Terms and Conditions
These Terms and Conditions ("Terms") govern your use of the PaymentSathi mobile application ("App", "Service", "we", "us", "our").
By downloading, installing, or using PaymentSathi, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the App.
1. DESCRIPTION OF SERVICE
PaymentSathi is a notification-based utility application that reads UPI payment notifications from your device and displays transaction alerts and history for user convenience.
IMPORTANT:
- PaymentSathi is NOT a banking or financial institution
- The App does NOT process, initiate, or facilitate financial transactions
- The App does NOT access your bank account or funds
2. USER ELIGIBILITY
- You must be at least 18 years old to use this App
- You agree to use the App in compliance with all applicable laws in India
3. USER ACCOUNT
- Certain features may require account registration
- You are responsible for maintaining the confidentiality of your login credentials
- You are responsible for all activities under your account
Truecaller Login: The App offers an optional one-tap login via Truecaller. By choosing to sign in with Truecaller, you authorize PaymentSathi to receive your name and mobile number as shared by Truecaller for the purpose of account creation and authentication. Your use of Truecaller login is additionally governed by Truecaller's Terms of Service. You may alternatively register using your mobile number directly without using Truecaller.
4. PERMISSIONS AND USER RESPONSIBILITY
The App may request the following permissions:
- Notification Access → to read and process UPI payment notifications
- Internet Access → for app functionality, ad serving, and support services
- Phone State / Truecaller SDK → to enable optional one-tap login via Truecaller (only requested if you choose Truecaller login)
By granting permissions:
- You authorize the App to access relevant notifications
- You understand that disabling permissions may affect functionality
- You are responsible for managing permissions via your device settings
5. DATA USAGE AND PRIVACY
Your use of the App is also governed by our Privacy Policy.
- Payment notification data is processed locally on your device
- We do not access your bank account or UPI account
FUTURE SERVICES:
PaymentSathi currently operates using local data processing only.
We may introduce optional features such as cloud backup, synchronization, or multi-device access in the future.
Such features will:
- Be strictly optional
- Require explicit user consent before activation
- Be governed by updated Terms and Privacy Policy
6. LIMITATION OF LIABILITY
To the fullest extent permitted by law:
- The App is provided "as is" without warranties of any kind
- We do not guarantee accuracy, completeness, or timeliness of notifications
We are NOT responsible for:
- Missed, delayed, or incorrect payment notifications
- Financial losses or damages
- Any reliance placed on app-generated information
Users must verify transactions directly through their bank or official UPI applications.
7. THIRD-PARTY SERVICES
The App integrates with the following third-party services:
- The App interacts with notifications from third-party apps (e.g., UPI apps)
- We are not affiliated with or endorsed by any bank, payment provider, or government authority
- Google AdMob: The App displays advertisements served by Google AdMob. By using the App, you acknowledge that ads may appear and that AdMob operates under its own terms and privacy policy. You may opt out of personalized ads via your device settings.
- Truecaller: Optional login via Truecaller is subject to Truecaller's Terms of Service.
Future versions of the App may also include:
- Subscription plans or paid features
All such future features will be strictly optional.
8. ADVERTISING
The App currently displays advertisements served by Google AdMob. These ads help us keep the App free for all users.
- Ads are served automatically by Google AdMob based on your device's Advertising ID and usage context
- We do not control the specific ads displayed, as these are managed by Google's ad systems
- You may opt out of personalized advertising via Settings → Google → Ads → Opt out of Ads Personalization on your Android device
PaymentSathi is not responsible for the content of third-party advertisements displayed within the App.
9. PROHIBITED USE
You agree not to:
- Use the App for unlawful or fraudulent purposes
- Attempt to reverse engineer, modify, or exploit the App
- Interfere with app performance, security, or services
10. TERMINATION
We reserve the right to:
- Suspend or terminate access if you violate these Terms
- Modify or discontinue the App at any time without prior notice
11. CHANGES TO TERMS
We reserve the right to update or modify these Terms at any time.
We will notify users of material changes through the App or other appropriate means.
Your continued use of the App after such changes constitutes acceptance of the updated Terms.
If you do not agree, you must discontinue use of the App.
12. GOVERNING LAW
These Terms shall be governed by the laws of India, including the Digital Personal Data Protection Act, 2023.
13. GRIEVANCE REDRESSAL
If you have any concerns regarding your data or these Terms, you may contact:
We will address concerns within a reasonable timeframe.
14. CONTACT
For general inquiries:
Email: support@schoolship.in
Location: India
