Terms & Conditions Effective Date: [Add Date] By accessing or using BikashPay, you agree to comply with the following Terms & Conditions. 1. Platform Nature BikashPay is a technology platform that facilitates access to digital payment and utility services through authorized partners. We do not provide banking or financial services directly. 2. Eligibility Users must be legally eligible to use digital payment services as per Indian laws and regulations. 3. Service Usage All services are subject to availability and partner approval. BikashPay reserves the right to modify or discontinue any service without prior notice. 4. Compliance Users agree to provide accurate information and comply with all applicable laws, rules, and regulations while using the platform. 5. Limitation of Liability BikashPay shall not be liable for delays, failures, or losses resulting from partner services, technical issues, or circumstances beyond our control. 6. Account Suspension We reserve the right to suspend or terminate user access in case of suspected fraud, misuse, or violation of these terms. 7. Governing Law These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. 8. Contact For support or queries, contact: support@bikashpay.com