Go anywhere with Zeropik

1.1 Services

Zeropik is intended to provide a digital platform through which users may access or initiate services such as auto/taxi booking, mobile recharge, bus booking, cinema ticket booking, electricity bill payment, FASTag services, UPI/card/net-banking payment facilities, train-ticket related services, municipal bill payment, water bill payment, gas bill payment, loan EMI payment, insurance premium payment and other services that may be introduced from time to time.

Availability of a particular service may depend on the relevant third-party provider, geographic area, technical availability, eligibility, applicable law and other conditions.

1.2 User Account

• Users must provide accurate and current information when registering or using services.
• Users are responsible for keeping their login credentials, OTPs and account information secure.
• Users must not permit unauthorized persons to use their account.
• Zeropik may suspend or restrict an account where there is suspected fraud, misuse, unlawful activity, security risk or violation of these Terms.

1.3 Bookings, Bills, Recharge and Payments

Where Zeropik facilitates a booking, recharge, bill payment, ticket purchase, premium payment, EMI payment or similar transaction, the transaction may be processed through third-party service providers, payment gateways, banks, merchants, transport operators, insurers, billers or other partners.

The user is responsible for checking transaction details, beneficiary/customer information, amount, date, booking details and other relevant information before confirming a transaction.

A transaction may fail, be delayed, reversed or remain pending because of network problems, bank/payment-gateway issues, service-provider downtime, incorrect information, insufficient funds, regulatory restrictions or other circumstances outside Zeropik’s reasonable control.

1.4 Third-Party Services

Zeropik may integrate or provide access to third-party services. Such third parties may have their own terms, privacy policies, fees and cancellation/refund rules. Users should review the applicable third-party terms where relevant.

1.5 Location

Zeropik may request location permission to provide location-based functionality, including relevant booking, service discovery, navigation, safety, fraud-prevention or other features. Location access will be used according to the Privacy Policy and the permissions granted by the user.

1.6 Camera, Photos and Documents

Zeropik may request camera/photo/document access where needed for account verification, service requests, ticket/document upload, support or other app functionality. Users should upload only documents and images they are authorized to provide.

1.7 Prohibited Use

• Using Zeropik for unlawful, fraudulent or deceptive activities.
• Providing false, misleading or unauthorized information.
• Attempting to interfere with, reverse engineer, disrupt or gain unauthorized access to the app or its systems.
• Using another person's payment instrument, account or identity without authorization.
• Uploading malicious, unlawful or infringing content.

1.8 Intellectual Property

Subject to applicable law, the Zeropik name, branding, software, interface, text, graphics and other original materials are owned by or licensed to Zeropik and may not be copied, modified, distributed or commercially exploited without authorization.

1.9 Fees

Some services may involve service charges, convenience fees, gateway charges, partner charges, taxes or other applicable amounts. Any applicable charge should be displayed or communicated before confirmation where reasonably practicable.

1.10 Cancellation and Refunds

Cancellation and refund eligibility depends on the particular service and the applicable provider’s rules. Where a third-party operator or biller controls cancellation/refund, Zeropik may assist the user but cannot guarantee a refund that the provider does not authorize.

1.11 Disclaimer

Zeropik is a technology platform/facilitation service and does not necessarily own, operate or control every third-party service accessible through the app. Except where prohibited by law, Zeropik does not guarantee uninterrupted availability, exact travel schedules, third-party inventory, ticket availability, bank processing times or uninterrupted operation of external services.

1.12 Limitation of Liability

To the extent permitted by applicable law, Zeropik will not be liable for indirect, incidental, special or consequential losses arising from third-party service failures, network outages, incorrect information supplied by users, payment-provider failures or events beyond Zeropik’s reasonable control.

1.13 Changes

Zeropik may update these Terms when services, laws or business practices change. Updated Terms will be made available through the app or website. Continued use after an update may constitute acceptance to the extent permitted by law.

1.14 Governing Law

These Terms are intended to be governed by the laws applicable in India. Any dispute will be subject to the jurisdiction of competent courts/authorities as applicable, with Dhule, Maharashtra as the intended jurisdiction subject to applicable law.

2.1 Information We May Collect

2.2 How We Use Information

• To create and maintain user accounts.
• To provide bookings, recharges, bill payments, ticketing and other requested services.
• To process and confirm transactions.
• To communicate OTPs, confirmations, alerts, support responses and service updates.
• To provide location-based features when permission is granted.
• To verify information and prevent fraud, abuse and unauthorized transactions.
• To troubleshoot, secure and improve the app.
• To comply with applicable legal, regulatory, tax, accounting and law-enforcement requirements.

2.3 Consent and Permissions

Where required, Zeropik will request relevant permissions and/or consent. Users can manage certain permissions through their device settings. Withdrawing a permission may prevent some features from working.

Privacy notices and consent requests should be presented in clear language and should identify the data being collected and the purpose for processing, consistent with applicable law.

2.4 Sharing and Disclosure

Zeropik may share necessary information with service providers and partners only to the extent reasonably required to provide requested services, process transactions, maintain security, comply with law or perform business operations:

• Payment gateways, banks and financial/payment service providers.
• Transport, ticketing, booking, recharge and bill-payment partners.
• Cloud hosting, analytics, customer-support, security and technology service providers, where used.
• Government, law-enforcement or regulatory authorities when disclosure is required or permitted by law.

2.5 Payment Information

Payment details may be processed by payment gateways, banks or other authorized payment providers. Zeropik may receive transaction status, reference numbers and limited information necessary to reconcile and support a transaction. Users should never share UPI PINs, card PINs, OTPs or passwords with Zeropik personnel.

2.6 Data Security

Zeropik intends to use reasonable technical and organizational safeguards appropriate to the nature of the information, including access controls, secure transmission and protection against unauthorized access, alteration, disclosure or destruction. No internet system can be guaranteed to be completely secure.

2.7 Data Retention

Zeropik will retain personal information only for as long as reasonably necessary for the purposes described in this policy, service delivery, dispute resolution, fraud prevention, accounting, taxation, legal/regulatory requirements and other legitimate purposes.

2.8 Account and Data Deletion

Users may request account/data deletion by contacting zeropikpvtltd@gmail.com. Where the app permits account creation, Zeropik provides an in-app deletion option and an external web-based deletion request mechanism at zeropik.com. Certain information may need to be retained where required for legal compliance, fraud prevention, security, financial records or other lawful purposes.

2.9 Children

Zeropik is not intended to knowingly collect personal information from children in circumstances where parental consent is legally required. If a parent/guardian believes that a child has provided personal information improperly, they may contact Zeropik at the email below.

2.10 Changes to Privacy Policy

Zeropik may update this Privacy Policy from time to time. The updated version will be made available through the app or website, with an updated effective date.

3.1 User-Initiated Cancellation

Where cancellation is available, users should cancel through the app or the relevant service-provider process as early as possible. Cancellation may be unavailable or may attract charges after a booking reaches a particular stage.

3.2 Third-Party Rules

For bus/train/cinema/taxi/property/insurance/biller and similar services, the third-party provider’s cancellation rules may apply. Zeropik will communicate or display available cancellation information where reasonably practicable.

3.3 Failed Transactions

If an amount is debited but the requested transaction is not successfully completed, the transaction will be handled according to the payment provider/bank/biller reconciliation process. Users should retain transaction/reference information when contacting support.

4.1 General Principles

• Eligible refunds may be initiated after confirmation of cancellation, failed transaction or other qualifying event.
• Refunds may be returned through the original payment method or another lawful method supported by the payment provider.
• Bank/payment-provider processing times may vary.
• Convenience/service charges may be non-refundable where lawfully disclosed and permitted.
• Duplicate or erroneous debits will be investigated using transaction/reference details.

4.2 Service-Specific Refunds

Train, bus and cinema tickets, travel bookings, property-related bookings, insurance premiums, bill payments, FASTag, recharge and other services may have different refund rules. The applicable service-provider terms will govern where appropriate.

4.3 Fraudulent or Unauthorized Transactions

Users should promptly report suspected unauthorized transactions to Zeropik and the relevant bank/payment provider. Zeropik may require transaction information to investigate.

• Service availability may vary by location, provider, network and eligibility.
• Third-party prices, schedules, inventory, policies and availability may change without notice.
• Zeropik does not guarantee that every service will always be available or error-free.
• Users are responsible for reviewing transaction details before confirmation.
• Third-party products and services may be subject to separate terms and privacy policies.
• Nothing in this Disclaimer is intended to exclude any liability or consumer right that cannot lawfully be excluded.