TERMS AND CONDITIONS — PAISARETURN

Effective Date: 03 May 2026
Last Updated: 14 August 2026

INTRODUCTION

Welcome to PaisaReturn ("Platform") — a cashback and rewards service operated by PaisaReturn ("We", "Us", "PaisaReturn", or "Our", which expression shall unless repugnant to the context thereof be deemed to include its respective legal heirs, representatives, administrators, permitted successors and assigns).

By accessing or using our website at www.paisareturn.com or the PaisaReturn mobile application (together, the "Platform"), you agree to be bound by these Terms and Conditions ("Agreement"). We may notify registered members of material changes via email, SMS, in-app notification, or by placing a pop-up on our Platform. Please review this Agreement periodically. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Agreement. If you do not agree to these Terms, please discontinue use of the Platform immediately.

MEMBERSHIP AND ELIGIBILITY

2.1 Age Requirement

You must be at least 18 (eighteen) years of age to register and use PaisaReturn. By accepting this Agreement, you represent and warrant that you are 18 years or older and have the right, authority, and capacity to use the Platform and agree to abide by this Agreement. Parents or legal guardians may access the Platform on behalf of minors solely for the purpose of procuring services.

2.2 Registration

You must register using accurate, complete, and current information including your name, email address, mobile number, and any other details requested. You are responsible for keeping this information up-to-date through your Account. By clicking "I agree with Terms and Policy" at the time of registration, you provide your express consent to the collection and processing of your information as required under the Information Technology Act, 2000 and applicable rules.

2.3 Prohibited Advertising

Members are strictly prohibited from running any paid advertisements on Google, Facebook, Instagram, or any other platform that directly or indirectly promote PaisaReturn without our prior written consent. Violation will result in immediate account termination without notice.

2.4 Bona Fide Personal Use

All purchases made through the Platform must be for bona fide personal use only. You shall not use PaisaReturn to purchase goods or services for commercial resale or to derive any unauthorized financial gain. We reserve the right to block or terminate any Account we reasonably believe is being misused, without prior notice.

OUR SERVICES

3.1 Cashback Service

PaisaReturn allows registered Members to earn cashback by making purchases through affiliate links to partner merchants ("Retailers") listed on our Platform. To qualify for cashback ("Qualifying Transaction"):

• The Member must be redirected to the Retailer via PaisaReturn
• The Retailer must confirm the transaction as genuine, tracked, and successful
• The product or service must be delivered and any return/refund period must have expired
• PaisaReturn must receive the corresponding commission from the Retailer

Earned cashback may be transferred to your bank account, UPI ID, or other supported payout method only after reaching the minimum withdrawal threshold set by us.

If a Retailer does not track a transaction using its affiliate tracking system, such sale may not be paid to PaisaReturn, and consequently cashback for that transaction will not be paid to the Member.

3.2 Rewards Program

Certain partner Retailers offer Rewards instead of cashback. Rewards cannot be transferred to a bank account but may be redeemed via gift cards, vouchers, or in-app wallet credits, subject to reaching the minimum threshold as displayed on the Platform.

3.3 Referral Program

Members earn a referral bonus when they invite new users who register and complete a Qualifying Transaction via PaisaReturn ("Qualifying Referral"). The referral bonus percentage is displayed on the Platform and is subject to change at any time. Referral earnings will only be credited once the referee's Qualifying Transaction is confirmed by the Retailer. We reserve the right to modify, suspend, or terminate the referral programme at any time without notice. We comply with applicable Indian laws regarding referral programmes and retain the right to modify any referral programme terms at any time.

CASHBACK, REWARDS AND REFERRAL FEES

4.1 Pending and Validated Status

After a Qualifying Transaction, cashback will first appear as "Pending" in your Account. It will be marked as "Validated" once the Retailer confirms the transaction — this process can take up to 90 (ninety) days or more from the date of purchase. If goods are returned or the sale is reversed or amended by any means, the cashback/reward payment will not be made.

Members must also inform PaisaReturn of any returns or exchanges for which they may have earned cashback/reward unduly.

4.2 Circumstances Where Cashback/Rewards Are NOT Payable

Cashback or Rewards will be forfeited and will not be payable in the following circumstances, including but not limited to:

1. The transaction was not routed through PaisaReturn's affiliate tracking link or the Member was not logged in at the time of purchase
2. The transaction was returned, cancelled, or reversed after it was entered into
3. The Member's Account has been suspended or is associated with fraudulent activity or any breach of this Agreement
4. The purchase was made while using a VPN (Virtual Private Network)
5. Pop-up blockers were active during the transaction
6. Multiple orders were placed in the same session in an abusive manner
7. The transaction was not completed within a single 30-minute browsing session
8. The Retailer, in its sole discretion, does not consider the purchase genuine and does not pay PaisaReturn

4.3 Advertised Rates

Cashback rates displayed on the Platform are indicative and may change without notice. Actual cashback credited will be based on the commission received from the Retailer, which may differ from the advertised rate. PaisaReturn shall not be liable for any difference between the expected and actual cashback received.

Whether a transaction shall qualify as a Qualifying Transaction shall be at the sole discretion of the Retailer or Us, and the Member understands and agrees to the same.

4.4 Missing Cashback Claims

If you believe cashback was not credited, you may raise a support ticket within 30 (thirty) days from the date of the transaction. No claim will be entertained after this period. Our system will verify exit clicks from our Platform for that store on the date mentioned. If no exit click is traceable, the claim will not be eligible. We will endeavour to recover missing commissions from Retailers, but reserve the right to close claims where the Retailer does not pay, particularly where no valid purchase is recorded. If a Retailer has not paid a manual commission claim after 6 (six) months, we reserve the right to close the enquiry.

4.5 Balance Adjustments and Recovery

We reserve the right to reclaim or adjust cashback/reward balances where credits were applied in error, transactions are fraudulent, or payments have not been received from the Retailer. This applies even to validated or already paid-out balances. PaisaReturn may initiate legal proceedings to recover improperly earned cashback.

4.6 Incorrect Payout Details

It is the Member's sole responsibility to provide correct bank account, UPI ID, or payment gateway details when initiating a withdrawal. If a Member provides incorrect details and we process the payout, PaisaReturn shall not bear any liability for the resulting loss. Such negligence shall be treated as the Member's error.

YOUR ACCOUNT

5.1 Contact Details

You must ensure that the email address and mobile number held on your Account are kept up-to-date and that you have full access to them. PaisaReturn will send important updates via email, SMS, app notifications, and WhatsApp. If you change your email or mobile number, you must update your Account accordingly.

5.2 Password Security

You are solely responsible for maintaining the confidentiality of your password. PaisaReturn will never ask for your password via email, telephone, or any means other than the Platform itself.

5.3 Minimum Threshold

You may withdraw validated cashback/rewards only after reaching the minimum withdrawal of ₹15, as displayed on the Platform.

5.4 Account Closure

If you close your Account with a validated balance below the minimum threshold, the entire remaining balance will be forfeited. Balances at or above the minimum threshold may be withdrawn prior to closure via any available Cashback Receipt Method.

5.5 Inactivity Expiry

PaisaReturn earnings (cashback, rewards, referral bonuses, and special bonuses) will expire if you do not log into your Account for a continuous period of 2 (two) years. To prevent expiry, log in at least once every 2 years. Upon expiry, the amount will be listed under "Expired Cashbacks" as a single entry and will not be withdrawable.

5.6 Payout Methods

We currently support payouts via UPI and bank transfer (IMPS/NEFT), processed through Razorpay. We may support additional payout methods or payment gateways from time to time. We reserve the right to add, modify, discontinue, or temporarily suspend any payout method at our sole discretion.

INTELLECTUAL PROPERTY

All content, trademarks, logos, brand names, graphics, software, code, and materials on the Platform are owned by or licensed to PaisaReturn. You acknowledge that all copyright, trademarks, and other intellectual property rights in and relating to the Platform are owned by or licensed to us. You may not copy, reproduce, distribute, display publicly, or create derivative works from any part of the Platform without our prior written consent. Unauthorized use is illegal and will be subject to legal action under applicable Indian law.

By uploading or including any material on the Platform, you expressly grant PaisaReturn a non-exclusive license (including the right to grant sub-licenses) to use, reproduce, and distribute that material through our services.

MISUSE AND PROHIBITED ACTIVITIES

We reserve the right to suspend or permanently terminate any Member's Account if, in our reasonable judgment, the Member:

• Provides false, misleading, or fraudulent information
• Uses another person's personal information or payment details
• Creates fake accounts, fake referral links, or manipulates the referral system
• Exploits Retailer offers in a deceptive or unauthorized manner
• Posts defamatory, offensive, obscene, or illegal content
• Attempts to disrupt, hack, or interfere with Platform systems or introduces malware, viruses, or Trojan horses
• Advertises goods or services on the Platform without authorization
• Violates any applicable law or regulation including consumer protection, IT, copyright, trademark, or privacy laws

In cases of misuse, all pending and validated cashback/rewards may be forfeited without notice. PaisaReturn reserves the right to blacklist email addresses and IP addresses associated with fraudulent activity and to report suspected unlawful activity to law enforcement authorities, regulators, or other third parties. We may disclose account information, IP addresses, usage history, and email addresses to such parties as required.

We are entitled but not obliged to withdraw any material that appears to breach this Agreement.

OUR ROLE AND RETAILER TRANSACTIONS

PaisaReturn is an affiliate intermediary platform. We are not a party to any transaction between the Member and the Retailer, and are not the seller or supplier of any goods or services offered by Retailers. We do not control the quality, safety, availability, pricing, or legality of goods or services offered by Retailers. Members transact directly with Retailers and must exercise their own due diligence.

To the maximum extent permitted by applicable law, PaisaReturn and its agents and employees are released from all liability arising out of or in connection with any transactions with Retailers, including claims relating to uncompleted or completed transactions, or goods and services offered or supplied.

THIRD PARTY CONTACTS

If any third party contacts PaisaReturn in relation to material or transactions associated with your Account, you agree to:

1. Provide all reasonable information and assistance required by us in connection with responding to that contact
2. Respond promptly and accurately if we forward the communication to you

ADDITIONAL SERVICES

We or our partners may offer new or additional services from time to time. Your use of those services may be subject to additional terms and conditions. Failure to comply with a material provision of such additional terms will constitute a breach of this Agreement.

OPERATION OF SERVICES

We reserve the right to withdraw, modify, or suspend aspects of our services, or the entirety of them, where we have legal, security, technical, or commercial reasons to do so. We will endeavour to give you 30 (thirty) days' advance notice before taking such action, except where earlier action is required for security reasons or due to technical difficulties. There may be times when the Platform becomes inaccessible due to technical difficulties; we will use reasonable skill and care to overcome these where within our control. We cannot guarantee continuous access to the Platform or its content.

DISCLAIMER AND LIMITATION OF LIABILITY

12.1 Disclaimer

The Platform and its content are provided on an "as-is", "as available", and "with all faults" basis. All warranties, express or implied, including implied warranties of merchantability, non-infringement, freedom from error, and fitness for a particular purpose, are hereby disclaimed.

12.2 Limitation of Liability

To the maximum extent permitted by law, PaisaReturn's aggregate liability for any claim arising out of or in connection with your use of the Platform shall not exceed ₹500 (Rupees Five Hundred Only). This amount shall be in lieu of all other remedies. PaisaReturn shall not be liable for:

1. Any loss of revenue, business, anticipated savings, or profits
2. Any errors or omissions in the Platform or services
3. Unavailability or interruption of the Platform
4. Your use of the Platform or content on it
5. Any indirect, special, incidental, or consequential damages
6. Any delay or failure in performance beyond our reasonable control

12.3 Survival

The provisions of this Clause 12 shall survive the termination or expiry of this Agreement.

THIRD PARTY CONTENT

Third-party content or links may appear on the Platform. PaisaReturn is not responsible for and assumes no liability for any mistakes, defamation, omissions, falsehood, obscenity, or inaccuracies in content accessible via third-party links from our Platform.

PAYMENT GATEWAY COMPLIANCE

PaisaReturn integrates Razorpay as its payment gateway provider for processing payouts to Members. All payout transactions are subject to Razorpay's terms, conditions, and policies. PaisaReturn is not responsible for delays, failures, or errors caused by the payment gateway provider.

COMMUNICATIONS

By registering on PaisaReturn, you expressly consent to receive communications via SMS, email, WhatsApp, push notifications, and calls (automated or agent-led) from PaisaReturn, its affiliates, and partners, regarding service updates, cashback confirmations, marketing offers, and promotions. You expressly waive any preference registered under the DND/NCPR list under TRAI regulations for such communications. You may opt out of marketing communications at any time by clicking the "Unsubscribe" link in our emails or by contacting support@paisareturn.com.

PRIVACY POLICY

Our Privacy Policy forms an integral part of this Agreement. By using the Platform, you consent to our collection, use, and processing of your personal data as described in the Privacy Policy available at www.paisareturn.com/privacy-policy. This Agreement constitutes an electronic record under the Information Technology Act, 2000.

INDEMNITY

You agree to indemnify, defend, and hold harmless PaisaReturn, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

1. Any breach of this Agreement by you or through your Account
2. Any transaction with a Retailer
3. Any content you post or submit through the Platform

ASSIGNMENT

PaisaReturn may assign or transfer this Agreement or its rights and obligations without your consent, provided such assignment does not reduce any guarantees provided to you under this Agreement. You may not assign your rights under this Agreement without PaisaReturn's prior written consent.

CHANGES TO THIS AGREEMENT

We reserve the right to modify this Agreement at any time. Updated terms will be posted on the Platform. For material changes that adversely affect you, the new terms will take effect no less than 3 (three) days after posting. For non-material changes, they take effect immediately upon posting. If you do not wish to be governed by the revised Agreement, you must notify us before the effective date and cease using the Platform.

SEVERABILITY AND WAIVER

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. PaisaReturn and you are independent contractors; no agency, partnership, joint venture, or employer-employee relationship is intended. Our failure to enforce any provision shall not constitute a waiver of that right with respect to subsequent or similar breaches.

ENTIRE AGREEMENT

This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and PaisaReturn with respect to the use of the Platform and supersedes all prior agreements and understandings, except in the case of fraud or fraudulent representation by either party.

GOVERNING LAW AND JURISDICTION

This Agreement is governed by the laws of India. Any disputes arising in connection with this Agreement shall be subject to the jurisdiction of courts in Vizianagaram, India.

GRIEVANCE OFFICER

In compliance with the Information Technology Act, 2000, the Consumer Protection (E-Commerce) Rules, 2020, and applicable rules thereunder, the details of our Grievance Officer are as follows:

Any aggrieved User may submit a written complaint to the Grievance Officer, who shall acknowledge and resolve the complaint within 1 (one) month of receipt. Providing false or misleading information to the Grievance Officer may result in civil and/or criminal liability.

CONTACT US

For any questions or support:

END OF TERMS AND CONDITIONS