All logos, brands, marks headings, labels, names, signatures, numerals, shapes or any combinations thereof, appearing in this site, except as otherwise noted, are properties either owned or used under licence, by the business and/or its associate entities who feature on this Website. The use of these properties or any other content on this site, except as provided in these terms and conditions or in the site content, is strictly prohibited. You may not sell or modify the content of this Website or reproduce, display, publicly perform, distribute, or otherwise use the materials in any way for any public or commercial purpose without the respective organisation’s or entity’s written permission.

(A) Security Rules Visitors are prohibited from violating or attempting to violate the security of the Web site, including, without limitation, (1) accessing data not intended for such user or logging into a server or account which the user is not authorised to access, (2) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorisation, (3) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus or "Trojan horse" to the Website, overloading, "flooding", "mailbombing" or "crashing", or (4) sending unsolicited electronic mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. The business and / or its associate entities will have the right to investigate occurrences that they suspect as involving such violations and will have the right to involve and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.
(B) General Rules Visitors may not use the Web Site in order to transmit, distribute, store or destroy material (a) that could constitute or encourage conduct that would be considered a criminal offence or violate any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity of other personal rights of others, or (c) that is libellous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.

The User unilaterally agree to indemnify and hold harmless, without objection, the Company, its officers, directors, employees and agents from and against any claims, actions and/or demands and/or liabilities and/or losses and/or damages whatsoever arising from or resulting from their use of www.finwintechnologies.com or their breach of the terms.

User agrees that neither Company nor its group companies, directors, officers or employee shall be liable for any direct or/and indirect or/and incidental or/and special or/and consequential or/and exemplary damages, resulting from the use or/and the inability to use the service or/and for the cost of procurement of substitute goods or/and services or resulting from any goods or/and data or/and information or/and services purchased or/and obtained or/and messages received or/and transactions entered into through or/and from the service or/and resulting from unauthorized access to or/and alteration of user's transmissions or/and data or/and arising from any other matter relating to the service, including but not limited to, damages for loss of profits or/and use or/and data or other intangible, even if Company has been advised of the possibility of such damages.

User further agrees that Company shall not be liable for any damages arising from interruption, suspension or termination of service, including but not limited to direct or/and indirect or/and incidental or/and special consequential or/and exemplary damages, whether such interruption or/and suspension or/and termination was justified or not, negligent or intentional, inadvertent or advertent.

User agrees that Company shall not be responsible or liable to user, or anyone, for the statements or conduct of any third party of the service. In sum, in no event shall Company's total liability to the User for all damages or/and losses or/and causes of action exceed the amount paid by the User to Company, if any, that is related to the cause of action.

In no event shall Company or any parties, organizations or entities associated with the corporate brand name us or otherwise, mentioned at this Website be liable for any damages whatsoever (including, without limitations, incidental and consequential damages, lost profits, or damage to computer hardware or loss of data information or business interruption) resulting from the use or inability to use the Website and the Website Material, whether based on warranty, contract, tort, or any other legal theory, and whether or not, such organization or entities were advised of the possibility of such damages.

Refunds and Cancellation Our focus is on complete customer satisfaction. In the event, if you are displeased with the services provided, we will refund back the money, provided the reasons are genuine and proved after investigation.

Our Policy for the cancellation and refund will be as follows:

For Cancellations please contact us at info@finwintechnologies.com In case of dissatisfaction from our services, clients have the liberty to cancel their Care card and request a refund from us. Refund will be made after deducting printing and logistics cost of the card.

For refunds please contact us at info@finwintechnologies.com

In case of dissatisfaction from our services, clients have the liberty to cancel their Care card and request a refund from us. Refund will be made after deducting printing and logistics cost of the card.

If paid by credit card, refunds will be issued to the original credit card provided at the time of purchase and in case of payment gateway name payments refund will be made to the same account.

PPIs (Card/wallet) are payment instruments that facilitate purchase of goods and services, including financial services etc. against the value stored on such instruments. No cash withdrawal will be allowed from these instruments.

The guidelines adopted by the Transcorp to identify the customer and verify the identity of the customer.

PIN is a numeric password which is part of the kit handed over to customer by the Transcorp while issuing the PPI.

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

1) Usage: Such PPIs can only be used for purchasing of goods and services and cannot be used for fund transfer.

2)Limit: One time amount loaded in such PPIs shall not exceed INR 10,000. It is a non-reloadable instrument.

3)Loading: These PPI can only be loaded from bank account. Cash loading is not permitted.

4)Up gradation: Such PPI cards cannot be upgraded to full KYC.

5)Closure: These PPIs can be closed any time by the holder by making a request to the company. The remaining amount (if any) of PPI will be transferred by the company back to source i.e. the bank account from where the PPI was loaded

1) KYC Details to be obtained from client for issuance of such PPIs: As decided by company from time to time.

2)Usage: Such PPIs can only be used for purchasing of goods and services and cannot be used for fund transfer

3)Limit: The amount loaded in Min. KYC PPIs during any month shall not exceed INR 10,000 and the total amount loaded during the financial year shall not exceed INR 120,000. The amount outstanding at any point of time in such PPIs shall not exceed INR 10,000.

4)Loading: These PPI can only be loaded from bank account. Cash loading is not permitted.

5)Up gradation: Min. KYC PPI can be upgraded to full KYC by completing the KYC process prescribed by the company at any time by furnishing the KYC documents. For Full KYC PPI card, outstanding limit will be INR 200,000 lac at any point in time and monthly limit will be as prescribed by the PPI issuer.

6)Closure: These PPIs can be closed any time by the holder by making a request to the company. The remining amount (if any) of PPI will be transferred by the company back to source i.e. the bank account from where the PPI was loaded.

1. The customer requesting for issuance of any Transcorp PPI card , hereby confirms and declares his/her disassociation as a PEP(Politically Exposed person)

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

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

4. Transcorp 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 Transcorp for any unauthorized use of Prepaid Instrument and for any loss or damage incurred directly or indirectly as a result of such misuse. The liability in case of unauthorized usage will be governed by the Board approved policy of Transcorp applicable on unauthorized usage.

5. 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 centre of Transcorp. Customer shall be responsible and liable for all unauthorized transactions till the customer reports the unauthorized transaction to Transcorp. 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.

6. The PPI can be used at any permitted transactions depending on the type and features of the PPI. The records of transactions maintained by the Transcorp shall be conclusive and binding for all purpose.

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

8. The PPI issued by Transcorp will be valid up to a period of 4 Years (for gift card the validity period will be 1 year from the date of issuance) Transcorp 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 Transcorp for refund/transfer of outstanding balance. In case the Customer does not approach the Transcorp within a specified period as prescribed by regulator, the outstanding balance will be transferred to a fund or otherwise in compliance with the regulatory guidelines.

9. Any claim for compensation made by the customer shall be settled purely as per the provisions of the Customer Grievance Policy of the Transcorp.