TERMS & CONDITIONS

By accessing or using AR QUICK PAY services, users agree to comply with all terms, conditions, policies, and applicable laws related to recharge, bill payment, wallet services, insurance payments, and financial transactions.

If you do not agree with any part of these terms, you should discontinue using our services immediately.

AR QUICK PAY provides multiple digital services including:

• Mobile Recharge
• DTH Recharge
• Electricity Bill Payment
• Credit Card Bill Payment
• LIC Premium Payment
• Insurance Premium Services
• Wallet & Digital Payment Services
• AEPS & Banking Services
• Money Transfer Services
• BBPS Utility Services

Users are responsible for:

• Providing accurate personal and transaction information
• Maintaining confidentiality of passwords, MPINs, and OTPs
• Using the platform only for lawful purposes
• Ensuring sufficient wallet or account balance before transactions
• Immediately reporting unauthorized account access

All transactions are processed electronically through secure payment gateways and third-party service providers.

Successful transaction processing depends on:

• Operator server availability
• Banking network response
• API service provider uptime
• Internet connectivity

AR QUICK PAY shall not be held responsible for delays caused by third-party systems.

Refund requests are processed according to operator, banking partner, and company policies.

Some successful transactions may not be eligible for refunds.

Refund timelines may vary depending on payment gateway and banking procedures.

AR QUICK PAY actively monitors transactions for suspicious and fraudulent activities.

Accounts involved in fraud, unauthorized transactions, fake payments, or misuse of services may be suspended or permanently blocked without prior notice.

AR QUICK PAY may use trusted third-party providers including:

• Payment Gateways
• Banking APIs
• Recharge Service Providers
• Insurance Partners
• SMS Notification Services

We are not responsible for service interruptions caused by third-party providers.

AR QUICK PAY shall not be liable for:

• Network failures or downtime
• Operator server issues
• Incorrect recharge details entered by users
• Banking or payment gateway failures
• Unauthorized access due to user negligence
• Delayed transaction confirmations

AR QUICK PAY reserves the right to update or modify these Terms & Conditions at any time without prior notice.

Users are advised to review this page periodically.