Terms & Conditions

This service is provided by Smart Voucher Card. To use and receive the Service (including access to this website and/or any mobile application, collectively "Site"), you must first accept and comply with the following terms and conditions (the "Terms of Use") and the terms of our Privacy Policy. The Site is owned, operated and managed by Society FinTech Pvt. Ltd and wherever the Term Smart Voucher Card/We/Us/Our and similar expression is used it refers to Smart Voucher Card, its officers, directors, employees and representatives as the case may be.

  • The Service We Provide:
    The Service is designed to provide user "Network" to interact with their neighbors and share their knowledge of the neighborhood. Subject to the provisions below, and to the terms of any agreement. The following elements of the Service are available:
    1. Site Access:
      Please note that only one username and password should be created per user. Username is the Email ID/Contact number provided by the user. We reserve the right to verify this information before enabling an account. The account can be rejected or disenabled if it is found to be a fake account or for any other reason that Smart Voucher Card finds suitable and which it is not liable to state or justify. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for any activities that occur under your password or account, with or without your knowledge. If you knowingly give your login and password information to another person, we may suspend or terminate your account, in addition to any other remedies available to us. You must immediately notify us if you become aware of any unauthorized use of your password or account or any other breach of security. We cannot be liable for any loss or damage arising from your failure to comply with this paragraph.
    2. Registration Information:
      When you submit your data to register, we will require you to provide your name, e-mail address, contact number and a password of your choice. As mentioned above, your e-mail address/contact number will be used as your username for login purposes. Any registration information you provide must be true, accurate, current and complete. We would be displaying this information on the website for other users to access. Please also note that we may, but are not obligated to, use the information you provide to verify.
    3. Profile Information:
      Your Smart Voucher Card profile may not include any of the following content: telephone numbers (except where asked), any photographs containing nudity, profanity, or obscene, lewd, excessively violent, harassing, sexually explicit or otherwise objectionable subject matter. Despite this prohibition, it is possible that information provided by other Smart Voucher Card users (for instance, in their Profile) may contain inaccurate, inappropriate, offensive or sexually explicit material, products or services in violation of these Terms of Use. Smart Voucher Card does not assume any responsibility or liability for this material. We encourage you, however, to help us keep the website clean by contacting us if you notice any misuse of the Service.
    4. Neighborhood Info:
      The Site contains Local Info using 3rd party like Google Maps etc. Smart Voucher Card cannot and does not guarantee the accuracy, integrity or quality of any content provided by third party. In addition, your interactions with businesses found on or through the Service, including payment and delivery of goods or services and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and those businesses. In no event shall Smart Voucher Card be liable for any damages arising out of any interaction between you and such parties. The information provided on the Site is provided to you on an "AS IS, WHERE IS" basis.
    5. Registration Assistance:
      As part of our effort to make your search hassle free and easy, we would be happy to connect you with each other, to then coordinate and close the deal including lease and license registration. Smart Voucher Card can charge for this service. Smart Voucher Card cannot and does not guarantee the integrity and quality of the service provided by third party. In addition, your interaction with the third party service providers including payment and any such dealings are solely between you and those businesses. In no event shall Smart Voucher Card be liable for any damages arising out of any interaction between you and such parties.
    6. E-Mail Updates:
      As part of the Service, we may need to communicate with you via e-mail (see our Privacy Policy to learn more about communications). You agree to receive e-mails which are specific to your account and necessary for the normal functioning of the Service, including one or more welcome e-mails which help inform new users about various features of the Service. We may also send users occasional e-mail bulletins unless such users have opted not to receive these e-mails. These e-mails may also contain neighborhood information, tips and suggestions or any other offer provided by third party. Smart Voucher Card does not take any responsibility of the validity of any of these offers. You can anytime opt out of these emails by sending a mail to us.
    7. Information for Prospective Tenants:
      Because certain areas of the Site are designed to help prospective user, you may browse some sections of the Site, even if you have not yet registered. However, you will not be able to use the services unless you have logged in as a user.
  • Your Information; Privacy Policy:
    1. Privacy Policy:
      Our use of your information is subject to the terms of our Privacy Policy. You must agree to the Privacy Policy before you may access the site
    2. Your Registration Information:
      To provide you with access to the site, we will require you to provide the name and contact information described above, and may also request that you update or verify this information from time to time. By using the Site, you agree to provide accurate information, and to cooperate with any Smart Voucher Card personnel.
    3. Personal Data:
      Personal data refers to any information that tells us something about you or that we can link to you. Smart Voucher Card processes any information we receive from you, including personal and financial information you provide to us including when you: make a payment, enquire or make a request for Smart Voucher Card services, register to use and/or use any of our services and when you communicate with us through e-mail, SMS, a website or portal, telephone or any other electronic medium. Such information may include your name including first name and family name, date of birth, e-mail address, billing address, username, password and/or photograph, address, nationality and country of residence; And payment information like credit/debit card account number, card expiry date, CVV details, bank and/or issuer details; and/or information relating to any items purchased, including the location of the purchase, the value, the time and any feedback that is given in relation to such purchase. By processing, we mean everything we can do with this data such as collecting, recording, storing, adjusting, organizing, using, disclosing, transferring or deleting. You share personal information with us, for example when you: visit our website, complete application form, sign a contract, make a payment or alternatively use our payment services, or contact us through one of our channels.
    4. Other Information You Provide:
      • What You May Provide:
        As described above, the Site contains information about your requirement. You would also need to provide your accurate contact information
      • Grant of Rights to Smart Voucher Card:
        We take the privacy of our users very seriously. However, Smart Voucher Card will have a right to use the information to provide personalized advertisements and offers and to include that information in compilations developed by Smart Voucher Card.
    5. Registration Assistance:
      As part of our effort to make your search hassle free and easy, we would be happy to connect you with each other, to then coordinate and close the deal including lease and license registration. Smart Voucher Card can charge for this service. Smart Voucher Card cannot and does not guarantee the integrity and quality of the service provided by third party. In addition, your interaction with the third party service providers including payment and any such dealings are solely between you and those businesses. In no event shall Smart Voucher Card be liable for any damages arising out of any interaction between you and such parties.
    6. E-Mail Updates:
      As part of the Service, we may need to communicate with you via e-mail (see our Privacy Policy to learn more about communications). You agree to receive e-mails which are specific to your account and necessary for the normal functioning of the Service, including one or more welcome e-mails which help inform new users about various features of the Service. We may also send users occasional e-mail bulletins unless such users have opted not to receive these e-mails. These e-mails may also contain neighborhood information, tips and suggestions or any other offer provided by third party. Smart Voucher Card does not take any responsibility of the validity of any of these offers. You can anytime opt out of these emails by sending a mail to us.
    7. Information for Prospective Tenants:
      Because certain areas of the Site are designed to help prospective user, you may browse some sections of the Site, even if you have not yet registered. However, you will not be able to use the services unless you have logged in as a user.
      1. Privacy Policy
        Our use of your information is subject to the terms of our Privacy Policy. You must agree to the Privacy Policy before you may access the site.
      2. Your Registration Information:
        To provide you with access to the site, we will require you to provide the name and contact information described above, and may also request that you update or verify this information from time to time. By using the Site, you agree to provide accurate information, and to cooperate with any Smart Voucher Card personnel.
      3. Personal Data:
        Personal data refers to any information that tells us something about you or that we can link to you. Smart Voucher Card processes any information we receive from you, including personal and financial information you provide to us including when you: make a payment, enquire or make a request for Smart Voucher Card services, register to use and/or use any of our services and when you communicate with us through e-mail, SMS, a website or portal, telephone or any other electronic medium.
        Such information may include your name including first name and family name, date of birth, e-mail address, billing address, username, password and/or photograph, address, nationality and country of residence; And payment information like credit/debit card account number, card expiry date, CVV details, bank and/or issuer details; and/or information relating to any items purchased, including the location of the purchase, the value, the time and any feedback that is given in relation to such purchase.
        By processing, we mean everything we can do with this data such as collecting, recording, storing, adjusting, organizing, using, disclosing, transferring or deleting. You share personal information with us, for example when you: visit our website, complete application form, sign a contract, make a payment or alternatively use our payment services, or contact us through one of our channels.
      4. Other Information You Provide:
        • What You May Provide:
          As described above, the Site contains information about your requirement. You would also need to provide your accurate contact information.
        • Grant of Rights to Smart Voucher Card:
          We take the privacy of our users very seriously. However, Smart Voucher Card will have a right to use the information to provide personalized advertisements and offers and to include that information in compilations developed by Smart Voucher Card.
          1. Notwithstanding anything contained herein and in Smart Voucher Card's Privacy Policy, you hereby authorize Smart Voucher Card to share with our finance intermediaries, any and all information that you may provide in relation to this application for availing the products and/or service of our finance partners.
          2. By clicking on "Apply Now/Submit" tab:
            • You agree and authorize our finance intermediaries to contact you and communicate with you over emails, telephonic calls, or SMS on the mobile number mentioned in the application, or through any other communication mode ("Communication Modes") to verify the details provided by you in this application or to process this application
            • ) You confirm that you would like to know through the above mentioned Communication Modes, offers and promotion schemes relating to various products/services, from time to time.
            • You further agree and confirm that laws in relation to the unsolicited communication as laid down by the Telecom Regulatory Authority of Nepal will not be applicable for such communication/calls/ SMS received from our finance intermediaries.
            • You authorize our finance intermediaries to exchange and share all information and details, as provided by you in this application, with third parties, including but not limited to our finance partners' group companies, service providers, financial institutions, credit bureaus, telecommunication companies, statutory bodies, etc., for customer verification, personalization of products or services, credit rating, data enrichment, marketing or promotion of services or related products of our finance partners or that of its associates and affiliates or for enforcement of your obligations and agree that you shall not hold our finance partners (or any of its group companies or its/their employees/agents/representatives) liable for using/sharing of the information as stated above.
            • You understand and agree that pursuant to this application form, you will be required to submit documents to the satisfaction of our finance intermediaries and accept the terms and conditions as prescribed by our partners in relation to products and/or service applied by you.
              , as a subscriber/ User of the services offered through the web portal Smart Voucher Card, do herby expressly authorize Smart Voucher Card and any of their business associates to call/ SMS my/our registered phone numbers (as provided by me / us to Smart Voucher Card).
              I/we also undertake that I/We will not make any complaints to Telecom Regulator for any calls received from Smart Voucher Card services/ products, and shall indemnify Smart Voucher Card and any of its business associates for having engaged in any such practice.
              I realize, acknowledge and expressly authorize Smart Voucher Card to make the initial communication (via any medium) for the purposes of confirmation of my credentials provided by me. I hereby authorize Smart Voucher Card and its business associates to continue contacting me via any of the mediums of communication, till such time as I expressly opt-out / unsubscribe from the service offered by Smart Voucher Card. Till such time, Smart Voucher Card and its business associates shall have all rights to continue communicating with me and I shall completely indemnify them against any liability that may arise as a result of such authorization to communicate. Such indemnification shall extend to court cases and suits and all lawyer / advocate fees, even if the dispute is never subjected to judicial scrutiny.
            • Respect for Third Party Rights:
              You may not use the Site to transmit or reproduce someone else's intellectual property. For example, you may not use the services to post reviews from someone else's blog or travel guide, because that could violate the author's or publishers copyright rights.
          3. Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old. Richard McClintock, a Latin professor at Hampden-Sydney College in Virginia, looked up one of the more obscure Latin words, consectetur, from a Lorem Ipsum passage, and going through
  • Prohibited Conduct:
    You represent and warrant that you shall not do any of the following via the Site or otherwise in connection with the Service:
    1. Prohibited Conduct
      • Attempt or help anyone else attempt to gain unauthorized access to the Smart Voucher Card Service or its related systems or networks (including without limitation the impersonation of another user or other use of a false identity or address to gain access to the site);
      • Use the Site to violate the intellectual property rights of any person.
      • Send spam or otherwise duplicative or unsolicited messages in violation of applicable laws.
      • Send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortious material, including material harmful to children or violate of third party privacy rights.
      • Send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs;
      • Interfere with or disrupt the integrity or performance of the Service or the data contained therein.
      • License, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Service or any content contained in or made available through the Service (the "Content") in any way.
      • Modify or make derivative works based upon the Service or the Content.
      • Create Internet "links" to the Site or "frame" or "mirror" any Content on any other server or wireless or Internet-based device; or
      • reverse engineer or access the Service in order to (a) build a product competitive with the Service, (b) build a product using ideas, features, functions or graphics similar to those of the Service, or (c) copy any ideas, features, functions or graphics contained in the Service.
    2. Rights of Smart Voucher Card:
      Smart Voucher Card shall have the right to immediately suspend or terminate your access to the Service for any actual or suspected violation of these Terms of Use. Smart Voucher Card shall also have the right to itself use or release to third parties (including law enforcement and your building's management) personally identifiable information regarding any person or entity who is suspected of having used this Site or any other component of the Service for any fraudulent purposes, for harassment, or for having otherwise violated any law, rule or regulation or the rights of third parties or having engaged in any conduct which Smart Voucher Card deems improper. By using the Service, you are agreeing to our use or release of any information you provide in any manner we deem appropriate or necessary if you are suspected of having engaged in any conduct which we deem improper. Smart Voucher Card shall also have the right to terminate, disable or reject creation of your account if it finds that you are running a fake or a false account, or for any other reason it may find appropriate and is not liable to justify or clarify the reason.
    3. How You Can Help:
      Please notify Smart Voucher Card immediately of any unauthorized use of your password or account, or if you suspect that there has been any other misconduct described above, by e-mailing us at the earliest.
  • Termination of Access:
    Your access to the Service will terminate, if you violate any of the terms of Use or for any other reason Smart Voucher Card may find appropriate and it is not liable to justify or clarify the reason. If so, you will no longer be eligible to use the Site as described in this Section 1.
  • General:
    1. Smart Voucher Card Property:
      As between the parties, Smart Voucher Card shall own and retain all right, title and interest in and to the Service, the Site, and any technology or content contained in or made available through the Service (other than your own name and contact information), and shall also own any suggestions, ideas, enhancement requests, feedback, recommendations or other information that you may provide relating to the Smart Voucher Card Service. The Site is owned, operated and managed by Society FinTech Pvt. Ltd. Other trademarks and trade names that may appear on the Site are the property of their respective owners
    2. Content on the Website:
      B. Content on the Website: While all effort is made to ensure reliable information is posted on the site, the information contained on the Site may not be accurate and beyond our control. We do not warrant the accuracy or suitability of such information. Changes may be periodically added to the contents herein. By using our services, you acknowledge that information on the Site is provided to you on an "AS IS, WHERE IS" basis. Similarly, while we endeavor to ensure that all information, we cannot guarantee the same. The content on the Site should not be interpreted as a recommendation for any specific product or service, use or course of action.
    3. Your Data:
      You, not Smart Voucher Card, shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of any information you submit via the Site, and Smart Voucher Card shall not be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any such information. Smart Voucher Card reserves the right to withhold access to, remove and/or discard your information from the Site or terminate your account without notice for any breach of these Terms of Use or any other reason that Smart Voucher Card may find appropriate. In the event that your account it terminated, your ability to access or use data through the Service shall immediately cease, and Smart Voucher Card shall have no obligation to maintain or forward any data that you have submitted.
    4. Third Party Offers:
      As part of the Service, Smart Voucher Card may provide you with information regarding goods or services offered by various third parties (including without limitation financial institutions, paid advertisers or sponsors of the Smart Voucher Card Service, other users and leave and license registration agents). In no event shall Smart Voucher Card be liable for any damages arising out of any interaction between you and such parties.
    5. Warranties; Disclaimers:
      In no event shall Smart Voucher Card be liable for any damage whatsoever arising out of the use of or inability to use the Smart Voucher Card Service, even if Smart Voucher Card has been advised of the possibility of such damages. Smart Voucher Card does not take any responsibility for any damage happening due to any interaction between its users happening directly or indirectly through Smart Voucher Card.
    6. Limitation of Liability:
      In no event shall Smart Voucher Card be liable to any person for any incidental, consequential, special, indirect or punitive damages (including without limitation lost profits) relating to the Service or otherwise relating to these Terms of Use (whether for breach of contract, tort, or negligence) or its termination and irrespective of whether Smart Voucher Card has been advised of the possibility of any such loss or damage. The limitations contained in this section shall survive any failure of an exclusive or limited remedy.
    7. Indemnification:
      You hereby agree to indemnify, defend and hold Smart Voucher Card, and our officers, directors, employees and agents (collectively, the "Indemnities") harmless from and against any and all losses, costs, expenses (including reasonable outside attorneys' fees), claims, suits and liabilities by third parties (collectively, "Claims") that the Indemnities may suffer or incur, that arise, result from, or relate in any way to
      • your infringement of any intellectual property or other rights of a third party;
      • your violation of any laws or regulation of any governmental, regulatory or judicial authority arising from your use of the Service
      • your violation of these Terms of Service, or
      • your actual or alleged gross negligence or willful misconduct in connection with your use of the Service.
    8. Governing Law; Jurisdiction:
      H. Governing Law; Jurisdiction: These Terms of Use shall be governed by Nepalese law, without regard to the choice or conflicts of law provisions of any jurisdiction. Any disputes, actions, claims or causes of action arising out of or in connection with the Service shall be subject to, and you hereby consent to, the exclusive jurisdiction of the Nepalese law.
    9. Waiver and Severability:
      No failure or delay on the part of either party in exercising any right or remedy hereunder will operate as a waiver thereof or any other provision. In the event that any provision of these Terms of Use is determined by a court of competent jurisdiction to be unenforceable or invalid, such unenforceability or invalidity will not render these Terms of Use unenforceable or invalid as a whole, and the unenforceable provision shall be construed, as nearly as possible, to reflect the intentions of the invalid or unenforceable provision.
    10. Changes to the Service:
      Smart Voucher Card reserves the right to redesign or modify the organization, structure, features, pricing, or "look and feel" of the Service and any portion thereof at any time without prior notice or liability hereunder.
    11. Modification to Terms:
      Smart Voucher Card reserves the right to modify the provisions of these Terms of Use at any time by posting an updated version of this document on the Site, provided, however, that no such modification shall have retroactive effect. Except as provided in this paragraph or otherwise provided in the Terms of Use, no modification of or amendment to the Terms of Use, and no waiver of any rights thereunder, will be effective unless in writing signed by the party to be charged.
    12. Transfer Prohibited:
      Your Smart Voucher Card account is personal to you, and you may not assign or transfer your Smart Voucher Card account or any of your rights under these Terms of Use to any third party without our prior written consent, which may withhold for any reason or for no reason. Any attempted assignment or transfer in violation of the foregoing shall be deemed a material breach of the Terms of Use.
    13. How to Contact Us:
      If you have any questions about this Agreement, the practices of Smart Voucher Card, or your experience with the Service, you can contact us through any medium.
    14. Refund Policy:
      None of the Smart Voucher Card products or services is refundable or cancellable until or unless specified otherwise.
    15. Copyright Policy:
      Smart Voucher Card respects the intellectual property of others, and we ask our users to do the same. If you believe that your own copyrighted work is accessible on the Site in violation of your copyright, you may provide us a written communication that contains substantially the following information:
      1. identify the copyrighted work or intellectual property that you claim has been infringed in sufficient detail so that we can locate the material.
      2. Identify the URL on the Site that contains the material that you claim infringes your copyright. Again, you must provide us with reasonably sufficient information to let us locate the alleged infringing material.
      3. Include your basic contact details.
      4. Provide the electronic or physical signature of the owner of the copyright or a person authorized to act on the owner's behalf.
      5. Include a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
      6. Include a statement by you, made under the penalty of perjury, that the information contained in your Notice is accurate and that you are the copyright owner or that you are authorized to act on the copyright owner's behalf.
      7. Information on Smart Voucher Card site is to be used by customers for personal use. Smart Voucher Card reserves the right to block customer and forfeit any payment-received, if it suspects the customer or the usage to be of commercial nature.
      8. If the paid customer is found to be displaying unethical behavior then Smart Voucher Card reserves the right to ban the customer with no refund. This includes using the owner-details from Smart Voucher Card site directly or indirectly for asking the customers.
      9. You can e-mail us your Notification of Alleged Copyright Infringement.
    16. Disclaimers:
      1. Smart Voucher Card is not responsible for any incorrect or inaccurate Content/listing posted on the Site or in connection with the Smart Voucher Card Service, whether caused by Users, customers or by any of the equipment or programming associated with or utilized in the Service, nor for the conduct of any User and/or Member of the Smart Voucher Card service whether online or offline.
      2. Smart Voucher Card services all packages or memberships on best effort basis. We do not guarantee any return in part or full unless specifically mentioned on the site.
      3. Smart Voucher Card assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, User and/or Member communications or any communications by Smart Voucher Card to its Members.
      4. Smart Voucher Card is not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line-systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any web site or combination thereof, including injury or damage to Users and/or Members or to any other person's computer related to or resulting and/or in connection with the Smart Voucher Card Service.
      5. Under no circumstances will Smart Voucher Card be responsible for any loss or damage resulting from anyone's use of the Site or the Service and/or any Content posted on the Smart Voucher Card Site or transmitted to Smart Voucher Card customers.
      6. The information through or by "Smart Voucher Card" is not any sort of offer and/or recommendation from/by Smart Voucher Card. Smart Voucher Card shall not be responsible for any loss or damage to any individual arising out of, or subsequent to, any relations (including but not limited to property) established pursuant to the use of Smart Voucher Card.
      7. The Site and the Service are provided "AS-IS" and Smart Voucher Card expressly disclaims any warranty of fitness for a particular purpose or non-infringement. Smart Voucher Card cannot guarantee and does not promise any specific results from use of the Site and/or the Smart Voucher Card Service. Smart Voucher Card expressly disclaims any liability or responsibility whatsoever and howsoever arising as a result of any Content/listing posted on the Site / made available to Smart Voucher Card by any customers or the users of the Site or any third party. Smart Voucher Card does not assume any responsibility or liability for any illegal content posted on the Site by any customers, users or any third party.
      8. All liability, whether civil or criminal arising out of any Content that is Posted on the Site will be of that Customer / user / third party who has Posted such Content and Smart Voucher Card reserves its right to claim damages from such Customer/ user / third party that it may suffer as a result of such Content Posted on the Site. Smart Voucher Card does not claim ownership of Content you submit or make available for inclusion on the Service.
      9. The terms on our platform refer to our algorithm based tech process by which we eliminate fake & false IDs on our platform. This is on a best-effort basis and has its own limitations. We neither physically meet nor do we conduct any background /police verification process of the customers.
    17. Smart Voucher Card Terms & Conditions:
      1. Our Role: Any registered user may choose to make payments including rent and security deposits, as may be applicable through our payment gateway(s) offered/provided by Smart Voucher Card. Except for our limited role in processing payments that registered users authorize or initiate, we are not involved in any underlying transaction between you, any other user, or any service providers. We may use the services of one or more third parties to provide the Service and process your transactions (each a "Processor"). Further, we do not guarantee payment on behalf of any registered user, other user or third party service provider. We are neither an agent of the lessor or lessee or any registered user.
      2. Authorization: You authorize us to hold, receive and disburse funds in accordance with your payment instructions, whether provided to us directly or through a Provider's Application, and whether to us in our own capacity or in our capacity as payment processor acting on behalf of Lessors that have appointed us as agent for the limited purpose of receiving payments. Your authorization permits us
        • to debit or credit your Balance, a Bank Account, any credit card, debit card, or other payment cards that we accept ("Cards"), or any other payment method we accept, or
        • to process payment transactions that you authorize by generating an electronic funds transfer. When you instruct us to pay another user, you authorize and order us to commit your payment (less any applicable fees or other amounts we may collect under this Agreement) to such user. We may limit the recipient's ability to use or withdraw the committed funds for a period of time we have agreed with the recipient. Your authorizations will remain in full force and effect while you maintain your payment(s) with us and for any Bank Account.
      3. Transaction Limits: We may delay, suspend or reject a transaction for any payment(s) for any reason, including without limitation if we suspect the transaction subjects us to financial or security risk or is unauthorized, fraudulent, suspicious, unlawful, in violation of the terms of this Agreement, subject to dispute or otherwise unusual.
      4. Chargebacks: The amount of a transaction may be charged back or reversed to you (a "Chargeback") if the transaction (a) is disputed by the sender, (b) is reversed for any reason, (c) was not authorized or we have reason to believe that the transaction was not authorized, or (d) is allegedly unlawful, suspicious, or in violation of the terms of this Agreement. You owe us and will immediately pay us the amount of any Chargeback and any associated fees, fines, or penalties assessed by our Processor or processing financial institutions. You agree to assist us when requested, at your expense, to investigate any of your transactions processed through the Service. For Chargebacks associated with Cards, we will work with you to contest the Chargeback with the Network or issuing banks should you choose to contest the Chargeback. We will request necessary information from you to contest the Chargeback.
      5. Liability: You agree not to hold Smart Voucher Card responsible and/or liable for any issue or claim arising out of any dispute whatsoever between you and the Processor and/or you and your bank or financial institution.
      6. Fraud and Restrictions: Smart Voucher Card may ask for additional documents (KYC) in case the transaction looks suspicious. Smart Voucher Card will refund your full payment without any deductions if it is not a valid payment. A valid payment is one where there exists a payment amount equivalent to what is being transferred on Smart Voucher Card site or app. A valid maintenance payment is one where there exists a maintenance bill between the payers.
      7. Refunds: In case, Smart Voucher Card is not able to transfer the amount to the beneficiary account due to technical difficulties, we will refund the payment back to source. You are advised not to transfer the until a refund ID is generated and sent to you through email and SMS.
      8. Data Centers – All the company data centers are going to be secure data center, this requirement will be re-evaluated at a later stage.