My Rewards Pay

TERMS & CONDITIONS

MyRewardsPay

Effective Date: 18/08/2026

Welcome to MyRewardsPay, a digital platform owned and operated by NR12 Brands Marketing Private Limited ("Company", "we", "our", or "us").

These Terms & Conditions ("Terms") govern your access to and use of the MyRewardsPay website, mobile application, Subscription User Portal, digital wallet, and related digital services.

By registering, accessing, or using MyRewardsPay, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

If you do not agree with any part of these Terms, please do not access or use the Platform.

1. ABOUT MYREWARDSPAY

MyRewardsPay is a digital platform designed to provide users with convenient access to multiple digital services through a single platform.

Depending on availability, the Platform may provide services including:

Mobile Recharge
DTH Recharge
FASTag Recharge
Electricity Bill Services
Water Bill Services
Gas Bill Services
Broadband Services
Landline Services
Credit Card Bill Services
Online Shopping
Flight Booking
Bus Booking
Train Booking
Hotel Booking
Holiday Packages
Tours & Travel Services
Digital Wallet Services
Rewards and eligible benefits
Other digital services introduced by the Company from time to time

The availability of individual services may depend on technical availability, service-provider availability, geographical availability, applicable regulations, and other operational factors.

2. ELIGIBILITY

To access and use MyRewardsPay, you must:

Be legally capable of entering into a binding agreement under applicable law;
Provide accurate and complete information;
Use the Platform only for lawful purposes;
Comply with these Terms and applicable laws.

Unless otherwise permitted by applicable law or specifically stated by the Company, MyRewardsPay services are intended for individuals who are 18 years of age or older.

The Company reserves the right to refuse registration or restrict access where applicable eligibility requirements are not satisfied.

3. ACCOUNT REGISTRATION

Certain services may require you to create an account.

During registration, you may be required to provide information including:

Full Name
Mobile Number
Email Address
Date of Birth
Residential Address
KYC information, where applicable
Referral ID, where applicable
Other information required for account creation or verification

You agree that all information provided by you will be accurate, complete, current, and genuine.

Providing false, misleading, incomplete, or inaccurate information may result in restriction or suspension of your account.

4. ACCOUNT SECURITY

You are responsible for maintaining the confidentiality and security of your:

User ID;
Password;
OTP;
PIN;
Login credentials;
Other authentication information.

You must not:

Share your password or OTP with another person;
Allow another person to use your account;
Attempt to access another user's account;
Use another person's login credentials;
Circumvent or interfere with Platform security.

You must immediately contact MyRewardsPay if you suspect unauthorised access or misuse of your account.

5. KYC AND IDENTITY VERIFICATION

Certain services or account features may require identity verification or KYC.

Users may be required to provide documents or information such as:

PAN;
Aadhaar-related information where legally permitted;
Address proof;
Photograph;
Government-issued identity documents;
Business documents where applicable;
Other information required for verification.

The Company may use authorised verification service providers for identity verification.

If information or documents submitted are inaccurate, incomplete, invalid, expired, fraudulent, or cannot be verified, the Company may restrict or suspend the relevant account or service.

6. SUBSCRIPTION ACCOUNT

Where MyRewardsPay provides a subscription-based account, the applicable subscription fee, benefits, validity, eligibility requirements, and other conditions will be communicated to the user through the Platform or applicable offer information.

Subscription benefits are subject to the applicable subscription terms and Company policies.

A subscription does not automatically guarantee any particular reward, benefit, cashback, profit, income, or financial return unless expressly stated in the applicable offer terms.

7. DIGITAL WALLET

Where digital wallet functionality is made available, users may access wallet-related features through the Platform.

Wallet-related activities may include:

Wallet credits;
Wallet debits;
Wallet balance;
Service-related wallet activity;
Reward-related wallet activity;
Wallet history;
Other authorised wallet activities.

Wallet functionality is subject to applicable service conditions, eligibility requirements, technical availability, and Company policies.

The digital wallet should not be considered a bank account, savings account, deposit account, or investment account unless expressly stated and legally permitted.

8. DIGITAL SERVICES

MyRewardsPay may provide access to various digital services through the Platform.

These may include:

Mobile recharge;
DTH recharge;
FASTag recharge;
Electricity bill services;
Water bill services;
Gas bill services;
Broadband services;
Landline services;
Credit card bill services;
Shopping services;
Flight bookings;
Bus bookings;
Train bookings;
Hotel bookings;
Holiday packages;
Tours and travel services;
Digital wallet services;
Rewards and eligible benefits.

Some services may be fulfilled or technically supported by third-party service providers.

The Company does not guarantee uninterrupted availability of every service at all times.

9. SERVICE REQUESTS AND TRANSACTIONS

Users are responsible for carefully reviewing all information before submitting a service request.

Depending on the service, this may include:

Mobile number;
Customer number;
Consumer number;
Account number;
Service provider;
Booking details;
Travel details;
Amount;
Date;
Other relevant information.

Once a service request has been successfully submitted, cancellation, modification, reversal, or refund may not always be possible.

Eligible cancellations, reversals, or refunds will be handled according to the Company's applicable Refund & Cancellation Policy and, where relevant, the terms of the respective service provider.

10. RECHARGE AND BILL SERVICES

MyRewardsPay may provide access to various recharge and bill-related services through authorised service providers.

Users are responsible for entering accurate information before submitting a service request.

The Company is not responsible for delays, failures, or incorrect service fulfilment resulting from:

Incorrect information provided by the user;
Mobile network issues;
Internet connectivity problems;
Service-provider systems;
Utility-provider systems;
Technical interruptions;
Circumstances beyond the Company's reasonable control.

Where a service request has been successfully processed by the relevant service provider, the applicable service provider's rules may apply.

11. SHOPPING SERVICES

MyRewardsPay may provide access to online shopping services, products, offers, or merchant services.

Products or services may be supplied or fulfilled by third-party merchants.

Product availability, specifications, pricing, delivery, warranty, replacement, cancellation, and other conditions may be subject to the relevant merchant's terms.

Users should review the applicable product and merchant information before completing a purchase.

12. TRAVEL SERVICES

MyRewardsPay may facilitate access to:

Flight bookings;
Bus bookings;
Train bookings;
Hotel bookings;
Holiday packages;
Tours and travel services.

Travel services may be provided through third-party travel operators, booking providers, airlines, hotels, transportation companies, or other service providers.

Bookings may be subject to the relevant provider's:

Availability;
Terms;
Cancellation rules;
Modification rules;
Refund rules;
Travel requirements;
Identification requirements.

Users are responsible for reviewing booking details before confirmation.

13. REWARDS AND BENEFITS

MyRewardsPay may offer eligible users rewards, reward points, cashback, loyalty benefits, promotional benefits, or other benefits from time to time.

Eligibility may depend on:

Eligible transactions;
Subscription status;
Applicable promotional conditions;
User eligibility;
Offer validity;
Company policies;
Other specified requirements.

Rewards and benefits are subject to applicable eligibility criteria and offer-specific terms.

The Company reserves the right to modify, suspend, or withdraw promotional benefits in accordance with applicable terms and law.

14. REWARD WALLET

Where a Reward Wallet is provided, the balance and activity history may be displayed through the Platform.

Reward Wallet benefits:

May be subject to eligibility requirements;
May have validity periods;
May not be transferable unless specifically permitted;
May not be redeemable for cash unless specifically permitted;
May be subject to offer-specific conditions.

Any applicable reward limits, eligibility requirements, or redemption conditions will be communicated separately.

15. PROMOTIONAL OFFERS

MyRewardsPay may introduce promotional campaigns, festive offers, special rewards, discounts, or other promotional activities.

Each promotion may have separate:

Eligibility requirements;
Validity period;
Usage conditions;
Limits;
Exclusions;
Redemption conditions.

Where a promotion contains specific terms, those terms will apply in addition to these general Terms.

16. FEES AND CHARGES

Any applicable subscription fee, service fee, booking fee, convenience charge, or other applicable charge will be communicated through the Platform or relevant service information.

Where the Company states that a particular eligible service has no additional convenience charge, that statement applies only to the specified service and subject to applicable conditions.

Third-party service providers may have their own applicable charges where permitted.

17. REFUND AND CANCELLATION

Refunds and cancellations are subject to the Company's Refund & Cancellation Policy and, where applicable, the rules of the relevant third-party service provider.

A refund may not be available in every situation.

Users should review the applicable cancellation and refund conditions before submitting a service request or booking.

18. USER RESPONSIBILITIES

Users agree to:

Provide accurate and complete information;
Use the Platform only for lawful purposes;
Maintain account security;
Follow applicable service conditions;
Review information before submitting a service request;
Not misuse rewards or promotional benefits;
Not engage in fraudulent activities;
Not interfere with Platform functionality;
Not introduce malicious software;
Not attempt unauthorised access;
Not impersonate another person;
Not use the Platform for unlawful activities.

19. PROHIBITED ACTIVITIES

Users must not:

Create false or fraudulent accounts;
Provide forged or misleading documents;
Use another person's identity;
Attempt to manipulate rewards;
Exploit technical errors or vulnerabilities;
Reverse engineer the Platform without lawful permission;
Copy or reproduce Platform content without permission;
Use automated systems to abuse Platform functionality;
Attempt unauthorised access to systems or accounts;
Conduct unlawful activities through the Platform;
Circumvent security mechanisms;
Engage in activities that may damage the Company's systems or reputation.

20. INTELLECTUAL PROPERTY

All intellectual property relating to MyRewardsPay, including:

Brand name;
Logo;
Website design;
Application interface;
Content;
Graphics;
Images;
Text;
Software;
Designs;
Trademarks;
Service marks;

belongs to or is lawfully used by NR12 Brands Marketing Private Limited, unless otherwise stated.

Users may not reproduce, copy, modify, distribute, publish, sell, or commercially exploit Company intellectual property without prior written permission.

21. THIRD-PARTY SERVICES

MyRewardsPay may connect users with third-party service providers.

The Company may not control:

Third-party availability;
Third-party pricing;
Third-party policies;
Third-party service quality;
Third-party delivery;
Third-party booking conditions.

Users may be required to accept the terms and privacy policies of the relevant third-party providers.

22. PLATFORM AVAILABILITY

We aim to maintain reliable access to MyRewardsPay.

However, we do not guarantee that the Platform will always be:

Available;
Uninterrupted;
Error-free;
Completely secure;
Free from technical issues.

The Platform may occasionally be unavailable because of maintenance, upgrades, technical problems, network interruptions, or circumstances beyond our reasonable control.

23. SUSPENSION OR TERMINATION

The Company may suspend, restrict, or terminate an account or access to any service where reasonably necessary, including if:

The user violates these Terms;
False or fraudulent information is provided;
Suspicious or unlawful activity is detected;
The account presents a security risk;
Required verification is not completed;
The account is used improperly;
Required by law or regulatory authorities.

Where appropriate and legally permissible, the Company may provide notice before taking such action.

24. EFFECT OF ACCOUNT TERMINATION

Upon termination or suspension:

Access to certain Platform features may be restricted;
Pending service requests may be affected;
Reward eligibility may be affected according to applicable terms;
Information may continue to be retained where required by law or the Privacy Policy;
Outstanding legitimate obligations may continue to apply.

25. DISCLAIMER

MyRewardsPay provides access to digital services through its Platform.

While we make reasonable efforts to maintain accurate information and reliable services, we do not guarantee that:

Every service will always be available;
Third-party services will always operate without interruption;
Information provided by third parties will always be accurate;
Every service request will be successfully completed;
The Platform will always be free from technical errors.

Nothing in these Terms excludes rights or protections that cannot legally be excluded.

26. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, NR12 Brands Marketing Private Limited shall not be liable for indirect, incidental, special, consequential, or unforeseeable losses arising from:

Third-party service interruptions;
Network failures;
Incorrect information provided by users;
Unauthorised access resulting from user negligence;
Events beyond the Company's reasonable control;
Third-party products or services.

Nothing in these Terms is intended to exclude liability where such exclusion is prohibited by applicable law.

27. INDEMNIFICATION

To the extent permitted by applicable law, users agree to be responsible for losses, claims, damages, liabilities, or reasonable expenses arising from:

Violation of these Terms;
Misuse of the Platform;
Fraudulent activities;
Unlawful activities;
Infringement of third-party rights;
Intentional or negligent misuse of the Platform.

28. PRIVACY

Your use of MyRewardsPay is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, process, store, protect, and disclose personal information.

By using the Platform, you acknowledge the Privacy Policy applicable to your use of MyRewardsPay.

29. BUSINESS PARTNERS

These General Terms & Conditions are intended primarily for regular users and subscribers of MyRewardsPay.

Business Partners, agents, merchants, distributors, service partners, or other commercial participants may be governed by separate Business Partner Terms & Conditions, agreements, policies, or contractual arrangements.

The Business Partner Terms & Conditions will be provided separately and may contain specific provisions relating to:

Business Partner eligibility;
Registration;
Business activities;
Commercial arrangements;
Partner responsibilities;
Partner benefits;
Commissions or incentives, where applicable;
Compliance requirements;
Partner account management;
Termination;
Other business-specific matters.

Where a separate Business Partner agreement or Terms & Conditions applies, those specific terms will govern the relevant Business Partner relationship.

30. CHANGES TO SERVICES

The Company may add, modify, suspend, replace, or discontinue any digital service or Platform feature from time to time.

Changes may be made because of:

Business requirements;
Technology changes;
Third-party service changes;
Regulatory requirements;
Security considerations;
Service-provider availability;
Other operational reasons.

Where required, material changes will be communicated through appropriate channels.

31. CHANGES TO THESE TERMS

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

The updated version will be published on the MyRewardsPay Platform with a revised "Last Updated" date.

Where required by applicable law, we may provide additional notice regarding material changes.

Continued use of the Platform after the effective date of updated Terms constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

32. FORCE MAJEURE

The Company shall not be responsible for delays, interruptions, or inability to provide services resulting from circumstances beyond its reasonable control, including:

Natural disasters;
Floods;
Earthquakes;
Fire;
Epidemics or pandemics;
Government restrictions;
Acts of terrorism;
Civil unrest;
War;
Network failures;
Internet disruptions;
Power failures;
Cyber incidents;
Third-party service failures;
Other events beyond reasonable control.

33. GOVERNING LAW

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.

Nothing in these Terms is intended to limit any mandatory rights or protections available to users under applicable law.

34. DISPUTE RESOLUTION

Any dispute or concern relating to the use of MyRewardsPay should initially be brought to the Company's attention so that the matter may be reviewed and resolved where possible.

Nothing in this section prevents a user from exercising any statutory rights or remedies available under applicable law.

35. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to remain effective to the extent permitted by applicable law.

36. NO WAIVER

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of its right to enforce that provision in the future.

37. ENTIRE AGREEMENT

These Terms, together with the applicable:

Privacy Policy;
Refund & Cancellation Policy;
Service-specific terms;
Promotional terms;
Subscription terms;
Other policies published by MyRewardsPay;

constitute the terms governing your use of the Platform.

Where specific service terms conflict with these general Terms, the applicable specific terms may prevail for that particular service to the extent permitted by law.

38. CUSTOMER SUPPORT AND GRIEVANCE REDRESSAL

For questions, complaints, service-related concerns, or assistance, users may contact:

MyRewardsPay
Operated by NR12 Brands Marketing Private Limited

Support Email: support@myrewardspay.com
Website: www.myrewardspay.com

Grievance Officer

Name: Krishna
Mobile: +91 9000363065
Email: support@myrewardspay.com

Users should provide sufficient information regarding their complaint so that the Company can investigate and respond appropriately.

39. CONTACT INFORMATION

MyRewardsPay
Owned and Operated by: NR12 Brands Marketing Private Limited

Website: www.myrewardspay.com
Support Email: support@myrewardspay.com

Grievance Officer: Krishna
Grievance Contact: +91 9000363065

40. USER ACKNOWLEDGEMENT

By registering, accessing, or using MyRewardsPay, you acknowledge that:

You have read and understood these Terms & Conditions.
You agree to comply with these Terms.
You agree to use the Platform lawfully and responsibly.
You understand that certain services may be provided through third-party service providers.
You understand that service-specific terms may apply to certain products and services.
You understand that Business Partners may be governed by separate Business Partner Terms & Conditions.
You have reviewed the applicable Privacy Policy and other relevant policies.
You agree to provide accurate information and maintain the security of your account.

Contact Information