1. Definitions

• "Service" refers to the Bharat E-Wallet digital payment system
• "User" or "Student" refers to enrolled students using the service
• "Vendor" refers to campus merchants accepting e-wallet payments
• "Institution" refers to the educational institution managing the service
• "Wallet" refers to the digital wallet associated with student accounts
• "Transaction" refers to any payment, top-up, or transfer using the service

2. Eligibility and Account Registration

2.1 Eligibility Requirements

• Must be a currently enrolled student of the institution
• Must provide valid student roll number and personal information
• Must be at least 18 years old or have parental consent
• Must agree to these Terms and Privacy Policy

2.2 Account Responsibilities

• Maintain accurate and up-to-date account information
• Keep login credentials and PIN secure and confidential
• Immediately report any unauthorized account access
• Comply with all institution policies and regulations

3. Wallet Operations and Transactions

3.1 Wallet Funding

• Add money through approved payment methods (UPI, cards, bank transfer)
• All top-ups are processed through secure payment gateways (Razorpay)
• Minimum and maximum top-up limits may apply
• Top-up transactions are final once processed

3.2 Making Payments

• Payments require valid 4-digit PIN authentication
• Sufficient wallet balance must be available
• Transactions are processed in real-time
• Daily and monthly spending limits apply

3.3 Transaction Limits

• Daily spending limit: ₹1,000 (adjustable by institution)
• Monthly spending limit: ₹10,000 (adjustable by institution)
• Single transaction limit: ₹500
• PIN attempts: Maximum 5 attempts before temporary lockout

4. PIN Security and Authentication

4.1 PIN Requirements

• Must set a unique 4-digit PIN for transaction authentication
• PIN must not be easily guessable (avoid 1234, birth year, etc.)
• PIN can be changed at any time through the app
• PIN is encrypted and securely stored

4.2 Security Measures

• Failed PIN attempts result in temporary account lockout
• Suspicious activity triggers additional security checks
• Regular security monitoring and fraud detection
• Immediate notification of security incidents

5. Vendor Transactions

5.1 Authorized Vendors

• Only institution-approved vendors can accept e-wallet payments
• Vendor transactions require QR code scanning or manual entry
• Transaction details are recorded for both parties
• Vendor commission is automatically deducted from transaction amount

5.2 Transaction Disputes

• Report transaction disputes within 24 hours
• Provide transaction ID and relevant details
• Institution mediates disputes between students and vendors
• Resolution timeframe: 3-5 business days

6. Prohibited Activities

• Sharing account credentials or PIN with others
• Using the service for illegal or unauthorized purposes
• Attempting to circumvent security measures
• Creating multiple accounts or fraudulent accounts
• Reverse engineering or tampering with the service
• Using automated systems to interact with the service
• Transferring funds to external accounts (if not permitted)
• Commercial use of student accounts

7. Service Availability and Modifications

7.1 Service Availability

• Service available 24/7 with periodic maintenance windows
• Scheduled maintenance communicated in advance
• Emergency maintenance may occur without notice
• No guarantee of uninterrupted service availability

7.2 Service Modifications

• Features and functionality may be updated or modified
• Terms may be updated with notice to users
• New features may require additional agreements
• Continued use implies acceptance of modifications

8. Fees and Charges

8.1 Transaction Fees

• No fees for wallet-to-vendor transactions
• Payment gateway fees may apply for top-ups
• Vendor commission: 2% of transaction amount
• No account maintenance fees

8.2 Fee Changes

• Fees may be modified with 30 days notice
• New fees require user acceptance
• Current fee structure available in the app

9. Data and Privacy

• Personal and transaction data handled per Privacy Policy
• Data shared with institution for administrative purposes
• Transaction history maintained for audit and compliance
• User consent required for data sharing beyond stated purposes

10. Limitation of Liability

• Service provided "as is" without warranties
• Institution not liable for indirect or consequential damages
• Liability limited to direct damages up to account balance
• User responsible for transaction verification
• Institution not liable for vendor disputes or service quality
• No liability for service interruptions or technical issues

11. Account Termination

11.1 User-Initiated Termination

• Students may request account closure
• Remaining balance refunded per institution policy
• Transaction history preserved for compliance
• Process requires identity verification

11.2 Institution-Initiated Termination

• Accounts closed upon graduation or enrollment termination
• Violations of terms may result in account suspension
• Fraudulent activity results in immediate termination
• Appeal process available for disputed terminations

12. Governing Law and Disputes

• Terms governed by laws of [Your State/Country]
• Disputes resolved through institution's internal process
• Arbitration required for unresolved disputes
• Legal venue: [Your City/State]

13. Contact Information

For questions about these Terms and Conditions:

• Email: hello@chitti.org
• Phone: +917287025149
• Office: IT Services Department, Administrative Block
• Hours: Monday to Friday, 9:00 AM - 5:00 PM