Terms of Service

1 Acceptance of Terms

By accessing or using IndianUPI.com ("Website"), including all tools, demo systems, guides, and resources provided therein, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you ("User", "you") and IndianUPI.com ("we", "us", "our"). Your continued use of the Website after any modifications to these Terms constitutes acceptance of those changes.

2 Description of Services

IndianUPI.com provides the following services free of charge:

3 Acceptable Use Policy

When using IndianUPI.com services, you agree to:

✅ Permitted Uses

• Use tools for personal, educational, or legitimate business purposes
• Access demo systems for learning and understanding UPI payment flows
• Share our guides and resources with proper attribution
• Provide feedback and suggestions for improvement

❌ Prohibited Uses

• Using our tools or demo systems for fraudulent activities or scams
• Attempting to process real financial transactions through demo systems
• Scraping, copying, or redistributing our content without permission
• Reverse engineering, decompiling, or attempting to extract source code
• Overloading servers through excessive automated requests or attacks
• Impersonating IndianUPI.com or misrepresenting affiliation
• Using our platform to collect personal data from other users
• Any activity that violates applicable laws or regulations

4 Tools & Demo Systems

4.1 UPI QR Code Generator

Our QR Code Generator creates UPI-compliant QR codes based on user input. Users are solely responsible for:

• Accuracy of UPI ID, amount, and other details entered
• Verifying generated QR codes before use
• Ensuring compliance with merchant/personal use guidelines

4.2 UPI Payment Demo System

The demo system at demo.indianupi.com is an educational tool that simulates UPI payment flows. Key terms:

• No real money is transferred through the demo system
• All transactions are simulated for educational purposes only
• Demo data may be reset or deleted at any time without notice
• Do not enter real banking credentials or sensitive information

4.3 Calculators & Validators

Fee calculators, limit checkers, and validators provide estimates based on publicly available information. Results are for reference only and may not reflect actual bank policies or real-time data.

5 Disclaimer & Limitations

5.1 No Warranty

All services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, reliability, or completeness of information
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free operation

5.2 Limitation of Liability

IndianUPI.com, its owners, operators, and contributors shall NOT be liable for:

• Any direct, indirect, incidental, or consequential damages arising from use of our services
• Financial losses resulting from reliance on our tools or information
• Errors or inaccuracies in QR codes, calculations, or other outputs
• Third-party actions, including UPI apps, banks, or payment processors
• Service interruptions, data loss, or security breaches

5.3 Third-Party Links

Our website contains links to third-party websites (banks, UPI apps, NPCI, etc.). We are not responsible for the content, privacy policies, or practices of these external sites. Visiting third-party links is at your own risk.

6 Intellectual Property

All content on IndianUPI.com, including but not limited to text, graphics, logos, tool designs, and code, is the property of IndianUPI.com or its content suppliers and is protected by intellectual property laws.

6.1 Permitted Use

• Personal, non-commercial use of tools and resources
• Sharing links to our content with attribution
• Quoting limited portions for educational purposes with credit

6.2 Restrictions

• Copying, reproducing, or redistributing substantial content without permission
• Creating derivative works based on our tools or designs
• Using "IndianUPI" name or branding without authorization
• Removing copyright notices or attributions

"UPI" and related logos are trademarks of NPCI. Other brand names and logos mentioned are trademarks of their respective owners.

7 Privacy & Data

7.1 Data Collection

Our tools operate primarily client-side. We do NOT collect, store, or transmit:

• UPI IDs or VPAs entered in our tools
• Banking credentials or financial information
• Generated QR code data
• Personal transaction details

7.2 Analytics

We may use standard analytics tools to understand site usage (page views, traffic sources, etc.). This data is anonymized and used solely for improving our services.

7.3 Demo System Data

Data entered in demo systems is for demonstration only. Do not enter real personal or financial information. Demo data may be visible to other users and is not secured for sensitive information.

8 Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page. The "Last Updated" date at the top indicates when the Terms were last revised.

Your continued use of IndianUPI.com after changes are posted constitutes acceptance of the modified Terms. We encourage you to review this page periodically.

9 Contact Information

If you have questions about these Terms or our services, please contact us:

• Website: indianupi.com
• Telegram: @zfxt5
• Community: bbs.tata.sb