Cancellation/Refunds Policy:

Welcome to Chat123 website, app, and/or Platform is owned and managed by Chat123 Proprietorship. All the services are provided by Chat123 Proprietorship under its brand name “Chat123”.

In order to provide the convenience of making the payment of bills by User to the Beneficiary, User and Beneficiary have agreed to make and/or accept such payments on the Chat123 Platform. The Platform also includes several modes of payments, features, and services which shall be developed and/or added from time to time.

Please read the terms and conditions as they contain important information about your legal rights, remedies, and obligations.

  • ACCEPTANCE
    • You have read, understood, and agree to these terms and conditions.
    • You are of legal age to form a binding contract with Chat123.
    • You have the authority to enter the terms of use personally or on behalf of the entity you represent.
    • You are not legally barred or otherwise prohibited from accessing or using our App/Services.
    • You agree and confirm that there is an existing valid and legal arrangement between the User and the Beneficiary, wherein the User is receiving regular services from the Beneficiary, for which the Platform Services are being availed by the User and such services are not illegal and unlawful under the law of India or otherwise.
    • You agree and confirm that the limit of the Bill Payment as specified under this terms and conditions shall only be allowed to an extent of INR 1,00,000/- only for a single bill payment.
    • You shall be responsible and liable for the payment of all relevant taxes, tax withholdings, duties, levies, cess, surcharge, or any other charges in relation to the services availed by the User under these terms and conditions.
    • You agree and confirm to comply with all the applicable laws.
    • You agree and authorize Chat123 to collect the Bill amount which shall comprise of:
      • Bill amount
      • Convenience Fee as may be specified from time to time along with applicable GST.
  • Chat123 may amend these terms at any time. In case the terms are materially modified, the new terms will be posted on an updated version of the app. Chat123 may require you to provide consent to the updated terms before further use services are permitted. By using the services after the effective date of the modified terms and/or your consent (as applicable), you expressly consent to the modified terms, without qualification. If you do not intend to be bound by the modifications, you may refrain from using our services at your liberty.
  • Chat123 reserves the right to extend, cancel, discontinue, prematurely withdraw, change, alter or modify the Platform Services or any part thereof including the eligibility criteria at their sole discretion at any time as may be required due to business exigencies and/or changes by a regulatory authority and/or statutory changes and/or any suspected unlawful use of the Services and/or any reasons and the same shall be binding on the User.
DEFINITIONS:

For the purposes of the terms and conditions, the terms defined herein shall have the following meaning:

  • Agreement: This agreement along with any other terms and conditions that may be posted, and any other written agreement between you and Chat123 that incorporate these Terms as reference, set forth the complete terms and conditions under which you may access and use the services. Chat123 may issue supplemental terms, guidelines, rules from time to time (collectively known as “Additional Terms”).
  • Company: Chat123 Proprietorship together with its subsidiaries and other affiliates, "us", "We" or "Chat123").
  • Confidential Information: The Confidential Information shall mean and include all tangible and intangible information obtained, developed or disclosed or accessed including all documents, and statements considered to be confidential and proprietary information.
  • You/User: The individual or legal entity, as applicable, identified as the user when you registered on the services. The terms like “User”, “You”, “Payer” including all such terms intended to identify the individual or legal entity initiating the transaction shall be considered within this definition.
  • Beneficiary: The Beneficiary shall mean such individual or an entity for whom the Bill payment is made by the User through Chat123 Platform in consideration for the services rendered by the Beneficiary to the User.
  • Personal Information: The information that directly or indirectly relates to an identifiable or identified individual or could reasonably be linked to a particular individual or household.
DESCRIPTION OF SERVICES:
  • Scope:
    • The eligible/registered users can use the Platform to make the payments for Rent, Maintenance or Security Deposit, as may be applicable.
    • Users agree to take full responsibility for the transactions made on the platform with respect to nature of transaction, Beneficiary and the tax implications pertaining to the same.
    • Chat123 acts as a mere facilitator of authorized payments and shall not assume responsibility nor liability for any unauthorized transactions.
    • Chat123 reserves the right to hold/suspend/refund and report those bill payments or transactions that are suspicious in nature.
    • By using this platform for making bill payment, you confirm that there is a valid relationship between the User and the Beneficiary.
  • Authorization:
    • By initiating the Bill payment on our Platform, you authorize us to receive and remit funds in accordance with the payment instructions.
    • Your authorization permits us to:
      • Charge the mentioned amount to a Bank Account, any credit card, debit card, or other payment cards that we may accept ("Cards"), or any other payment method we accept.
      • Process payment transactions that you authorize by generating an electronic funds transfer.
  • Incorrect Details: You would be responsible for entering the correct bank account details of the Beneficiary at the time of making the transaction. In no circumstances shall Chat123 be held responsible for any wrongful payment due to incorrect bank details.
  • Transaction Terms/Limits: Chat123 may delay, suspend or reject a payment(s) transaction for any reason, including financial or security risk, fraudulent activity, or incomplete documentation.
  • Liabilities: Users agree not to hold Chat123 responsible for any dispute or claim arising out of incorrect details or unauthorized use.
  • Refunds: Transactions that are not processed successfully will be refunded (excluding convenience charges) to the original payment method within 7-10 working days.
  • Chargebacks: In case of a chargeback, the Beneficiary must provide proof of service within two days. Failing to assist Chat123 may result in an irreversible chargeback.
  • Fraudulent Transactions: Suspicious or fraudulent transactions must be reported immediately. Chat123 will take necessary action but will not be liable for refund if the funds are already credited to the Beneficiary's account.
4. GENERAL TERMS:
  • 4.1. Waiver and Severability: No failure or delay on the part of either party in exercising any right or remedy hereunder will operate as a waiver thereof or any other provision. The invalidity or unenforceability of any provision shall in no way affect the validity or enforceability of any other provision herein. In the event that any provision of these Terms of Use is determined by a court of competent jurisdiction to be unenforceable or invalid, such unenforceability or invalidity will not render these terms and conditions unenforceable or invalid as a whole, and the unenforceable provision shall be construed the same legal and commercial effect as that which it replaces.
  • 4.2. Force Majeure: Chat123 shall not be held liable for any loss, delay or damage caused reasons beyond the reasonable control including but not limited to the acts of god, calamities, pandemics, epidemics, whether man-made or natural, uncontrollable technical glitches, strikes, acts of terrorism, burglary, hijacking, robbery, riots, political disturbances, invasion, fire, floods, tsunami, road accidents, including, but not limited to, Internet or telecommunications services, external computer “hacker” attacks, delays of common carriers or similar causes that are beyond it’s reasonable control nor shall it be liable for any special or consequential or indirect damages arising therefrom.
  • 4.3. Limitation of Liability: In no event shall Chat123, its officers, directors, employees and agents, partners, owners, licensors, licensees, third party suppliers and contractors be liable to you or any third party for any incidental, consequential, special, indirect or punitive damages or losses whatsoever, including, but not limited to loss of profit, goodwill, in relation to the service or otherwise the Terms of this Agreement, whether or not foreseeable and regardless of whether User has been advised of the possibility of any such loss or damages, or any other claim arising out of or in connection with your use of, or access to /platform. The limitations contained in this section shall survive any failure of an exclusive or limited remedyIn no event shall the liability of Chat123 for any dispute arising in connection with the Platform Services exceed the Fee charged by Chat123 for the bill amount in dispute.
  • 4.4. Indemnification: The User agrees to defend, indemnify and hold harmless Chat123 and its affiliates including, but not limited to its officers, directors, employees and agents, partners, owners, licensors, licensees, third party suppliers and contractors ( collectively “Indemnified Parties”) from and against any and all losses, liabilities, claims, obligations, cause of action, damages, demands, costs or debt and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) arising from:
    • 4.4.1. Your use of and access to the platform,
    • 4.4.2. Your violation of any of the Terms,
    • 4.4.3. Your sharing of any incorrect information of the Beneficiary for availing the Platform Services,
    • 4.4.4. Your violation of any third party rights, including any intellectual property rights or privacy rights,
    • 4.4.5. The committing of any prohibited activities as stated here,
    • 4.4.6. Your failure to be compliance with the applicable laws, including tax regulations , or
    • 4.4.7. Any claim that your use of the Platform caused damage to a third party.
  • 4.5. Warranties/Disclaimer: The Platform, including all the services, is provided “AS IS” and Chat123, including its affiliates, make no representation and warranty of any kind, whatsoever, in relation to the performance of the Platform that the services related to the Platform will be uninterrupted, timely or error-free, that the defects will be rectified. Further, the user understands that a payment transaction is solely between the User and the Beneficiary and that Chat123 doesn’t provide any guarantee or warranties with respect to any User or any service, good, or delivery level commitment provided by such User. The User assumes all risk or harm arising from any non-compliance of the provisions mentioned here to.
  • 5. GOVERNING LAW, ARBITRATION:
    • 5.1. Governing Law: The Terms of this agreement shall be exclusively governed by and construed in accordance with the Laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. Any dispute arising out of the terms and conditions shall first be attempted to be resolved amicably through negotiations. Any disputes arising out of or in connection with the Service shall be subject to, and you hereby consent to, the exclusive jurisdiction of the state courts located in Hyderabad, Telangana.
  • 6. CONTACT US: Chat123 shall provide and be responsible for the service with respect to the Services provided under this Agreement. The User further agrees to contact Chat123 directly if the User has any concerns, complaints or grievances. User can contact us at praveen@chat123.in