Terms & Conditions

These Terms & Conditions govern access to and use of the EPKART website, mobile application, employee financial wellness services, EMI Protection programme, repayment tracking features and other digital services made available through EPKART.

EPKART TECHNOLOGY PRIVATE LIMITED operates EPKART as a technology-enabled employee financial wellness and digital services platform.

EPKART is not presented as a traditional bank or lender through this website.

By accessing or using EPKART, you acknowledge that you have read and understood these Terms & Conditions and agree to use the platform in accordance with them.

EPKART is designed around employee financial wellness.

The platform may provide:

• EMI Protection-related services
• Repayment tracking and related digital features
• Mobile recharge
• DTH recharge
• Bill payment services
• Travel and flight-related services
• Offers and cashback-related services
• Other digital services made available through the platform

The availability of any particular service may depend on applicable programme conditions, service-provider availability, technical availability and other applicable terms.

EPKART provides technology-enabled access to an EMI Protection programme for eligible employees through the applicable programme process.

An employee may submit a request for EMI Protection through the EPKART platform.

Each request may be considered independently based on applicable parameters, which may include:

• Employee profile
• Corporate relationship
• Employee history
• Programme parameters
• Verification information
• Applicable service conditions
• Other relevant criteria

Submission of a request does NOT create any assurance or entitlement to:

Submission of a request does NOT create any assurance or entitlement to:

• Approval
• EMI Protection
• Payment
• A specific protection amount
• A specific processing time
• Availability of the programme

Any applicable decision or process will be subject to the relevant programme conditions and applicable terms.

EPKART does not guarantee or assure approval, protection, payment, availability, eligibility or any particular outcome.

Any information displayed on the EPKART platform regarding EMI Protection is for explaining the programme and its process.

Actual availability and applicability may vary from employee to employee.

EPKART is an employee financial wellness and technology platform.

The platform should not be represented as providing loans, credit facilities or lending services.

Any third-party service involved in a particular transaction or programme, where applicable, may have its own terms and regulatory requirements.

Access to particular EPKART services may depend on applicable employee, corporate, programme, verification and service conditions.

Being able to access the EPKART platform does not automatically mean that an employee is eligible for every service available through the platform.

EPKART may request information or verification where reasonably required for providing or assessing a service.

Users are responsible for:

• Providing accurate information
• Keeping account information updated
• Maintaining confidentiality of login credentials
• Not sharing account credentials with unauthorized persons
• Using the platform only for lawful purposes

Users should immediately contact EPKART if they believe their account or credentials have been compromised.

EPKART may restrict or suspend access where reasonably necessary for security, misuse, fraud prevention, legal requirements or violation of these Terms.

Where applicable, EPKART may provide digital features for viewing or tracking repayment-related information.

Repayment information, schedules, transaction status and related details may depend on the applicable programme and verification process.

Users are responsible for reviewing information displayed through their account and following applicable repayment instructions.

EPKART does not guarantee that every repayment-related transaction will be processed, verified or reflected instantly.

Where an extension or other programme feature is made available, it will be subject to the applicable programme conditions, eligibility and applicable charges, if any.

Availability of an extension does not create an automatic right to receive or use the extension.

The applicable terms displayed to the user at the relevant time will apply.

EPKART may make everyday digital services available through its platform, including:

• Mobile recharge
• DTH recharge
• Bill payments
• Travel and flight-related services
• Offers and cashback
• Other services made available through applicable service providers

These services may be provided or facilitated through third-party technology, APIs, aggregators or service providers.

Availability, pricing, processing, cancellation, refund and other conditions may vary according to the applicable service-provider terms.

Users should review the applicable service information before completing a transaction.

Where payments are required for any EPKART service, the applicable amount and payment conditions will be displayed through the relevant platform flow.

Users are responsible for providing correct transaction information where required.

EPKART may use authorized payment service providers or other technology/service partners for processing or verification, where applicable.

A payment transaction may be subject to technical delays, verification requirements, banking/payment-system issues or third-party service conditions.

Refunds and cancellations will be handled according to the applicable service, transaction and programme conditions.

Different services may have different cancellation and refund conditions.

Users should review the applicable Refund & Cancellation Policy and service-specific conditions before completing a transaction.

Certain services available through EPKART may involve third-party service providers.

Examples may include:

• Payment service providers
• Recharge providers
• Bill payment providers
• Travel providers
• Technology providers
• Communication providers
• Authentication or security providers

Third-party services may be governed by their own terms, policies and conditions.

EPKART is not responsible for terms or policies that are independently imposed by third-party providers, except to the extent required under applicable law.

Users agree:

• To provide accurate information
• Not to submit misleading information
• Not to misuse the platform
• Not to attempt unauthorized access
• Not to use the platform for unlawful activities
• Not to interfere with platform security
• Not to impersonate another person
• Not to submit fraudulent transactions or information
• To comply with applicable laws and platform conditions

Users must not:

• Attempt to access another user's account
• Use false or misleading identity information
• Manipulate transactions or records
• Attempt unauthorized system access
• Reverse engineer or interfere with the platform
• Use automated methods to abuse the platform
• Use EPKART for unlawful activities
• Abuse offers, cashback or promotional benefits
• Submit fraudulent claims or requests

EPKART may take appropriate action where misuse is identified or reasonably suspected, subject to applicable law.

EPKART aims to maintain reliable access to its digital platform.

However, uninterrupted availability cannot be assured.

The platform or individual services may occasionally be unavailable because of:

• Maintenance
• Technical issues
• Internet or network problems
• Third-party service issues
• Security requirements
• System upgrades
• Events beyond reasonable control

EPKART aims to provide clear and accurate information.

However, programme information, service availability, transaction status, offers, cashback and other information may change from time to time.

Users should rely on the applicable information displayed at the time of using a particular service.

The EPKART name, brand elements, logos, website content, software, design, text, graphics and other platform materials may belong to or be licensed to EPKART TECHNOLOGY PRIVATE LIMITED or applicable rights holders.

Users may not copy, reproduce, modify, distribute, sell or commercially exploit such materials without appropriate authorization.

Use of EPKART may involve collection and processing of personal information.

Our Privacy Policy explains how personal information may be collected, used, stored, shared and protected.

Privacy Policy

EPKART may communicate with users through applicable channels such as:

• Email
• SMS
• WhatsApp
• Telephone
• In-app notifications
• Website notifications

Communications may relate to account activity, transactions, service requests, programme information, support, security or other applicable service-related matters.

Marketing communications, where applicable, will be handled according to applicable requirements and user preferences.

EPKART may restrict, suspend or terminate access to the platform or particular services where reasonably necessary because of:

• Violation of these Terms
• Fraudulent or suspicious activity
• Misuse of the platform
• Security concerns
• Legal or regulatory requirements
• Technical or operational requirements

Any such action will be handled subject to applicable law.

To the extent permitted by applicable law, EPKART will not be responsible for losses arising solely from circumstances outside its reasonable control, including certain third-party service interruptions, network failures, banking or payment-system issues, technical failures or events beyond reasonable control.

Nothing in these Terms is intended to exclude or limit any liability or consumer/user right that cannot legally be excluded or limited under applicable law.

EPKART may update these Terms & Conditions from time to time.

Updated Terms will be published on this page with the revised effective or updated date.

Users are encouraged to review this page periodically.

These Terms & Conditions shall be governed by the laws applicable in India.

Any dispute will be subject to the jurisdiction of the competent courts or authorities as applicable under Indian law.

For questions, concerns, complaints or grievances relating to EPKART services, users may contact the company through the official contact channel provided on the website.

Contact / Grievance