Find your wish not be responsible in any manner whatsoever for any delay in domestic money remittance services due to reasons attributable to the Bank/NPCI/RBI or any statutory/Governmental authority.
User hereby agrees to be bound by all the terms and conditions as applicable on Find Your wish, in its Agreement with the Bank for domestic money remittance services.
User shall ensure that the amount, with which user uploads his wallet with Find your wish, is not obtained from proceeds of any crime.
The user shall access the site only for lawful and specific purpose(s) for which he/she has opted for and user shall be responsible for complying with all applicable laws, statues and regulations in connection with the use of this web site. The user shall not try or not make any illegitimate transaction or use of the website/ portal/ application of ‘Find your wish’. The user shall not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, products or services obtained from this website. User shall not create a hypertext link to the website or “frame” the website.
The information provided by the user in the registration page must be complete and accurate. Find your wish reserves the right at all times to disclose any information as Find your wish deems fit & necessary to comply with any applicable law, regulation, legal process, or central/state governmental request. It shall be the responsibility of user to submit true and complete information of him/herself to avoid any legal consequences that may arrive due to false representation.
User may only use this service to make legitimate transaction/payments. Without limitation, any speculative false or fraudulent transaction is prohibited. The services provided by the website are opted by the user for his/her convenience.
The user confirms to us that user is 18 years of age or above and has the legal capacity to enter into this agreement with us and that all information provided by the user in respect of use of the service is true and accurate to the best of user’s knowledge and belief. If user receives a user identification name or password from ‘find your wish’ to access ‘find your wish’s platform/application or use services offered by ‘find your wish’, The user shall: (i) keep the user identification name, unique Code, if any and password confidential; (ii) not allow any other entity or person to use the user identification name or password or gain access to ‘find your wish's database; (iii) be liable for all action taken by any user of the user identification name or password; and (iv) promptly notify ‘find your wish’ if user believes the user identification name or password have been used inappropriately or the confidentiality of the information made available through their use has been compromised in any manner whatsoever. Find your wish shall not be responsible for loss of any debit card or user id/password or any bank details or any inconvenience or mental agony resulting from use or misuse of user ID/password/debit card/bank details for performing transaction from our website/portal/application.
If user has tried to perform a transaction and due to any technical error at our website/portal/application or due to slow down of bank’s server, the transaction has not been completed in the desired form of user. Then the user shall immediately talk to our customer representative or to the transacting bank for the status of the same before accessing another attempt to repeat the transaction or making any other transaction. Find your wish or any authorised representative of the company shall make improvement at their level to rectify the transaction at user’s consent. It is the responsibility of the user that He/she should always have the payment confirmation.
I. - The Bharat Bill Payment System (BBPS) will function as a tiered structure for operating the bill payment system in the country with a single brand image providing convenience of ‘anytime anywhere’ bill payment to customers.
II. The centralised bill payments infrastructure will consist of two types of entities carrying out distinct functions – (i) Entity operating the Bharat Bill Payment System (BBPS) (henceforth called as the BBPS ) which will be the standard setting body, which, inter-alia, will cover standards related to payment, clearing and settlement process and (ii) Bharat Bill Payment Operating Units (BBPOUs), which will be the authorised operational units, working in adherence to the standards set by the BBPS. The tiered structure could be further strengthened through an effective establishment of agent network/s by the BBPOUs.
III. The participants in the BBPS will include authorised entities, such as, the entity operating the BBPS itself, the BBPOUs as well as their agents, payment gateways, banks, billers and service providers, and other entities as required under the BBPS
IV. The objective of the BBPS is also to provide an accessible bill payments system to the large segments of un-banked / under-banked population. All forms of payments will necessarily be a part of the bill payments system.
V. The operational arrangements for setting up of settlement accounts in designated settlement bank, time discipline for settlement, etc. will be established by the BBPS and become a part of the bill payment system standards.
VI. There would be many payment modes used by the end-consumers to make the bill payments, each of which would have its own realisation cycle depending upon the nature of the payment mode. Hence, the BBPS will also set standards on time discipline for realisation and collection of payments in each leg i.e., from the agent to the BBPOU, from the BBPOU to the biller in the case of ON-US settlement and further from BBPOU to BBPS and thereafter to the biller (through the concerned BBPOU) in the case of OFF-US settlement.
VII. The settlement standards established by the BBPS, with the approval of RBI, have to be adhered to by all the participants.
VIII. Roles and responsibilities:
BBPS will be responsible for setting standards (i) Business standards, rules and processes for on-boarding the BBPOUs authorized under the PSS Act; (ii) Processes and procedures for various business/technical/operational requirements both at the BBPS and the BBPOUs, including setting up of agent network, (iii) Information exchange standards, including security standards; and (iv) risk mitigation. BBPS would be responsible for marketing and brand positioning of the pan India Bharat Bill Payments System, the oversight and certification for conduct of operations of the BBPOUs
BBPS will be responsible for setting standards in relation to payment, clearing and settlement of the transactions carried out at various BBPOUs and their agents - both ON-US and OFF-US transactions.
BBPS will put in place a dispute resolution mechanism to handle disputes arising between system participants.
On-boarding of billers and aggregators as per standards / rules, appointment of agents; carrying out due diligence (as per processes and rules set out for appointment of sub-agents); and ensure confidentiality and privacy standards are in place. 9 Draft Guidelines for BBPS. Infrastructure development - Application development, including APIs where required, by respective BBPOUs – in adherence to standards set by the BBPS. Transaction handling - Safety and security of transactions, verification of biller information, and adherence to transaction flow standards / rules set by the BBPS.
Handling customer grievances and disputes as per set procedures and standards for billers / agents / end-customers. Value-added services – provide MIS and Reporting and other services to the billers / aggregators / agents.
It will be the responsibility of customer to furnish correct information for the payment. There will be no responsibility of find your wish if due to furnishing wrong/part/incorrect/partial correct information, the payment has been remitted to any other person (Third party).
BBPS work as integrated system for all the utility bill payments including electricity, water, school fee etc. details of such should be furnished by the end user. In case of any charges/penalty levied on the transaction then Find your wish shall not be responsible. The user shall be liable for the payment of those penalty/fee.
The User shall ensure availability of funds in his Account towards the fulfilment of the Payment Order before/at the time of the execution of the Payment Order by Find Your wish. The User hereby authorizes Find Your wish to debit the Account of the User for any liability incurred by Find Your wish on behalf of the User for execution of the BBPS instruction issued by the User.
User shall be bound by the guidelines and rules made time to time by BBPS authority/BBPOUs/Banks/RBI in this regard.
The best way to take payments from your customers. A customer needs his Aadhaar number and his presence at the counter. The Micro-ATM comes with a biometric scanner which enables the authentication. If a customer wants to make payment, then he/she just needs to enter his/her Aadhaar Number in the Micro ATM, scan his/her finger on biometric scanner attached to MicroATM and select the bank from which the payment is to be made. Upon entering the Aadhar Number, the system would automatically fetch the bank account linked with the customer’s Aadhaar number and debit the bank account just like debit card or Bharat QR code.
A receipt is printed for each transaction. Just like debit card receipt, Aadhaar number is masked on the receipt with only few digits shown in receipt with balance masked by printing a * for masked digits. Currently the government is incentivizing this category.
The User shall be entitled, subject to other terms and conditions of the service, to issue Payment Orders for execution by Find your wish.
The Payment Order shall be issued by the User, in the form as prescribed by relevant government authorities/Banks/RBI/NPCI, which is complete in all particulars. The User shall be responsible for the accuracy of the particulars given in the Payment Order for AADHAAR PAY Facility and shall be liable to compensate Find your wish for any loss arising on account of any error in the Payment Order.
The User shall be bound by any Payment Order executed by Find Your wish if Find your wish has executed the Payment Order in good faith and in compliance with the instructions given by the User.
The User shall ensure availability of funds in his Account towards the fulfilment of the Payment Order before/at the time of the execution of the Payment Order by Find Your wish. The User hereby authorizes Find Your wish to debit the Account of the User for any liability incurred by Find Your wish on behalf of the User for execution of the AADHAAR PAY instruction issued by the User.
The User agrees that the Payment Order shall become irrevocable when it is executed by Find Your wish.
The User agrees that he shall not be entitled to make any claim against RBI and/or NPCI in respect to the AADHAAR PAY Facility.
The User agrees that in the event of any delay in the completion of the banking transaction or any loss on account of error in the execution of the transaction pursuant to a Payment Order or on account of error or technical problem on the part of bank/portal/application/NPCI, Find your wish shall not be liable for any delay in processing of the transaction.
The User shall provide correct Aadhaar and select correct banking details to Find Your wish at the time of availing the AADHAAR PAY Facility. The User shall be solely responsible for entering wrong beneficiary details like incorrect Aadhaar number and/or Beneficiary bank etc, due to which the fund are transferred to an incorrect beneficiary.
Find your wish for providing the AADHAAR PAY Facility to the User shall follow the process and guidelines prescribed by relevant authorities time to time in this regard.
A Find Your wish Money Transfer’ customer (the "Sender") may send a Money Transfer to a designated receiver (the "Receiver") to the Nepal through our service partner i.e. Prabhu Group Inc. who offers its services over the Internet (the "Service") using INTERAC Online or any other electronic payment method ("Payment Method"). Money Transfers will normally be paid to the Receiver in cash or bank deposit. Money Transfers are available for pick up by the Receiver promptly after validation of Sender information which may take up to 24 hours, on a "Will Call" basis, at Find Your wish agent locations in the destination country. Certain money transfer services, transfers that exceed certain principal amounts, and/or transfers to the destination may take longer or be subject to additional restrictions. In order to collect the money in the destination country, the receivers will have to provide their valid govt. Issued id and pin no. Provided by the Find Your wish (pin no. Can be found in the receipt). This does not apply to bank deposits where the account is verified by the account number and the account name. Find Your wish through its service provider Prabhu Group Inc. reserves the right to limit the principal amount of a Money Transfer, or to decline to accept or pay any Money Transfer that it or its agents determine in their sole discretion violates any applicable law or Find Your wish policy. Please contact Find Your wish at the Customer Service telephone number listed below or with the helpline provided over website for current information regarding the conditions applicable to the service you have selected or your expected payment location. When required by applicable law, Money Transfers sent to or from Nepal will be reported to federal, provincial, local and/or foreign authorities. You will be required to provide Find Your wish with certain information to allow us, among other things: to verify your identity; to receive appropriate Payment Method authorization; and/or to complete the transaction. Please refer to Find your wish's Online Privacy Statement for information concerning Find Your wish use of this and other personal information. By clicking on "I Agree" during registration in our website, it will be deemed that you have read and understood the Terms and Conditions and that you agree to accept and abide by the Terms and Conditions of this user agreement.
Transfer Fees. In consideration for the use of the Service, you agree to pay to Find Your wish a fee for each Money Transfer initiated by you at the applicable rate then in effect (the "Transfer Fee"). The applicable Transfer Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services. Kindly note that any other regulatory taxes and charges are extra and above of the transfer fee.
Payment. Transfer fees and the principal amount are due and payable before Find Your wish processes the transaction. You must pay for the Service with your Payment Method. If Find Your wish does not receive authorization from the Payment Method issuer, the transaction will be not be processed and funds will not be transmitted to the Receiver. Find Your wish assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that Find Your wish is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a "cash advance" fee.)
If the payment fails, we may re-try debiting your account one or more times. Customers are solely responsible for making sure that their account have sufficient fund at the time of the transaction. You represent and warrant that you are the lawful owner of your FORM OF PAYMENT/PAYMENT METHOD.
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the Money Transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by Find your wish (“website link”). Refunds will be made within 45 days of receipt of a valid written request from the Sender. REFUNDS OF FEES will be made upon written request of the Sender if the Money Transfer is not available to the Receiver within the time specified by Find Your Wish for the selected service, subject to the business hours of the location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.
TELEPHONE NOTIFICATION to the Receiver that the Money Transfer is available for pick up is offered in Nepal. MESSENGER DELIVERY of a Money Transfer cheque is available to selected international destinations. SUPPLEMENTAL MESSAGES may be included with domestic and most international Money Transfers.
If a Money Transfer is not picked up by the Receiver or is not cancelled by the Sender prior to pick up within one (1) year of the date it was sent, there will be a non-refundable administration charge where permitted by law. The administration charge will be deducted from the principal amount of the Money Transfer. The administration charge is fifty (50) cents per month from the date the Money Transfer was sent, but not more than forty-two (42) dollars.
In case of errors or questions about your transactions, you may contact Find Your wish using the contact details provided in the contact section.
IN NO EVENT SHALL FIND YOUR WISH BE LIABLE FOR DAMAGES FOR DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM OF the principal amount of the Money Transfer. IN NO EVENT WILL FIND YOUR WISH BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY. FIND YOUR WISH AND ITS AGENTS RESERVE THE RIGHT TO DECLINE TO SEND OR REFUSE TO PAY ANY MONEY TRANSFER THAT EITHER OF THEMDETERMINES IN THEIR SOLE DISCRETION VIOLATES ANY APPLICABLE LAW OR FIND YOUR WISH OR ITS SERVICE PARTNERS’ POLICY.
1- The main aspect of this policy is the Customer Due Diligence Process which means:
2. The Customer due Diligence Process includes: