Terms of Use

dPaisa digital wallet services (“services” or “dPaisa Services”) are provided by Goldmine Business Group Pvt.Ltd.(“We”, “Us” or “our”) through our website www.dpaisa.com.np) and our software application available on Apple App Store and Google Play Store (“dPaisa app”) and our network of agents.

These terms and conditions govern all use of the Services. They are offered to you, the purchaser of the Services (“you”, “your”,” customer” “user”), subject to your acceptance without modification. When accepted by you, these terms and conditions form a legally binding contact between you and us (“Contract “). If you are entering into these terms and conditions on behalf of an entity, you represent that you have the legal authority to bind that entity.

By registering for, accessing, using or attempting to use the Services in any capacity, you acknowledge that you have read and understood these terms, and accept and agree to be bound by the terms of this Contract.

If you do not agree to be bound by these terms, then please do not access or otherwise use the Services. Users who violate these terms and conditions may have their access and use of the Services suspended or terminated, at our discretion.

Disqualification

You may not enter into this Contract, If:

  1. You are under 16 years of age,
  2. You have been previously prohibited from using dPaisa Services and such prohibited is still in effect, or
  3. You have been restricted or otherwise considered incompetent by law from entering into contracts of this nature.
Commencement and Term
  1. This Contract shall come into force immediately upon your acceptance of these terms and conditions by clicking the “I Accept” button provided below.
  2. This Contract shall continue in force indefinitely, subject to termination in accordance with this Contract.
Electronic Communication
  1. Communication to be provided in Electronic Form. We may provide you with any or all of the following types of communications electronically.
    • Disclosures, notices and other communications associated with your access to or use of the Services including fees or charges and other transaction disclosure.
    • Customer services communications.
    • Privacy policies and notices.
    • Changes of this Agreement.
    • Statement, information and records about your transactions.
    • Information regarding debiting or charging.
    • Error resolution policies.
    • Response to claim field in connection with your access to or use of the Services.
    • Any other communications related to your access to or use of the services.
    • Marketing and other promotional communications, with your consent.
  2. Methods of Providing Communications: Communications that we provide to you in electric form will be provided either: (i) via E-mail (ii) Via SMS teat message (iii) by excess to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (iv) if reasonable, on our website www.dpaisa.com.np or our dPaisa app. You may send electronic communication by e-mailing at care@dpaisa.com.np , info@dpaisa.com.np You agree that these are reasonable procedures for sending and receiving electronic communication.
  3. All communication in electronic format from us to you or vice versa will be considered “in writing”.
  4. To receive electronic communication, you must provide us with a true, accurate and complete e-mail address and your contract information at the time that you first use the Services, and you must promptly notify us in writing of any changes to this information. You can update information through our website www.dpaisa.com.np or our dPaisa app.
  5. You must have and electronic device that enables excess to your e-mail account or a commercially available internet browser and a sufficiently recent version of Adobe Acrobat Reader, in order to access, view, and retain electronic communications that we make available to you.
Our contract Details
In order to contract us regarding to use of the services and this Contract. You may: (i) Call us at: (977)- 1-4620147 (ii) Email us at: care@dpaisa.com.np info@dpaisa.com.np
Fee and Payment
  1. For every transaction concluded through the use of dPaisa Services, you will be required to pay a transactions fee (“fee”) application at the time of the transaction.
  2. The structure and rates of the Fees charges for the various Services are mentioned under the “Charge” link on our website www.dpaisa.com.np and our software application dPaisa app. We may make any changes to the Fees structure at our sole discretion, and you will be informed about such changes through electronic communications.
  3. In addition to the Fee, you will also be required to pay the taxes applicable to the transactions (“taxes”) and any other fees and charges that third parties may impose on the transaction (“other charges”)
  4. All applicable Fees, taxes and other charges for each transaction must be paid at the time of conclusion of each transaction. You authorize us to debit your bank account or debit card or to charge against your credit card account for any amounts you owe us.
  5. The bill or receipt generated by dPaisa Services for every transaction will be contain details of the Fee and taxes applied to the transaction.
  6. All Fees are non-refundable, except as otherwise stated in this Contract.
Services, Warranties, Limitations and Disclaimers
  1. dPaisa Services include transfer of funds, making payments and all other services as posted in the "Services" link on our website www.dpaisa.com.np and our software application dPaisa app. We may make any changes to the Services at our sole discretion at our sole discretion, and you will be informed about such changes through electronic communications.
  2. We provide dPaisa Services "as is", and except as expressly provided in this Contract we disclaim all warranties, express or implied, with respect to the Services.
    • If there is any error in any of the Services provided by us, we will resolve the error at no charge to you and refund amounts that are attributable to the erroneous or defective Service, provided that you report the same to us via written or electronic communication no later than seven (7) days after you identify such an error or defect.
    • You acknowledge and warrant that we will not be held responsible for third-party services or content made available through the Services.
Your Responsibilities, and Restrictions on Your Use
  1. You will:
    • pay all applicable Fees and charges.
    • update your contact information, personal information and other required information on www.dPaisa.com.np or dPaisa app:
    • maintain the confidentiality and security of passwords and Confidential Information,
    • use reasonable efforts to prevent unauthorized access to or use of the Services
    • notify us promptly about any unauthorized access or use: and
    • cooperate to implement and maintain the Services and provisions of this Contract
  2. You will not, and will not permit other persons to:
    • sell rent, lease, land, sublicense distribute, of otherwise transfer or provide access to or use of the Services to any person, firm or entity, except as expressly authorized on this contract;
    • access or use the Services to build a competitive service or product or to copy any feature, function or graphic for competitive purposes.
    • Modify, adapt, alter or create derivative works from or merge the Services or any subpart therefore with other services or software.
    • remove or modify any proprietary markings or restrictive legends in the Services or
    • Use the Services de any of our data, systems, network services and intellectual property to engage in any illegal, abusive, or irresponsible act, including without limitation. The Transfer, investment, management or other uses of amounts from illegal sources.
Indemnification

You agree to indemnity and hold us and our shareholders, subsidiaries, affiliates directors, officers, employees, agents, representatives, suppliers, service providers and subcontractors harmless from any and all losses, liabilities, claims demands judgments and expenses, including but not limited to lawyer's fees, arising out of or in any way connected with your use of or the performance of the Services, except to extent that we are otherwise liable under this Contract or by law.

Proprietary Rights
  1. The Services, all improvements, changes, enhancements and components thereof, all other proprietary materials of Goldmine Business Group Pvt. Ltd. or its licensors that delivered, provided or used in the course of providing the Services, as well as all related intellectual property rights including, without limitation, all copyrights, patents, trademarks, service marks, trade secrets, contract rights, titles, characters, plots, themes, dialogue, stories, scripts, treatments, outlines, submissions, ideas, concepts, inventions. programs including source and object code, designs, formulas, algorithms. Packages, compositions, music, lyrics, sound effects, artwork and logos and all audio, visual or audio-visual works of every kind or reduced to embodied in any medium or tangible form and in every stage of development, production and completion, and all rights to distribute, advertise promote, exhibit or otherwise exploit any of the foregoing by any means, media or processes now known or later devised ("dPaisa Intellectual Property"), is and shall at all times remain the sole and exclusive property of Goldmine Business Group Pvt. Ltd. Nothing in this Contract will operate to assign or transfer any dPaisa Intellectual property rights from us from us to you.
  2. Goldmine Business Group Pvt. Ltd. will have the right, in its sole discretion, to modify the dPaisa Intellectual Property.
  3. You will have no right to use, copy, distribute or create derivative works of the dPaisa intellectual Property except as expressly in this Contract.
Confidentially
  1. Confidential Information" means information and intellectual property of any kind relating to the technical, marketing, product or business affairs or proprietary and trade secret information of each party in oral, graphic, written, electronics or machine-readable form, which has not been freely made available to the general public by that party, but has been made available to the other party or received or discovered by the other party in connection with the Services and this Contract.
  2. With regard to the Confidential Information that may be disclosed to each party in the course of performance of this Contract, catch party shall:
    • use the same degree of care to protect and keep confidential the Confidential Information disclosed by the other party as it/she/he would use with respect to its/her/his own information of like importance which it/she/he does not desire to have published ne disseminated, but in any event no less than reasonable care;
    • disclose such Confidential Information only for purposes of fulfilling obligations and exercising rights under this Contract: and
    • disclose such Confidential Information only to employees and persons entitled to such disclosure.
  3. Confidential Information shall exclude information that:
    • is or becomes a part of the public domain through no act or omission of the other party;
    • was in the other party’s lawful possession prior to the disclosure and had not been obtained by the other party either directly or indirectly from the disclosing party;
    • Is lawfully disclosed to the other party by a third party without restriction on disclosure: or
    • is required to be disclosed by any law, or judicial or governmental requirement or order.
Information Protection and Privacy
  1. Information Protection

    We have undertaken different safety efforts to protect your own date you enter in connection with the use of the Service. We offer the use of a secure server. All sensitive data is communicated through Secure Socket Layer (SSL), and later encrypted into our payment gateway provider's data set distinctly to be open by those approved with unique access rights to such situation, and are needed to keep the data secret.

  2. Privacy

    We value and respect your privacy. You consent that we may only utilize your personal information and other information collected from you in connection with the use of Services in any of the following ways.

    • To customize your experience and customer care as your data enables us to better support, quickly process and readily react to your individual needs. After a transaction, your private data such as information about credit card, debit card
    • financials and so on will be kept on record for over sixty (60) days in order to make the Services more convenient for you to use consistently. We use cookies un comprehend and save your inclinations for future visits and arrange information is total about site traffic and site communication with the goal that we can offer better site experiences and tools later on.
    • To improve our site, as we persistently endeavor to improve our site contributions dependent on the data and feedback, we get from you.
    • Your data, regardless of whether public or private, will not be sold, traded moved or given to some other organization in any manner whatsoever without your assent, expect as mentioned in this Contract. However, this does exclude our trusted third parties who help us in working our site, directing our business ne servicing you, insofar as those third parties thereafter consent to keep this data secret.
    • To direct a challenge(contest), promotion, survey or another site highlight.
    • We may likewise deliver your data to comply with the law and our site policies, or to ensure our own or others' rights or safety.
    • The email address provided by you may be utilized to send you related data and updates.
    • We may from time to time incorporate or offer third party products or services on our site. These outsider destinations have discrete and autonomous security approaches We, hence, have no obligation or risk for the substance and exercises of these connected sites. Regardless, we try to secure the uprightness of our site and welcome any such feedbacks. We hereafter strongly recommend our users to go through such third-party privacy policies.
Termination and Suspension
  1. Either party may terminate this Contract for violation of any provision of this Contract by the other party, if such breach remains uncured for thirty (30) days after receipt electronic communication of such breach from the non-breaching party.
  2. We may, at our sole discretion, prohibit you from using dPaisa Services for any period of time in future if this Contract is terminated due to your violation of any provision therein.
  3. The right to terminate this Contract will be in addition to any other rights and remedies that may be available to the non-breaching party.
  4. Upon termination of this Contract, all dPaisa Services are simultaneously terminated. You shall immediately cease access to or use of the Services.
  5. We may suspend your access to or use of the Services for violation of any provision of the Contract. The extent and duration of such suspension will be determined by us at our sole discretion.
Miscellaneous
  1. This Contract will be governed by the laws of Nepal.
  2. If any part of this Contract is found void and unenforceable, it will not affect the validity of the balance of the Contract, which will remain valid and enforceable according to its terms.
  3. We may change or modify the terms and conditions of this Contract from time to time, at our sole discretion. We agree to notify you of such changes through electronic communications, and we will update the relevant links on www.dpaisa.com.np, and dPaisa app.
  4. No provision of this Contract will be interpreted against any party because that party or its legal representative drafted the provision.
  5. The failure of a party to insist on strict adherence to any term of this Contract will not be considered a waiver of, or deprive that party of the right in the future to insist on it adherence to, that term or any other term of this Contract.
  6. You may not assign this Contract to any other party. We may assign this Contract or delegate any of our rights and responsibilities under this Contract to third partes without notice to you.
  7. The termination of this Contract will not affect the survival and enforceability of any provisions of this Contract which are expressly or impliedly intended to remain in force after such termination.
  8. If any dispute arises between the parties in connection with the provisions of this Contract, such dispute shall be resolved through mutual negotiation, and if such negotiation fails either party is free to seek legal remedy.
  9. This Contract sets forth the entire agreement between the parties hereto pertaining to the subject matter hereof and supersedes all prior agreements.