Welcome to Shadval Pocket. By accessing or using the Shadval Pocket mobile application, website, or services (“Services”), you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our Services.

1. Definitions

  • “App” refers to the Shadval Pocket mobile application.
  • “User” refers to any individual using the App or Services.
  • “We / Us / Our” refers to Shadval Pocket.
  • “Services” include money transfer, bill payments, and related financial services.

2. Eligibility

  • Users must provide accurate and complete information during registration.
  • Use of the app is subject to successful KYC verification as required by law.

3. Account Registration

  • Each user is responsible for maintaining the confidentiality of account credentials.
  • You agree not to share your OTP, PIN, or login details with anyone.
  • Shadval Pocket is not responsible for unauthorized access caused by user negligence.

4. Services Offered

Shadval Pocket provides the following services:

  • Domestic money transfer
  • Utility and bill payments
  • Other digital payment services as permitted by law

Services may be modified, suspended, or discontinued at any time without prior notice.

5. Transactions

  • All transactions are subject to verification and approval.
  • Transaction success depends on third-party providers such as banks and payment networks.
  • Shadval Pocket is not responsible for delays or failures caused by banks, network issues, or regulatory restrictions.

6. Fees & Charges

  • Certain services may involve service charges.
  • All applicable charges will be displayed before transaction confirmation.
  • Charges are non-refundable unless stated otherwise.

7. Refunds & Disputes

  • Refunds are processed as per applicable partner and regulatory policies.
  • Users must raise disputes within a reasonable time via official support channels.
  • Shadval Pocket’s decision in dispute resolution shall be final, subject to applicable legal rights.

8. User Responsibilities

Users agree to:

  • Use the app only for lawful purposes
  • Not engage in fraudulent, abusive, or illegal activities
  • Comply with all applicable laws and regulations

Violation of these terms may result in suspension or termination of the user account.

9. Limitation of Liability

Shadval Pocket shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss due to unauthorized access caused by user negligence
  • Issues arising from third-party service providers

10. Intellectual Property

All content, logos, trademarks, and materials available in the app are the property of Shadval Pocket and may not be copied, reproduced, or used without prior written permission.

11. Suspension & Termination

We reserve the right to suspend or terminate user access:

  • For violation of these Terms & Conditions
  • For suspicious or fraudulent activity
  • To comply with legal or regulatory requirements

12. Privacy

User data is handled in accordance with our Privacy Policy, which forms an integral part of these Terms & Conditions.

13. Amendments

Shadval Pocket may update these Terms & Conditions at any time. Continued use of the Services indicates acceptance of the updated terms.

14. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India.

15. Contact Information

For any questions or concerns regarding these Terms & Conditions, please contact:

📧 Email: Info@shadvalpocket.co.in
📞 Phone: +91 9615001010