Read all official policies of SS ENTERPRISES (RKC Saral): Terms of Sign-Up, Commission, Payment & Refunds, and Wallet Terms.

Terms & Conditions for Sign-Up

Terms and Conditions for RKC Saral Sign-Up
Welcome to RKC Saral, a trusted digital payment platform operated by SS ENTERPRISES, a company registered under the Companies Act, 2013, in India ("we," "us," "our," or "RKC Saral"). By accessing, registering, or signing up for an account on our website (https://rkcsaral.com) or mobile application (collectively, the "Platform"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"), our Privacy Policy, and any additional policies or guidelines published on the Platform (collectively, the "Agreement"). These Terms form a legally binding contract between you and SS ENTERPRISES. If you do not agree with any part of these Terms, you must not sign up for or use the Platform.
RKC Saral is committed to providing secure, fast, and accessible digital financial services, including mobile and DTH recharges, utility bill payments, Aadhaar Enabled Payment System (AEPS) services, Bharat Bill Payment System (BBPS) services, LIC premium and loan repayments, and domestic money transfers. These Terms govern your access to and use of these services, whether as an individual customer, retailer, distributor, or master distributor.
1. General Provisions
1.1 Eligibility for Sign-Up
To create an account and use RKC Saral services, you must meet the following eligibility criteria:
• Be at least 18 years of age or have the legal capacity to enter into contracts under Indian law.
• Be a resident of India or a business entity duly registered under applicable Indian laws, such as the Companies Act, 2013, or the Partnership Act, 1932.
• Provide accurate, complete, and up-to-date information during the sign-up process, including but not limited to your full name, contact details (email address and phone number), and, where applicable, Aadhaar number, PAN card, or other identification documents required for Know-Your-Customer (KYC) verification.
• Comply with all applicable laws, including regulations issued by the Reserve Bank of India (RBI), the Payment and Settlement Systems Act, 2007, and anti-money laundering (AML) laws under the Prevention of Money Laundering Act, 2002.
1.2 Acceptance of Terms
By completing the sign-up process, accessing, or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms, the Privacy Policy, and any amendments or updates made from time to time. These Terms constitute an electronic record under the Information Technology Act, 2000, and relevant rules, and do not require any physical, digital, or electronic signature.
1.3 Modifications to Terms
RKC Saral reserves the right to modify, amend, or update these Terms at any time to reflect changes in our services, regulatory requirements, or business practices. Any changes will be effective immediately upon posting on the Platform, and we may notify you via email, in-app notifications, or other communication channels. Your continued use of the Platform after such changes constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must discontinue using the Platform and contact us to terminate your account.
1.4 Scope of Services
RKC Saral offers a comprehensive suite of digital financial services designed to simplify transactions for individuals and businesses. These include:
• Mobile and DTH Recharges: Instant recharges for all major mobile operators and Direct-to-Home (DTH) service providers across India.
• Utility Bill Payments: Payment of electricity, water, gas, broadband, and other utility bills through the Bharat Bill Payment System (BBPS).
• AEPS Services: Cash withdrawals, balance inquiries, and money transfers using Aadhaar-based biometric authentication.
• LIC Premium and Loan Repayments: Payment of Life Insurance Corporation (LIC) policy premiums and loan installments.
• Money Transfers: Secure and instant domestic money transfers to bank accounts across India.
• Business Panels: Retailer, distributor, and master distributor accounts that enable commission-based earnings through transaction facilitation.
2. Sign-Up Process
2.1 Account Creation
To access RKC Saral services, you must create an account by:
• Visiting https://rkcsaral.com or downloading the RKC Saral mobile application from authorized app stores.
• Providing accurate personal or business information, including but not limited to your full name, email address, mobile number, and, for business accounts, details such as business name, registration number, and address.
• Completing KYC verification as required for certain services (e.g., AEPS, money transfers) by submitting valid identification documents, such as Aadhaar, PAN card, or proof of address.
• Agreeing to these Terms by checking the acceptance box or clicking the relevant button during the sign-up process.
2.2 KYC Compliance
Certain services, such as AEPS and money transfers, require KYC verification in accordance with RBI guidelines. You agree to:
• Provide truthful and accurate information, including Aadhaar details and biometric authentication (e.g., fingerprint scans) where required.
• Maintain updated KYC information and promptly notify us of any changes.
• Comply with additional verification requests if mandated by regulatory authorities.
Failure to complete KYC verification may restrict access to certain services or lead to account suspension.
2.3 Account Types
RKC Saral offers the following account types:
• Individual Accounts: Designed for personal use, enabling access to recharges, bill payments, and money transfers.
• Retailer Accounts: For shopkeepers or small businesses offering RKC Saral services to customers and earning commissions.
• Distributor and Master Distributor Accounts: For larger business entities managing multiple retailers, with higher commission structures and advanced features.
Each account type has specific requirements and benefits, which will be communicated during sign-up or through the Platform.
2.4 Account Security
You are solely responsible for maintaining the confidentiality of your account credentials, including username, password, and any one-time passwords (OTPs) sent to your registered mobile number or email. You must:
• Not share your credentials with any third party.
• Notify RKC Saral immediately at +91-7518071206 or via email (support@rkcsaral.com) if you suspect unauthorized access or compromise of your account.
• Use strong passwords and update them periodically.
RKC Saral is not liable for any losses, damages, or consequences arising from your failure to secure your account credentials.
3. User Responsibilities
3.1 Accurate Information
You agree to provide accurate, complete, and current information during sign-up and throughout your use of the Platform. You must promptly update any changes to your personal or business details, such as contact information or KYC documents, through the Platform or by contacting our support team.
3.2 Compliance with Laws
You agree to use the Platform in strict compliance with all applicable laws, regulations, and guidelines, including but not limited to:
• RBI regulations governing digital payments and prepaid payment instruments.
• The Payment and Settlement Systems Act, 2007.
• Anti-money laundering and counter-terrorism financing laws under the Prevention of Money Laundering Act, 2002.
• Guidelines issued by the National Payments Corporation of India (NPCI) for services like BBPS and AEPS.
3.3 Prohibited Activities
You shall not use the Platform for any unlawful or unauthorized purposes, including but not limited to:
• Engaging in fraudulent transactions, money laundering, or terrorist financing.
• Attempting to hack, disrupt, or interfere with the Platform’s functionality, security, or infrastructure.
• Using another person’s account or sharing your account credentials with others.
• Submitting false or misleading information during sign-up or transactions.
• Engaging in activities that violate these Terms, RBI regulations, or any other applicable laws.
Any violation of these prohibitions may result in immediate account suspension, termination, and potential legal action.
3.4 Transaction Responsibility
You are responsible for ensuring the accuracy of all transaction details, such as recipient bank account numbers, bill payment details, or mobile numbers for recharges. RKC Saral is not liable for any losses, delays, or errors resulting from incorrect or incomplete information provided by you.
3.5 User Conduct
You agree to use the Platform in a manner that is lawful, ethical, and respectful. You shall not:
• Post or transmit any content that is defamatory, obscene, or offensive.
• Use the Platform to harass, threaten, or harm others.
• Attempt to reverse-engineer, decompile, or extract proprietary code or APIs from the Platform.
4. Fees, Charges, and Refunds
4.1 Service Fees
RKC Saral may charge fees for certain services, such as AEPS transactions, money transfers, or specific bill payments. All fees will be:
• Clearly displayed on the Platform before you confirm a transaction.
• Transparent, with no hidden costs.
• Subject to change, with prior notice provided via the Platform or registered contact details.
4.2 Commission Structure
Retailers, distributors, and master distributors may earn commissions based on the volume and type of transactions facilitated through their accounts. Commission rates and structures will be:
• Communicated during the sign-up process or through the Platform.
• Subject to periodic updates, with changes notified in advance.
4.3 Refund Policy
Refunds will be processed under the following conditions:
• Failed Transactions: If a transaction fails due to technical errors on our end or third-party systems, we will process a refund within 7-14 business days, subject to verification.
• User Errors: No refunds will be issued for transactions completed successfully or errors caused by incorrect information provided by you (e.g., wrong mobile number for recharge).
• Wallet Balances: Upon account termination, unused wallet balances may be refunded after deducting applicable fees, subject to our policies and regulatory requirements.
Refund requests must be submitted via our support channels (+91-7518071206 or support@rkcsaral.com).
5. Privacy and Data Protection
5.1 Data Collection and Use
During sign-up and use of the Platform, we collect personal and financial information, including but not limited to:
• Name, email address, phone number, and address.
• Aadhaar number, PAN card, or other KYC documents.
• Bank account details for money transfers.
• Transaction history and preferences.
This data is collected, stored, and processed in accordance with our Privacy Policy, which you agree to by signing up. We use this information to provide services, comply with regulatory requirements, and enhance user experience.
5.2 Data Security
RKC Saral employs industry-standard security measures, such as encryption and secure APIs, to protect your data. However, you acknowledge that no system is entirely risk-free, and you use the Platform at your own risk. We are not liable for losses caused by unauthorized access due to circumstances beyond our control (e.g., hacking attempts not attributable to our negligence).
5.3 Third-Party Services
Certain services, such as BBPS, AEPS, or bank transfers, involve third-party providers (e.g., banks, NPCI, or payment gateways). By using these services, you agree to comply with their terms and conditions, which may be accessible through their respective platforms.
6. Intellectual Property
All content, software, APIs, logos, trademarks, and other materials on the Platform are the exclusive property of SS ENTERPRISES or its licensors. You may not:
• Copy, reproduce, modify, or distribute any content without prior written consent.
• Use RKC Saral’s trademarks, logos, or branding for commercial purposes without authorization.
• Attempt to decompile, reverse-engineer, or extract proprietary code from the Platform.
Unauthorized use of our intellectual property may result in legal action.
7. Termination and Suspension
7.1 Termination by RKC Saral
We reserve the right to suspend or terminate your account at our sole discretion if you:
• Violate these Terms or any applicable laws.
• Engage in fraudulent, unauthorized, or illegal activities.
• Provide false, incomplete, or misleading information during sign-up or KYC verification.
• Fail to comply with regulatory or legal requirements.
We may also suspend/terminate accounts as required by law enforcement or regulatory authorities.
7.2 Termination by User
You may terminate your account by contacting our support team at +91-7518071206 or via email (support@rkcsaral.com). You must settle any outstanding fees or charges before termination.
7.3 Effect of Termination
Upon termination:
• You will lose access to the Platform and all services.
• Any unused wallet balance may be refunded, subject to deductions for outstanding fees and compliance with our policies.
• Your data will be handled in accordance with our Privacy Policy and applicable laws.
8. Limitation of Liability
RKC Saral shall not be liable for:
• Losses arising from unauthorized access to your account due to your failure to secure credentials.
• Delays, errors, or interruptions in services caused by technical issues, third-party failures, or force majeure events (e.g., natural disasters, government regulations, or cyberattacks).
• Losses due to incorrect transaction details provided by you.
• Indirect, incidental, or consequential damages, including loss of profits or data.
Our liability is limited to the amount of fees paid by you for the specific transaction in question, except where prohibited by law.
9. Governing Law and Dispute Resolution
9.1 Governing Law
These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts in Kanpur, Uttar Pradesh, India.
9.2 Dispute Resolution
Any disputes shall first be attempted to be resolved amicably through communication with our support team (+91-7518071206 or support@rkcsaral.com). If unresolved within 30 days, disputes will be referred to arbitration under the Arbitration and Conciliation Act, 1996, with:
• A single arbitrator appointed mutually or by a court.
• The seat of arbitration in Kanpur, Uttar Pradesh.
• Proceedings conducted in English.
10. Contact Information
For questions, concerns, or support related to these Terms, sign-up, or services, please contact:
• Company Name: SS ENTERPRISES
• Email: support@rkcsaral.com
• Phone: +91-9919230555
• Website: https://rkcsaral.com
Our support team is available 24/7 to assist you.
11. Miscellaneous
11.1 Force Majeure
RKC Saral is not liable for delays or failures in performance due to events beyond our reasonable control, including but not limited to natural disasters, government regulations, technical failures, or cyberattacks.
11.2 Entire Agreement
These Terms, along with the Privacy Policy and other policies on the Platform, constitute the entire agreement between you and RKC Saral, superseding any prior agreements or understandings.
11.3 Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
11.4 No Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other rights under these Terms.
11.5 Assignment
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. RKC Saral may assign its rights or obligations to a third party in connection with a merger, acquisition, or sale of assets.
11.6 Notices
All notices from RKC Saral will be sent to your registered email address or phone number or posted on the Platform. You may send notices to us at support@rkcsaral.com or our registered office.
12. Acknowledgment
By signing up for RKC Saral, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. We are committed to providing a secure, reliable, and user-friendly platform for all your digital payment needs. Thank you for choosing RKC Saral as your trusted financial partner.

Commission Policies

Terms and Conditions for RKC Saral Wallet Commissions
These Terms and Conditions ("Commission Terms") govern the commission structure for retailers, distributors, and master distributors ("Business Users") earning commissions through transactions facilitated using the RKC Saral Wallet ("Wallet") within the RKC Saral mobile application or website (https://rkcsaral.com) (collectively, the "App"), operated by SS ENTERPRISES, a company registered under the Companies Act, 2013, in India ("we," "us," "our," or "RKC Saral"). By participating in the commission program, you ("Business User" or "you") agree to be bound by these Commission Terms, the Wallet Terms and Conditions, general Terms and Conditions, Privacy Policy, and any other policies published on the App. These Commission Terms form a legally binding agreement. If you do not agree, you must not participate in the commission program.
The RKC Saral Wallet enables Business Users to earn commissions by facilitating transactions such as mobile and DTH recharges, utility bill payments (electricity, water, gas, broadband), Aadhaar Enabled Payment System (AEPS) transactions, LIC premium and loan repayments, and domestic money transfers, all within the App. Commissions depend on the specific package (e.g., retailer, distributor, or master distributor package) selected by the Business User, which determines commission rates and benefits.
1. Eligibility for Commissions
To earn commissions, you must:
• Be a registered Business User with an active RKC Saral account, enrolled in a specific commission package (retailer, distributor, or master distributor).
• Complete Know-Your-Customer (KYC) verification, submitting valid identification documents (e.g., Aadhaar, PAN card, proof of address) as required by Indian laws to comply with anti-money laundering and other regulations.
• Be at least 18 years old or a registered business entity in India under laws such as the Companies Act, 2013, or the Partnership Act, 1932.
• Use the Wallet exclusively within the App to facilitate eligible transactions.
• Comply with all applicable laws, including those governing digital payments and consumer protection in India.
Failure to meet or maintain these requirements may result in suspension or termination of your commission eligibility.
2. Commission Structure
2.1 Commission Packages
Commissions are tied to the package you select during account setup or upgrade:
• Retailer Package: Designed for small-scale Business Users (e.g., shopkeepers) facilitating direct customer transactions. Offers standard commission rates per transaction (e.g., recharges, bill payments).
• Distributor Package: For Business Users managing multiple retailers, offering higher commission rates and potential bonuses based on network transaction volume.
• Master Distributor Package: For large-scale Business Users overseeing multiple distributors and retailers, providing the highest commission rates, tiered incentives, and additional benefits.
Package details, including eligibility criteria, fees (if any), and benefits, are displayed on the App or communicated during signup. You may upgrade or downgrade packages, subject to our approval and applicable terms.
2.2 Eligible Transactions
Commissions are earned on transactions facilitated through your Wallet, including:
• Mobile and DTH recharges for major Indian operators.
• Utility bill payments (e.g., electricity, water, gas) via the App.
• AEPS transactions (cash withdrawals, balance inquiries, money transfers) using Aadhaar authentication.
• LIC premium and loan repayments.
• Domestic money transfers to bank accounts.
2.3 Commission Rates
• Rates vary by transaction type and package level. For example:
o Retailer Package: Fixed or percentage-based commissions (e.g., ₹2 per recharge or 1% of bill payment).
o Distributor Package: Higher rates plus bonuses for achieving transaction thresholds.
o Master Distributor Package: Tiered rates and network-based incentives.
• Rates are displayed on the App’s dashboard or provided during package selection.
• We may modify rates or package benefits with prior notice via the App, email, or registered contact details. Continued participation after changes implies acceptance.
2.4 Exclusions
No commissions are earned on:
• Transactions outside the RKC Saral App.
• Failed, reversed, or fraudulent transactions.
• Transactions not compliant with these Commission Terms or applicable laws.
3. Commission Payment
3.1 Crediting Commissions
• Commissions are credited to your Wallet in real-time or per the schedule on the App (e.g., daily, weekly).
• You can track earnings and transaction history via the App’s dashboard.
• Credits are subject to verification to ensure compliance with anti-money laundering regulations and transaction validity.
3.2 Withdrawal
• Commissions can be withdrawn to your registered bank account, subject to minimum limits (e.g., ₹100) and fees, displayed on the App.
• Withdrawals are processed within 3-7 business days after verification.
• Bank account details must match KYC records to avoid delays.
3.3 Taxes
• Commissions are subject to taxes (e.g., GST, TDS) per Indian tax laws.
• You are responsible for reporting commission income to tax authorities.
• We may deduct applicable taxes or fees from commissions, as shown on the App.
4. Business User Responsibilities
4.1 Transaction Accuracy
• Ensure accurate transaction details (e.g., mobile numbers, bank accounts) provided by customers or entered by you.
• We are not liable for commission reversals or disputes due to incorrect information.
4.2 Legal Compliance
• Comply with anti-money laundering, consumer protection, and digital payment laws.
• Do not engage in fraudulent activities, such as creating fictitious transactions to inflate commissions.
4.3 Prohibited Activities
You must not:
• Manipulate transactions to increase commissions.
• Use the Wallet or commission program for illegal purposes.
• Share account credentials or allow unauthorized access.
• Misrepresent RKC Saral services to customers.
4.4 KYC Maintenance
• Maintain valid KYC documentation and update changes promptly via the App.
• Non-compliance may suspend commission earnings.
4.5 Package Obligations
• Adhere to the terms of your selected package, including any fees or minimum transaction requirements.
• Notify us if you wish to change packages, subject to approval.
5. Termination and Suspension
5.1 By RKC Saral
We may suspend or terminate your commission eligibility if you:
• Violate these Commission Terms, Wallet Terms, or applicable laws.
• Engage in fraudulent or unauthorized activities.
• Fail to maintain valid KYC or provide false information.
• Are required to be suspended by regulatory authorities.
Unpaid commissions may be forfeited upon termination, per our policies.
5.2 By Business User
Opt out of the commission program by contacting support at +91-7518071206 or support@rkcsaral.com, after settling outstanding fees.
5.3 Effect of Termination
Termination ends commission earnings, and pending commissions may be withheld or paid per our policies.
6. Limitation of Liability
We are not liable for:
• Commission losses due to technical errors, force majeure (e.g., natural disasters), or non-compliance.
• Disputes from incorrect transaction details.
• Indirect losses, such as lost profits.
Our liability is limited to the commission for the specific transaction.
7. Governing Law and Dispute Resolution
These Commission Terms are governed by Indian law, with disputes under Kanpur, Uttar Pradesh courts’ jurisdiction. Disputes shall be resolved amicably through support (30 days), then via arbitration under the Arbitration and Conciliation Act, 1996, in Kanpur, in English.
8. Contact
Reach us at:
• Email: support@rkcsaral.com
• Phone: +91-9919230555
• Website: https://rkcsaral.com
9. Miscellaneous
• Updates: Changes are effective upon posting on the App. Continued participation implies acceptance.
• Severability: Invalid provisions do not affect others.
• No Waiver: Non-enforcement of provisions is not a waiver.
By participating in the RKC Saral commission program, you agree to these Commission Terms. Thank you for partnering with RKC Saral.

Payment, Payout & Refund Policies

Payment Acceptance, Payout, and Refund Policies for RKC Saral
These Policies govern payment acceptance, payouts, and refunds for users of RKC Saral, a digital payment platform operated by SS ENTERPRISES, a company registered under the Companies Act, 2013, in India ("we," "us," or "RKC Saral"). By using our services, including the RKC Saral Wallet ("Wallet") within our mobile application or website (https://rkcsaral.com) (collectively, the "App"), you ("User," "you," or "your") agree to these Policies, our Terms and Conditions, and Privacy Policy. These Policies form a legally binding agreement. If you do not agree, you must not use the Wallet or related services.
These Policies are informed by industry practices in India, including Paytm (instant Wallet refunds, strict third-party funding restrictions), PhonePe (bank refunds within 7-14 days, account blocks for money mule suspicions), Google Pay (1-4 day fraud refund decisions, zero liability for timely reports), and RBI guidelines (immediate refunds for failed transactions, KYC-linked funding, suspensions for AML violations). They ensure secure, compliant transactions for services like mobile/DTH recharges, utility bill payments, AEPS transactions, LIC payments, and money transfers, all within the App.
1. Payment Acceptance Policy
1.1 Accepted Payment Methods
You can fund your Wallet or make payments for services through:
• Bank accounts via net banking, UPI, or IMPS.
• Debit/credit cards issued by authorized Indian banks.
• Aadhaar-based authentication for AEPS transactions.
All methods adhere to RBI’s guidelines for secure digital payments and anti-money laundering (AML) compliance, similar to standards enforced by Paytm and PhonePe.
1.2 Funding Restrictions
• Wallet funding must originate from a bank account or card registered in your name or your business’s name, as per KYC details. This mirrors industry practices (e.g., Paytm and Jupiter prohibit third-party funding to prevent money mule activities).
• Third-Party Funding Penalties:
o First Occurrence: A 10% charge is applied to the funded amount, and the remaining amount is refunded to the source immediately.
o Subsequent Occurrences: Full refund to the source without charge, with the transaction flagged for compliance.
o Three Occurrences: Your account will be suspended, and the matter will be handled legally, including potential reporting to authorities (e.g., under CrPC Section 102 for suspected money laundering, as practiced by banks and PhonePe).
• These measures align with RBI’s emphasis on KYC-linked funding sources and industry norms where repeated third-party funding triggers account holds or legal actions. 1.3 Transaction Limits
• Minimum KYC: Maximum Wallet balance of ₹10,000.
• Full KYC: Up to ₹1,00,000, per RBI guidelines.
• Per-transaction limit: ₹1,00,000 for UPI/money transfers.
• Additional limits may apply for security or AML reasons, notified via the App, consistent with Google Pay’s dynamic limit adjustments. 1.4 Security and Compliance
• Payments require OTP, biometric, or PIN authentication, ensuring PCI-DSS compliance.
• Failed or suspicious payments are not processed; users are notified instantly, with refunds as per Section 3.
• We monitor transactions for AML compliance, similar to Paytm’s fraud detection systems.
2. Payout Policy
2.1 Payout Eligibility
Payouts, including Wallet withdrawals and commissions for retailers/distributors, are available to users with:
• Full KYC verification.
• No active account suspensions or pending AML investigations.
• A registered bank account matching KYC details.
This aligns with PhonePe’s requirement for verified accounts to process payouts.
2.2 Payout Methods
• Payouts are processed to your registered bank account via IMPS/NEFT.
• Instant payouts for small amounts (e.g., <₹5,000); larger amounts take 1-3 business days, similar to Google Pay’s processing timelines.
2.3 Fees and Limits
• Minimal fees (e.g., ₹5-10 for bank transfers), displayed before confirmation.
• Minimum payout: ₹100; Daily maximum: ₹50,000 (adjustable per RBI).
• No payouts during suspensions; held funds may be refunded or forfeited per legal requirements, as seen in banking practices for AML violations.
2.4 Processing Time
• Wallet credits (e.g., commissions) are real-time or per App schedule (daily/weekly).
• Bank payouts are processed within 24-72 hours, with delays due to bank holidays or AML checks notified via the App, consistent with Paytm’s payout timelines.
3. Refund Policy
3.1 Refund Eligibility
Refunds are provided for:
• Failed Transactions: Immediate refund of full amount to the source (Wallet or bank).
• Cancellations: Within 24 hours for services like recharges or bill payments (full refund).
• Third-Party Funding: As per Section 1.2 (10% charge first time, full refund thereafter).
• Fraud/Unauthorized Transactions: Zero liability if reported within 3 days, per RBI guidelines, with full refund post-investigation.
No refunds for:
• Completed services (e.g., successful recharges) after 24 hours.
• User errors (e.g., wrong mobile number) post-cancellation window.
• Transactions under legal investigation.
This mirrors Google Pay’s zero-liability policy and Paytm’s no-refunded-completed-transaction approach.
3.2 Refund Process
• Initiation: Via App support (+91-7518071206 or support@rkcsaral.com) or automatic for failed/third-party cases.
• Timeline:
o Wallet refunds: Instant, like Paytm.
o Bank/UPI refunds: 5-7 business days, matching PhonePe’s standard.
o Fraud refunds: 7-10 days post-investigation, per RBI.
• Refunds are processed to the original payment method (bank/card/Wallet).
• Third-party funding refunds follow Section 1.2; repeated instances trigger suspension.
3.3 Dispute Resolution
• Report disputes or fraud within 3 days for zero liability, via support channels.
• Disputes are resolved within 7-10 days, per RBI guidelines.
• Third-party funding disputes may escalate to legal action after three occurrences, aligning with banking practices for AML enforcement.
4. Account Suspension and Legal Handling
• Suspension Triggers:
o Three instances of third-party funding (as per Section 1.2).
o Fraud, unauthorized transactions, or AML violations.
o Non-compliance with KYC or these Policies.
• Consequences:
o Access to Wallet and payouts restricted.
o Held funds may be refunded (minus fees) or forfeited per RBI/legal requirements.
o Legal handling may involve reporting to authorities (e.g., police under CrPC for money laundering suspicions, as practiced by banks/PhonePe).
• Reinstatement: Possible after verification, at our discretion.
• Permanent Termination: For repeated violations, with no access to funds, per industry norms.
5. General Provisions
5.1 Governing Law
These Policies are governed by Indian laws, with disputes under the exclusive jurisdiction of Kanpur, Uttar Pradesh courts. Unresolved disputes go to arbitration under the Arbitration and Conciliation Act, 1996, in Kanpur, in English.
5.2 Policy Updates
We may update these Policies, with changes effective upon posting on the App or notification via email/App. Continued use implies acceptance.
5.3 Contact
For queries or disputes, contact:
• Email: support@rkcsaral.com
• Phone: +91-9919230555
• Website: https://rkcsaral.com
5.4 Miscellaneous
• Compliance: Policies align with RBI, AML, and industry standards (e.g., Paytm, PhonePe).
• Severability: Invalid provisions do not affect others.
• No Waiver: Non-enforcement of provisions is not a waiver.
By using RKC Saral, you agree to these Policies. Thank you for choosing RKC Saral as your trusted digital payment platform.

Wallet Terms & Conditions

Terms and Conditions for RKC Saral Wallet
Welcome to the RKC Saral Wallet, a feature provided by SS ENTERPRISES, a company registered under the Companies Act, 2013, in India ("we," "us," "our," or "RKC Saral"). These Terms and Conditions ("Wallet Terms") govern your use of the RKC Saral Wallet ("Wallet") within the RKC Saral mobile application or website (https://rkcsaral.com) (collectively, the "App"). By adding funds to or using the Wallet, you ("User," "you," or "your") agree to be bound by these Wallet Terms, our general Terms and Conditions, Privacy Policy, and any other policies published on the App. These Wallet Terms form a legally binding agreement between you and SS ENTERPRISES. If you do not agree, you must not use the Wallet.
The RKC Saral Wallet is designed to facilitate seamless transactions within the App for services like mobile and DTH recharges, utility bill payments (electricity, water, gas, broadband), Aadhaar Enabled Payment System (AEPS) transactions, LIC premium and loan repayments, and domestic money transfers. The Wallet can only be used for transactions within the RKC Saral App and is not valid for external merchants or services.
1. General Provisions
1.1 Eligibility
To use the RKC Saral Wallet, you must:
• Be at least 18 years old or have legal capacity to enter contracts under Indian law.
• Be a resident of India or a registered business entity in India.
• Have a registered account on the RKC Saral App with completed verification processes, including Know-Your-Customer (KYC) requirements as mandated by applicable regulations.
• Comply with all relevant laws, including those governing digital payments in India.
1.2 Acceptance of Wallet Terms
By adding funds to or using the Wallet, you confirm you have read, understood, and agree to these Wallet Terms, the general Terms and Conditions, and Privacy Policy. These Wallet Terms are an electronic record under the Information Technology Act, 2000, and require no physical or digital signature.
1.3 Modifications
We may update these Wallet Terms to reflect changes in services or legal requirements. Changes are effective immediately upon posting on the App, with notifications sent via email or in-app alerts. Continued Wallet use after changes implies acceptance. If you disagree, stop using the Wallet and contact us to withdraw your balance.
1.4 Wallet Scope
The Wallet is a digital account within the RKC Saral App that stores funds for:
• Mobile and DTH recharges for major Indian operators.
• Utility bill payments (e.g., electricity, water, gas) via the App.
• AEPS transactions (cash withdrawals, balance inquiries, money transfers) using Aadhaar authentication.
• LIC premium and loan repayments.
• Domestic money transfers to bank accounts.
• Transactions by retailers, distributors, or master distributors to earn commissions.
The Wallet is restricted to use within the RKC Saral App and cannot be used for external payments or cash withdrawals outside AEPS services.
2. Wallet Setup and Funding
2.1 Wallet Activation
To activate the Wallet, you must:
• Register an account on the RKC Saral App as per the general Terms and Conditions.
• Complete KYC verification, providing valid identification (e.g., Aadhaar, PAN card) as required for certain services.
• Enable the Wallet feature by agreeing to these Wallet Terms.
2.2 Adding Funds
You can fund your Wallet using:
• Bank accounts via net banking or UPI.
• Debit or credit cards issued by authorized Indian banks.
• Other payment methods permitted by RKC Saral and compliant with regulations.
Funding is subject to:
• Minimum and maximum balance limits, displayed on the App.
• Possible transaction fees, shown before confirmation.
• Verification to ensure compliance with anti-money laundering laws.
2.3 Wallet Balance
• Your Wallet balance is visible on the App’s dashboard.
• No interest is earned on Wallet funds.
• Balances are non-transferable between users, except via App-approved money transfer services.
2.4 KYC Requirements
• Basic verification (e.g., mobile number OTP) may allow limited Wallet use.
• Full KYC (e.g., Aadhaar, PAN) is required for higher limits and advanced services like AEPS. Failure to complete KYC may restrict Wallet functionality.
3. Wallet Usage
3.1 Permitted Uses
The Wallet can be used only within the RKC Saral App for:
• Recharges, bill payments, AEPS transactions, LIC payments, and money transfers.
• Commission-earning transactions by retailers, distributors, or master distributors.
3.2 Prohibited Uses
You must not use the Wallet for:
• Transactions outside the RKC Saral App.
• Illegal activities, including fraud or money laundering.
• Payments to unregistered merchants or services.
3.3 Transaction Limits
Limits vary based on KYC status and are displayed on the App. We may impose additional limits for security or compliance reasons, with prior notice.
3.4 Transaction Accuracy
You are responsible for accurate transaction details (e.g., mobile numbers, bank accounts). RKC Saral is not liable for errors due to incorrect information.
4. Fees and Refunds
4.1 Fees
Fees may apply for:
• Adding funds to the Wallet.
• Specific transactions (e.g., AEPS, money transfers).
• Wallet inactivity, as per applicable regulations.
Fees are transparent, displayed before transactions, and subject to change with notice.
4.2 Commissions
Retailers, distributors, and master distributors earn commissions on Wallet transactions, with rates communicated on the App and subject to updates.
4.3 Refunds
• Failed Transactions: Refunded to your Wallet within 7-14 business days after verification if a transaction fails due to technical issues.
• User Errors: No refunds for completed transactions or errors from incorrect details.
• Wallet Closure: Unused balances may be refunded to your bank account, minus fees, per our policies.
Submit refund requests via +91-7518071206 or support@rkcsaral.com.
5. Wallet Security
5.1 User Responsibility
You must:
• Keep Wallet credentials (username, password, OTPs) confidential.
• Notify us immediately at +91-7518071206 or support@rkcsaral.com of suspected unauthorized access.
• Use strong passwords and update them regularly.
We are not liable for losses from unauthorized access due to your negligence.
5.2 Fraud Prevention
You agree to report suspicious activity and comply with fraud investigations. We may suspend your Wallet if fraud is suspected.
5.3 Security Measures
We use encryption and secure APIs to protect your Wallet, but you use it at your own risk.
6. Privacy
We collect Wallet-related data (e.g., KYC details, transaction history) per our Privacy Policy. Third-party services (e.g., banks) involved in Wallet transactions have their own terms, which you must review.
7. Intellectual Property
Wallet content, software, and branding are owned by SS ENTERPRISES. Unauthorized copying or use is prohibited.
8. Termination
8.1 By RKC Saral
We may suspend or terminate your Wallet for:
• Violating these Wallet Terms or laws.
• Fraudulent or unauthorized activity.
• Failure to maintain valid KYC.
8.2 By User
Deactivate your Wallet by contacting support. Settle outstanding fees first.
8.3 Effect
Upon termination, Wallet access ends, and unused balances may be refunded per our policies.
9. Limitation of Liability
We are not liable for:
• Losses from unauthorized access due to your negligence.
• Technical errors or force majeure events.
• Errors from incorrect transaction details.
Our liability is limited to the fees paid for the transaction.
10. Governing Law
These Wallet Terms are governed by Indian law, with disputes under the jurisdiction of Kanpur, Uttar Pradesh courts. Unresolved disputes go to arbitration per the Arbitration and Conciliation Act, 1996.
11. Contact
Reach us at:
• Email: support@rkcsaral.com
• Phone: +91-9919230555
• Website: https://rkcsaral.com
12. Miscellaneous
• Updates: Continued Wallet use after updates implies acceptance.
• Force Majeure: No liability for delays beyond our control.
• Severability: Invalid provisions do not affect others.
By using the RKC Saral Wallet, you agree to these Wallet Terms. Thank you for choosing RKC Saral.