Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the FrontPay mobile application, website and related services (together, the "Platform"), operated by FRONTPAY DIGITAL PRIVATE LIMITED, a private limited company incorporated under the Companies Act, 2013 (CIN U74999WB2021PTC244920), having its registered office at V-Kulli Chowrasta, Near Maddrasa, PO-K, Murshidabad, West Bengal 742168 ("we", "us", "Company"). By registering, logging in or using the Platform you ("User", "Member") agree to these Terms. If you do not agree, do not use the Platform.

These Terms are an electronic record under the Information Technology Act, 2000 and the rules made under it, and are published in accordance with Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. They need no physical or digital signature.

1. Nature of the service

FrontPay is a business-to-business (B2B) utility service platform for retail agents. It lets registered Retailers, Distributors and Master Distributors (together, "Members") buy prepaid mobile recharges, DTH recharges and bill payments for their walk-in customers using a prepaid business balance ("Wallet"). Recharges and bill payments are fulfilled through authorised third-party aggregators and operators. We are a facilitator, not the telecom operator, DTH operator or biller.

2. Eligibility & registration

• You must be at least 18 years old and competent to contract under the Indian Contract Act, 1872.
• You must register with your own mobile number, verified by one-time password (OTP), and give true, complete and current details: name, shop/firm name, address, PAN and Aadhaar or other KYC documents when asked.
• Self-registered accounts are created as Retailers. Distributor and Master Distributor accounts are created only by the Company.
• One person or business may hold only one account, unless we approve otherwise in writing.
• We may refuse, suspend or close any registration at our discretion, especially where KYC is incomplete, false or suspicious.

3. Account security

• Access is protected by OTP verification and a 4-digit PIN tied to your registered device. The PIN also authorises every wallet transaction.
• You are fully responsible for keeping your PIN, OTP and device secure, and for all transactions done using your PIN. Never share your PIN or OTP with anyone, including people claiming to be our staff. We will never ask for them.
• Tell support at once if you suspect unauthorised use. We will block the account on request, but we are not liable for transactions completed before we were told.
• For security, repeated wrong PIN entries log you out and require fresh OTP verification. We may also log out other devices when you log in on a new one.

4. Wallet (business balance)

• The Wallet is a closed-system prepaid business balance. It can be used only to buy services on the Platform. It does not allow cash withdrawal, third-party payments, or transfers outside the Member's authorised network. It is not a bank account or deposit, earns no interest, and is not a Prepaid Payment Instrument issued under the Payment and Settlement Systems Act, 2007.
• Loading money: Members load the Wallet by paying through UPI or QR to the Company's listed account and submitting the UTR or reference number. The balance is credited after we verify the payment. A wrong, duplicate or fake UTR will be rejected, and fraudulent claims may be reported to the authorities.
• Fund transfer: Master Distributors may transfer balance to Distributors and Retailers in their own network, and Distributors to their own Retailers. Transfers are final once completed. Settle any dispute between Members directly. The Company is not a party to commercial arrangements between Members.
• Withdrawal / settlement: Distributors and Master Distributors may ask to settle unused Wallet balance to a bank account in their own name, subject to the minimum/maximum limits shown in the app, KYC, and verification. The amount is held from the Wallet on request, paid by bank transfer (usually within 1–3 working days), or returned to the Wallet if rejected. Retailers' unused balance is settled only on account closure, after verification.
• We may set, change or withdraw transaction limits, and may hold, freeze or reverse amounts where we reasonably suspect error, fraud, chargeback or legal non-compliance, or where a court or competent authority directs it.
• Any balance credited to you by mistake (system error, duplicate credit, failed reversal) remains our property. We may debit it from the Wallet without notice.

5. Recharges & bill payments

• You must enter the correct mobile number, subscriber ID, consumer number, operator, circle and amount. Plans, offers and operator or circle detection shown in the app come from third-party data and are for convenience only. Always check with the customer before paying. Operators may change plans without notice.
• A transaction may show as Success, Pending or Failed. Failed transactions are refunded to the Wallet automatically. Pending transactions are resolved by the operator, normally within 72 hours. See the Cancellation & Refund Policy.
• A successful recharge or bill payment to a wrong number or account, or for the wrong amount, entered by the Member cannot be cancelled or reversed.
• You must not charge your customer more than the recharge or bill amount plus any lawful service charge you clearly disclose to them.

6. Commission, charges & taxes

• Members earn commission at the rates shown in the app's Commission Chart. Rates may be changed by the Company at any time, and changes apply to transactions made afterwards.
• Commission is credited on successful transactions only, and is reversed if a transaction is later refunded or reversed by the operator.
• Applicable taxes, including GST under the CGST/SGST/IGST Acts, 2017, and TDS under the Income-tax Act, 1961 (for example Section 194H on commission, where applicable), will be charged or deducted as required by law. Members are responsible for their own tax compliance, GST registration where required, and keeping records of their earnings.

7. Prohibited use

You must not:

• use the Platform for any unlawful purpose, money laundering, terrorist financing, or to route proceeds of crime (Prevention of Money-Laundering Act, 2002)
• submit fake or borrowed identity documents, or open accounts for other people
• make false top-up claims, reuse UTRs, or raise false disputes
• resell or share your login, or run automated scripts or bots against the Platform
• reverse-engineer, decompile, scrape, overload, or attempt unauthorised access to the Platform, its APIs or other accounts (sections 43 and 66 of the IT Act, 2000)
• host, display or share content that is unlawful, defamatory, obscene, infringing, misleading or harmful, as described in Rule 3(1)(b) of the IT (Intermediary Guidelines) Rules, 2021

Breach may lead to immediate suspension, a freeze on Wallet balance pending investigation, recovery of losses, and reporting to law enforcement or the Financial Intelligence Unit – India.

8. Suspension & termination

We may suspend or close any account, with or without notice, for breach of these Terms, incomplete KYC, suspected fraud, inactivity of over 12 months, or a legal requirement. On closure, any remaining verified Wallet balance, less amounts due to us, will be settled to the Member's KYC-verified bank account in their own name after investigation and any statutory holds. You may close your account by writing to support.

9. Intellectual property

The FrontPay name, logo, app, software and content belong to the Company or its licensors and are protected under the Copyright Act, 1957 and the Trade Marks Act, 1999. Operator names and logos belong to their respective owners and are used only to identify their services.

10. Limitation of liability

To the maximum extent permitted by law, the Company is not liable for indirect, incidental, special or consequential losses, loss of profit or business, or for delays or failures caused by operators, billers, banks, aggregators, telecom networks, power failure, or force majeure events (natural calamity, epidemic, war, government action, strikes, network outages). Our total liability for any claim is limited to the amount of the specific transaction in dispute.

11. Indemnity

You agree to indemnify and hold harmless the Company, its directors, employees and partners against all claims, losses, penalties and costs arising from your breach of these Terms or of any law, your dealings with your customers or downline Members, or misuse of your account.

12. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted here with a new "Last updated" date and, for material changes, notified in the app. If you keep using the Platform after a change, you accept the updated Terms.

13. Governing law, disputes & jurisdiction

These Terms are governed by the laws of India. Raise any dispute first through the Grievance Redressal process. Disputes not resolved within 30 days shall be referred to arbitration by a sole arbitrator appointed by the Company under the Arbitration and Conciliation Act, 1996, seated at Berhampore, Murshidabad, West Bengal, in English. Subject to this, the courts at Murshidabad, West Bengal have exclusive jurisdiction. Nothing here limits any non-waivable right under the Consumer Protection Act, 2019.

14. Severability & entire agreement

If any provision is held invalid, the rest continue in force. These Terms, together with the Privacy Policy, Cancellation & Refund Policy, Disclaimer, KYC & AML Policy and Grievance Redressal policy, form the entire agreement between you and the Company about the Platform.

Contact