GramiPay. These Terms & Conditions govern your access to and use of the GramiPay website, platform, applications, and related services.

By accessing or using GramiPay, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

2. About GramiPay

GramiPay provides a digital platform that enables users to manage and make payments for supported insurance premiums and other supported bill payment services through a convenient online platform.

3. User Eligibility

Users are responsible for providing accurate, complete, and current information when using GramiPay services.

You must have the legal capacity required under applicable law to use the services provided through the platform.

4. Account and Security

If an account is required to access certain services, you are responsible for maintaining the confidentiality of your login credentials.

• Do not share your password or OTP with anyone.
• Keep your account information accurate and updated.
• Notify GramiPay promptly if you suspect unauthorized access to your account.

5. Payment Services

GramiPay facilitates digital payment transactions through applicable payment service providers and supported payment infrastructure.

Before making a payment, users should verify the policy number, customer ID, biller, amount, and other transaction details.

6. Transaction Status

A payment may be shown as successful, pending, failed, or otherwise processed depending on confirmation received from the relevant payment service provider, bank, biller, insurer, or payment network.

Delays may occur because of technical problems, banking systems, payment networks, or third-party service providers.

7. User Responsibilities

Users agree not to misuse the GramiPay platform. You must not:

• Use the platform for unlawful activities.
• Submit false or misleading information.
• Attempt unauthorized access to the platform.
• Interfere with the security or operation of GramiPay.
• Conduct fraudulent or unauthorized transactions.

8. Third-Party Services

GramiPay may depend on third-party banks, insurers, billers, payment gateways, BBPS infrastructure, financial institutions, and technology providers.

Third-party services may be governed by their own terms, conditions, and policies.

9. Service Availability

We aim to provide reliable services; however, uninterrupted availability cannot be guaranteed. Services may be temporarily unavailable because of maintenance, technical failures, network issues, security incidents, or circumstances outside our reasonable control.

10. Intellectual Property

The GramiPay name, logo, website design, software, graphics, content, and other materials are owned by or licensed to GramiPay and may be protected by applicable intellectual property laws.

Unauthorized copying, reproduction, modification, distribution, or commercial use is prohibited.

11. Limitation of Liability

To the extent permitted by applicable law, GramiPay shall not be responsible for losses resulting from incorrect information supplied by a user, third-party service interruptions, banking failures, payment network failures, or events outside our reasonable control.

12. Changes to These Terms

GramiPay may modify these Terms & Conditions from time to time. Updated terms will be published on this page.

13. Governing Law

These Terms & Conditions shall be governed by the applicable laws of India.

14. Contact Us