Last Updated: April 01, 2026

1. Introduction and Acceptance of Terms

Welcome to Excellent Finserv Private Limited ("Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our mobile application, website (www.excellentfinserv.com), and related digital financial services (collectively, the "Platform").

By downloading, accessing, or using the Platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Platform.

2. Eligibility

To use our Platform, you must be:

• At least 18 years of age.
• A resident of India.
• Capable of entering into a legally binding contract under the Indian Contract Act, 1872.

3. Account Registration and KYC Compliance

• Accurate Information: You must provide accurate, current, and complete information during registration.
• KYC Verification: To access certain financial features (like wallet transfers, bank payouts, and digital gold), you must complete the Know Your Customer (KYC) process by submitting valid government-issued ID proof (e.g., PAN Card, Aadhaar Card).
• Account Security: You are solely responsible for maintaining the confidentiality of your login credentials and OTPs. The Company will not be liable for any unauthorized access to your account.

4. Description of Services

The Platform offers various digital services, including but not limited to:

• Utility Payments & Recharges: Facilitating mobile recharges, DTH, and utility bill payments via third-party aggregators (e.g., BBPS).
• Digital Wallet & Payments: Storing funds for quick transactions within the app ecosystem.
• Digital Gold: Buying, selling, and setting up SIPs for digital gold, facilitated through our registered third-party partners (e.g., Augmont).
• Referral & Reward Programs: A structured network/business program where users can earn commissions based on successful referrals and network/business.

5. Subscription & Membership Fees

• Activation Fee: The one-time subscription or membership fee is charged to activate premium features and provide prioritized service.
• Refund Policy: All subscription fees paid to Excellent Finserv are strictly non-refundable once the service is activated on the user's dashboard.

6. Referral & Sponsor Commission Policy

• No Guaranteed Income: The referral and business programs are promotional reward structures. We do not guarantee any fixed income, salary, or financial return simply by joining the network.
• Valid Transactions: Commissions are generated strictly based on actual, successful transactions made by your referred network (downline).
• Modification Rights: Excellent Finserv Private Limited reserves the absolute right to modify, restructure (e.g., changing business levels incentive percentages), or terminate the referral program at any time without prior notice.

7. Payments, Wallet, and Fees

• Transaction Limits: The Company reserves the right to impose limits on the number and amount of transactions processed through the wallet.
• Failed Transactions: In case of failed transactions where money is deducted from your bank but not credited to the service provider, refunds will be processed as per banking guidelines (usually within 5-7 working days).
• Convenience Fees: We may charge a nominal convenience fee on certain transactions. Any applicable fees will be displayed to you before completing the transaction.

8. Specific Disclaimers for Platform Use

• General Participation: DISCLAIMER: Participation is entirely voluntary. By joining, the user acknowledges that they have read the terms and conditions and agrees that the organizers are not liable for individual technical errors or data entry mistakes.
• Accuracy of Information: DISCLAIMER: All information provided herein is for informational purposes only. While we strive for accuracy, we do not guarantee that the sign-up interface will be error-free or accessible at all times.
• Technical Issues: DISCLAIMER: We are not responsible for the functionality or performance of any external browsers or third-party sign-up platforms used during the registration process.
• Camera Access: DISCLAIMER: Camera access is used solely for profile verification and document uploads. The organizers are not responsible for any content captured or shared by the user accidentally.
• Contacts Access: DISCLAIMER: Contact access is requested to invite friends and verify identity. Users provide this access voluntarily, and the organizers are not liable for any third-party communication resulting from this sync.
• Location Access: DISCLAIMER: Location (precise and approximate) is accessed strictly to prevent fraud and comply with regulatory security guidelines.
• Microphone Access: DISCLAIMER: Microphone access is required for specific features like voice commands or verification calls. We do not record or store audio without active user engagement.

9. User Conduct and Prohibited Activities

Users are strictly prohibited from engaging in the following activities:

• Users shall not use the app for any fraudulent, illegal, or unauthorized purposes, including money laundering or terrorism financing.
• Any attempt to reverse-engineer the app, bypass security protocols, or use automated scripts/bots will result in immediate termination of the account and will be reported to the relevant authorities.

10. Account Suspension and Termination

We reserve the right to suspend or terminate your account immediately, without prior notice, if we suspect a violation of these Terms, fraudulent activity, submission of fake KYC documents, or any action that harms the Company's reputation.

11. Limitation of Liability

To the maximum extent permitted by law, Excellent Finserv Private Limited shall not be liable for any indirect, incidental, special, or consequential damages arising out of the use or inability to use the platform, including but not limited to loss of profits, data, or funds.

12. Governing Law and Dispute Resolution

• Jurisdiction: These Terms shall be governed by and construed in accordance with the laws of India.
• Disputes: Any disputes arising out of these Terms shall be subject to the exclusive jurisdiction of the competent courts located in Ghaziabad, Uttar Pradesh.

Effective Date: April 01, 2026

1. Introduction

Excellent Finserv Private Limited ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (the "App"). Our App provides digital financial services, mobile recharge, utility bill processing, digital gold investments, and digital payments, including wallet features and automated referral reward programs.

2. Information We Collect

We may collect information about you in a variety of ways, including:

• Personal Data: Name, email address, mobile number, date of birth (if required for verification), profile photo (optional), and demographic information.
• Financial & KYC Data: Government-issued identification numbers (e.g., PAN, Aadhaar, or other government-issued ID) and bank account details required strictly for KYC compliance, UPI transactions, and payout processing. We also collect verification status and documents submitted by the user.
• Financial & Payment Information: Wallet balance and transaction history; payment records, recharge history, withdrawals, and transfers; bank account or UPI details (stored securely and only where required). Note: We do not store complete debit/credit card numbers on our servers.
• Referral Information: Referral codes and relationships, downline/upline structure data, and history of commissions, rewards, incentives, and earnings.
• Device Information: IP address, operating system, and device ID for security and fraud prevention.
• Usage Data: Pages visited and features used within the App, date, time, and duration of usage, and interaction logs for fraud detection and system improvement.

3. App Permissions & Justifications

To provide specific features, our App may request the following permissions. We only access this data with your explicit consent:

• Contacts List: Accessed strictly to facilitate mobile recharges, utility payments, and to allow users to invite friends to our referral and matrix network programs. We do not sell or share your contact list with unauthorized third parties.
• Camera & Storage: Required to capture and upload KYC documents, profile pictures, and transaction receipts.
• Location: Accessed to prevent fraudulent transactions, ensure secure logins, and comply with regulatory guidelines (such as NPCI regulations for payment processing).
• SMS: Read-only access to auto-fill OTPs for seamless and secure login verification.

4. How We Use Your Information

We use your data to:

• Create, verify, and manage user accounts.
• Enable wallet services, payments, withdrawals, and transfers.
• Process transactions, automated payouts, and utility bill payments.
• Manage your digital gold investments and SIPs.
• Operate referral reward systems, and calculate and distribute matrix commissions, incentives, and payouts.
• Perform KYC checks and ensure compliance with legal, tax, anti-money laundering (AML), and regulatory requirements.
• Detect, prevent, and investigate fraud, misuse, or technical server issues.
• Improve app functionality, performance, and overall user experience.
• Send important updates, alerts, and service notifications.

5. Disclosure of Your Information

We do not sell or rent your personal data. Your information may be shared only with:

• Payment & Banking Partners: Service providers (e.g., BBPS, NPCI) for transaction processing.
• Third-Party Service Providers: Digital asset partners (e.g., Augmont) and cloud/technology service providers (hosting, analytics, security).
• Internal Audit Teams: Internal compliance teams to ensure operational integrity.
• By Law: Regulatory or legal authorities if required to respond to legal process or to protect the rights, property, and safety of others.

6. Data Security

We use administrative, technical, and physical security measures to protect your personal information. Your sensitive data is encrypted and stored securely on robust cloud infrastructure.

7. Data Retention and Account Deletion

We keep your personal information only as long as necessary for business purposes and legal obligations.

• User Deletion Rights: You have the right to request the deletion of your account and personal data. Users can navigate to Profile > Settings > Delete Account within the App, or contact our support team. We will delete your data except for information required for regulatory compliance.

8. Third-Party Services

The App may integrate third-party services such as payment gateways, analytics tools, or login providers. Their data practices are governed by their own respective privacy policies.