AISKY

Privacy Policy

Effective date: 1 October 2026

Scope

AISKY INDIA PRIVATE LIMITED operates aisky.in and the related partner services covered by this notice. This policy explains information processing for website visitors, prospective partners, applicants, registered partners and individuals whose information is provided for requested services.

Information We Collect

We collect enquiry and account details such as name, mobile number, email, business details and requested services. Depending on the application, we collect identity and business records, addresses, PAN, GST or incorporation details, authorized contact and signatory details, director or partner information, bank details and supporting documents. We also process transaction references, amounts, status, support communications and relevant technical records such as IP address, device/browser information and authentication activity. Location information is processed where requested by a service or login flow.

Why We Use Information

We use information to respond to enquiries, review registration and KYC applications, administer accounts, provide requested services, support transactions and reconciliation, investigate complaints, prevent misuse and meet applicable obligations. Applicants providing another person's information must have the appropriate authority and ensure that person is informed. Marketing preferences should be handled separately from essential service communications.

OTP, Cookies and Security

Email and SMS verification codes are used for the verification or authentication flows that request them. Successful OTP verification does not by itself establish KYC approval. Session cookies support sign-in and security; device verification cookies may remember a verified device for a limited period. Blocking essential cookies may prevent these features from working. We use security measures appropriate to the relevant processing, including access controls, password hashing and document scanning in the registration upload flow. No internet service can guarantee complete security.

Sharing and Service Providers

Information may be shared with the banks, billers, operators, verification providers and other processing partners needed for a requested service, and with hosting, communication and support providers used to operate the platform. Access is limited according to operational needs. Information may also be disclosed where required by applicable law or a lawful request. This notice does not imply that AISky holds a particular banking licence, certification or direct appointment.

Retention

We retain information according to its purpose and applicable contractual, accounting, dispute-resolution and legal requirements. Closing an account or withdrawing consent does not necessarily require immediate deletion of records that must be retained. Information should be deleted or anonymised when its retention is no longer needed, subject to applicable requirements.

Your Requests and Choices

You may contact us to request access to or correction of your information, account closure, withdrawal of consent or deletion where applicable. We may verify your identity before acting. Some requests may affect service availability, and certain records may need to be retained. Do not submit unnecessary sensitive documents through general enquiry or support channels.

Updates

We may update this notice when our processing or services change. The published version and effective date identify the current notice. Material changes will be communicated as appropriate. This notice does not waive rights available under applicable law.

Refund & Cancellation Policy

Effective date: 1 October 2026

Scope and Different Types of Credit

This policy covers cancellation requests, failed-service reversals, duplicate or incorrect debits and eligible balance-refund requests. A partner ledger credit, a service reversal and a refund to a bank/payment source are different events. The applicable treatment depends on the transaction, funding method and service arrangement.

Failed or Pending Transactions

A pending response is not a confirmed failure. Report the transaction reference to support and check the final status before repeating the payment. Confirmed failed transactions with a debit will be reconciled for reversal or refund according to the applicable payment-system rules and provider process. Mandatory reversal timelines and compensation rights, where applicable, take precedence over a general platform statement.

Successful Transactions and Cancellation

Successfully completed recharge or payment instructions may not be cancellable through AISky. Any available cancellation or recovery depends on the relevant operator, biller, bank or service provider and applicable rights. Check the amount, recipient, consumer number and service details before authorising a transaction. Contact support promptly about an error; recovery cannot be guaranteed.

Duplicate or Incorrect Debits

Report suspected duplicate debits or an incorrect charge with the relevant references and evidence. We will investigate the platform and provider records. A refund or adjustment will depend on the verified result; a repeated request alone does not establish a duplicate debit.

Funding and Unused Partner Balance

A successful fund load does not mean a downstream service has been completed. Requests concerning unused partner balance or account closure are reviewed against verified ownership, available balance, pending transactions, dues and applicable service terms. Contact support for the applicable eligibility, destination, charges and processing estimate before requesting closure. Applicable statutory rights remain unaffected.

Refund Destination and Timing

The refund destination will be determined by the transaction type, original funding source, verified ownership and applicable payment rules. Approved refunds, bank credits and partner-ledger reversals may have different processing times. We will communicate the applicable process and available reference. No blanket 45-working-day refund period applies to all services. Refunds must not be directed to an unrelated person's account.

Reporting a Problem

Report an issue as soon as you identify it. Include the transaction date, amount, AISky transaction ID, available bank/biller reference and a description of the problem. Do not wait solely because a transaction is pending. Unauthorized activity should also be reported promptly to the relevant bank or payment provider. A general platform reporting period does not override applicable rights.

Complaint Follow-up

Keep your complaint reference and correspondence. If the response does not resolve the issue, reply with that reference and request escalation through support. Provider investigations may require additional information; applicable payment-system timelines and rights continue to apply.

Terms & Conditions

Effective date: 1 October 2026

Company and Scope

These terms govern use of the AISky website and partner platform operated by AISKY INDIA PRIVATE LIMITED. Service-specific terms and any applicable signed partner agreement should be read with these terms and the Privacy and Refund policies. Applicable mandatory legal rights remain unaffected.

Eligibility and Authority

Users entering a partner agreement must be able to enter a binding contract and act with appropriate authority for the applicant business. Provide accurate information and keep contact, business and KYC details current. Do not impersonate another person, submit misleading documents or use the platform for unlawful purposes.

Enquiry, Registration and Activation

A client enquiry is a request for information and does not create a partner account. A registration submission is an application subject to review. An account is created after the relevant admin process, and individual services may require additional approval, documentation or activation. Submitting documents or receiving an application number does not guarantee approval.

Account and Credential Security

Keep your password, transaction PIN, API credentials and verification codes confidential. Use only accounts and permissions assigned to you, and report suspected compromise promptly. Device verification may be required according to account settings. A remembered verified device does not replace your responsibility to protect credentials or authorise transactions.

Services, Fees and Availability

Only services enabled for your account may be used. Confirm applicable fees, taxes, transaction limits and commercial terms before using a service. Availability and transaction completion may depend on banks, operators, billers and processing partners. A request acceptance or timeout does not by itself prove that a transaction succeeded or failed.

API Partner Responsibilities

API users must follow the documentation and service terms provided for their integration, protect credentials, obtain appropriate authority for end-customer instructions and use accurate transaction details. Handle retries and final-status checks as documented to reduce duplicate submissions. Where callbacks are supported, process them according to the integration guidance. Do not claim unsupported functionality or share access without authorisation.

Transactions and Complaints

Check transaction details before submission and retain receipts and references. Raise failed, pending, duplicate, unauthorized or disputed transactions through support. Refund and cancellation requests are handled under the Refund & Cancellation Policy and applicable service/payment rules.

Restrictions, Suspension and Closure

Access may be restricted where necessary for security, suspected misuse, inaccurate information, applicable obligations or a breach of service terms. Contact support to understand the reason and available review process. Account closure and any balance treatment are subject to reconciliation of pending transactions, verified dues and applicable rights; suspension does not automatically forfeit legitimate funds.

Provider Role and Legal Rights

Services may be facilitated through third-party arrangements. These terms do not represent AISky as a bank, an authorised PPI issuer or a certified entity unless separately established by a valid arrangement. Responsibility for an issue depends on the relevant facts, service agreement and applicable law; third-party involvement does not remove mandatory obligations.

Governing Law and Changes

These terms are governed by Indian law, subject to applicable statutory remedies and competent forums. Changes will be published with a revised effective date and communicated as appropriate. Changes do not remove rights that cannot lawfully be waived.