Terms &Conditions
Welcome to OmkaraPay. These Terms & Conditions explain the rules and conditions that apply when you access our website or use applicable OmkaraPay services.
By accessing or using our website and services, you agree to the following Terms & Conditions.
Effective Date
July 25, 2026
Governing Law
Laws of India
Terms Overview
Important Service Terms
Eligibility
Applicable account and service requirements
Services
Terms for enabled service capabilities
Transactions
Payment and transaction responsibilities
Responsible Use
Account security and lawful usage
Please Review Carefully
Additional service-specific terms or agreements may apply to particular OmkaraPay services.
Understanding TheseTerms
Welcome to OmkaraPay. By accessing or using our website and services, you agree to the following Terms & Conditions.
These Terms apply to your use of the OmkaraPay website and, where applicable, services made available through OmkaraPay. Particular services may also be subject to additional agreements, provider requirements, eligibility conditions, charges, limits or operating procedures.
Use ofWebsite
You must use the OmkaraPay website and applicable services only for lawful and legitimate purposes.
Use this website only for lawful purposes.
Do not attempt to misuse, damage, interfere with or disrupt the website, systems or applicable services.
Do not attempt to gain unauthorized access to accounts, systems, data or restricted areas.
Do not use the website to transmit unlawful, fraudulent, harmful or misleading material.
Unauthorized use may result in legal action or criminal proceedings.
IntellectualProperty
All content including text, graphics, logos, software, images, and designs belongs to OmkaraPay unless otherwise stated.
Reproduction or distribution without written permission is strictly prohibited.
OmkaraPay branding, website content and applicable original materials may not be copied or redistributed without appropriate permission.
Third-party names, trademarks, logos or materials remain the property of their respective owners where applicable.
Nothing on the website grants a licence to use protected intellectual property unless expressly stated.
OmkaraPayServices
Service information provided on this website is for general information only.
Final service terms will be governed by separate agreements with clients.
We reserve the right to modify or discontinue services at any time.
Service Availability
Particular services may depend on eligibility, onboarding, account configuration, activation and applicable provider arrangements.
External Dependencies
Some services may rely on banks, payment networks, technology providers or other external service infrastructure.
Additional Terms
Individual services may be governed by additional conditions, agreements, charges, limits or operational requirements.
Service Changes
Features, availability or service workflows may be changed, suspended or discontinued where applicable.
Limitation ofLiability
OmkaraPay shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or its services.
To the extent permitted under applicable law and subject to any applicable service agreement, service performance may also depend on systems or infrastructure outside OmkaraPay's direct control.
Temporary website or service interruptions may occur.
Banking, payment-network, provider or telecommunications issues may affect applicable service workflows.
Users are responsible for verifying transaction information and applicable transaction status.
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is not permitted by applicable law.
Third-PartyLinks
Our website may contain links to third-party websites. We are not responsible for their content or privacy practices.
Third-party websites and services may have their own terms, conditions and privacy policies. Users should review those terms before interacting with an external website or service.
GoverningLaw
These Terms shall be governed by the laws of India. Any disputes shall be subject to the jurisdiction of the courts in Maharashtra, India.
Governing Law
Laws of India
Jurisdiction
Courts in Maharashtra, India
Changes toTerms
We reserve the right to modify these Terms & Conditions at any time. Updates become effective immediately after publication on this page.
Users are encouraged to review the current Terms periodically, particularly before using applicable OmkaraPay services.
Eligibility &Onboarding
Access to particular OmkaraPay services may be subject to eligibility, onboarding, verification, business information and other applicable requirements.
Users must provide accurate and current information where required for onboarding or service access.
Applicable eligibility or verification requirements must be completed before restricted services can be enabled.
Providing false, misleading or unauthorized information may result in rejection, restriction or suspension of applicable service access.
Service eligibility may vary according to the service, account type and applicable provider requirements.
Account & UserResponsibility
Where an OmkaraPay account or login is provided, the user is responsible for using the account appropriately and protecting applicable credentials.
Keep usernames, passwords and authentication credentials confidential.
Do not knowingly permit unauthorized persons to use your account.
Do not share OTPs, PINs or other confidential authentication credentials.
Ensure information submitted through your account is accurate to the best of your knowledge.
Contact OmkaraPay if you become aware of suspected unauthorized access or misuse of your account.
Payments &Transactions
Where payment or transaction services are enabled, users are responsible for reviewing applicable transaction details before confirming or initiating a request.
Transaction Details
Review applicable customer information, amount, account or bill details and other relevant information before submission.
Transaction Status
A transaction should be treated according to the applicable final status shown or otherwise confirmed through the relevant service workflow.
Processing Dependencies
Processing may depend on banks, billers, payment networks, providers or other applicable external systems.
Incorrect Information
Users are responsible for carefully checking information supplied when initiating an applicable transaction.
Pending, Failed &Duplicate Transactions
Transaction outcomes may vary according to the applicable service, provider and payment infrastructure.
A pending transaction should not automatically be treated as successful or failed until an applicable final status is available.
Where a transaction appears failed, users should review available status information before attempting the same transaction again.
Repeating a transaction before checking the earlier transaction status may create a duplicate-payment risk.
Where applicable, transaction references and available supporting information should be retained for support or dispute enquiries.
Refund or reversal handling, where applicable, may depend on the relevant provider, bank, biller, payment network and applicable refund policy.
Fees, Charges &Transaction Limits
Applicable services may be subject to charges, fees, transaction limits, account limits or other service-specific conditions.
Where applicable, users should review the relevant service information or agreement before proceeding with a chargeable service or transaction.
Charges may differ according to the applicable service or arrangement.
Transaction or service limits may apply.
Applicable fees, taxes or other charges may be subject to the relevant service terms.
Limits or charges may change where permitted under applicable agreements or requirements.
ProhibitedActivities
OmkaraPay services and website features must not be used for unlawful, fraudulent or unauthorized purposes.
Fraudulent, deceptive or unlawful transactions or activities.
Unauthorized access to another person's or business's account.
Providing knowingly false or misleading information.
Attempting to bypass applicable security, eligibility or service controls.
Using applicable services in violation of law or applicable service requirements.
Interfering with the operation, security or availability of the website or services.
Using automated or technical methods to access restricted systems without authorization.
Third-Party ServiceDependencies
Certain OmkaraPay services may depend on third-party systems, providers or infrastructure.
Banks and applicable financial-service infrastructure.
Payment networks and payment-processing infrastructure.
Billers or applicable service providers.
Technology, telecommunications or connectivity providers.
Other external providers required for an applicable service workflow.
Availability, response times, transaction processing and final status may therefore be affected by systems outside OmkaraPay's direct control.
Service Availability &Interruptions
We aim to make applicable website and service functionality available as reasonably practicable, but uninterrupted availability is not guaranteed.
Maintenance or technical changes may temporarily affect access.
Connectivity or infrastructure failures may affect service availability.
Third-party systems may be unavailable or delayed.
Features or services may be changed, restricted or temporarily suspended where necessary.
Suspension &Termination
Subject to applicable agreements and requirements, access to an account or service may be restricted, suspended or terminated where reasonably necessary.
Suspected unauthorized or fraudulent activity.
Violation of these Terms or applicable service conditions.
Failure to satisfy applicable eligibility or verification requirements.
Legal, security, provider or operational requirements.
Misuse of the website, account or applicable services.
ServiceDisclaimer
Website content and general service information are provided for informational purposes and may not represent the complete terms applicable to a particular account, service or transaction.
Users should review applicable service information, agreements, transaction details and provider requirements before using a particular service.
Nothing on the website should be interpreted as overriding any separate service agreement or mandatory requirement that applies to a particular service.
IndemnityProvision
To the extent permitted by applicable law and subject to applicable agreements, users may be responsible for losses, claims or expenses arising from their unlawful misuse of the website or services, violation of these Terms, or infringement of applicable rights.
The application of any indemnity obligation will depend on the relevant circumstances, applicable law and any separate agreement governing the service.
PrivacyPolicy
Use of the website and applicable services may involve the collection or processing of information. Please review the OmkaraPay Privacy Policy for information about our privacy practices.
Refunds &Cancellations
Refunds, reversals and cancellation requests, where applicable, are subject to the nature and status of the relevant transaction, applicable provider processes and the OmkaraPay Refund & Cancellation Policy.
ContactOmkaraPay
If you have questions about these Terms & Conditions or an applicable OmkaraPay service, you can contact us using the details below.
Contact Details
Important User Responsibilities
Check Transaction Details
Review applicable customer, account, bill and amount information before confirming a transaction.
Protect Your Account
Keep passwords, OTPs, PINs and other authentication credentials confidential.
Review Transaction Status
Check the applicable final status before repeating a payment or transaction.
Follow Applicable Terms
Individual services may have additional eligibility, limits, charges or provider requirements.
Terms Enquiry
Have Questions About TheseTerms?
Contact OmkaraPay if you have a question about these Terms & Conditions or need information regarding an applicable service.
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Office Address
9th Floor, Building No./Flat No. 23R, 4.3, Navjeevan Society, Dr. Dadasaheb Bhadkamkar Marg, Mumbai Central, Mumbai – 400008, Maharashtra, India.