User Terms and Conditions
This Terms and Conditions ("Terms and Conditions") is between you ("User") and Mswipe Technologies Private Limited ("Mswipe") and governs your use of Mswipe's prepaid payment instrument under the brand name "CTRLPay" ("CTRLPay Wallet"). Please note that these Terms and Conditions shall constitute a legal and binding agreement between Mswipe and User. Further use of CTRLPay Wallet is available only to a duly constituted legal entity or an adult individual who is competent to contract under the prevailing laws of India. Persons who are deemed 'incompetent to contract' within the meaning of the Indian Contract Act, 1872 are not eligible to use CTRLPay Wallet. If your age is below 18 years old, you are not eligible to use CTRLPay Wallet.
By clicking "I Accept" or "I Agree" on the signup page, or by accessing and using the CTRLPay Wallet, you agree to be bound by these Terms and Conditions and these Terms and Conditions constitute legal agreement between Mswipe and the User.
1. ACCEPTANCE
1.1. These Terms and Condition are electronic agreement and record in terms of the Information Technology Act, 2000 and the rules framed thereunder, as applicable and amended from time to time, pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
2. COMMUNICATIONS
2.1. The User agrees and acknowledges that usage of CTRLPay Wallet shall be construed as User's consent for receiving calls, messages, electronic emails and in-app notifications including marketing and promotional calls, autodialled and/or pre-recorded messages, from Mswipe or its service providers, at any time, on the telephone number / contact information that may be provided by the User. The User hereby unconditionally consents that such communications via electronic mail, SMS, in-app notification and/ or voice call is upon User's request and authorization.
2.2. Mswipe may provide SMS or Whatsapp alerts and email notifications or such other notifications regarding transaction updates to the User.
2.3. The User hereby agrees and undertake to indemnify Mswipe against all types of claims, losses and damages incurred by Mswipe due to any action taken by TRAI, (as per TRAI regulations) or any other authority due to any erroneous compliant complaint raised by the User with respect to the intimations mentioned above or due to a wrong number or email-ID being provided by the User for any reason whatsoever.
2.4. The User shall be obligated to ensure that the mobile phone number provided at the time of registration with Mswipe, or any updated mobile number subsequently provided to Mswipe, is accurate and active. Mswipe's communication to the registered mobile number or email address shall be deemed notification to the User and Mswipe shall not be responsible or liable for any communication failure due to failure of the User to update Mswipe with respect to their mobile number or email address.
2.5. The User may not receive push notifications in the event that such notifications have been disabled by the User, unless such notifications are mandatory or necessary for the performance of services. User shall not hold Mswipe liable for any missed notification or any non-delivery of notification if such notifications are disabled by the User.
2.6. The User acknowledges and consents that Mswipe may contact the User via calls, SMS, emails, or any other mode of communication, regardless of any Do Not Disturb (DND) settings or preferences in place.
3. DEFINITIONS
3.1. "Application" means the online application used by the User for accessing and using the CTRLPay Wallet.
3.2. "Applicable Laws" shall mean any statute, law, regulation, directive, guideline, policy, requirement, or any governmental restriction or any similar form of decision of, or determination by, or any interpretation or administration having the force of law of any of the foregoing, by any governmental authority having jurisdiction over the matter or the Parties in question, whether in effect as of the date of these Terms and Conditions or thereafter.
3.3. "Intellectual Property Rights" shall deem to mean and include all copyright, designs, inventions patents, service marks, trademarks (in each case, whether registered or arising at common law, or its overseas equivalent) or applications for any of these, formulations, trade names, business names, inventions, discoveries, trade secrets, know-how, source code, object code, technical information, commercial and financial data and all other industrial or intellectual property rights (whether or not registered).
3.4. "Chargeback" means any dispute regarding a valid charge raised by the User with the issuing bank.
3.5. "Product"/ "Goods" means a tangible product that is manufactured or distributed by the User and that is purchased by the User, the payment for which is to be made through CTRLPay Wallet.
3.6. "Services" shall mean and include providing access to CTRLPay Wallet, managing, facilitating, processing and transfer of funds and provisioning support services to the User.
3.7. "Transaction Discount Rate" or "TDR" means with respect to each transaction amount a percentage thereof as specified in these Terms and Conditions. Provided however that the Transaction Discount Rate may be revised from time to time as per the revisions made by RBI and Mswipe will intimate User of any such change.
4. ARRANGEMENT
4.1. The User agrees and acknowledges that Mswipe has granted to the User only a limited right to use and access CTRLPay Wallet, as per these Terms and Conditions within the territory of India. The usage and availability of the CTRLPay Wallet shall at all times be in accordance with the Applicable Laws including but not limited to guidelines issued by Reserve Bank of India etc.
5. OBLIGATIONS, REPRESENTATIONS AND WARRANTIES
5.1. The User represents and warrants to Mswipe that on the date hereof:
5.1.1. It has all necessary power and authority to enter into this arrangement;
5.1.2. The Application and these Terms and Conditions, whether in physical form or in electronic form, constitutes valid and legally binding obligation and will be enforceable against the User in accordance with these Terms and Conditions.
5.2. Mswipe is not giving any warranties either express or implied, whether of merchantability or fitness for any particular use or otherwise, in respect of CTRLPay Wallet provided under the Application and or these Terms and Conditions and no waiver, alteration or modification of the foregoing condition shall be valid unless made in writing and signed by Mswipe. The User's sole and exclusive remedy in the event of interruption to or loss of use and/or access to the support services shall be to get the support services, as the case may be restored from Mswipe.
5.3. Mswipe shall have the right to require the User to furnish to provide any details with respect to CTRLPay Wallet including without limitation details of the accounts held by the User with the issuing banks, mobile number, email address, Aadhaar details. However, in case if the User is a foreign national additional document such as VISA copy, and passport copy needs to be provided.
5.4. The User forthwith upon change in details including but not limited to registered mobile number, registered address etc. shall intimate User of such changes along with supporting documents as may be required by Mswipe. Mswipe shall not be responsible for any delay or non-processing of transaction or settlement of transaction amount due to any defect in information provided by the User.
6. WALLET CREATION AND FEATURES
6.1. To open a Wallet account the User must provide Mswipe with the following details:
6.1.1. For an Indian National/ entities:
6.1.1.1. a valid and functional e-mail address;
6.1.1.2. a valid and functional phone number registered in User name;
6.1.1.3. any additional information that RBI regulations may prescribe to be necessary to satisfy Know Your Customer norms ("KYC Norms"), or as Mswipe deem fit.
6.1.2. For the foreign nationals/Non-resident Indians (those eligible to avail the CTRLPay Wallet under RBI guidelines):
6.1.2.1. a valid and functional e-mail address;
6.1.2.2. a valid and functional phone number registered in user name;
6.1.2.3. any additional information that RBI Regulations may prescribe to be necessary to satisfy Know Your Customer norms ("KYC Norms"), or as Mswipe deem fit.
6.1.2.4. Details of valid passport; and
6.1.2.5. Details of valid VISA.
6.2. As per the Applicable Laws and the relevant KYC guidelines issued by Reserve Bank of India (RBI), CTRLPay Wallet can be accessed only upon submission of Full KYC. CTRLPay Wallet will be valid for an indefinite period subject to the limitations provided under Applicable Laws, any changes to the same will be communicated by updating these Terms and Conditions.
6.2.1. FULL-KYC PPIs
| Sr. No. | Feature | Conditions |
|---|
| 1. | Maximum Outstanding Balance | The maximum outstanding balance must not exceed INR 2,00,000/- (Indian Rupees Two Lakhs Only) at any point in time. |
| 2. | Loading or Reloading of Funds | Shall be reloadable in nature. (Indian National/ Entities)
Loading and unloading shall be against foreign exchange through a payment instrument. (Foreign national) |
| 3. | Transfer of funds | (a) In case of pre-registered beneficiaries, the fund transfer limit shall not exceed INR 2,00,000/- (Indian Rupees Two Lacs Only) per month per beneficiary.
(b) for all other cases, fund transfer limit shall not exceed INR 10,000/- (Indian Rupees Ten Thousand Only) per month. |
| 4. | Debit from prepaid account | The total amount debited from the prepaid payment account during any given month shall not exceed INR 10,000/- (Indian Rupees Ten Thousand Only). |
| 5. | Documents required for verification for an Indian National / Entities | As specified under Reserve Bank of India KYC norms. |
| 6. | Documents required for verification for a Foreign National | Mobile Number + Email + OTP verification on email and mobile number.
Passport and VISA |
| 7. | Making the Wallet account inactive | In case of no financial transaction for a consecutive period of 1 (one) year in the Prepaid Payment Account, Mswipe shall make the account inactive. |
| 8. | Usage of the Wallet | The wallet can be used only for purchase of Goods and services. Fund transfer to bank accounts is not permitted. |
| 9. | Closure of Wallet | At the time of closure, any outstanding balance in the wallet shall be transferred at the request of the holder to the 'own bank account of CTRLPay Wallet holder' or shall be transferred 'back to source' after complying with KYC requirements of CTRLPay Wallet holder. |
6.2.2. The registration data and any other information provided by the User to Mswipe must be true to the best of User's knowledge, information and belief. Any liability for false registration data provided by User will be borne solely by the User and not to Mswipe.
6.2.3. The User shall not share registration data with any third parties as the User will be solely responsible for maintaining the confidentiality of the User registration data and will be liable for all activities and transactions that occur through the User account and CTRLPay Wallet, whether initiated by the User or any third party.
6.2.4. In accordance with RBI Regulations to prevent money laundering and the funding of terrorism in India, the User may suspend or terminate User Wallet with immediate effect if Mswipe have reason to believe that the registration data or any other data provided by is incorrect, or that the security of User's Account has been compromised in any way.
6.2.5. Please note that in order to comply with RBI Regulations, Mswipe do not allow User to open more than one Mswipe account in association with the phone number registered in the username.
6.3. CTRLPay Wallet loading of amount:
6.3.1. The User can load money on CTRLPay Wallet using various modes of payments made available by Mswipe.
6.3.2. The User shall provide be true and accurate to the best of User's knowledge, information and belief. Mswipe shall not bear any liability for the consequences if the User provide false or incorrect payment details.
6.3.3. The User are legally and fully entitled to use any debit card, credit card, UPI account or bank account that the User attempt to use to load funds into CTRLPay Wallet in accordance with the guidelines of Reserve Bank of India and as decided by the Company from time to time.
6.3.4. The User represent and warrant that the bank account through which the User attempt to load funds into CTRLPay Wallet has sufficient funds to permit the User of the proposed transaction. Mswipe bears no liability for transactions which are cancelled on account of insufficient funds in User's bank account.
6.3.5. The User hereby authorizes Mswipe to hold, receive and disburse funds in CTRLPay Wallet in accordance with any payment instructions Mswipe receives from the User. Among other things, the User authorization permits Mswipe to debit or credit the bank account associated with payment details. User authorization will remain in effect as long as maintain an account with Mswipe.
6.4. Mswipe to make a transfer from CTRLPay Wallet to the Merchant:
6.4.1. The User shall scan the UPI QR code to extract the merchant's Virtual Payment Address (VPA). The transaction amount shall be debited from the escrow account of Mswipe and transferred to the National Payments Corporation of India ("NPCI"). Upon receipt of the funds, NPCI shall remit the same to the merchant. The payment processing shall be facilitated through Mswipe's UPI switch.
6.4.2. Mswipe shall process money based on the two factor authorization.
6.4.3. In the event that User are not satisfied with the Goods or services provided to the User by a merchant for any reason, the User can report the matter to the merchant in question. Mswipe is not responsible for the Goods or services provided by the merchants and cannot be involved in any disputes between a merchant and User regarding the same.
6.5. Treatment in case of Refunds:
6.5.1. Mswipe and NPCI shall determine whether the refund request is valid.
6.5.2. Mswipe shall take every reasonable effort to grant refund and return the requisite funds to CTRLPay Wallet.
6.6. Treatment in case of Chargeback:
6.6.1. Mswipe shall bear no liability for the processing of Chargeback requests.
6.6.2. In order to comply with the Applicable Laws, Mswipe reserve the right to review Mswipe's Wallet and transaction history pursuant to a Chargeback request, in order to determine the occurrence of fraud. If Mswipe have any reason to believe that there has been fraudulent activity on CTRLPay Wallet, Mswipe reserves the right to terminate CTRLPay Wallet with immediate effect.
6.7. Treatment in case suspicion charges and transactions:
6.7.1. Mswipe have reason to believe that any payment instructions made on CTRLPay Wallet have been fraudulently made, Mswipe will suspend and deny User's access to CTRLPay Wallet in order to investigate and report the suspicious activity in accordance with RBI regulations and Applicable Laws. Such suspension will continue in effect till the conclusion of the investigation.
6.7.2. Mswipe shall conduct the investigation with assistance of third-party, banks and the merchant that are involved in the payment system. Based on the conclusion of investigation, CTRLPay Wallet shall be terminated for that User.
6.8. Treatment in case of unauthorized payment:
6.8.1. The User shall notify the unauthorized electronic payment to Mswipe at the earliest.
6.8.2. The User liability arising out of unauthorized payment shall be limited to:
| Sr. No. | Particulars | Maximum Liability of the Customer |
|---|
| 1. | In case of third-party breach where the deficiency lies neither with Mswipe nor with the User but lies elsewhere in the system, and the User notifies Mswipe regarding the unauthorised payment transaction. The per transaction User liability in such cases will depend on the number of days lapsed between the receipt of transaction communication by the User from Mswipe and the reporting of unauthorised transaction by the User to Mswipe. |
| Within three days | Zero |
| Within four to seven days | Transaction value or ₹10,000/- per transaction, whichever is lower. |
| Beyond seven days | Transaction value |
| 2. | In cases where the loss is due to negligence by a User, such as where such User has shared the payment credentials, the User will bear the entire loss until the User reports the unauthorised transaction to Mswipe. Any loss occurring after the reporting of the unauthorised transaction shall be borne by Mswipe. |
| 3. | Mswipe may also, at its discretion, decide to waive off any customer liability in case of unauthorised electronic payment transactions even in cases of customer negligence. |
7. FEES AND CHARGES
Mswipe reserves the right to impose and/or revise charges/commissions in relation to the use of CTRLPay Wallet, in Mswipe's sole discretion with notice as contemplated in these Terms and Conditions.The current charges for Mswipe's Wallet are provided hereunder which are subject to change;
| Sr. No. | Particulars | Transaction Discount Rate |
|---|
| 1. | Indian National/ Entities | Upto 2.5% +GST |
| 2. | Foreign National & OCI | Upto 5% +GST |
8. INTELLECTUAL PROPERTY RIGHTS
8.1. Except for use permitted under this Terms and Conditions, the User shall not use any Mswipe's trademark, service mark, trade name or logo without specific authorization from Mswipe to the effect. Any infringement of any Mswipe's Intellectual Property Rights shall be subject to legal action and damages.
8.2. The User shall not to do anything whatsoever which might impair Mswipe's right, title or interest in or to Mswipe's Intellectual Property Rights and agrees that the User shall not acquire or attempt to acquire any right, claims, title or interest, license in or to any of the Intellectual Property Rights of Mswipe. The User shall not decompile/disassemble, or create or attempt to create or reconstruct, by reverse engineering or otherwise, any hardware, software or code supplied under the Application and or these Terms and Conditions.
9. CONFIDENTIAL INFORMATION
9.1. The User recognizes that it may be given and have access to Confidential Information of Mswipe. The User undertakes not to use any such Confidential Information, for its own purposes except as permitted hereunder, without the prior written consent of Mswipe. The User further undertakes that it shall at all times during and after termination of this Application keep the Confidential Information confidential and not disclose it to any third party. The contents of the Application shall also be kept confidential.
9.2. No announcement, circular, press releases, advertising, marketing materials or promotional materials in connection with the subject matter of these Terms and Conditions shall be made or issued (whether in print, electronically or otherwise) by or on behalf of the User other than (i) as required by Applicable Law or (ii) to any authority to which the User is subject, without the prior written consent of Mswipe except where such an announcement is required by reason of any of (i) or (ii) above, the User shall consult with Mswipe as to the contents of any such announcement and take into account all reasonable request of Mswipe relating thereto.
9.3. The User shall hold and keep in strictest confidence any and all Confidential Information of Mswipe and shall treat such Confidential Information with the same degree of care and protection as it would treat its own Confidential Information. Mswipe also agrees to use the greatest degree of care to avoid unauthorized dissemination, access, disclosure or publication of the Confidential Information. The User shall promptly provide Mswipe with notice of any actual or threatened breach of this Clause. The User does not acquire any Intellectual Property Rights under these Terms and Conditions or through any disclosure hereunder, except the limited right to use such Confidential Information in accordance with these Terms and Conditions.
9.4. The User shall co-operate with Mswipe, NPCI and the relevant regulators in respect of any issues arising out of a breach or potential breach of security in relation to the holding of confidential data.
10. INDEMNIFICATION AND LIMITATION OF LIABILITY
10.1. The User shall indemnify, Mswipe, and their respective employees, directors and representatives ("Indemnified Parties") and hold the Indemnified Parties harmless from and against all direct claims, losses, costs, damages, expenses, action suits, and other proceedings, (including reasonable attorney fees), relating to or resulting from:
10.1.1. any act or omission or gross negligence or misconduct or fraud by the User;
10.1.2. breach of these Terms and Conditions or representation, warranties and covenants;
10.1.3. claims arising due to infringement of Intellectual Property Rights of third party(ies);
10.1.4. any loss incurred by the Indemnified Parties due to breach or lapse of security of Confidential Information or any data;
10.1.5. any breach of Intellectual Property Rights of Indemnified Parties by the User;
10.1.6. any non-compliance or violation of Applicable Laws and regulations by the User.
10.2. Neither party is liable to the other party or any third party under this Agreement for any indirect, special, incidental, remote punitive, exemplary, or consequential damages arising out of or resulting from this Agreement. This limitation of liability provision applies regardless of whether a party has been advised of the possibility of or could have foreseen any damages.
10.3. Notwithstanding any other provision of this Agreement, Mswipe's total, cumulative, and aggregate liability towards the User shall not exceed the commission charged from the PPI holder in the preceding 3 months whether the liability is based in contract, tort, equity, at Law, and/or otherwise, howsoever arising.
11. ANTI-BRIBERY & MONEY LAUNDERING
11.1. The User shall ensure compliance with and shall at all times act in compliance with Applicable Law including, without limitation, the Anti-Money Laundering Guidelines, provisions of Prevention of Money Laundering Act, 2002. Without prejudice to the generality of the foregoing, the User shall follow all rules, guidelines and directions issued by any governmental authority with reference to the transactions as may be applicable.
12. TERMINATION OR SUSPENSION
12.1. Mswipe reserves the right to modify, terminate or suspend access to CTRLPay Wallet to User at any time without prior notice due to any changes in internal policy or due to Applicable Laws.
12.2. Mswipe reserve the right to terminate or suspend Services made available to the User if Mswipe is found participating in any act or omission which amount to any breach of Applicable Law or breach of the Terms and Conditions posted /uploaded by Mswipe, or Mswipe have reason to believe the same.
12.3. Mswipe can terminate this User's access to CTRLPay Wallet with or without reason whatsoever by providing an advance notice of 7 (seven) days.
12.4. Notwithstanding the above, Mswipe shall immediately terminate the access in case of the following:
12.4.1. Impersonating another person or entity with the effect of misleading users about the identity of the creator of content (including misleading account usernames, voices and sounds used in broadcasts, and account profile information);
12.4.2. Putting on Mswipe's system any content that contains software viruses, trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit functionality of any computer software or hardware or telecommunications equipment;
12.4.3. Interfering with or disrupting the service or servers or networks connected to the service, or disobeying any requirements, procedures, policies or regulations of networks connected to the service.
12.5. Post the termination of these Terms and Conditions, the User will remain responsible for all transactions that occurred prior to termination of CTRLPay Wallet.
13. DISCLAIMER
13.1. The CTRLPay Wallet and the Application and its entire contents are provided on an 'as is' basis. Mswipe and its officers, employees, agents and contractors give or make no representation or warranty (either express or implied) as to the suitability of the Application or its contents for any purpose or the completeness, accuracy, reliability, security or availability of the Service or the Application or its contents; nor do they accept any responsibility arising in any way (including from negligence) for errors in, or omissions from, the Service or the Application.
13.2. Mswipe and its officers, employees, agents and contractors are not liable for any loss, damage, claim, expense, cost (including legal costs) or liability arising directly or indirectly from User's use or non-use of the CTRLPay Wallet or the Application, or User's reliance upon the CTRLPay Wallet or the information contained upon the Application (whether arising from Mswipe's or any other person's negligence or otherwise).
13.3. Any material downloaded or otherwise obtained through the use of the Application is done at User's own discretion and risk and that the User shall be solely responsible for any damage to the User operating system or loss of data that results from the download of any such material.
13.4. Except for Mswipe's limited role in processing payments that User authorizes or initiates, Mswipe is not involved in any underlying transaction between User, any other User, merchant, bank or other third party. Mswipe not a bank and do not offer banking services.
13.5. Mswipe relies on third-party service providers for the rendering of certain services, which are made available on an "as is" basis. Mswipe makes no representations or warranties, whether express or implied, regarding the suitability, completeness, accuracy, reliability, security, or availability of such services, the Application, or their contents for any purpose.
14. MISCELLANEOUS
14.1. Governing Law and Dispute Resolution: These Terms and Conditions shall be governed by and construed in accordance with the applicable laws of India. All disputes under these Terms and Conditions shall be referred to arbitration by sole arbitrator mutually appointed by the Parties. The proceedings of such arbitration shall be governed by the provisions of the Arbitration and Conciliation Act of 1996 (as amended from time to time) and shall be held at Mumbai. The Parties shall be entitled to apply to the competent courts for interim or interlocutory relief in respect of such arbitration. Subject to the above, competent courts shall have jurisdiction over any of the disputes arising out of or in connection with these Terms and Conditions. Each party shall bear its respective costs unless otherwise awarded by the arbitrator.
14.2. Force Majeure: Neither party shall be liable to the other nor shall be in default if such party is adversely affected due to circumstances beyond its reasonable control such as Applicable Laws, natural calamities, acts of God, threat of wars, riots, strikes, acts of Government, shortages of materials, industrial emergencies, etc. The party claiming an event of force majeure shall promptly notify the other party in writing and provide full particulars of the cause or event and the date of first occurrence thereof, as soon as possible after the force majeure event has ceased and also keep the other party informed of any further developments.
14.3. Documents: The User agrees and undertakes to provide all such true and correct documents including but not limited to proof of identification, declaration in case of proprietorship concern, address proof etc. as and in the form required by Mswipe at the time of creation of CTRLPay Wallet and from time to time.
14.4. General: These Terms and Conditions constitute the entire agreement between the parties with respect to the subject matter herein and supersedes all prior arrangements between the parties regarding such subject matter. The arrangement between Mswipe and the User is non-exclusive and on principal-to-principal basis and nothing contained herein creates any agency or partnership or joint venture relationship between Mswipe and the User. The User shall not assign or transfer any of its rights and liabilities to any third party. No failure on the part of Mswipe to exercise or delay in exercising any of its rights will be deemed a waiver thereof, nor will any single or partial exercise preclude any further or other exercise of such or any other right. Any notices/communication to be given by a party to the other shall be sent by registered letter or email to the other party at the address/email ID last notified by such party. However, any notice or communication sent by Mswipe to the User via email or message on the registered email or registered mobile number of the User or via in - app notification shall consider a valid written notice and shall be deemed to have been duly served on the day such email, message or notification is sent or posted on the Application. It is further clarified that any change in commercials or updates to the Terms and Conditions and Privacy Policy posted on the website of Mswipe or CTRLPay Wallet Application shall be deemed to have been notified to the User on the day the same has been updated on the CTRLPay Wallet application. Unless otherwise specified by Mswipe, any revisions to the Terms and Conditions will take effect automatically and be binding on and from the day they are posted on the website or Application. By continuing to access or use the Application, User will be deemed to have agreed to accept and be bound by such revised Terms and Conditions. If the User does not agree to the revised Terms and Conditions, the User should discontinue accessing or using Application immediately.
14.5. Mswipe will protect and use User's Information in accordance with its privacy policy available at www.mswipe.com. If any part of these Terms and Conditions is unenforceable because of any rule of law, public policy or for any other reason, such unenforceable provision shall be severed from these Terms and Conditions, and the remaining provisions of these Terms and Conditions shall remain in full force and effect. The provisions of these Terms and Conditions which by its nature survives shall survive the termination of the arrangement between the User and Mswipe.
15. GRIEVANCE REDRESSAL MECHANISM
User may contact Mswipe with any enquiry relating to these Terms and Condition, Chargebacks, refund or any other issue. Contact us on Toll Free Number 1800 1022 699 (Monday – Saturday: 10.00 AM to 07.00 PM IST) or Write an email to
helpdesk@ctrlpay.bizIf a User is not satisfied with the resolution provided through above channels, User can escalate the issues to the Grievance Redressal Officer and Nodal Officer as mentioned below:
Mr. Harshad KadamMarathon Futurex, 26th Floor, A Wing, Mafatlal Mills Compound
N.M. Joshi Marg, Lower Parel, Mumbai – 400013
Email id:
grievance@mswipe.com Ms. Wasifa ShaikhMarathon Futurex, 26th Floor, A Wing, Mafatlal Mills Compound
N.M. Joshi Marg, Lower Parel, Mumbai – 400 013
Email id:
nodalofficer@mswipe.com The User may register User's complaints regarding the Services or any other issue relating to these Terms and Conditions with the above-mentioned grievance officer. Every attempt shall be made to offer the User suitable and appropriate solutions.