Terms Conditions(Prepaid Card)

A company incorporated under Indian law, Hitch Zone (henceforth referred to as "Hitch Zone", "we," "us," "our," "PPI issuer," or "the Company") has its registered office at 603 & 604, 6th Floor, Forum Mart, Kharvel Nagar, Bhubaneswar- 751007. According to the guidelines established by the RBI's Master Directions on Master Directions on Prepaid Payment Instruments ("PPI Master Directions") and the provisions of the Payment and Settlement Systems Act, 2007, the Company is a permitted issuer of PPI.

This agreement, which is a contract between you and Hitch Zone, regulates how you use the digital wallet and mobile payment app from Hitch Zone as well as other associated services (collectively, "Hitch Zone"). You implicitly agree to and accept all of the terms and conditions of this agreement by downloading and using Hitch Zone. By using Hitch Zone, you acknowledge that you have read and agree to this agreement, which may be updated at any moment. Hitch Zone's Customer Grievance Policy https://hitch.zone/ppc/grievance-policy, KYC Policy, Privacy Policy https://hitch.zone/ppc/privacy-policy and E-Sign Policy are all accepted when you accept this agreement.

At any time, in its sole and absolute discretion, Hitch Zone may alter this Agreement and any other applicable Hitch Zone agreements or policies pertaining to Hitch Zone by publishing the updated versions on its website. Your usage of Hitch Zone following the publication of any changes on Hitch Zone's website indicates that you agree to those changes. It is your duty to regularly check Hitch Zone's website for the most recent versions of this agreement. The most recent, updated versions of this agreement are always available on the Hitch Zone website.

When using Hitch Zone's Pre-Paid Payment Instrument ("PPI"), also known as "Hitch Zone" users are encouraged to carefully read the terms and conditions ("T&Cs") prior to registering, accessing, or using Hitch Zone. These Terms and Conditions shall be interpreted as a binding contract ("Agreement") between Hitch Zone and its users (henceforth referred to as "You" or "Your"). If you disagree with or do not want to be bound by the aforementioned T&Cs, you may choose not to use the services or to stop using them right away. Registering and using the company's PPI will bind you to all of these terms and constitute acceptance and unconditional assent to the T&Cs. The terms and conditions are subject to change at any time, at our discretion. We'll make sure to publish the most recent version on our website or apps, and the changes will be effective right away. You acknowledge and agree to the amendments if you continue to use Hitch Zone after they are posted.

• Every reference to the single must also include the plural, and any mention of the masculine gender must also include the feminine gender.
• The relative clause's meaning is unaffected by the clause headers, which are merely for convenience.
• The terms "include," "includes," and "including" will be interpreted without restriction.

Any provision of this agreement that is determined to be unlawful, null and void, or unenforceable by a court of competent jurisdiction will be considered removed, and the other terms and conditions will remain in effect.

The following terms and expressions will have the following definitions in this document:

"Agent" refers to the organizations that assist Hitch Zone in facilitating the loading and reloading of PPI that Hitch Zone issues to its clients.

The term "Available Amount" refers to the total amount that is available in Hitch Zone at any given moment for use by the Hitch Zone Account Holder. This amount is calculated by subtracting (a) the amount(s) used for transactions through Hitch Zone and (b) fees, costs, and expenses that Hitch Zone charges.

An "add-on card" is a supplemental card that is given to a person or people with the primary user's consent and instruction, subject to the primary user's limitations and liability. Interoperability features are enabled on these cards.

The term "customer" refers to the person who has used Hitch Zone's PPI to buy products and services. In these T&Cs, "User," "You," "Your," and "Customer" are all used interchangeably.

A network-enabled card that is jointly issued by Hitch Zone and a partner organization known as the co-branding partner is called a "co-branded card". Hitch Zone will always be in charge of issuing and managing this type of co-branded card.

The term "enterprise" refers to any business, partnership, or single proprietorship that wishes to make use of the Hitch Zone facility made available to its staff, consultants, or distributors, as applicable. Co-branding partners will be regarded as enterprises as well.

The term "FASTag" describes the radio-frequency identification (RFID) tag that will be attached to a car's windscreen. This program is a component of the National Payments Corporation of India's (NPCI) National Electronic Toll Collection (NETC) effort.

The term "FASTag wallet" describes a reloadable wallet that will be made for the client under Hitch Zone.

"Full-KYC PPI" refers to a PPI in which the client has supplied accurate information in accordance with the relevant KYC Norms that are periodically issued by the RBI.

"KYC Norms" refer to the Know Your Customer (KYC) Direction, 2016 Master Direction, as amended periodically by the RBI.

"Merchant" refers to a business that has a contract with Hitch Zone or the card networks to accept and honor Hitch Zone in exchange for payment to the Hitch Zone Account Holder for products and services sold by the merchant. Stores, shops, restaurants, and transportation companies that Hitch Zone occasionally onboards are examples of merchants.

Coupons, discounts, vouchers, and other valuable content are examples of "offer(s)" that can be used at a participating merchant location.

A passport, driver's license, proof of Aadhaar number possession, an Election Commission of India voter's identity card, a job card issued by NREGA that has been properly signed by a state government official, and a letter from the National Population Register with name and address information are all considered "officially valid documents" (OVDs).

"Password" refers to the alphanumeric string that is necessary for verifying the use of Hitch Zone on a mobile or online platform that Hitch Zone offers or that is occasionally selected by the Hitch Zone Account Holder.

People who are or have been entrusted with high-profile public positions by a foreign nation are known as "Politically Exposed Persons" (PEPs). These individuals include heads of state or government, senior politicians, high-ranking military, judicial, or government officials, senior executives of state-owned businesses, and significant political party officials.

The terms "PPI" and "Hitch Zone" refer to prepaid instruments that Hitch Zone issues in the form of wallets, cards, and gift instruments. These instruments can be used by users of Hitch Zone's platforms to pay for goods they have purchased from merchants, transfer money between PPIs, or for any other purpose that may occasionally be specified. Both reloadable and non-reloadable PPIs are possible. In this text, the terms "Hitch Zone" and "PPI" have been used interchangeably.

"PPI services" refers to the program that Hitch Zone uses to issue PPIs. These services include, but are not limited to, facilitating payments to merchants for goods and services that customers have purchased using their wallets or cards, wallet-to-wallet transfers, wallet-to-bank transfers, etc.

The individual to whom a PPI card is issued and the owner of an add-on PPI card issued to a dependant or kid is referred to as the "primary user." The primary cardholder will be held accountable for the actions of the Add-on PPI cardholder.

"Hitch Zone Account" refers to an account created in an applicant's name and kept up to date by Hitch Zone for the purpose of using the account in accordance with the terms and conditions stated above.

"Hitch Zone Account Holder" refers to a person or organization that has obtained a Hitch Zone Account in order to make purchases, receive payments, and receive services. The Reserve Bank of India is referred to as "RBI".

"Small PPI" refers to the PPI for which the client has supplied the bare minimum of information mandated by the relevant rules.

Any debit or credit activity that shows up in the Hitch Zone Account is referred to as a "transaction".

The term "Gift PPI" refers to non-reloadable prepaid gift cards with a maximum value of INR 10,000 that prohibit cash withdrawals and fund transfers.

Hitch Zone retains the right to decide whether you qualify for PPI services. You must meet the following requirements in order to be able to register and use Hitch Zone:

You are at least eighteen (18) years old, a citizen of India, an Indian resident, and an Indian tax resident (as defined by the applicable laws), and you are not a citizen of any other nation.

Under the relevant legislation, you are able to engage into a contract.

You have not falsified your identity, age, or any other pertinent information, nor have you impersonated any person or organization.

You have not falsified your identity, age, or any other pertinent information, nor have you impersonated any person or organization.

Note: Your parents or legal guardian who has registered on our platform may use our PPI services if you are a minor and would like to use them.

Hitch Zone reserves the right to immediately suspend, terminate, or permanently prohibit You from using Hitch Zone's services and to take any appropriate action under applicable laws if any violation is noticed or if we have reasonable suspicion that Your account is being used by someone who does not meet the eligibility requirements

We fully rely on your representation that you are qualified, and we will not be held responsible if you or anybody using your Hitch Zone account is determined to be ineligible. Furthermore, we retain the right to suspend or delete your Hitch Zone account indefinitely if we learn that banks, merchants, or other parties have filed fraud accusations against you or your account.

After meeting these requirements, you can sign up as a customer on our platform:

Provide Hitch Zone with specific personal information, such as your name, phone number, email address, birthdate, and Unique Identification Number (UIN). You might also be asked to provide vehicle information, such as a picture of the car with the FASTag attached, or any other paperwork we think appropriate for FASTag activation, in order for the tag to be issued.

Provide Hitch Zone with specific personal information, such as your name, phone number, email address, birthdate, and Unique Identification Number (UIN). You might also be asked to provide vehicle information, such as a picture of the car with the FASTag attached, or any other paperwork we think appropriate for FASTag activation, in order for the tag to be issued.

Additionally, you give Hitch Zone permission to conduct whatever inquiries we deem necessary to verify your identification and/or authenticate your account information, either directly or through third parties. This can entail requesting more details and/or supporting documents regarding the use or identity of your Hitch Zone account, as well as requiring you to provide KYC documentation, proof of ownership of your phone number, email address, or financial instruments, among other things, in order to verify your identity.

You promise that, to the best of your knowledge, the personal information you give Hitch Zone upon registration and at all other times will be truthful, accurate, current, and comprehensive. Hitch Zone shall not be held responsible if the information you supply is inaccurate, lacking, or out-of-date. It is your duty to notify Hitch Zone in situations where the data needs upgrading.

If any of the documents you have submitted change, you agree to update our records by sending us the new versions of the papers within 90 days of the change.

Hitch Zone will have the authority to automatically renew any add-on cards that are currently being used for transactions. You implicitly give Hitch Zone permission to automatically renew your add-on card by agreeing to the terms and conditions.

Permission to receive official notifications from Hitch Zone regarding the PPI Services on your registered email address or mobile number.

Permission to receive official notifications from Hitch Zone regarding the PPI Services on your registered email address or mobile number.

Be aware that depending on the Hitch Zone holder's assessment, Hitch Zone may, if judged essential, impose an alternative limit (one that is lower than the RBI-recommended limits).

You can sign up for Hitch Zone's PPI services via an enterprise-provided interface or straight from Hitch Zone's website or mobile application. These businesses will be connected to Hitch Zone as agents or as co-branding partners to help load and reload your PPI.

Under a single account, you might have several PPIs in various formats, such cards or wallets. Through a centralized database, the company will keep an eye on these limitations, and it retains the authority to impose restrictions at its own discretion.

Types and features of PPI

Small PPI (with cash loading facility)

Following your registration for the PPI, we shall notify you of its features via email, SMS, or other channel at the time of PPI issue or before to the initial money loading.

The same mobile number will not be used to issue a second PPI to the customer who registered for this one.

At the time of onboarding, you will need to supply a minimum of information, including your cellphone number (confirmed via OTP), your self-declaration of name, and the unique identification number of any needed documents or OVD.

Loading in these small PPIs will be restricted to no more than INR 10,000 per month and INR 1,20,000 in a year.

At any given time, the available amount in these PPIs cannot be more than INR 10,000.

Through our agents, you will be able to load or reload up to INR 10,000 each month using cash in these PPIs. You can make debit transactions in these PPIs up to a monthly value of INR 10,000.

These PPIs will prevent you from withdrawing cash or transferring funds to other accounts. Only when your PPI is being closed is it acceptable to move funds out of such an account. You will have the choice to return any unpaid balance in the PPI to the original source, which is the payment source from which the PPI was loaded.

As an alternative, if you meet the relevant KYC standards, you might also be allowed to move the remaining amount to a bank account.

Within 24 months of the PPI's issuance date, you will be obliged to convert such PPIs into Full-KYC PPIs "as defined in paragraph 5(iii)" by supplying the necessary KYC information and documents as may be needed by applicable legislation. You won't be allowed to receive any more credit in your PPI if you don't finish your KYC as required. You will be able to use the available amount in your PPI, nevertheless.

Following your registration for the PPI, we shall notify you of its features via email, SMS, or any other method at the time of PPI issue or before to the initial loading of money.

No additional PPI will be issued to the customer who registered for this PPI using the same mobile number.

At the time of onboarding, you will need to supply a minimum of information, including your cellphone number (confirmed via OTP), your self-declaration of name, and the unique identification number of any needed documents or OVD.

This PPI is reloadable and can be used to buy products and services from retailers. Such PPIs can only be loaded from a bank account, credit card, or Full-KYC PPI, if allowed.

A maximum of INR 10,000 per month and INR 1,20,000 in a fiscal year will be the loading limit in these small PPIs.

At any given time, the available amount in these PPIs cannot be more than INR 10,000.

You can make debit transactions in these PPIs up to a monthly value of INR 10,000.

Money transfers from these PPIs to other PPIs are not possible.

Only when your PPI is being closed is it acceptable to move funds out of such an account. You will have the choice to return any unpaid balance in the PPI to the original source, which is the payment source from which the PPI was loaded.

As an alternative, if you meet the relevant KYC standards, you might also be allowed to move the remaining amount to a bank account.

Following your registration for the PPI, we shall notify you of its features via email, SMS, or other channel at the time of PPI issue or before to the initial money loading.

In accordance with applicable regulations and Hitch Zone's KYC policy, you can also obtain a Full-KYC PPI or convert your current Small PPI into a Full-KYC PPI by submitting the necessary KYC papers.

If you would want to upgrade your PPI to Full-KYC PPI, you can utilize the mobile app or send us an email at support@hitchpayments.com.

You can load and reload these PPIs, and the total sum owed in them cannot ever be more than INR 2,00,000. Such PPIs can be loaded and reloaded with cash up to a monthly maximum of INR 50,000.

The maximum amount of money you can take from these PPIs is INR 2,000 per transaction, with a monthly cap of INR 10,000 per PPI across all channels (agents, ATMs, PoS devices, etc., as the case may be).

Following our verification, you will be allowed to move the money "back to source" (the payment source from which the Full-KYC PPI was loaded) or "to your own bank account".

By giving their bank account information or PPI details (given by Hitch Zone or any other issuer), you will have the option to register beneficiaries. The monthly amount of money transferred to each of these pre-registered recipients cannot be more than INR 2,00,000.

Depending on the PPI holder's risk category, Hitch Zone will set a restriction on the amount that can be transferred to pre-registered beneficiaries and back to the source or own bank account.

Unregistered beneficiaries' monthly fund transfer limitations will be limited to INR 10,000.

The purchase of goods and services using Full-KYC PPI is not subject to any additional restrictions.

The choice to close the PPI and transfer the available funds in accordance with the relevant PPI limits will be given to you. You could be prompted to supply information about your pre-designated bank account or other Hitch Zone-issued PPIs to which you would like to transfer the available funds in your PPI when Hitch Zone issues you the PPI.

If you have switched to Full-KYC with Aadhaar OTP-based e-KYC, you will only have INR 1,00,000 available in your PPI at any given moment and INR 2,00,000 available annually.

You affirm that you have not opened and will not use this mode to open any further accounts.

You will have to go through KYC within a year either via Biometric or V-CIP.

Following your registration for the PPI, we shall notify you of its features via email, SMS, or other channel at the time of PPI issue or before to the initial money loading.

Your Gift PPI's maximum value cannot be more than INR 10,000. Gift PPIs cannot be reloaded.

Fund transfers or cash withdrawals from Your Gift PPIs will not be allowed. After obtaining your agreement, the money could be moved "back to source account," which is the account from which Gift PPI was loaded.

Without going through an additional KYC procedure, you can buy such Gift PPI by debiting their bank accounts and/or credit cards.

As and when you request it, these PPIs will be revalidated, including by issuing a new PPI. At any given moment, you are not permitted to have more than 10 (10) Gift PPIs.

Your Hitch Zone wallet will be connected to your FASTag. Tolls, parking fees, and other automatic deductions will be made easier with the usage of this wallet.

Your PPI type (i.e., Small or Full KYC PPI) will determine the loading, reloading, and outstanding balance restrictions. The corresponding limits will be applied to the combined limit of your Hitch Zone and FASTag wallets.

Together with any other company or organization that will be a co-branding partner, you will receive these PPIs.

The agreement with the Enterprise will determine whether these co-branded PPIs are reloadable or not. As agreed upon between Hitch Zone and the Enterprise, these PPIs may take the shape of wallets or cards.

Furthermore, based on the use case and the product proposal that Hitch Zone and the Enterprise agreed upon, there might be limitations on the use of such co-branded PPI.

The restrictions on these PPIs will depend on the type of PPI that was given to you.

If you have any disagreements with these co-branded cards, you will need to use Hitch Zone's grievance redressal process.

Wallet PPI holders, often referred to as primary users, will receive add-on cards. If you specifically request it, you may be provided these for personal or corporate use.

Depending on the situation, you can give your child, dependant, or other user such an add-on card. The primary user's wallet is connected to the add-on card.

Every transaction made by the kid, dependant, or other user will be visible to the primary user, who will have full access rights. Additionally, the primary user has the ability to limit the use of the add-on card or set limits for such children or dependents.

By default, the limits for these add-on cards will be the same as the limits for the PPI types for which they were issued.

Only the primary user may file a grievance against an add-on card.

As a Full-KYC customer, you will receive PPI services that are interoperable. Two methods will be used to provide interoperability: Issuing network-powered cards, like Visa, Mastercard, and Rupay cards, that are compatible with EMV Chips and PINs. These cards allow users to use them at all locations that accept them, as well as through UPI for PPI-to-PPI transactions between Hitch Zone Account holders, PPI wallets, and merchants of other issuers.

While offering this interoperability feature, Hitch Zone will abide by the rules set forth by the NPCI and the specific card networks.

For your protection, Hitch Zone will first require you to create a password. Only when Hitch Zone or third-party platforms ask for the password to authenticate a transaction must it be entered.

For every wallet transaction, you will need to input your password or PIN.

We may implement suitable restrictions and checks to limit repeated unsuccessful attempts to log in or access Your PPI, inactivity, periodic timeouts, etc. for the safety and security of Your PPI.

As soon as a debit or credit transaction is made using your PPI, you will be notified. Following the completion of the transaction, the aforementioned alerts will additionally show the available amount in your PPI. You must notify us right once if the transaction was not carried out by you.

The ability to turn on and off your PPI card and set or change the transaction limits for various channels will be enabled.

You will be in charge of protecting your PPI and making sure that all procedures are followed for its safekeeping and approved use. You must keep the password private and not share it with anyone, either in writing or verbally. Hitch Zone will not be held liable for any claims, damages, or liabilities resulting from you disclosing private information about your Hitch Zone account to a third party and allowing unauthorized use of your account.

If you would want to report any illegal use or access to your account, you can do so by emailing support@hitchpayments.com, calling our 24-hour toll-free number, or using the direct link on our website or mobile application. The Customer Grievance Redressal Policy, which is accessible on Hitch Zone's website, outlines the comprehensive reporting process as well as Hitch Zone's liability and with regard to unauthorized payment activities.

When it comes to add-on cards, the principal user bears the final responsibility for security, confidentiality, and accountability. All activities and transactions carried out by the holder of add-on cards will be the primary user's responsibility. The primary user is responsible for making sure that the password, login credentials, and other private data pertaining to the PPI or add-on card are never compromised.

Your account will be considered non-transferable and will not be able to be sold. You agree that Hitch Zone will not be held accountable for or guarantee that access to the co-branding partner's platform, including any associated risks and expenses, or that the services will be delivered in an uninterrupted and error-free manner in the event that co-branded cards are used.

Your account will be considered non-transferable and will not be able to be sold. You agree that Hitch Zone will not be held accountable for or guarantee that access to the co-branding partner's platform, including any associated risks and expenses, or that the services will be delivered in an uninterrupted and error-free manner in the event that co-branded cards are used.

Modification of mobile number: You must notify us right away by calling our customer service number if you have misplaced your phone or SIM card. When our support representative receives such a request, they will ask you to provide certain information for validation.

After you have provided the necessary information, we will verify your information and, for security purposes, temporarily block your account.

After we have successfully verified the problem, we will unblock your account and set your new or alternate number as the primary PPI number. Please be aware that Hitch Zone will never contact, text, or email you to request anything like your PIN, login credentials, or personal or bank information.

You acknowledge that Hitch Zone will not be held liable for any losses resulting from disclosing such information to scammers. Therefore, we kindly ask that you refrain from disclosing any such information or clicking on any dubious or phishing websites.

Unless it is forfeited, cancelled, or relinquished, your PPI will be considered active and valid.

Your Full-KYC and Small PPIs will be valid indefinitely, both with and without a cash loading facility.

You can request that the available balance in the PPI be transferred to your source account, which is where your PPI is loaded, if you want to close or terminate your account.

The use of PPIs in the form of cards will continue until the card's stated validity or expiration date. Your PPI account will not, however, expire when your cards do.

The Gift PPI will remain valid for a year after it is issued. Any unused balance that has been in the PPI for longer than three years will be moved to the Profit and Loss Account at the end of that time, unless the customer claims it.

In the event that your PPI is about to expire, we will notify you via email, SMS, phone, notification, or any other correspondence at least 45 days before the expiration date.

The RBI has established restrictions that regulate the maximum amount that can be placed into the Hitch Zone Account. These include account balance limits, transaction limits, and monthly limits.

Hitch Zone may, at its discretion, place further restrictions on the amount of money you can deposit into your account in addition to the RBI rules. To learn more about constraints, please refer to our FAQ. These restrictions are subject to change at hitch zone’s sole discretion.

Money can be deposited into your account from a variety of funding sources. Cash, credit cards, debit cards, net banking, UPI, transfers from other Hitch Zone accounts, reloads by an enterprise, and so on are some examples of these sources.

Should your transaction prove to be unsatisfactory, the appropriate dispute resolution procedure will be used, which varies depending on the financing source.

If a deposit is later deemed invalid for any reason, you will be responsible for paying Hitch Zone the full amount of the deposit plus all associated fees. This implies that, in addition to any other liabilities, you will be liable for the deposit amount plus any associated fees in the event that you lose a chargeback or claim, or if the deposit is reversed.

The bank or the debit or credit card issuer will decide if the dispute is legitimate and who should be paid if the deposit's funding source owner later contests the deposit or submits a chargeback claim.

You consent to Hitch Zone deducting the balance from your hitch zone account in order to collect any such monies. You agree to pay Hitch Zone back in another way if there aren't enough money in your account to satisfy your liability. To the extent permitted by law, Hitch Zone may try to get in touch with you, try to collect the money from your other funding sources, or pursue other legal options to get the money back if it is unable to do so from your primary funding source.

The validity period specified in Section 6 above will apply to your PPIs.

If there is an outstanding balance in your PPI after the PPI has expired, you can ask us to start the process of refunding the remaining sum. After fulfilling the relevant KYC requirements, we shall transfer the aforementioned balance to the bank account you have connected or to any other bank account whose details you have provided at the time of initiating such a refund. The PPI shall be deemed inactive if you do not conduct any financial transactions on it for a period of one year in a row. In such instances, we shall notify you at least 11 months before the date to use any remaining funds in your PPI or to transact.

By calling our customer service number, +91-8093099750, from your registered mobile number, or by sending an email to support@hitchpayments.com, you can reactivate or renew your account. Upon receiving your request for reactivation, we will check your information according on the kind of PPI you have. We will restart your PPI after our verification process is complete. Hitch Zone retains the right to reject your request for reactivation if it does not pass the required verifications; we will notify you via email or phone of this

If we suspect that the available amount in your PPI is being or is likely to be used fraudulently, suspiciously, without authorization, or in any other unusual way based on past transaction activity or history and in accordance with our internal controls, we have the right to freeze, unfreeze, suspend, or lower the limits on your PPI. If necessary, we may also report your account and transaction details to the relevant regulator, government, or other agency.

If you breach this T&C agreement or any of the rules outlined here, or if we have cause to suspect that you have violated any of the rules outlined by the Government of India, we reserve the right to terminate your PPI.

We reserve the right, at our sole discretion, to cancel the instrument at any time without providing any prior warning or explanation, and to temporarily or permanently revoke the privileges associated with it. In the event of a temporary withdrawal, we may restore the privileges as we see fit. It is made quite clear, though, that the withdrawal—whether temporary or permanent—will automatically result in the loss of all associated privileges, perks, and services. Nevertheless, unless we specify otherwise, you will remain entirely responsible for all charges made on the Hitch Zone before such withdrawal, in addition to any other applicable costs thereon.

If you have complaints about any of the following, you can contact us for a resolution: Unauthorized electronic money transfers Inability to move funds from the PPI to your "own bank account" or "back to source" once the PPI has closed or expired, or unreasonable delay in doing so Problems relating to card management, login, passwords, and PINs Unreasonable delay or failure to credit the loaded monies in the PPI Amount deducted from your PPI, but the seller did not supply the goods or services Failure or delay in crediting your PPI in compliance with the terms and conditions of any applicable promotional offer Any other problems with our PPI or services You can consult the "Customer Grievance Redressal Policy" found at https://hitch.zone/ppc/grievance-policy/ for details on how to file a grievance, how long it will take to resolve it, customer service contact information, nodal officer information, and other grievance redressal-related topics.

Although the majority of Hitch Zone's PPI services are free, some transactions could incur a small fee to offset the expense. Before the transaction is started, these fees will be shown on the mobile application.

There may occasionally be changes to the applicable fees and charges. Customers and merchants will be informed of any modifications or adjustments to the fees and charges through the website and mobile application, or by having them prominently displayed throughout the transaction process.

The maximum issuance fee for FASTag PPI holders is ₹100 (Rupees One Hundred). If a PPI account is not utilized for a continuous twelve (12) months, it will be considered inactive. In these situations, Hitch Zone has the right, at its sole discretion, to impose an annual maintenance fee of ₹250 (Rupees Two Hundred and Fifty) plus the relevant GST. The charges will be subtracted from the available balance in the account, and Hitch Zone will send the account holder an email, SMS, or other suitable communication channel to inform them of the deduction.

By notifying the account user via SMS, email, or another appropriate method and asking them to complete at least one financial transaction within forty-five (45) days of the notice date, Hitch Zone will attempt to reactivate such dormant accounts. Hitch Zone retains the right, at its sole discretion, to permanently close the account without providing further notification if the account holder does not revive it within the allotted time. On an individual basis, such closure will be conducted in accordance with relevant laws, rules, and Hitch Zone's internal policies. The account holder expressly acknowledges and agrees to the imposition of maintenance fees, the need to reactivate dormant accounts, and the possibility of account deletion by agreeing to these terms and conditions.

The account holder is responsible for paying any taxes, fees, or charges that may be incurred by the government as a result of utilizing Hitch Zone services.

Cardholder transactions for specific merchant categories will be subject to surcharges as assessed by the retailers.

Hitch Zone will collect amounts owed by the account holder from the remaining balance in the account if they are not paid individually.

The terms and conditions posted on the partner's website and mobile application contain information on the fees and charges that clients onboarded through co-branding agreements must pay.

In the event that a transaction fails, is returned, is rejected, or is cancelled, you will be eligible for a refund in Your PPI, provided that the original payment for the refund was deducted from Your PPI. Even if it causes your PPI to exceed the allowed limitations, you will still be eligible for the refund.

Your PPI will not receive the refund if you paid for the transactions for which you are requesting a refund using another payment method. You have the option to pay merchants using the available amount in your PPI in return for products or services.

You may file a dispute with us if you are unhappy with the merchant's service or if you have not gotten the items or services that the seller promised. You can only contact us after you have first brought up your dispute with the merchant and have not received a resolution from them. Any such disagreement must be brought up within 30 days of the payment date.

If there are disagreements between the merchant and the Hitch Zone Account Holder, Hitch Zone shall be the exclusive arbiter. After we get the complaint, we will investigate it within seven working days. In order to assess the merits of your disagreement, we may ask you to provide further information as we see fit.

The merchant will reimburse the amount charged for the payment and credit the source if the dispute is determined to be legitimate. However, your payment will not be returned to your Hitch Zone account, and the disagreement will be closed, if the merchant wins the case. You hereby release the Company (as well as our officers, directors, agents, joint ventures, and employees) from any and all claims, demands, and damages (actual and consequential) of any kind and nature arising out of or in any way connected with any dispute you may have with one or more Hitch Zone users or Hitch Zone participating merchants regarding payment. Hitch Zone is not liable for any such dispute.

Hitch Zone is exclusively responsible for transaction processing services, and you understand and agree that this agreement is between you and Hitch Zone and not with any third party, including but not limited to Apple®, Google®, any mobile carrier, or any merchant (as defined above). You may enter into separate agreements with your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service provider (e.g., Airtel or Vodafone®), your mobile device operating system provider (e.g., Apple, Google, or Microsoft®), and other parties involved in providing your mobile device service that may govern your use of the other services.

"Covered Third Parties" include merchants as previously mentioned, third-party operating system providers like Apple, Google, and Microsoft, the manufacturer of your phone or other mobile device, your wireless carrier or other network provider, and any other company that offers goods or services associated with your mobile device service. By using the third-party services, you consent to abide by all applicable third-party terms of agreement. Third-party goods and services are not the company's responsibility, nor is it a party to those agreements. Note that Hitch Zone has made its application programming interface (API) available, so if you use a service that wasn't developed by Hitch Zone, you might be bound by agreements with third parties. We are not liable or accountable for Your usage of third party services.

If you decide to upgrade your small PPI to a full-KYC PPI, you can do so by submitting the necessary paperwork as specified by us and in compliance with the laws in effect. As allowed by the regulator, this procedure may also involve retrieving your KYC data via a variety of methods.

To finish your KYC, you can be given access to the following modes: V-CIP, or video-based customer identification process Agent-based biometric e-KYC (as and when enabled) e-KYC based on Aadhar OTP (where enabled) or as the RBI may occasionally recommend. By selecting the appropriate tab (of KYC modalities) on our website or mobile application, you can finish your KYC process.

In such cases, you consent to the terms of data sharing and give Hitch Zone permission to retrieve such data in accordance with this T&C. The regulator or regulators periodically define and revise the KYC requirements. You will be affected by all updates as they become available and if they are pertinent to your PPI. Only after we have sufficiently verified and reviewed it and in accordance with the relevant rules and guidelines will we give you the Full-KYC.

In such cases, you consent to the terms of data sharing and give Hitch Zone permission to retrieve such data in accordance with this T&C. The regulator or regulators periodically define and revise the KYC requirements. You will be affected by all updates as they become available and if they are pertinent to your PPI. Only after we have sufficiently verified and reviewed it and in accordance with the relevant rules and guidelines will we give you the Full-KYC.

Any communications that we share with you under this agreement will be considered received by you 24 hours after they are sent to the email address or mobile number you provided when you registered with us. If notice is not received promptly, we will not be held responsible.

You will have the ability to generate or receive account statements for the last six months or more, which will cover information like the date of the transaction, the amount that was debited or credited, the net balance, the description of the transaction, and more. Additionally, you will receive the transaction history for a minimum of five transactions. For the purposes of these T&Cs, we will not accept or deem legitimate any notices or communications that contain threats, intimidation, or harassment.

Any changes to your email address, registered address, phone number, or other information will be quickly sent to us, and we will take them into consideration after doing the necessary verification.

The owner of the Hitch Zone account is responsible for any transactions and associated fees. The owner of a Hitch Zone account acknowledges that Hitch Zone has granted him access to Hitch Zone at his desire and risk, and he takes full responsibility for all transactions made using his Hitch Zone.

An instruction sent using the Hitch Zone cannot be changed. In all cases, the Hitch Zone account holder is fully responsible for the use of the Hitch Zone, regardless of whether it was processed with his knowledge or inferred or explicit authority. The owner of a Hitch Zone account gives Hitch Zone the irrevocable right to debit his Hitch Zone account with the sums used for transactions. You promise not to pay for any illicit or unauthorized purposes using your Hitch Zone FASTag. According to transactions, the owner of a Hitch Zone account should hold Hitch Zone harmless and indemnified for its acts taken in good faith and during regular company operations.

Although Hitch Zone will make every attempt to complete the transactions, it will not be held accountable to the Hitch Zone account holder or to anyone else for any reason, including failure to complete a transaction or an instruction on time. Hitch Zone retains the right to impose fees or charges on the Hitch Zone account holder at any time for any transactions they have completed on the platform. The Tariff Annexure contains information about the appropriate fees and levies, which are subject to change. If the Hitch Zone Account Holder does not pay the amounts owed and payable separately, Hitch Zone will deduct them from the Available Amount.

Although Hitch Zone will make every attempt to complete the transactions, it will not be held accountable to the Hitch Zone account holder or to anyone else for any reason, including failure to complete a transaction or an instruction on time. Hitch Zone retains the right to impose fees or charges on the Hitch Zone account holder at any time for any transactions they have completed on the platform. The Tariff Annexure contains information about the appropriate fees and levies, which are subject to change. If the Hitch Zone Account Holder does not pay the amounts owed and payable separately, Hitch Zone will deduct them from the Available Amount.

Hitch Zone holds your account balances in an escrow account. In the case of bankruptcy, these monies are not made accessible to our creditors and are not utilized for any other company objectives, such as operational expenses. Hitch Zone will pool your funds with those of other users and place them in the escrow account under Hitch Zone's name while your monies are in our control.

As stated in the PPI Guidelines, Hitch Zone shall manage the escrow account in accordance with the relevant regulations.

Hitch Zone, its owner, licensee affiliates, subsidiaries, group companies (if applicable), and their respective officers, directors, agents, and employees have agreed to defend and indemnify Hitch Zone from and against any and all claims, costs, losses, damages, judgments, penalties, interest, and expenses (including reasonable attorneys' fees) made by any third party or resulting from any penalty imposed due to or arising out of Your violation of this T&C, Privacy Policy, and other Policies, or any law, rules, or regulations, or the rights (including intellectual property rights.

It is your personal risk and obligation to use and store your information on your computer, mobile device, or other device. The card number, PIN, password, account details, transaction history, wallet/card balances, and any other information would be examples of such data. You acknowledge that Hitch Zone will not be responsible for any claims that result from these situations. You acknowledge that you are aware of every security risk, including the potential for outside interference. You agree that Hitch Zone will not be held responsible for any claims resulting from or associated with security-related risks.

Hitch Zone will never be held responsible for any indirect, special, consequential, incidental, or punitive damages of any kind related to these terms and conditions, including but not limited to damages for any loss resulting from using or not using the company's services, whether due to negligence, contract law, or other causes.

Any incident that is outside of Hitch Zone's reasonable control is considered a force majeure event. Examples of such events include war, fire, floods, strikes, acts of God, riots, lockouts, and situations that prevent Hitch Zone from fulfilling its end of the bargain.

If a Force Majeure Event causes any of our responsibilities to be disrupted or delayed, we shall not be held responsible. In the event that the Force Majeure Event lasts for 365 days, unless otherwise communicated, this agreement between You and Hitch Zone shall immediately end. All overdue charges, fees, and dues must be paid to us right away.

Hitch Zone's responsibilities shall be halted in the case of a force majeure and will remain so until the Force Majeure continues.

Hitch Zone's failure to exercise any of our rights under this agreement does not imply a waiver of those rights or of any later or comparable breaches. A written waiver is the only way for it to take effect.

A one-time waiver will not be interpreted as a waiver of any similar rights or remedies on subsequent occasions.

Regarding any claims arising out of the services described in these T&Cs, you have one month from the day the cause of action for the disagreement occurred to file a claim or dispute. Claims submitted after the specified time frame will be deemed void and will be governed by the terms of limitation as mentioned under the Indian laws.

All brands, service marks, copyrights, and trademarks used in relation to our services will be regarded as intellectual property rights. Our domain will be the owner of all intellectual property rights resulting from domain names, the internet, geographic indications, displaying rights, distribution and selling rights, etc., or any other right permitted by applicable legislation. We provide protection for any content on our website and mobile applications, including pictures, graphics, and more. Everything on our app or website is for your personal, non-commercial use only.

By virtue of these terms and conditions, you consent to refrain from copying, republishing, uploading, or disseminating such content in any form, whether directly or indirectly, including via email or other electronic channels. Both parties acknowledge and agree that Hitch Zone or its respective licensors, as the case may be, will retain complete ownership, custody, and control of all intellectual property rights listed above, and that you will not be allowed to transfer any portion of them. You acknowledge and accept that you will bear full responsibility for any infringement of intellectual property rights.

Indian law will apply to these terms and conditions and/or transactions pertaining to the PPI services, and all Chennai courts will have sole jurisdiction over any claims or issues resulting from Hitch Zone use. Both parties agree that any disagreement, argument, or claim resulting from or connected to these terms and conditions will be resolved peacefully through mutual consultation and escalation as specified in these terms and conditions.

The dispute will be sent to arbitration in accordance with the Arbitration and Conciliation Act, 1996, if the claim is not resolved amicably as previously stated within 30 (thirty) calendar days. Chennai will serve as both the arbitration's location and seat. A judgment in any such action or proceeding may be enforced in other countries by suit on the judgment or in any other way permitted by the applicable law, according to the agreement of both parties. By accepting these terms and conditions, you acknowledge that we retain the right to deduct the fees of the arbitration process from the account that gave rise to the dispute.