Terms of Use

Last Updated: 17.10.2025

1. Our Role

Slongo Technology Private Limited (hereinafter referred to as "SuperPe," "us," "we," or "our") provides a technology platform that enables registered users (hereinafter referred to as "User," "you," or "your") to make wallet-based payments for utility bills (mobile recharge, prepaid, WiFi, electricity, water, gas, LPG), credit card bill payments, and more. Add money to your wallet via credit card or UPI and make payments your way (collectively referred to as the "Services"). Our wallet payments are powered by Pinelabs.

By using the SuperPe platform (mobile application, website, or any associated interface, collectively referred to as the "Platform"), you agree to these Terms of Use and our Privacy Policy.

When you initiate a transaction, you confirm that a valid, bona fide relationship exists between you (the User) and the Beneficiary (e.g., utility provider, vendor, or service provider) and that the payment reflects the actual, agreed value of a lawful transaction. SuperPe does not verify the authenticity of such relationships or the legitimacy of the payment amounts. You are solely responsible for ensuring that all transaction details — including the Beneficiary's name, account number, and IFSC — are correct.

SuperPe acts solely as a payment facilitator and does not provide banking, lending, or financial services beyond those explicitly described herein. We may engage third-party service providers (such as payment gateways, banks, or credit networks) to process payments. Each such partner may have its own terms of service and privacy policy, which you are encouraged to review.

2. Definitions

For clarity in these Terms of Use:

"Platform" means the SuperPe app, website, APIs, and associated systems enabling digital payments.

"User" means any person or entity using the Platform to initiate payments.

"Beneficiary" means the individual or organization receiving the payment.

"Transaction" means any payment instruction initiated through the Platform.

"Third-Party Service Providers" means any external entity engaged by SuperPe to facilitate payment, verification, authentication, or compliance activities.

3. Eligibility

By registering with SuperPe, you confirm that:

a. You are at least 18 years of age and legally competent to enter into binding contracts.

b. You are not barred under applicable laws or regulations from accessing the Platform.

c. You authorize SuperPe to collect and verify your KYC details and credit score, as required for risk evaluation.

d. You are responsible for maintaining accurate account information.

e. If you permit others to use your account, you remain liable for their actions and any resulting obligations.

4. Acceptable Use Policy

You agree not to use the Platform for any unlawful or prohibited activity, including but not limited to:

  • Engaging in fraud, money laundering, or prohibited transactions.
  • Making payments for fictitious or unverifiable purposes.
  • Uploading harmful or malicious content (malware, viruses, or unauthorized scripts).
  • Impersonating another person or providing false information.

SuperPe reserves the right to suspend, restrict, or terminate your account immediately in case of any suspected misuse or regulatory non-compliance.

5. KYC and Verification

SuperPe may require you and/or the Beneficiary to provide KYC documentation such as PAN, Aadhaar, bank statements, or other identity proofs to comply with RBI and NPCI guidelines.

You are responsible for the accuracy and authenticity of such documents. SuperPe reserves the right to reject or suspend transactions if documents are invalid, incomplete, or unverifiable.

6. Authorization and Payment Processing

By initiating a transaction, you authorize SuperPe to:

  • Debit your chosen payment method (credit card, debit card, etc.).
  • Route funds to the Beneficiary's verified bank account after applicable fees and deductions.
  • Share necessary information with banks, gateways, or compliance authorities as needed.

If the payment fails due to incorrect details or any other reason, SuperPe will refund the amount (after deducting applicable charges) to your source account.

7. Transaction Terms

Transactions initiated from your account are treated as authorized by you.

You must ensure that the Beneficiary's account details are correct. SuperPe will not be liable for misdirected payments.

In case of fraudulent or unauthorized activity caused by your negligence, SuperPe bears no responsibility.

SuperPe may delay, suspend, or cancel a transaction if it suspects fraud, security threats, or regulatory violations.

8. Fees and Charges

Transaction Fees: SuperPe may charge a convenience or service fee per transaction, disclosed at the time of payment.

Third-Party Charges: Any additional fees imposed by banks, networks, or card issuers (e.g., currency conversion, interest, or late fees) shall be borne by you.

Fee Revisions: SuperPe reserves the right to revise its fees with prior notice via in-app or email communication. Continued use of the Platform implies consent to revised fees.

9. Rewards and Cashback

SuperPe may, from time to time, introduce cashback or reward-based promotional offers for eligible transactions made through the Platform.

Cashback eligibility, amount, and disbursal timelines will be governed by the respective campaign terms displayed within the app.

Cashback on Credit Card Bill Payments: Users are eligible for a single cashback of up to ₹200 (2%) per calendar month on qualifying credit card bill payments made through the SuperPe Platform.

SuperPe reserves the right to modify, withdraw, or discontinue any cashback or promotional offer at its sole discretion, without prior notice.

Cashback credited erroneously or resulting from invalid transactions may be reversed without notice.

10. Tax Obligations (TDS)

You are responsible for complying with applicable tax laws, including deduction and deposit of Tax Deducted at Source (TDS) for applicable payments.

SuperPe does not compute, deduct, or remit TDS on your behalf. All liabilities, penalties, or consequences arising from tax non-compliance rest solely with you.

11. Data Protection and Privacy

Your data is handled in accordance with SuperPe's Privacy Policy, which forms an integral part of these Terms.

Data Storage: Personal and transactional data is securely stored and processed.

Data Sharing: Your data may be shared with regulatory authorities, payment partners, or fraud-monitoring agencies as required.

Data Retention: Information will be retained only as long as legally necessary or operationally required.

12. Refunds and Chargebacks

Refunds: If a transaction fails before reaching the Beneficiary's account, the amount (minus processing charges) will be refunded to your source account.

No Refund Post-Credit: Once funds are settled in the Beneficiary's account, refunds will not be processed.

Chargebacks: If a transaction is disputed or reversed by your card issuer, the Beneficiary will be responsible for reimbursing SuperPe for the amount and any penalties. Failure by the Beneficiary to cooperate in a chargeback investigation within three (3) working days may result in permanent debit or account action.

13. Wrongful or Excess Credits

In the event that funds are wrongfully credited to your account or a Beneficiary's account due to any technical error, processing fault, or system malfunction, SuperPe reserves the right to:

  • Reverse or recover such excess or wrongful amounts; and
  • Suspend or place future payments on hold until the excess amount is successfully recovered or adjusted.

You agree that any wrongful credit does not create a valid claim or entitlement in your favor, and you undertake to cooperate fully in facilitating the reversal or recovery of such funds.

This clause is enforceable in accordance with applicable Indian laws, including Section 72 of the Indian Contract Act, 1872 (money paid under mistake or coercion).

14. Limitation of Liability

To the maximum extent permitted by law:

  • SuperPe shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of the Platform.
  • SuperPe is not responsible for disputes between Users and Beneficiaries or errors caused by inaccurate information provided by Users.
  • SuperPe's aggregate liability shall not exceed the total fees paid by you for the disputed transaction.

15. Force Majeure

SuperPe shall not be held liable for delays or failures due to events beyond its reasonable control, including but not limited to natural disasters, government actions, cyberattacks, or network outages.

16. Termination of Access

SuperPe may, at its sole discretion, suspend or terminate your account or restrict access to the Platform without notice in cases of:

  • Fraudulent or suspicious activity
  • Breach of these Terms
  • Regulatory or security concerns

Any pending transactions may be cancelled, and refunds (if applicable) will be processed as per the refund policy.

17. Governing Law and Dispute Resolution

These Terms are governed by the laws of India.

Arbitration: Any dispute shall be settled by a sole arbitrator appointed under the Arbitration and Conciliation Act, 1996, seated in Bengaluru, India.

Jurisdiction: Subject to arbitration, the courts of Bengaluru shall have exclusive jurisdiction.

18. Indemnity

You agree to indemnify and hold harmless SuperPe, its directors, employees, and affiliates from any loss, claim, penalty, or damage arising from:

  • Misuse of the Platform;
  • Provision of false or inaccurate information;
  • Non-compliance with applicable laws or tax obligations.

19. Waiver of Rights

You waive all claims against SuperPe for any loss or liability arising from:

  • Unauthorized access or misuse of data (except where caused by gross negligence);
  • Disputes with Beneficiaries or third parties;
  • Errors in transaction details entered by you.

20. Modifications

SuperPe reserves the right to modify, amend, or replace these Terms at any time without prior notice. The revised version will be published on the Platform, and continued use will be deemed acceptance of the updated Terms.

21. Grievance Redressal

For any queries, concerns, or complaints, you may contact our Grievance Team:

Email: support@superpe.co

Customer Support Hours: Available 24x7 for assistance.

22. Acceptance

By using the SuperPe Platform, you acknowledge that you have read, understood, and agreed to these Terms of Use and the Privacy Policy. If you do not agree, you must discontinue use of the Platform immediately.