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TERMS AND CONDITIONS

Introduction

Welcome to branchX India Private Limited (“Company”, “we”, “our”, “us”)!

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading, using the branchX website branchX.in and all associated sites linked to branchX, or the branchX mobile application or any similar platform relating to branchX entity.

These Terms of Service (“Terms”, “Terms of Service”) govern your use of our website located at www.branchx.in (together or individually “Service”) operated by branchX India Private Limited.

The agreements governing your use of our website are: the Terms, Disclaimer, and Privacy Policy. You also acknowledge that you have read, understood, and agree to be bound by those agreements.

Our Privacy Policy also governs your use of our services and explains how we collect, safeguard and disclose information that results from your use of our web pages.

If you do not agree with or cannot comply with the terms of use, you may not use this site or our services. In case of any query or support, please reach us at care@branchx.in.

We require that all visitors, users and others who wish to access or use our services do so in accordance with the following terms.

1. TERMS OF USE

By using our payment service, you agree to the following terms and conditions. You must only use your account to add funds to and transfer payments from your account for personal, non-commercial use. You are not allowed to add funds via a third-party account, with or without the knowledge of that third party, or transfer money to any account involved in any prohibited or suspicious activity, and if you add funds via a third-party account, you will be solely liable for any and all consequences.

branchX reserves the right to take any action deemed necessary measures, including blocking payments, wallets, accounts, cards, or amounts, if we suspect any fraudulent or illegal activities in connection with your account. Furthermore, you agree to allow any regulatory or law enforcement agency to request information about your account, wallet, transaction, or other details (including KYC information), and we will share such information in accordance with applicable laws and regulations.

By using our payment service, you accept that all applicable laws and regulations governing payments in India, as described by the Cyber Cell and Government of India, are applicable to your use of our payment service. You must comply with all such laws and regulations when using our service. We disclaim any and all liability for any damages or losses arising from your failure to comply with such laws and regulations. You accept full responsibility for all actions taken by us, or any regulatory or law enforcement agency, with regards to your account.

By using our payment service, you acknowledge that you have read, understood, and agreed to be bound by these terms and conditions.

We guarantee that all the information collected from our customers for the purpose of opening of account will be kept strictly confidential and will not be used for any purpose other than for the intended use.

Please read the terms set out hereunder carefully before agreeing to the same. By agreeing to these Terms of Use, you confirm that you have read and fully understand the terms and conditions associated with the use of our website and the services we provide.

If you do not agree to these Terms of Use (including any referenced policies or guidelines), please immediately terminate your website engagement. You can accept the Terms of Use by:

  • Clicking to accept or agree to the ‘Terms of Use’, where this option is made available to you by branchX in the user interface for any particular service; or
  • Accessing, testing or actually using the services. In this case, you understand and agree that branchX will treat your use of the Services as acceptance of the Terms of Use from that point onwards.

By using the Website, Users, Sellers and Clients agree to these Terms of Use, which are subject to change from time to time without prior notice. The most recent version of these Terms of Use can be viewed at any time at branchX's website. Users, Sellers and Clients should review the most current version of these Terms of Use frequently to stay informed of updates. By continuing to access or use the Website after any such changes become effective, Users, Sellers and Clients agree to be bound by the revised Terms of Use.

You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction, including but not limited to the provisions of the RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002, Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Regulation, RBI (the "KYC GUIDELINES") etc., that may be applicable to you in connection with your business and use of our Services.

The objective of KYC/AML/CFT guidelines is to prevent us from being used, intentionally or unintentionally, by criminal elements for money laundering or terrorist financing activities. KYC procedures also enable banks to gain better knowledge of their customers and their financial dealings better which in turn help them manage their risks prudently.

By Using the Services, you acknowledge that branchX is not a bank and the services should not be interpreted as banking service.

Eligibility

Any person who is above eighteen (18) years of age and competent to contract under the applicable laws is eligible to access or avail the Services offered by branchX.

By accessing or using the Website or other services, you hereby represent and warrant that you are competent to contract under the Indian Contract Act, 1872 and any amendments thereto. If you are registering as a business entity, then you represent and warrant that you have the authority to bind to the Terms of Use.

The User agrees to be financially responsible for all of User's usage (including the purchase of any Service) and access of the Website. The User also agrees to be responsible for use of User's account by any other services . The Terms of Use are void in any jurisdiction where prohibited by applicable laws, and the right to access the Website is automatically revoked in such cases.

Prohibited Uses

You may use service only for lawful purposes and in accordance with Terms. You agree not to use Service:

  • In any way that violates any applicable national or international law or regulation.
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
  • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.
  • To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.
  • In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.

Additionally, you agree not to:

  • Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party’s use of Service, including their ability to engage in real time activities through Service.
  • Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.
  • Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.
  • Use any device, software, or routine that interferes with the proper working of Service.
  • Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.
  • Attack Service via a denial-of-service attack or a distributed denial-of-service attack.
  • Take any action that may damage or falsify Company rating.
  • Otherwise attempt to interfere with the proper working of Service.

Obligations of PPI Holder

  • These terms and conditions (“Terms”) shall be applicable to the use of BranchX India's co-branded Raja Rani Prepaid Cards (“Card”) having Visa and Rupay as Networks.
  • 2. The Card will be issued by LivQuik Technology (India) Private Limited (“PPI Issuer”), authorised by the Reserve Bank of India (“RBI”) to issue prepaid instruments (PPI). The Raja Rani Cards are the registered trademarks of BranchX India Private Limited and the PPI issued is valid for a period of 5 year or valid until the expiry date printed on the cards. Card holders can view the expiry date of the prepaid card on the mobile application at any point in time.
  • The Card is issued subject to the applicable laws, regulations, and guidelines issued by RBI or any other statutory authority.
  • The Card is intended for use as a Prepaid Payment Instrument (“PPI”) and can be used to make payments for goods, services, and other payments as permitted by RBI.

USAGE OF CARD

By using the Card, the Cardholder agrees to the following Terms and Conditions:

  1. The Cardholder is solely responsible for any taxes or fees that may be imposed on them as a result of their use of the Card.
  2. The PPI Issuer and BranchX India reserve the right to terminate the Card or suspend its use at any time without prior notice.
  3. The Cardholder shall not hold the PPI Issuer or BranchX India liable for any loss or damage incurred due to reasons beyond their control.
  4. The Cardholder shall indemnify the PPI Issuer and BranchX India from any claims, actions, losses, damages, costs (including legal fees), or other liabilities arising from the use of the Card.
  5. The PPI Issuer and BranchX India reserve the right to change these Terms and Conditions at any time without prior notice.
  6. The Cardholder agrees to be bound by the Terms and Conditions of the Card and acknowledges that the PPI Issuer and BranchX India reserve the right to amend, modify, and/or supplement any of the Terms and Conditions at any time without prior notice.
  7. The PPI Issuer and BranchX India shall not be liable for any losses or damages suffered by the Cardholder as a result of any failure or malfunction of the Card or any related systems or services.
  8. The Cardholder shall be solely liable for any breach of the terms and conditions of the card.
  9. The Cardholder shall not hold the PPI Issuer or BranchX India liable for any loss or damage incurred due to any fraudulent or illegal use of the Card.
  10. In the event of any dispute, the decision of the PPI Issuer and BranchX India shall be final and binding on the Cardholder.
  11. The Cardholder hereby agrees to indemnify and hold the PPI Issuer and BranchX India harmless against all claims, damages, losses or expenses arising out of or in connection with the Card, use of the Card and/or any breach of the Terms and Conditions.
  12. Once you subscribe to the PPI issued by LivQuik, you also agree to be bound by LivQuik Terms & Condition mentioned on LivQuik's website.
  13. It is your responsibility to visit LivQuik's Website on a regular basis to obtain the latest updates of its terms and conditions of use and its privacy policy.

Account Opening Process:

To open an account with branchX, customers must first download the branchX app from Google Play Store and follow steps outlined below:

  • If you are a new user, click on ‘Sign Up’.
  • Enter your mobile no. and OTP.
  • Choose a language and add relevant details.
  • On the branchX homepage, Select Raja or Rani card and Click 'Activate'.
  • Scan the QR code from the branchX welcome kit to activate Raja or Rani card.
  • User will get a popup saying ‘Raja Card is activated’ and ‘Rani card is activated’.

KYC

KYC stands for "Know Your Customer" and is a process used by financial institutions to verify the identity of their customers and assess the risks associated with their financial transactions.

Features of Min-KYC PPIs

  1. Minimum details shall necessarily include a mobile number verified with OTP and a self-declaration of name and unique identity / identification number of any ‘mandatory document’ or OVD or any such document with any name listed for this purpose in the Master Direction on KYC, as amended from time to time;
  2. Such PPIs shall be reloadable in nature. Loading / Reloading shall be from a bank account / credit card / full-KYC PPI;
  3. The amount loaded in such PPIs during any month shall not exceed Rs.10,000 and the total amount loaded during the financial year shall not exceed Rs.1,20,000;
  4. The amount outstanding at any point of time in such PPIs shall not exceed Rs.10,000;
  5. These PPIs shall be used only for purchase of goods and services. Cash withdrawal or funds transfer from such PPIs shall not be permitted;
  6. PPI issuer shall give an option to close the PPI at any time. The closure proceeds can be transferred ‘back to source account’ (payment source from where the PPI was loaded). Alternatively, the closure proceeds can be transferred to a bank account after complying with KYC requirements of PPI holder;
  7. Above mentioned points are standard features of Min KYC PPI. Kindly refer Min KYC benefits section below for information on features offered for this program.

Min KYC Limits and Benefits:

Feature Transaction Limit
Add Money 10,000/Month
Add Money 1,20,000/Year
Spin and Win 3 Spin
Insurance Eligible for Accidental Insurance
Card Activation Purchase and activate the Card
PoS & ECOM Transaction Applicable as per limit i.e. 10K
Referral Can refer the app, will get the referral award once the new user becomes Full KYC. i.e. INR 25
BranchX Wallet to Wallet Transfer No
ATM Withdrawal No
Send Money No
Scan & Pay No
Edit Profile Yes

Features of Full-KYC PPIs

  1. Such PPIs shall be reloadable in nature;
  2. The Video-based Customer Identification Process (V-CIP) can be used to open full-KYC PPIs as well as to convert Small PPIs
  3. The amount outstanding shall not exceed Rs.2,00,000/- at any point of time;
  4. The funds can be transferred ‘back to source account’ (payment source from where the PPI was loaded) or ‘own bank account of the PPI holder’ (duly verified by the PPI issuer). However, PPI issuer shall set the limits considering the risk profile of the PPI holders, other operational risks, etc.;
  5. PPI issuer shall provide the facility of ‘pre-registered beneficiaries’ whereby the PPI holder can register the beneficiaries by providing their bank account details, details of PPIs issued by same issuer (or different issuer as and when permitted), etc.;
  6. In case of such pre-registered beneficiaries, the funds transfer limit shall not exceed Rs.2,00,000/- per month per beneficiary. PPI issuer shall set the limits within this ceiling considering the risk profile of the PPI holders, other operational risks, etc.;
  7. Funds transfer limits for all other cases shall be restricted to Rs.10,000/- per month;
  8. Funds transfer from such PPIs shall also be permitted to other PPIs, debit cards and credit cards as per the limits given above;
  9. There is no separate limit on purchase of goods and services using PPIs and PPI issuer may decide limit for these purposes within the overall PPI limit;
  10. >PPI issuer shall clearly indicate these limits to the PPI holders and provide necessary options to PPI holders to set their own fund transfer limits;
  11. >PPI issuer shall also give an option to close the PPI and transfer the balance as per the applicable limits of this type of PPI. For this purpose, the issuer shall provide an option, including at the time of issuing the PPI, to the holder to provide details of pre-designated bank account or other PPIs of same issuer (or other issuer as and when permitted) to which the balance amount available in the PPI shall be transferred in the event of closure of PPI, expiry of validity period of such PPIs, etc.;
  12. cash withdrawal shall be permitted upto a maximum limit of Rs.2,000/- per transaction within an overall monthly limit of Rs.10,000/- per PPI across all channels (agents, ATMs, PoS devices, etc.);
  13. Above mentioned points are standard features of Full KYC PPI. Kindly refer Full KYC benefits section below for information on features offered for this program.

Full KYC Limits and Benefits:

Feature Feature Transaction Limit
Add Money 200000 /Month
Add Money 1000000/ Year
ATM Withdrawal 10000/Month
ATM Withdrawal 2000/ Transaction
ATM Withdrawal 120,000/ Year
PoS/Ecom 200,000/Month
PoS/Ecom 10,00,000/ Year
Spin and Win 3/day
Insurance Eligible for Accidental Insurance
Card Activation Can purchase and activate the card
PoS & ECOM Transaction Applicable as per above limit
Referral Can refer the app, will get the referral award once the new user becomes full KYC. i.e. INR 25
Virtual Account Account Number and IFSC Code
Account Number and IFSC Code Yes
BranchX Wallet to Wallet Transfer Available
Statement Yes
Send Money Wallet and External Bank A/C
Edit Profile Not Available

How to do Full KYC:

  1. Click on the ‘Get Full KYC’ icon at the top of the screen.
  2. Click ‘Proceed to Full KYC’.
  3. If the user has a Pan Card choose the option ‘With Pan’ and click on ‘Select Method’ to proceed.
  4. Click on ‘Get Started’ and click the check box to provide user consent. Click on ‘Proceed’ once done.
  5. Click on ‘Start’ to start your video KYC process.
  6. Enter your Aadhaar number and the captcha code in their respective boxes provided and click on ‘Next’.
  7. Enter the OTP sent on the mobile number which is attached to your Aadhaar card and click on ‘Continue’.
  8. Enter the password to your Digilocker and click on ‘Continue’.
  9. Click ‘Allow’ for Digilocker KYC verification.
  10. Once your Aadhaar details have been fetched from your Digilocker successfully, click on ‘Proceed’.
  11. Check and complete your details in the form provided and click on ‘Continue’ to proceed.
  12. You can choose to capture an image of the Pan Card by choosing the ‘Capture Pan’ option or upload the image of the Pan by choosing the ‘Upload from Gallery’ option. Once chosen, click on ‘Start’.
  13. Confirm the Pan proof and click on ‘Submit’.
  14. Verify the details of your Pan and click on ‘Submit’.
  15. Choose your preferred language for the video KYC process and click ‘I’m Ready’.
  16. Check your video and audio and click on ‘Proceed’.
  17. Once the video call is completed click on ‘Done’.
  18. Your KYC will be reviewed and completed in less than five hours.
  19. If your KYC is rejected, the reason for rejection will be displayed on the branchX homepage. Review the reason for rejection, update details as required. In case of more support, please call our customer support at 09711007799, email us at care@branchx.in or visit any branchX agent for assistance.

Charges and Fees:

  1. ATM Withdrawal: 25 + GST 4.5
  2. ATM Balance Enquiry: 12 + GST 2.16
  3. ATM Mini Statement: 12 + GST 2.16

Content Sharing

For any content posted through this Website, you grant branchX India Private Limited the right and license to use, modify, publicly perform, publicly display, reproduce, distribute such Content on and through this Website. You agree that this license includes the right for branchX India Private Limited to make your Content available to other users of the Website, who may also use your Content subject to these Terms and Conditions. branchX India Private Limited reserves the right, but has no obligation, to monitor and edit all Content provided by users. All Content posted by users must be accurate and not in violation of any copyright or other intellectual property rights. We reserve the right to remove or disable access to any Content that is found to be in violation of these Terms and Conditions.

Content Liability

You hereby agree that you are solely responsible for protecting and defending us against all claims that arise from your Website. You acknowledge and agree that www.branchx.in serves only as a passive conduit and/or host for the uploading, storage and distribution of content provided by its users and plays no active role in the presentation or use of the content. We shall not be liable for any content that appears on your Website. You agree to ensure that no link(s) appear on any Website that could be interpreted as libelous, obscene or criminal, or which infringes, violates, or advocates the infringement or other violation of, any third-party rights. Furthermore, www.branchx.in does not review content uploaded by its users and does not have any obligation to monitor the Websites for inappropriate content or content that infringes any third-party rights.

Purchases

If you wish to purchase any product or service made available through our Service, you will be asked to provide certain information in order to complete the transaction. This may include but is not limited to, your credit/debit card number, card expiration date, billing address, and shipping information. You guarantee that you have the legal right to use any payment method that you provide. We may employ the use of third-party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us permission to share it with these third parties subject to our Privacy Policy. We reserve the right to refuse or cancel your order for any reason, including but not limited to product/service availability, errors in description or price, or errors in your order. We may also refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.

Fee Changes

At branchX India Private Limited, we reserve the right to modify Subscription fees. Any changes to the Subscription fees will take effect at the end of the current Billing Cycle. We will notify you with prior notice of any changes in Subscription fees in advance, giving you the opportunity to terminate your Subscription before new fees come into effect. By Continuing to use our Service following the implementation of the Subscription fees, you are agreeing to pay the updated fees.

Cookies

By using our website, you agree to us setting cookies on your device in accordance with the terms and conditions mentioned above. We use cookies to give you the best possible experience on our website. We may use these cookies to store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Internet Banking username and/or IP Data. Moreover, we use these data only to show you subtly tailored content on our site or other websites of things we think you might be interested in, in relation to branchX products and services. You will never see any advertising on our website from anyone other than branchX entities.

If you wish to opt out of all cookies for this website and any other website, you can do this through your browser settings. However, please bear in mind that this may affect how our website works. By using our website, you agree to us setting cookies on your device and agree to the terms and conditions outlined above.

Intellectual Property

The Service and its original content (excluding Content provided by users), features and functionality are the exclusive property of branchX India Private Limited and its licensors. All copyright, trademark, and other laws of domestic and foreign countries protect the service. Our trademarks may not be used in connection with any product or service without the prior written consent of branchX India Private Limited.

License

BranchX India Private Limited and/or its licensors own all intellectual property rights for all material on branchX. Any access to this material for personal use is subject to the restrictions set out in these terms and conditions. Unless otherwise stated, all intellectual property rights are reserved.

Copyright Policy

We respect the intellectual property rights of others and we have a policy of responding to any claim that content posted on our Service infringes on the copyright or other intellectual property rights of any person or entity. If you are a copyright owner or authorized to act on behalf of one, and you believe that any content posted on our Service infringes upon your copyright, please submit a copyright infringement claim to us at care@branchx.in with the subject line "Copyright Infringement" and provide a detailed description of the alleged infringement. We reserve the right to terminate the account of anyone found to be infringing on a copyright. Please note that you may be held liable for damages (including costs and attorneys' fees) if you misrepresent or make bad-faith claims of copyright infringement.

Security Policy

By creating an account with us, you affirm that you are 18 years of age or older, and that you provide us with accurate, complete, and up-to-date information. Any inaccurate, incomplete, or outdated information may result in the immediate termination of your account with us. To ensure the best protection against online fraud, both you and branchX have important roles to play. You must not share your User ID, PIN, and/or passwords with anyone and should be careful to keep them confidential. We will never ask you to provide us with your passwords/PINs. When creating your User ID and password, please do not use easily identifiable information such as your birthday, phone number, or a recognizable part of your name. If you think your User ID and/or passwords/PINs have been disclosed to a third party, are lost or stolen, or unauthorized transactions may have been conducted, you must notify us immediately at care@branchx.in.

Hyperlinking to our Content

Organizations may link to our Website without prior written approval if they are Government agencies, search engines, news organizations, online directory distributors, system wide accredited businesses, commonly-known consumer and/or business information sources, dot.com community sites, associations or other groups representing charities, internet portals, accounting, law and consulting firms, educational institutions and trade associations. Organizations must ensure that the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

Organizations interested in linking to our Website must send an email to branchX India Private Limited with their name, organization name, contact information and URL of their site, a list of any URLs from which they intend to link to our Website, and a list of the URLs on our site to which they would like to link. We will respond to their request within 2-3 weeks.

Approved organizations may hyperlink to our Website as follows:

  1. By use of our corporate name; or
  2. By use of the uniform resource locator being linked to; or
  3. By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of branchX India Private Limited's logo or other artwork is allowed without a trademark license agreement.

Removal of links from our website

If you find any link on our Website that is offensive, you can inform us immediately. We may consider your request to remove the link, but we are not obligated to do so or to respond to you. We do not guarantee that the information provided on this website is accurate, complete or up-to-date. We do not ensure that this website will remain available at all times.

Confidentiality

Both Parties agree to keep confidential all information shared between them regarding the Prepaid Cards, including any documents, data, applications, software, systems, papers, statements and business/customer information. This information must not be disclosed to any third party, unless required by law or regulation, or with the written consent of the other Party. Information that is in the public domain, or received from a third person without breach of confidentiality, or disclosed by either Party under any applicable law, rule or regulation, is excluded from this agreement.

The Parties will take all necessary measures to protect the confidential information from misuse, loss, destruction, deletion and/or alteration and agree not to misuse it or permit it to be misused for economic or other benefit. They will not make or retain any copies of any confidential information submitted by either Party other than what is necessary for the performance of their obligations. Both Parties agree to notify the other promptly of any unauthorized or improper use or disclosure of the confidential information, and to return all documents and material in their custody upon termination or expiry of the arrangement.

Indemnity

The User shall indemnify and hold branchX and any other related or third parties involved with branchX harmless from and against all losses arising out of claims, demands, actions or other proceedings due to fraud, negligence and/or willful misconduct by the User in the use of the Services; violation of applicable laws in the use of the Services and/or in the conduct of the User's business, including but not limited to the legal provisions mentioned herein; breach of the User's confidentiality obligations under these Terms of Use; disputes raised by a User's customer in relation to a transaction where such dispute is not attributable to the Services; penalties, fines, charges, or any other actions as a result of breach or violation of any of the User's representations and warranties; and fines, penalties and charges imposed by the Acquiring Bank, Card Payment Networks or any Governmental Authority on account of transactions on the User's website or platform that are in violation of applicable law. The User shall also be liable for the loss occurring due to unauthorised transactions in cases where the loss is due to negligence by the User, such as where they have shared the payment credentials, and the User shall bear the entire loss until they report the unauthorised transaction to the bank. Any loss occurring after the reporting of the unauthorised transaction shall be borne by the bank. These provisions shall survive the termination of the arrangement.

Waiver and Severability

The Company reserves the right to not enforce any term or condition of these Terms at any time. If any provision of these Terms is deemed to be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from the Terms and will not affect the validity and enforceability of any remaining provisions.

Force Majeure

In the event of a Force Majeure Event, branchX shall not be in breach of its obligation to provide the Services. Force Majeure Event includes, but is not limited to, acts of God, governmental orders, war, hostilities, invasion, armed conflict, acts of foreign enemy, embargoes, riots, insurrection, labor stoppages, outages and downtimes systems failures, revolution or usurped power, acts of terrorism, sabotage, nuclear explosion, earthquake, pandemic, epidemic, hacking or man in the middle attack or similar attacks/ intrusions, fires, typhoons, storms and other natural catastrophes. In such an event, branchX will be limited by and subject to the payment obligations of its partners banks/ financial institutions, counterparties and any other parties involved in or intrinsically linked to the provision of the Services.

Limitation of Liability

You agree to hold us and our officers, directors, employees, and agents harmless from any indirect, punitive, special, incidental, or consequential damage arising from or in connection with this agreement, including without limitation any claim for personal injury or property damage, whether in an action of contract, negligence, or other tortious action. However, this exclusion does not apply where it is prohibited by law. If liability is found on the part of the Company, it will be limited to the amount paid for the products and/or services, and under no circumstances will there be consequential or punitive damages. Please note that certain jurisdictions may not allow the exclusion or limitation of punitive, incidental or consequential damages, so this limitation or exclusion may not apply to you.

Governing Law

The laws of India shall govern these terms and conditions and any disputes that may arise out of them. We reserve the right to enforce all provisions of these Terms. In the event that any provision of these Terms is declared invalid or unenforceable by a court, the remaining provisions shall remain in effect. This document constitutes the entire agreement between the parties regarding the Service and supersedes any prior agreement between them with respect to the Service.

Termination

We may, at our sole discretion, terminate or suspend your account and bar access to the Service without prior notice or liability for any reason whatsoever. This includes, but is not limited to, a breach of our Terms and Conditions. If you wish to terminate your account, you may simply discontinue using the Service. Any provisions of the Terms and Conditions which, by their nature, should survive termination shall remain in effect after termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Changes to Service

We reserve the right to withdraw or revise our Service, and any service or material we provide via Service, at our sole discretion without prior notice. We shall not be held accountable if, due to any reason, the Service or any part of it becomes unavailable at any time. We may From time to time, we may restrict access to certain sections of Service, or the entire Service, to users, including registered users.

Amendments to Terms

We may revise our Terms at any time by updating the page. We encourage you to periodically review the Terms to stay informed of any changes. Your continued use of the Platform after any changes to the Terms have been posted will constitute your acceptance of such changes. If you do not agree to the new terms, you must stop using the Platform.

Error Reporting and Feedback

By providing us with feedback either directly at care@branchx.in, you acknowledge and agree that:

  1. you will not maintain, obtain or assert any intellectual property right or other right, title or interest in or to the Feedback;
  2. we may have development ideas similar to the Feedback;
  3. the Feedback does not contain confidential information or proprietary information from you or any third party; and
  4. we are not subject to any obligation of confidentiality with respect to the Feedback. If transfer of ownership of the Feedback is not possible due to applicable mandatory laws, you grant us and our affiliates an exclusive, transferable, irrevocable, royalty-free, sub-licensable, unlimited and perpetual right to use (including copying, modifying, creating derivative works, publishing, distributing and commercializing) the Feedback in any way and for any purpose.

Communications

By using our Service, you agree to receive communications from us in the form of emails, SMS, OTPs, newsletters, marketing or promotional materials, and other information. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing us at care@branchx.in.

branchX merely provides the platform for you to communicate with other service providers, Users, Agents, and Distributors. We are not responsible for any conversation between the parties and you must ensure that no illegal, unlawful or unauthorized communication is delivered through the branchX website or application.

We will make our best efforts to provide important alerts via SMS/email/push notifications; however, we shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. Furthermore, we cannot be held liable for the non-availability of the SMS/email alert/push notifications service in any manner whatsoever.

We will not be responsible for any error, omission, inaccuracy or non-delivery of the SMS/e-mail alert/push notification service.

We shall also not be liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by you on account of the SMS/e-mail alert/push notification facility.

You shall not republish, sell, rent, sub-license, reproduce, duplicate, or copy any material from branchX.

You must also not redistribute content from branchX. You also agree to indemnify and hold branchX and the SMS/email service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney’s fees which branchX of the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any misuse by You or improper or fraudulent information provided by You or incorrect number or a number that belongs to an unrelated third party provided by You.

Xenie

By using Xenie, you agree to our Terms and Conditions. Xenie is an in-house Intelligent multi-lingual AI-based virtual avatar algorithm built to help users to navigate their journey towards achieving financial freedom.

Xenie’s two-way communication capabilities are intended to be an intelligent and fun way to engage users in learning about financial education and make smart money decisions.

As a brand ambassador Xenie has the capacity to automate customer support, be an online helper, or function as a signpost. Xenie turns service into an experience to increase customer satisfaction, engagement and strengthen customer relations. Communicating with Xenie via chat must be treated with caution and the user is responsible for any intended personal financial choices he/she chooses to make.

  • Xenie only listens to the user when the lamp is tapped on branchX mobile application.
  • BranchX does not collect any personal user data through Xenie.
  • BranchX does not collect any audio or speech data through Xenie.
  • For quality and training purposes and to assist in providing customer support, location, GPS data, general chat session time is getting collected.
  • Personal user data such as name or any other information are not used for training purposes.
  • Xenie does not store any payment or other sensitive user information.
  • Chat data which includes Xenie-user chat questions and responses in textual format will be stored anonymously for feedback and training purposes.
  • Xenie-user chat data will not be used for any tracking purposes or malicious intent to cause any harm for users.
  • To ensure complete data protection and security, branchX stores chat data on cloud storage.
  • Any sensitive data that the user shares with Xenie via chat or audio will be the user's responsibility.

Expiry

This card will be valid for 5 years or valid until the expiry date printed on the card. Card holders can view the expiry date of the prepaid card on the mobile application at any point in time.

Once the Card is expired following process shall be followed:

  1. A new Card can be reissued based on customer request in lieu of expired card which can be used by card holders.
  2. Card which has expired can be blocked and the remaining balance in card can be refunded back to customer.
  3. LivQuik may transfer the outstanding balance to its Profit & Loss account three years after the expiry date of PPI. In case the PPI holder approaches LivQuik for refund of such amount, at any time after the expiry date of PPI, then the same shall be paid to the PPI holder in a bank account.

Spin The Wheel

  • By participating in this game, you agree to the outlined terms and conditions and hereby authorize us to add your contact information to our mailing list.
  • ‘Spin the Wheel’ game is open only to branchX registered users who are 18 years of age or older, are Indian citizens and have met eligibility requirements.
  • Full KYC must be completed for users to play the game.
  • There is no entry or any hidden fees to play the game.
  • Users are permitted to play ‘Spin the wheel’ three times per day.
  • branchX employees and their relatives are not eligible to participate.
  • branchX reserves the right to refuse entry, or refuse to award rewards to anyone in breach of these terms and conditions.
  • branchX reserves the right to cancel, suspend, or amend the terms and conditions of ‘Spin the wheel’ game if necessary.

Referrals

  1. branchX offers referral reward for Full KYC customers.
  2. User and the referred person will get Rs. 25 referral reward once the referred person completes their Full KYC process.
  3. There is no limit on referral – users can refer as many people as they’d prefer.

FAQ

  • What is Raja Rani Card?

    Raja Rani card are India's first combo cards. One for you and one for your family.

  • Who can use Raja Rani Card?

    Anyone can use Raja Rani cards. These cards will help manage family finances, especially if you work away from home. These cards are ideal for migrant workers where one card can be used by the primary breadwinner of the family while the other can be used by dependent member of the family.

  • What is the benefit of Raja Rani Card?

    Raja Rani cards are combo cards linked to a single wallet. With Raja Rani card you and your loved one can pay bills, shop, send or receive money instantly. The cards are linked to a single wallet so you can manage, track and control your family’s finances smartly.

  • How can I get Raja Rani Card?

    You can visit the nearest branchX store or download branchX app from playstore and place an order for your card.

  • How to activate Raja Rani Card?
    • Log in to the branchX app using your 6-digit numeric passcode
    • Select Raja or Rani card and Click 'Activate'
    • Scan the QR code from the branchX welcome kit to activate Raja or Rani card
    • You’ll get a popup saying ‘Raja Card is activated’ and ‘Rani card is activated’
    • You can also call our customer support at 09711007799, email us at care@branchx.in or visit any branchX agent for assistance.
  • What is the maximum limit of the card?

    If you are a Full KYC customer, you can load up to 2,00,000 in a month and 10,00,00 in a year. ATM withdrawal limit is 2,000 per transaction and 10,000 in a month.

  • How can I load money into the card?

    You can load money by using Virtual Account Number by branchX, payment gateway (UPI, debit cards, payment wallets, etc.) Note: You cannot load money via credit card.

  • What are the advantages of opening an Account with branchX? branchX offers all the services which it does as a wallet, and additional features like:
    • Two Prepaid cards for managing family finances
    • No minimum balance requirement
    • All digital transactions are free
    • Free digital Prepaid Card on account opening
    • Physical Prepaid Card can be ordered by visiting branchX store, visiting branchX agents or placing an order on the branchX app.
  • Who can help me with my Raja Rani Card?

    On the branchX app, tap the ‘lamp’ and Xenie will appear to help you with anything you need. You can also call our customer support at 09711007799, email us at care@branchx.in or visit any branchX agent for assistance.

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