Terms & Conditions

1. Acceptance of Terms

By accessing and using Paymm's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not[...]

2. Services Overview

Paymm provides:

Digital gift cards and vouchers for various brands
Instant delivery of digital products via email
Customer support for purchase and redemption queries
Secure payment processing through Cashfree Payment Gateway

3. Product Information & Pricing

Pricing

All prices are displayed in Indian Rupees (INR)
Prices include applicable taxes and fees
We reserve the right to change prices without prior notice
Promotional offers are subject to terms and conditions

Digital Products

Gift cards are delivered digitally via email
Delivery typically occurs within 1-24 hours
Each gift card has specific terms and validity periods
Redemption instructions are provided with each purchase

4. Payment Terms

Payment is required in full before delivery
We accept payments via Cashfree Payment Gateway
Supported payment methods: Credit cards, Debit cards, UPI, Net Banking, Pay Later
All transactions are secured with SSL encryption
Payment confirmation is sent via email

5. Order Processing & Delivery

Order Confirmation

Order confirmation is sent immediately after payment
Digital products are delivered to the email address provided
Check spam/junk folders if you don't receive delivery email

Delivery Timeline

Instant delivery: Within 15 minutes for most products
Standard delivery: Within 1-24 hours
Delays may occur during high-demand periods
Contact support if delivery exceeds 24 hours

6. User Obligations

You agree to:

Provide accurate and complete information
Use gift cards in accordance with brand terms
Not engage in fraudulent activities
Not resell or transfer gift cards unless permitted
Report any issues or discrepancies promptly
Maintain confidentiality of gift card codes

7. Prohibited Activities

You may not:

Use our services for illegal purposes
Attempt to hack or disrupt our systems
Share login credentials with others
Upload malicious content or viruses
Violate intellectual property rights
Engage in money laundering activities

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Paymm Advisory Pvt Ltd or its licensors and is protected by intellectual property laws. Brand names[...]

9. Limitation of Liability

Paymm Advisory Pvt Ltd shall not be liable for:

Indirect, incidental, or consequential damages
Loss of profits or business opportunities
Technical issues beyond our control
Third-party service interruptions
Misuse of gift cards by recipients

10. Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

11. Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be notified via email or website notice. Continued use of our services constitutes acceptance of modifi[...]

12. Contact Information

For questions about these Terms & Conditions, please contact us:

Email: officalpaymm@paymm.in

Head Office Address: L NO-A1, Sinjini Apt, Kali Park, Bhatenda, Kolkata, West Bengal - 700136, India

Branch Office Address: Ranjan Galaxy, New Vigrahpur, Gate No. 2, Near Nutan Apartment, Mithapur Old Bus Stand Opposite, Patna, Bihar - 800020, India

Business Hours: Monday to Friday, 9:00 AM to 6:00 PM IST