📜 Terms & Conditions for DhwaniPay

Last Updated: August 2026

Welcome to DhwaniPay, a voice-based UPI payment notification and financial-service facilitation application operated by Mr Fincare Payment Solutions (“Company”, “we”, “our”, or “us”).

These Terms & Conditions (“Terms”) govern your access to and use of the DhwaniPay mobile application available on Android devices.

By downloading, installing, accessing, or using DhwaniPay, you agree to comply with and be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, please discontinue use of DhwaniPay.

🤝 1. Acceptance of Terms

By using DhwaniPay, you confirm that:

• You have read and understood these Terms.
• You agree to comply with these Terms and our Privacy Policy.
• You understand how the application uses permissions required to provide its services.
• You provide accurate information when requested.
• You accept applicable updates to these Terms when published.

These Terms apply to both free and premium users and to users who access any loan facilitation services made available through DhwaniPay.

📱 2. Description of Service

DhwaniPay provides voice alert notifications for UPI payment transactions received through supported Indian payment applications and SMS, where applicable permissions are enabled.

Key features may include:

• Real-time voice alerts for UPI payments
• Reading supported payment-related SMS for payment alerts
• Support for multiple Indian UPI applications
• Multi-language voice announcements
• Transaction history and analytics
• Customizable alert settings
• Local data storage
• Premium subscription features
• Loan facilitation services through registered lending partners, where available

DhwaniPay is a notification and service-facilitation application.

DhwaniPay is not itself a payment processor, bank, UPI app, or lender unless expressly stated otherwise.

👤 3. Eligibility

You must be at least 18 years old to use DhwaniPay.

The application is intended for business users, shopkeepers, individuals who accept UPI payments, and other eligible users.

To use loan facilitation services, you must additionally meet any eligibility requirements imposed by the relevant lending partner and applicable law.

By using DhwaniPay, you represent that:

• You are legally capable of entering into these Terms.
• The information you provide is accurate.
• You will use the application lawfully.
• You will not misuse the application.

⚙️ 4. License Grant and Restrictions

4.1 License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to use DhwaniPay for your personal or business use, subject to these Terms.

4.2 Restrictions

You agree NOT to:

• Modify, reverse engineer, decompile, or disassemble the application.
• Remove copyright or proprietary notices.
• Use the application for illegal or unauthorized purposes.
• Attempt to gain unauthorized access to systems or networks.
• Interfere with or disrupt application operation.
• Introduce viruses, malware, or malicious code.
• Circumvent application security measures.
• Resell or commercially exploit the application without authorization.
• Use DhwaniPay to submit fraudulent loan applications.
• Provide false or misleading information during a loan application.
• Impersonate another person.
• Misuse another person’s personal or financial information.

🛡️ 5. User Responsibilities

5.1 Device Requirements

You are responsible for:

• Maintaining a compatible Android device.
• Ensuring the required permissions are enabled.
• Keeping the application updated.
• Maintaining reasonable security of your device.
• Maintaining an internet connection where required.
• Ensuring that your device permits the application to operate correctly.

5.2 Notification Listener and SMS Permission

DhwaniPay may require Notification Listener and SMS permissions to read supported UPI/payment notifications.

You acknowledge that:

• These permissions are necessary for certain application functionality.
• We process relevant notification information to provide payment alerts.
• You may revoke these permissions through Android settings.
• Revoking required permissions may prevent certain features from functioning.

5.3 Data Accuracy

While we strive for accuracy, you acknowledge that:

• Voice alerts depend on information received from supported UPI applications and payment-related SMS.
• We are not responsible for inaccuracies contained in source notifications.
• Device manufacturers, Android versions, battery optimization, network conditions, TTS engines, and third-party applications may affect alert delivery.
• You should verify important transactions directly within your UPI/payment application.
• DhwaniPay is a notification tool and not a payment verification system.

5.4 Loan Facilitation Services

DhwaniPay may facilitate access to loan products offered by banks, NBFCs, and other registered lending partners.

Where applicable, Mr Fincare Payment Solutions acts as a Loan Service Provider (LSP) or loan facilitation/service provider.

Our role may include:

• Collecting information required for the loan application
• Facilitating the application process
• Connecting users with lending partners
• Sharing relevant application information with lending partners
• Facilitating communications
• Providing application-related support

We are not the lender unless expressly stated otherwise.

5.5 Lending Partner Approval

All loans are subject to the independent approval and assessment of the relevant lending partner.

The lending partner may evaluate your application based on:

• Eligibility criteria
• Income
• Credit profile
• Verification
• Underwriting criteria
• Internal policies
• Risk assessment
• Regulatory requirements
• Other criteria determined by the lending partner

We do not guarantee that any loan application will be approved, sanctioned, or disbursed.

Submitting an application through DhwaniPay does not create an entitlement to receive a loan.

5.6 Lending Partners

DhwaniPay may facilitate loan applications with registered lending partners with whom we have an arrangement. Some lending partners may include:

• Lendingkart
• Axis Bank
• IDFC FIRST Bank
• Tata Capital
• WeRize
• Aditya Birla Capital

The list may change from time to time.

The availability of a lending partner does not guarantee your eligibility for any loan product offered by that partner.

5.7 Loan Application Information

During a loan application, you may be required to provide information such as:

• PAN details
• Aadhaar-related information where lawfully required
• Income information
• Age
• Gender
• Mobile number
• Contact information
• Address
• Pincode
• Employment or business information
• Loan requirement information
• Other information reasonably required for the applicable loan product

You agree that all information provided by you must be accurate, complete, current, and not misleading.

5.8 Consent to Share Loan Information

By voluntarily proceeding with the loan application and providing the applicable consent, you authorize the sharing of relevant application information with appropriate registered lending partners for purposes including:

• Processing your application
• Eligibility assessment
• KYC
• Verification
• Credit assessment
• Underwriting
• Loan offers
• Loan approval or rejection
• Loan documentation
• Disbursement, where approved
• Related regulatory requirements

The lending partner may independently request additional information or documentation.

5.9 No Guarantee of Loan Approval or Disbursement

DhwaniPay does not guarantee:

• Loan approval
• Loan sanction
• Loan disbursement
• Loan amount
• Interest rate
• APR
• EMI
• Tenure
• Processing time
• Disbursement time
• Eligibility
• Any particular lender
• Any particular loan terms

The final decision belongs solely to the relevant lending partner.

5.10 Loan Amount, Interest Rate and Tenure

We do not promise or guarantee any particular:

• Loan amount
• Interest rate
• APR
• EMI
• Loan tenure
• Processing fee
• Other charges
• Repayment schedule
• Approval period
• Disbursement period

The final terms will be determined by the relevant lending partner and provided in the applicable loan documentation.

5.11 Loan Calculator

Any loan calculator, EMI calculator, estimated repayment amount, interest calculation, loan amount, tenure, or other figure shown in DhwaniPay is provided solely for illustration.

These calculations:

• Are estimates
• May differ from the final loan terms
• Are not loan offers
• Are not sanction letters
• Do not constitute a commitment
• Do not guarantee approval or disbursement

The actual terms provided by the relevant lending partner will prevail.

5.12 Loan Consultancy / Service Fee

Where permitted by applicable law, regulatory requirements, and the applicable lending-partner arrangement, a consultancy or service fee may apply for loan facilitation services.

Any applicable fee will be disclosed to you before the relevant transaction.

Payment of a fee does not guarantee:

• Loan approval
• Loan sanction
• Loan disbursement
• Loan amount
• Interest rate
• Tenure
• EMI

Where applicable RBI or other regulatory requirements specify that an LSP fee must be paid by the regulated entity rather than directly by the borrower, those requirements will prevail.

5.13 Independent Relationship with Lending Partners

If your application is accepted by a lending partner, the lending relationship will be between you and the relevant lending partner.

The lending partner may provide:

• Key Fact Statement (KFS)
• Loan offer
• Sanction letter
• Loan agreement
• Repayment schedule
• Interest-rate information
• APR information
• Fee and charge information
• Grievance-redressal information
• Other legally required documents

You are responsible for reviewing these documents before accepting any loan.

5.14 No Guarantee of Lender Communication

DhwaniPay may facilitate communication or application transmission, but we cannot guarantee the timing, content, availability, or response of any lending partner.

Once an application is transmitted to a lending partner, that lending partner may independently communicate with you.

5.15 User Responsibility for Loan Information

You are responsible for ensuring that:

• The information submitted is accurate.
• You have authority to provide the information.
• You do not submit another person’s information without appropriate authorization.
• Documents submitted belong to you or are lawfully provided.
• You do not manipulate or falsify information.
• You promptly inform the relevant parties if submitted information is materially incorrect.

Providing false or misleading information may result in rejection of your application or other action by the relevant lending partner or us where appropriate.

⭐ 6. Premium Subscription

6.1 Premium Tier

Premium features may include:

• Unlimited voice alerts
• Cash book
• Cash-flow details
• Transaction search and filtering
• Priority customer support
• Ad-free experience
• QR generator
• Other premium features introduced from time to time

6.2 Subscription Terms

Premium subscriptions may be offered on a monthly or other recurring basis as displayed in the application.

Subscriptions may auto-renew according to the applicable payment provider’s terms unless cancelled before renewal.

Pricing is displayed in the application and may change with appropriate notice.

Payment processing may be handled through applicable payment gateway, app-store, or payment partners.

6.3 Cancellation

You may cancel your premium subscription through the applicable subscription-management functionality.

Cancellation normally takes effect at the end of the current billing period unless the applicable payment provider’s terms provide otherwise.

6.4 Refund Policy

Unless otherwise required by applicable law or the applicable payment provider’s mandatory policies:

• Subscription purchases are generally non-refundable for partially used billing periods.
• Refunds may be considered where technical issues materially prevent use of the service.
• Refund requests should be submitted to contact@dhwanipay.com.
• Refund requests should include relevant transaction details and an explanation of the issue.
• Refund decisions will be handled according to applicable law and the applicable payment provider’s policies.

©️ 7. Intellectual Property

All content, features, and functionality of DhwaniPay, including but not limited to:

• Software code
• Algorithms
• Architecture
• User interface
• Graphics
• Text
• Images
• Logos
• Branding
• Audio files
• Voice synthesis functionality

are owned by or licensed to Mr Fincare Payment Solutions and are protected by applicable intellectual property laws.

You may not reproduce, modify, distribute, sell, license, or commercially exploit DhwaniPay’s intellectual property without written authorization.

🔗 8. Third-Party Services

DhwaniPay may integrate with third-party services including:

• UPI/payment applications
• Google Firebase
• Android Text-to-Speech
• Payment gateways
• Google Play
• Banks
• NBFCs
• Registered lending partners
• Other service providers

We are not responsible for the availability, content, policies, or practices of independent third-party services.

Your use of third-party services may be subject to their respective terms and privacy policies.

⚠️ 9. Disclaimers

9.1 General Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DHWANIPAY IS PROVIDED “AS IS” AND “AS AVAILABLE”.

We do not guarantee that the application will always be:

• Available
• Uninterrupted
• Error-free
• Compatible with every device
• Compatible with every UPI application
• Free from technical issues

9.2 Payment Alert Disclaimer

DhwaniPay is a payment notification tool. It is not:

• A bank
• A payment processor
• A UPI service provider
• A payment verification system
• A replacement for your bank or UPI application

Always verify important transactions directly through the relevant UPI or banking application.

We are not responsible for missed, delayed, duplicated, incorrect, or inaccurate notifications caused by:

• Third-party applications
• SMS delivery
• Device settings
• Android restrictions
• Battery optimization
• Network failures
• TTS issues
• Device compatibility
• Operating-system changes
• Other circumstances outside our reasonable control

9.3 Loan Disclaimer

DhwaniPay is a facilitator/LSP where applicable and does not guarantee any loan.

We do not guarantee:

• Approval
• Sanction
• Disbursement
• Loan amount
• Interest rate
• APR
• EMI
• Tenure
• Fees
• Charges
• Eligibility
• Processing time
• Disbursement time

Any loan decision is made independently by the relevant lending partner.

Any loan calculator or estimated figure displayed by DhwaniPay is illustrative only.

The final terms contained in the lending partner’s applicable loan documentation will prevail.

⚖️ 10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MR FINCARE PAYMENT SOLUTIONS SHALL NOT BE LIABLE FOR:

• Indirect damages
• Incidental damages
• Special damages
• Consequential damages
• Punitive damages
• Loss of profits
• Loss of revenue
• Loss of business opportunities
• Loss of data resulting from circumstances outside our reasonable control
• Missed or delayed payment notifications
• Errors originating from third-party UPI/payment applications
• Third-party service failures
• Lending-partner decisions
• Loan rejection
• Loan approval delays
• Loan disbursement delays
• Loan terms determined by lending partners
• Device-related problems
• Unauthorized access resulting from circumstances outside our reasonable control

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

To the maximum extent permitted by applicable law, our total liability arising from your use of premium DhwaniPay services shall not exceed the amount actually paid by you for the relevant premium service during the twelve months preceding the event giving rise to the claim.

🛡️ 11. Indemnification

You agree to indemnify and hold harmless Mr Fincare Payment Solutions, its officers, directors, employees, contractors, agents, and service providers from claims, damages, losses, liabilities, costs, and expenses arising from:

• Your misuse of DhwaniPay
• Your violation of these Terms
• Your violation of our Privacy Policy
• Your submission of false or misleading information
• Your violation of third-party rights
• Your unlawful use of the application
• Your violation of applicable laws
• Fraudulent activity associated with your account

🔄 12. Modifications to Service and Terms

12.1 Service Modifications

We reserve the right to:

• Modify the application
• Add features
• Remove features
• Modify premium features
• Modify supported UPI applications
• Modify subscription plans
• Change pricing
• Suspend functionality
• Discontinue features
• Modify loan-partner availability

12.2 Loan Partner Modifications

The list of available lending partners and loan products may change from time to time.

We do not guarantee that a particular lending partner or loan product will remain available.

12.3 Terms Updates

We may update these Terms from time to time.

Changes may become effective upon publication unless applicable law requires otherwise.

Material changes may be communicated through:

• In-app notification
• Updated Terms & Conditions
• Other reasonable communication methods

Your continued use of DhwaniPay after applicable changes become effective constitutes acceptance of the updated Terms to the extent permitted by law.

🚫 13. Termination

We may suspend or terminate access to DhwaniPay where reasonably necessary, including for:

• Violation of these Terms
• Fraudulent activity
• Illegal activity
• Abuse of the application
• Abuse of support personnel
• Unauthorized use
• Security concerns
• Non-payment of premium subscription
• Misuse of loan facilitation services
• Submission of fraudulent loan information

You may terminate your account by using the available account-deletion functionality.

Certain provisions of these Terms may survive termination where required by their nature.

🇮🇳 14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, subject to applicable consumer-protection, data-protection, financial-services, and other mandatory laws.

Subject to applicable law, disputes arising from these Terms or your use of DhwaniPay shall be subject to the jurisdiction of the competent courts in Bengaluru, Karnataka, India.

Nothing in these Terms limits any statutory rights or remedies available to consumers under applicable law.

🤝 15. Dispute Resolution

Before initiating legal proceedings, you are encouraged to contact us at: contact@dhwanipay.com

We will make reasonable efforts to review and resolve complaints and disputes.

Where legally permissible and mutually applicable, disputes may be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996.

Nothing in this clause prevents a user from approaching a statutory authority, regulator, consumer forum, court, or other authority where such right cannot legally be waived.

For loan-related complaints, you may also use the grievance-redressal mechanism provided by the relevant lending partner and the applicable regulatory framework.

📌 16. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or removed to the minimum extent necessary.

The remaining provisions shall continue in full force and effect.

📄 17. Entire Agreement

These Terms, together with the Privacy Policy and any applicable additional terms displayed within DhwaniPay, constitute the agreement between you and Mr Fincare Payment Solutions regarding your use of DhwaniPay.

For any loan obtained through a lending partner, the loan agreement, Key Fact Statement, sanction documentation, and other applicable documents issued by the relevant lending partner will govern the lending relationship.

📩 18. Contact Information

For questions, complaints, or concerns regarding DhwaniPay or these Terms, please contact us:

Email: contact@dhwanipay.com

Company: Mr Fincare Payment Solutions

Address:
1ST FLOOR, NO 12,
Kothnur Dinne Main Rd,
Nrupathunga Nagar, JP Nagar 7th Phase,
Bengaluru, Karnataka 560078

✅ 19. User Acknowledgement

By downloading, installing, accessing, or using DhwaniPay, you acknowledge that:

• You have read these Terms & Conditions.
• You understand how the application operates.
• You understand the purpose of Notification Listener and SMS permissions.
• You understand that payment notifications may be affected by third-party applications and device limitations.
• You understand that loan applications are subject to independent lending-partner approval.
• You understand that DhwaniPay does not guarantee loan approval or disbursement.
• You understand that loan calculator figures are illustrative.
• You understand that relevant loan application information may be shared with registered lending partners when you voluntarily use the loan service and provide the applicable consent.
• You agree to be bound by these Terms.

If you do not agree with these Terms, please discontinue use of DhwaniPay and uninstall the application.