Last updated: April 2026

Terms & Conditions

These Terms and Conditions, (T&Cs) defines our relationship with you! Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the CK Fintech website the CK Fintech Platform run by CK Fintech Private Limited, (hereinafter collectively, CK Fintech) on any device and/or before availing any services offered by CK Fintech on the CK Fintech Platform which may include services such as recharge or bill payment, digital products, semi-closed wallet service and marketplace service or any other service that may be offered by CK Fintech on the CK Fintech Platform. For the avoidance of doubt, it is clarified that these terms and conditions shall apply to all services, whether offered by CK Fintech Private Limited or its affiliates. CK Fintech reserves the right to vary and revise these T&Cs. They may do so by posting the revised terms on the Platform. It may happen without prior notice sent to the user. Besides these terms, we also publish a Privacy Policy, and additional service-specific T&Cs, including those from third parties for using our Services.

You Agree With

By registering on, accessing, browsing, downloading or using the CK Fintech Platform for any general purpose or for the specific purpose of availing any services provided by us, You agree to be bound by these terms and conditions set forth below as well as by the service-specific terms and conditions applicable to each service (hereinafter collectively, the T&Cs). These T&Cs shall also include any additional or modified terms and conditions in relation to any service or any future service that may be offered by CK Fintech By registering on, accessing, browsing, downloading or using (as applicable) the CK Fintech Platform or availing any service, You automatically and immediately agree to all the T&Cs. If at any time You do not accept or agree with any of the T&Cs or do not wish to be bound by the T&Cs, You may not access, browse or use the CK Fintech Platform and immediately terminate Your availing the CK Fintech services. Accepting or agreeing to the T&Cs will constitute a legal contract (hereinafter Agreement) between You, being at least 18 years of age and an individual user of the CK Fintech Platform or a customer or beneficiary of the CK Fintech services, and CK Fintech.

The CK Fintech services shall be used by You subject to Your adherence with the T&Cs. As long as You accept and comply with these T&Cs, CK Fintech grants You a personal, non-exclusive, non-transferable, limited, revocable privilege to enter and use the CK Fintech Platform and/or avail its Services. You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, CK Fintech reserves the right to suspend or permanently prevent You from availing CK Fintech Services or using the CK Fintech Platform.

As part of our endeavour to provide you with the best and updated Services, we continuously strive to improve them. Occasionally, this means we add or remove features and functionalities; increase or decrease limits to our Services; start offering new Services or stop providing old ones. If we make any material change(s) that negatively impact your use of our Services, we will provide you reasonable advance notice. This is to make sure that you are not caught off-guard during such rare instances, you can also expect an opportunity to export your content from your account on our Platform.

The permission we provide you to use our Services continues as long as you meet your responsibilities. One of which is ‘follow appropriate conduct’ – essentially means to create and sustain a respectful environment for everyone using the Platform. If you find that others aren’t observing the rules of conduct, we will provide you with an option to report such abuse.

Definitions

Bank means and includes any financial institution which CK Fintech has partnered with, towards offering the Services: Business Days means days in which banks are open for business in India. Service(s) or Platform means and includes the features in the mobile application and/or website as provided by CK Fintech, collectively referred to as the “Services”. Service Provider means and includes a bank, association, company, partnership or any such entity whose facilities are used by us to provide the Services to Users throughout the Platform.

1. Transaction or Payment Transaction means
2. a payment request sent by you for sending or receiving payments;
3. payment related instruction sent by you on user account;
4. checking account balance, etc.

Payment Systems Provider means the banks and other financial institutions (as defined in the Payments and Settlement Systems Act, 2007) with whom the Company has agreed to facilitate Payment Transactions. User means any person (“You”) who signs up on the Company’s app using the Platform, mobile application and/or website. Also applies to those who transact or avail our Services through the Platform. UPI means the Unified Payments Interface operated by the National Payments Corporation of India. Know Your Customer Know Your Customer (“KYC”) means the various laws and regulations issued by relevant authorities for customer identification. To fulfil such KYC requirements, CK Fintech procures personal identification details from you before any Services can be delivered.

User Representation

1. You will be solely responsible for protecting your PIN or personal identification number (for accessing the Platform). You shall also guard your mobile number and other account-related information. You shall remain fully and wholly answerable for any unauthorized use of your mobile/laptop email on the Platform and all authorized transactions on your mobile/email on the Platform. You shall take all precautions as may be feasible — or as may be directed by CK Fintech make sure that there is no breach of security. It helps maintain the integrity of the link between our systems, the Platform, and the Payment Systems Providers, at all times.
2. You shall bear the liability and be responsible for the payment of all applicable taxes and fees. CK Fintech would not be liable or responsible for payment of your taxes and fees in respect of any account’s maintained by you.
3. You (the user) agree to comply with all the regulations listed by the Company, Bank and its third-party service providers. You also consent never to do anything illegal, pay applicable taxes on time, keep sensitive information (PIN, Passwords) from being shared, and always prevent data breaches on the Platform.
4. If you suspect that there is incorrect information provided by you to us — you should inform us about this immediately. You can also correct your information with the help of self-help tools/features available on our Platform. We will endeavor to correct the error wherever possible on a best-effort basis.
5. You shall act in compliance with all laws, rules and regulations and shall not carry out any activity, which is banned, illegal or immoral (while using the Services) or use the Services in any manner which may cause CK Fintech to be subject to investigation, prosecution or legal action such as trading in contraband items or indulging in activities prohibited by applicable laws. You shall at all times, comply with the guidelines set by the Bank and third-party service providers.

CK Fintech Representation.

1. If we reasonably believe that you are violating the T&Cs, we reserve the right to deny you access to the Services. In such extreme term-breach scenarios — we may even terminate accounts, remove or edit content at any time without notice to the user concerned.
2. You also agree not to reproduce, duplicate, copy, sell, resell, display, or exploit the Platform or any of its portions or any intellectual property owned by and belonging to CK Fintech (including its trademarks, CK Fintech), without an explicitly granted written permission from the Company.
3. You agree and consent that we may publish/share any anonymized data for research/product enhancement, or associated purposes. As part of this data sharing, any personal information that could identify you will be removed or changed (i.e. anonymized).
4. You understand that your personal information (including your credit information) may be transferred to other parties, to provide you with our services, and you consent to such transfers. You allow us to verify your credit bureau presence with a CIC, and in turn, permit CICs to establish your credit report’s availability with them. For more information on securely & respectfully we do this, please refer to our Privacy Policy.
5. We respect your right to ownership of your data which is created or stored by you on the Platform. You acknowledge to grant CK Fintech permission to access, copy, distribute, store, transmit, reformat, publicly display, and publicly perform your content as per these T&Cs.
6. You agree and acknowledge that: • Data accessed through these services will only be available for 90 days from the date on which you opt to receive this data. • Any past data shall be processed in accordance with the Privacy Policy • In the event you wish to have this data deleted, you may raise a request with our customer care team

Notice

The Company may give notice to the user, under these T&Cs, electronically to the user's mailbox (regarded as being in writing), or may also deliver the notice by hand or by registered post to the address provided by the user. In case you need to write to us, do so to the Company address. Our office is at: Office No.18 1ST FLR EVERSHINE MALL, NORTH METER CABIN, NO 2, Malad West Dely, Malad West, Mumbai. Maharashtra, India, 400064. The Company may provide notice of a general nature regarding the Services, Platform and T&Cs, which apply to all users on its Platform. The Company may also employ customised messages sent to the user over their mobile phone via Short Messaging Service. Such notices are deemed to have been served individually to each user.

Disclaimer of Liability.

The Platform functions round the clock. Yet, CK Fintech shall not remain accountable for Service outage during specific scenarios. Our reasons range from natural disasters to your phone getting stolen, and everything in between. CK Fintech shall not be responsible for any failure on the part of the user to utilise the Services, in case they are not within the geographical range within which the Services are offered. Further, under no circumstance, shall the Company be held liable if the Services are not available for reasons including but not limited to:

1. System error
2. Other Network failure reasons
3. Legal restraints
4. Natural calamities
5. Faults in the telecommunication network
6. Any other cause beyond our control

The user shall immediately inform the Company either through the self-help tools available on the Platform or by contacting our customer support staff if they have reason to believe that:

7. Their mobile phone has been lost or compromised.
8. There has been an unauthorised transaction in their account
9. Their mobile phone number has been allotted to another person

Indemnity.

In consideration of the Company providing the Services, you agree to indemnify and keep harmless the Company (including its affiliates) from (and against) all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses that the Company may incur, at any time, as a consequence of your acting on or omitting or refusing to act on any instruction(s) given by the Company for use of the Services.

Governing Law.

These T&Cs and the use of the Services provided by the Company, shall be governed by the laws of the Republic of India. The mere fact that a user can access the Services in a country other than India shall not be interpreted to imply that the laws of the said country govern these T&Cs or the Services.

Confidentiality.

1. Non-public info that users may learn on the Platform is not shareable. The user agrees not to disclose or attempt to use or personally benefit from any non-public information that they may learn on the Platform or through use of the Services. This obligation shall continue until — the non-public information becomes publicly known. If a user is compelled by an order of a court or any other legal/statutory authority to divulge any confidential information of the Company (or the Services), the user agrees to notify and cooperate with the Company promptly and diligently, in protecting such data to the extent possible under applicable.
2. The Company would access, preserve, and disclose the user’s information if required to do so by law, or if the Company believes (in good faith) that it is reasonably necessary in terms of: respond to claims asserted against the Company or to comply with legal process; preventing fraud, risk assessment, investigation, user and Platform support, product development, debugging purposes and protecting the rights, property, or safety of the Company (and its affiliates), its users, or members of the public.

Third Party Services and Links

We don't have control over third-party websites. CK Fintech shares third-party links on our platform for the user's convenience — but we cannot vouch for their reliability or the content within. Practice caution if you're clicking on a third-party link; Even those found in our Services.

1. The user acknowledge’s sole responsibility for reading and understanding the terms and conditions and privacy policy and assumes all risk that applies to their use of any third-party services.
2. Our Services contain or may contain, links to third-party websites, applications, content, products, services and resources that are not under the control and do not form a part of the Services offered by the Company. We provide these links only for your convenience and the Company makes no representation or warranty of any kind regarding its accuracy, reliability, effectiveness, or correctness and shall not be responsible or liable for any aspect of any such third-party services.

Communication from CK Fintech.

1. You agree to receive alerts, notifications, offers, discounts, and other general communication messages via any communication channel including but not limited to Text Messages, Push Notifications, Emails, etc. as a part of the user’s use of the Services in accordance with applicable law.
2. You shall immediately inform the Company if the user observes any error in the information provided in the alert, and we will make best possible efforts to rectify the error as early as possible.
3. You shall not hold the Company liable for any loss, damages, claim, expense, including legal cost that may be incurred or suffered by the user on account of such facility.

Fees

1. There are no hidden fees on our Platform. Our nominal charges, wherever specified, are for the Services. Nevertheless, we do have specific terms regarding them.
2. As a user of our Platform and our Services, you may incur access or data fees from the Payment Systems Provider or third-party service providers for certain payment transactions. In such a scenario, you would be liable and required to pay the applicable fees.
3. The Company may, if required by law, change any fee or charge or institute new fees. The user agrees to pay all charges so levied — provided there is an intimation of the prices before the change.
4. The Company would determine the fee, to be paid by a user in its sole discretion, and any fees charged will be inclusive of all applicable taxes, which the user will be liable to pay.

Miscellaneous Terms

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5. The Company shall not be liable for any breach of these T&Cs, due to any force-majeure event such as an act of God, fire, lightning, explosion, flood, inclement weather conditions, power failures, failure in any communication systems, equipment breakdown, strikes, lock-out or any other cause beyond the control of the Company.

If any part of these T&Cs is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the T&Cs shall continue in effect.