Terms & Conditions
Effective Date: 01-03-2026
Welcome to TopCard (hereinafter referred to as “we”, “our”, “us”, or “Company”). By accessing or using the TopCard website, mobile applications, or related services (collectively referred to as the “Platform”), you agree to comply with and be bound by these Terms & Conditions (“Terms”).
If you do not agree with any part of these Terms, please discontinue use of the Platform immediately.
1. DEFINITIONS
“User” means any individual or entity accessing or using the Platform.
“Services” refers to digital payment facilitation services provided by TopCard, including but not limited to bill payments, mobile recharges, FASTag recharge, and other financial services.
“Content” means information, text, images, graphics, or other materials uploaded, downloaded, or appearing on the Platform.
“Third Parties” means entities outside the control of the Company, including banks, payment gateways, telecom providers, utility companies, and analytics providers.
2. ELIGIBILITY
You must be at least 18 years of age and legally capable of entering into binding contracts under applicable law to use the Platform.
By accessing or using TopCard, you represent and warrant that you meet these eligibility requirements.
3. ACCOUNT REGISTRATION
Certain services on the Platform require users to create an account.
By registering, you agree to:
- Provide accurate, current, and complete information
- Maintain and update your account details
- Keep your login credentials confidential
You are responsible for all activities that occur under your account.
4. KYC AND DOCUMENTATION
To comply with applicable regulations, TopCard may require Know Your Customer (KYC) verification.
Users may be asked to provide:
- Identity proof
- Address proof
- Mobile number verification
- Other documentation as required by regulatory authorities
Accounts with incomplete or unverifiable KYC may be restricted or declined.
5. USE OF SERVICES
You agree to use the Platform only for lawful purposes.
You must not use TopCard for:
- Fraudulent or illegal activities
- Money laundering or financing unlawful activities
- Attempting to hack, disrupt, or damage the Platform
- Violating any applicable laws or regulations
Violation of these rules may result in account suspension or termination.
6. FEES AND CHARGES
TopCard may charge fees for certain services provided on the Platform.
These may include:
- Service charges
- Processing fees
- Taxes required by law
All applicable charges will be communicated to users before completing a transaction.
7. TRANSACTION POLICIES
All transactions processed through the Platform are subject to verification and approval.
TopCard is not responsible for delays, failures, or reversals caused by:
- Banks
- Payment gateways
- Telecom providers
- Utility service providers
- Technical issues beyond our control
Users must verify payment details before confirming any transaction.
8. REFUND & CANCELLATION POLICY
Once a transaction has been successfully completed, refunds are generally not permitted.
Refunds may be issued only in specific cases such as:
- Failed transactions
- Technical errors
- Duplicate payments
Approved refunds will be processed within 7–10 business days, subject to verification.
TopCard reserves the right to deny refund requests in cases of misuse or fraudulent activity.
9. CONTENT AND INTELLECTUAL PROPERTY
All content available on the Platform, including:
- Logos
- Trademarks
- Text
- Graphics
- Software
- Website design
is the intellectual property of TopCard or its licensors and is protected under applicable intellectual property laws.
Users may not reproduce, distribute, or copy any material without written permission.
10. THIRD-PARTY LINKS
The Platform may contain links to third-party websites or services.
TopCard does not control or endorse these websites and is not responsible for their content, policies, or practices.
Accessing third-party services is done at your own risk.
11. LIMITATION OF LIABILITY
To the maximum extent permitted by law, TopCard and its affiliates shall not be liable for:
- Direct or indirect damages
- Loss of data
- Loss of income or profits
- Service interruptions
- Transaction failures caused by external providers
This limitation applies to all use of the Platform.
12. INDEMNIFICATION
You agree to indemnify and hold harmless TopCard, its directors, employees, partners, and affiliates from any claims, losses, damages, or expenses resulting from:
- Your misuse of the Platform
- Violation of these Terms
- Violation of any applicable laws or third-party rights
13. PRIVACY POLICY
Your use of the Platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
By using the Platform, you agree to the terms outlined in the Privacy Policy.
14. TERMINATION
TopCard reserves the right to suspend or terminate user accounts at any time if:
- These Terms are violated
- Fraudulent or suspicious activity is detected
- Required by legal or regulatory authorities
Termination may occur with or without prior notice.
15. GOVERNING LAW & JURISDICTION
These Terms & Conditions are governed by the laws of India.
Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of courts located in India.
16. CHANGES TO TERMS
TopCard reserves the right to update or modify these Terms at any time.
Updated Terms will be published on the Platform along with the revised effective date.
Continued use of the Platform after changes indicates acceptance of the updated Terms.
17. CONTACT INFORMATION
If you have any questions regarding these Terms & Conditions, please contact us:
Email: topcardwebtech@gmail.com
Customer Support: +91-9870011102
Company: TopCard
Website: www.topcard.in