Platform Service Disclosure

This Platform Service Disclosure ("Disclosure") explains the nature of services offered through Neobyt Fintech ("Neobyt", "Company", "we", "our", or "us"), including the role of third-party partners, service dependencies, and general operational responsibilities associated with the Services.

This Disclosure applies to customers, merchants, agents, distributors, API users, business partners, and all users accessing or using the Services ("Users"). By accessing or using the Services, Users acknowledge and agree to this Disclosure.

1. Platform Nature

Neobyt operates as a technology-enabled retail financial commerce and digital services platform. The Company provides software systems, APIs, merchant enablement tools, operational infrastructure, and digital platform services that enable users to access various commerce, operational, communication, and partner-enabled services.

Certain services available through the platform may be facilitated, fulfilled, processed, operated, or supported by authorized third-party ecosystem participants including banking partners, payment service providers, telecom operators, utility providers, travel service providers, infrastructure partners, or other regulated or operational service providers. Use of such services may additionally be subject to applicable partner terms, operational conditions, and service-specific requirements.

2. Nature of Services

Services available through the platform may include:

• recharge and bill payment services;
• merchant enablement and operational tools;
• QR and collection services;
• ERP and retail software;
• API and white-label infrastructure;
• communication and notification services;
• travel and booking services;
• partner-enabled commerce services;
• operational and business management tools.

Availability of Services may vary depending on geographic availability, partner integrations, operational conditions, external infrastructure, technical limitations, or service-specific restrictions.

3. Third-Party Dependencies

Certain Services depend on third-party infrastructure and external systems including banking networks, payment gateways, telecom systems, APIs, travel providers, utility operators, cloud and hosting infrastructure, and partner-operated systems.

Users acknowledge that:

• certain services are processed or fulfilled by external partners;
• transaction processing or settlement timelines may depend on third-party systems;
• interruptions, delays, or failures may occur due to external operational dependencies.

Neobyt does not control third-party infrastructure or external partner systems beyond its operational scope.

4. Service Availability

Neobyt seeks to maintain reliable platform operations but does not guarantee uninterrupted availability of Services. Temporary interruptions or limitations may occur due to:

• maintenance activities;
• partner downtime;
• telecom or network disruptions;
• system upgrades;
• operational incidents;
• cybersecurity events;
• or external infrastructure dependencies.

Neobyt may modify, suspend, restrict, or discontinue Services or platform features periodically for operational, security, partner, or business reasons.

5. Transaction and Settlement Processing

Certain payment, recharge, bill payment, merchant, or partner-enabled services may involve transaction authorization, partner processing, settlement cycles, reconciliation procedures, or external approval workflows.

Users acknowledge that transaction success may depend on external systems, settlement or refund timelines may vary, and partner operational conditions may impact service delivery. Refunds, reversals, and cancellations are governed by the applicable Refund & Cancellation Policy and partner processes where relevant.

6. Pricing and Charges

Certain Services may involve convenience fees, service charges, subscription fees, partner charges, transaction fees, or taxes and statutory deductions. Applicable charges may vary depending on service category, partner pricing, transaction type, operational requirements, or promotional conditions. Additional information may be available through the applicable Service Charges & Pricing policy.

7. User Responsibilities

Users are responsible for:

• providing accurate information;
• reviewing transaction details before confirmation;
• maintaining security of credentials and devices;
• using the Services lawfully and responsibly;
• complying with applicable partner or operational requirements.

Users should ensure that mobile numbers, account details, payment information, and booking or transaction references are accurate before confirming transactions.

8. Information and Data Handling

Use of the Services may require collection and processing of operational, transactional, verification, or personal information in accordance with the Privacy Policy, applicable operational requirements, service-specific conditions, and partner or infrastructure dependencies. Regulated customer and payment-related information maintained by Neobyt is stored and processed within India in accordance with applicable operational and legal requirements.

9. Limitation of Responsibility

Neobyt shall not be responsible for:

• third-party service interruptions;
• banking or telecom downtime;
• partner operational failures;
• API disruptions;
• delays caused by external systems;
• transaction failures outside its reasonable operational control;
• inaccurate information submitted by Users;
• misuse of Services by Users or third parties.

Users acknowledge that certain Services rely on external infrastructure and ecosystem participants beyond Neobyt's direct operational control.

10. No Professional or Financial Advice

Information or services made available through the platform are provided for general operational or service-related purposes. Nothing on the platform should be interpreted as financial advice, investment advice, legal advice, tax advice, or professional consulting services unless specifically stated otherwise. Users should independently evaluate services and seek professional guidance where necessary.

11. Changes to Services and Disclosure

Neobyt may periodically add, modify, suspend, restrict, or discontinue Services, features, integrations, pricing structures, or operational workflows. This Disclosure may also be updated periodically to reflect operational changes, partner requirements, technology developments, legal updates, or business modifications. Updated versions will be published on the official website. Continued use of the Services after updates constitutes acceptance of the revised Disclosure.

12. Contact Information

For operational, service-related, or platform-related queries, contact:

Neobyt Fintech Private Limited
Email: [email protected]