privacy policy

APPLICABILITY

This User Agreement along with Terms Of Service (collectively, the "User Agreement") forms the terms and conditions for the use of services and products of iRise Travels (India) LLP ("iRise Travels").

Any person ("User") who inquiries about or purchases any products or services of iRise Travels through its websites, mobile applications, sales persons, offices, call centers, branch offices, franchisees, agents etc. (all the aforesaid platforms collectively referred to as "Sales Channels") agree to be governed by this User Agreement. The websites and the mobile applications of iRise Travels are collectively referred to as 'Website'.

Both User and iRise Travels are individually referred to as 'Party' and collectively referred to as 'Parties' to the User Agreement.

"Terms of Service" available on iRise Travels's website details out terms & conditions applicable on various services or products facilitated by iRise Travels. The User should refer to the relevant Terms of Service applicable for the given product or service as booked by the User. Such Terms of Service are binding on the User.

ELIGIBILITY TO USE

The User must be atleast 18 years of age and must possess the legal authority to enter into an agreement so as become a User and use the services of iRise Travels. If you are a minor or are below the age of 18 years, you shall not register as a User of the Website and shall not transact on or use the Website.

As a minor if you wish to use or transact on the Website, such use or transaction shall only be made by a person of legal contracting age (legal guardian or parents). We reserve the right to terminate your membership and/or block access to the Website if it is discovered that you are a minor or 1 Privacy Policy - iRise Travels incompetent to contract according to the law or any information pertaining to your age entered at the time of creation of account is false.

Before using the Website, approaching any Sales Channels or procuring the services of iRise Travels, the Users shall compulsorily read and understand this User Agreement, and shall be deemed to have accepted this User Agreement as a binding document that governs User's dealings and transactions with iRise Travels. If the User does not agree with any part of this Agreement, then the User must not avail iRise Travels's services and must not access or approach the Sales Channels of iRise Travels.

All rights and liabilities of the User and iRise Travels with respect to any services or product facilitated by iRise Travels shall be restricted to the scope of this User Agreement.

CONTENT

All content provided through various Sales Channels, including but not limited to audio, images, software, text, icons and such similar content ("Content"), are registered by iRise Travels and protected under applicable intellectual property laws. User cannot use this Content for any other purpose, except as specified herein.

User agrees to follow all instructions provided by iRise Travels which will prescribe the way such User may use the Content.

There are a number of proprietary logos, service marks and trademarks displayed on the Website and through other Sales Channels of iRise Travels, as may be applicable. iRise Travels does not grant the User a license, right or authority to utilize such proprietary logos, service marks, or trademarks in any manner. Any unauthorized use of the Content, will be in violation of the applicable law.

WEBSITE

The Website is meant to be used by bonafide User(s) for a lawful use.

User shall not distribute exchange, modify, sell or transmit anything from the Website, including but not limited to any text, images, audio and video, for any business, commercial or public purpose.

The User Agreement grants a limited, non-exclusive, non-transferable right to use this Website as expressly permitted in this User Agreement. The User agrees not to interrupt or attempt to interrupt the operation of the Website in any manner whatsoever.

Access to certain features of the Website may only be available to registered User(s). The process of registration, may require the User to answer certain questions or provide certain information that may or may not be personal in nature. Some such fields may be mandatory or optional. User represents and warrants that all information supplied to iRise Travels is true and accurate. iRise Travels reserves the right, in its sole discretion, to terminate the access to the Website and the services offered on the same or any portion thereof at any time, without notice, for general maintenance or any other reason whatsoever.

iRise Travels will always make its best endeavors to ensure that the content on its websites or other sales channels are free of any virus or such other malwares. However, any data or information downloaded or otherwise obtained through the use of the Website or any other Sales Channel is done entirely at the User's own discretion and risk and they will be solely responsible for any damage to their computer systems or loss of data that may result from the download of such data or information.

iRise Travels reserves the right to periodically make improvements or changes in its Website at any time without any prior notice to the User. User(s) are requested to report any content on the Website which is deemed to be unlawful, objectionable, libelous, defamatory, obscene, harassing, invasive to privacy, abusive, fraudulent, against any religious beliefs, spam, or is violative of any applicable law to report@irisetravels.com. On receiving such report, iRise Travels reserves the right to investigate and/or take such action as the Company may deem appropriate.

User(s) shall not host, display, upload, publish, transmit or share any information on iRise Travelsʼs website or app which:

Belongs to another person and to which the User does not have any right;
Is obscene, pornographic, paedophilic, invasive of anotherʼs privacy including bodily privacy, insulting or harassing on the basis of gender, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence;
Is harmful to child;
Infringes any patent, trademark, copyright or other proprietary rights;
Deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature;
Impersonates another person;
Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence, or prevents investigation of any offence, or is insulting other nation;
Contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of iRise Travelsʼs platform;
Violates any law for the time being in force.

PROCEDURE TO REPORT OBJECTIONABLE/INFRINGING CONTENT

User(s) can report any content on the Website/App which is deemed to be unlawful, objectionable, libelous, defamatory, obscene, harassing, invasive to privacy, abusive, fraudulent, against any religious beliefs, spam, or is violative of any applicable law.

If the individual is of the view that any content on or listings on iRise Travels contains any objectionable or infringing content, User(s) may fill out and submit the at [ipr@go-irise.com](mailto:ipr@go-irise.com). iRise Travels shall endeavor to review all complete and valid complaints within the prescribed timeframe under applicable law.

The information shared as part of the complaint shall:

Clearly identify the violations;
Location of the material on the Website, including but not limited to the link of the infringing material;
In case of any IP violations, proof of ownership of such IP; and
Contact information.

Complainant consents that iRise Travels shall share the contents of any complaint with necessary third parties including without limitation the accused parties involved to determine the respective rights and liabilities against any allegedly illegal content.

iRise Travels shall make commercially reasonable efforts to resolve all content related complaints within the time period prescribed under applicable law provided that:

Complainant shall provide all relevant information and supporting documentation requested by iRise Travels to enable iRise Travels to evaluate the complaint; and,
iRise Travels acts in good faith in the determination of any complaint and shall not be liable, in any manner whatsoever, for any act or omission of iRise Travels pursuant to such complaint, and no such act or omission shall be construed to be an admission of any liability. All of iRise Travels’s rights in such matters are fully reserved. iRise Travels does not provide any guarantee or warranty in respect of the outcome of any.

BOOKINGS BY TRAVEL AGENTS

Except with the prior registration with iRise Travels as B2B agents, priority partner or a franchisee, and explicit permission of iRise Travels to use the Website, all travel agents, tour operators, consolidators or aggregators ("Travel Agents") are barred from using this Website for any commercial or resale purpose. If any such bookings are detected, iRise Travels reserves the right, including without limitation, to cancel all such bookings immediately without any notice to such travel agents and also to withhold payments or any refunds thereto. iRise Travels shall not be held liable for any incidental loss or damage that may arise from the bookings made by any person through such Travel Agents. The liability in case of such cancellations shall be solely borne by such Travel Agents.

All discounts and offers mentioned on the Website are applicable only to the User(s) of iRise Travels for legitimate bookings.

LIMITED LIABILITY OF iRise Travels

Unless iRise Travels explicitly acts as a reseller in certain scenarios, iRise Travels always acts as a facilitator by connecting the User with the respective service providers like airlines, hotels, restaurants, bus operators etc. (collectively referred to as "Service Providers"). iRise Travels's liability is limited to providing the User with a confirmed booking as selected by the User.

Any issues or concerns faced by the User at the time of availing any such services shall be the sole responsibility of the Service Provider. iRise Travels will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence on part of any Service Provider.

Unless explicitly committed by iRise Travels as a part of any product or service:

iRise Travels assumes no liability for the standard of services as provided by the respective Service Providers.
iRise Travels provides no guarantee with regard to their quality or fitness as represented.
iRise Travels doesn't guarantee the availability of any services as listed by a Service Provider.
By making a booking, User understands iRise Travels merely provides a technology platform for booking of services and products and the ultimate liability rests on the respective Service Provider and not iRise Travels. Thus the ultimate contract of service is between User and Service Provider.

User further understands that the information displayed on the Website with respect to any service is displayed as furnished by the Service Provider. iRise Travels, therefore cannot be held liable in case if the information provided by the Service Provider is found to be inaccurate, inadequate or obsolete or in contravention of any laws, rules, regulations or directions in force.

USER'S RESPONSIBILITY

Users are advised to check the description of the services and products carefully before making a booking. User(s) agree to be bound by all the conditions as contained in booking confirmation or as laid out in the confirmed booking voucher. These conditions are also to be read in consonance with the User Agreement.

If a User intends to make a booking on behalf of another person, it shall be the responsibility of the User to inform such person about the terms of this Agreement, including all rules and restrictions applicable thereto.

The User undertakes to abide by all procedures and guidelines, as modified from time to time, in connection with the use of the services available through iRise Travels. The User further undertakes to comply with all applicable laws, regulations, orders, directions etc. issued by either the Central Government, State Government, District Authorities or any other statutory body empowered to do so w.r.t use of services or for each transaction.

The services are provided on an "as is" and "as available" basis. iRise Travels may change the features or functionality of the services being provided at any time, in its sole discretion, without any prior notice. iRise Travels expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, reasonably fit for all purposes. No advice or information, whether oral or written, which the User obtains from iRise Travels or through the

services shall create any warranty.

The User further agrees and acknowledges that the use of the services offered by iRise Travels is entirely at the User's own risk and in case of any loss or damage arising as a result of use of such services, iRise Travels and/or its affiliates shall not be held liable.

FORCE MAJEURE

iRise Travels shall not be liable for any damages whatsoever arising due to force majeure or reasons beyond its control, including but not limited to act of God, change of law, war, riot, civil strife, terrorist activity, labor disputes, natural and nuclear disaster, fire, flood, earthquake and other force majeure events.

APPLICABLE LAW AND JURISDICTION

This User Agreement is governed by and shall be construed in accordance with the laws of India and subject to the exclusive jurisdiction of the courts of Bangalore, India.

SEVERABILITY

If any provision of this User Agreement is determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability shall attach only to such provision or part of such provision and the remaining part of such provision and all other provisions of this User Agreement shall continue to be in full force and effect.

GENERAL

All terms and conditions of this User Agreement are subject to change by iRise Travels from time to time without any prior notice to the User. The User agrees to be bound by such modifications, alterations or updates.

This document is an electronic record in terms of Information Technology Act, 2000 and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

VISA, HEALTH, AND IMMIGRATION REQUIREMENTS

It is the sole responsibility of the User to ensure compliance with all visa, health, and immigration requirements for the countries they intend to visit. Some countries may require a visa before travel or have specific health requirements. iRise Travels recommends that Users check with the respective embassies or consulates of the countries they plan to visit for the latest information on visa and health requirements. iRise Travels shall not be held liable for any consequences arising from the User's failure to comply with such requirements.

PAYMENTS AND CANCELLATIONS

All payments made through iRise Travels are subject to the terms and conditions of the respective Service Providers. iRise Travels acts only as a facilitator for processing payments and shall not be held liable for any discrepancies or issues related to payments made to Service Providers. Users are advised to carefully review the payment terms and cancellation policies of the Service Providers before making any bookings.

DISCLAIMER OF WARRANTIES

iRise Travels makes no representations or warranties of any kind, express or implied, regarding the services provided on its platform. This includes, but is not limited to, the accuracy, reliability, availability, suitability, or fitness for a particular purpose of the services. iRise Travels does not warrant that its platform will be uninterrupted or error-free, or that any defects will be corrected. Users acknowledge and agree that they use iRise Travels's services at their own risk.

LIMITATION OF LIABILITY

In no event shall iRise Travels, its affiliates, or their respective officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with the use or inability to use iRise Travels's services.

INDEMNIFICATION

Users agree to indemnify and hold harmless iRise Travels, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or in connection with the User's use of iRise Travels's services or violation of this User Agreement.

ASSIGNMENT

Users may not assign or transfer any rights or obligations under this User Agreement without the prior written consent of iRise Travels. iRise Travels reserves the right to assign or transfer this User Agreement, in whole or in part, including to any affiliates or successors.

ENTIRE AGREEMENT

This User Agreement constitutes the entire agreement between the User and iRise Travels regarding the use of iRise Travels's services, superseding any prior agreements or understandings between the parties. Any amendments or modifications to this User Agreement must be made in writing and signed by both parties.

WAIVER

The failure of iRise Travels to enforce any provision of this User Agreement shall not be deemed a waiver of such provision or any other provision. Any waiver of any provision of this User Agreement must be in writing and signed by iRise Travels to be legally binding.

SURVIVAL

The provisions of this User Agreement which by their nature should survive termination or expiration, including but not limited to the provisions regarding limitation of liability, disclaimer of warranties, indemnification, and applicable law and jurisdiction, shall survive any termination or expiration of this User Agreement.

Here's the continuation of the document with the replacement of "MMT" and "MakeMyTrip" with "iRise Travels":

FORCE MAJEURE

There can be exceptional circumstances where iRise Travels and / or the Service Providers may be unable to honor the confirmed bookings due to various reasons like act of God, labor unrest, insolvency, a pandemic, an epidemic, business exigencies, government decisions, terrorist activity, any operational and technical issues, route and flight cancellations etc. or any other reason beyond the control of iRise Travels. If iRise Travels has advance knowledge of any such situations where dishonor of bookings may happen, it will make its best efforts to provide similar alternative to the User or refund the booking amount after deducting applicable service charges, if supported and refunded by that respective service operators. The User agrees that iRise Travels being merely a facilitator of the services and products booked, cannot be held responsible for any such Force Majeure circumstance. The User has to contact the Service Provider directly for any further resolutions and refunds.

The User agrees that in the event of non-confirmation of booking due to any technical reasons (like network downtime, disconnection with third party platforms such as payment gateways, banks etc.) or any other similar failures, iRise Travels’s obligation shall be limited refunding the booking amount, if any, received from the customer. Such refund shall completely discharge iRise Travels from all liabilities with respect to that transaction. Additional liabilities, if any, shall be borne by the User.

In no event shall iRise Travels be liable for any direct, indirect, punitive, incidental, special or consequential damages, and any other damages like damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website or any other Sales Channel.

ADVERTISERS ON iRise Travels, AND LINKED WEBSITES

The Website may contain links to third party websites. iRise Travels does not control such websites and is not responsible for its contents. If a User accesses any third-party website, the same shall be done entirely at the User's risk and iRise Travels shall assume no liability for the same.

iRise Travels is not responsible for any errors, omissions or representations on any of its pages, links or any linked website pages to the extent such information is updated or provided directly by the Service Providers or the advertisers.

iRise Travels does not endorse any advertisers on its Website, or any linked sites in any manner. The Users are requested to verify the accuracy of all information provided on the third-party web pages.

The linked sites are not under the control of iRise Travels and hence iRise Travels is not responsible for the contents of any linked site(s) or any further links on such site(s), or any changes or updates to such sites. iRise Travels is providing these links to the Users only as a convenience.

RIGHT TO REFUSE

RIGHT TO REFUSAL BY iRise Travels:

iRise Travels at its sole discretion reserves the right to not accept any booking without assigning any reason thereof.

iRise Travels will not provide any service or share confirmed booking details till such time the complete consideration is received from the User.

In addition to other remedies and recourse available to iRise Travels under this User Agreement or under applicable law, iRise Travels may limit the User's activity, warn other users of the User's actions, immediately suspend or terminate the User's registration, or refuse to provide the User with access to the Website if:

The User is in breach of this User Agreement; or

iRise Travels is unable to verify or authenticate any information provided by the User; or

iRise Travels believes that the User's actions may infringe on any third-party rights or breach any applicable law or otherwise result in any liability for the User, other users of iRise Travels, or iRise Travels itself.

Once a User has been suspended or terminated, such User shall not register or attempt to register with iRise Travels with different credentials, or use the Website in any manner whatsoever until such User is reinstated by iRise Travels. iRise Travels may at any time in its sole discretion reinstate suspended users.

If a User breaches this User Agreement, iRise Travels reserves the right to recover any amounts due to be paid by the User to iRise Travels, and to take appropriate legal action as it deems necessary.

The User shall not write or send any content to iRise Travels which is, or communicate with iRise Travels using language or content which is:

abusive, threatening, offensive, defamatory, coercive, obscene, belligerent, glorifying violence, vulgar, sexually explicit, pornographic, illicit or otherwise objectionable;

contrary to any applicable law;

violates third parties' intellectual property rights;

a spam; or

in breach of any other part of these terms and conditions of use.

If the User violates any of the aforesaid terms, iRise Travels shall be at liberty to take appropriate legal action against the User.

RIGHT TO REFUSAL BY END SERVICE PROVIDER:

User agrees that that the end service provider may refuse to provide the service(s), agreed to be provided to the User, for any booking made through iRise Travels with/without assigning any reasons or owing to reasons including but not limited to behavioral issues, public safety, health hazards, infectious diseases, government orders/notification etc. In such scenarios of refusal, the liability that may ensue shall solely vest with the end service provider as it is outside the purview of iRise Travels and the User agrees that any claim, refund or damages against such refusal shall lie solely against the end service provider and not iRise Travels.

RIGHT TO CANCEL

The User expressly undertakes to provide iRise Travels with correct and valid information while making use of the Website under this User Agreement, and not to make any misrepresentation of facts. Any default on part of the User would disentitle the User from availing the services from iRise Travels.

In case iRise Travels discovers or has reasons to believe at any time during or after receiving a request for services from the User that the request for services is either unauthorized or the information provided by the User or any of the travelers is not correct or that any fact has been misrepresented by that User, iRise Travels shall be entitled to appropriate legal remedies against the User, including cancellation of the bookings, without any prior intimation to the User. In such an event, iRise Travels shall not be responsible or liable for any loss or damage that may be caused to the User or any other person in the booking, as a consequence of such cancellation of booking or services.

If any judicial, quasi-judicial, investigation agency, government authority approaches iRise Travels to cancel any booking, iRise Travels will cancel the same without approaching the concerned User whose booking has been cancelled.

The User shall not hold iRise Travels responsible for any loss or damage arising out of measures taken by iRise Travels for safeguarding its own interest and that of its genuine customers. This would also include iRise Travels denying or

canceling any bookings on account of suspected fraud transactions.

FAKE CALLS AND OTHER SIMILAR PHISHING, SPAMMING OR FRAUDULENT ACTIVITIES

iRise Travels's employees or authorized representatives will never contact a User asking for his/ her credit or debit card number, expiry date, CVV, net banking login, passwords, OTP etc. nor will they ever request for a fund transfer to a personal or an individual bank account. Further, they will also not ask a User to install any third-party applications that enable them to view a User's mobile or computer screen.

Acting on any of these requests may make you a victim of fraud, and may potentially lead to loss of your valuable money or information.

If you are ever asked for any of the aforesaid information, please report it immediately to iRise Travels at report@irisetravels.com

INDEMNIFICATION

The User agrees to indemnify, defend and hold harmless iRise Travels, its affiliates and their respective officers, directors, lawful successors and assigns from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by such indemnified persons, that arise out of, result from, or may be payable by virtue of, any breach of any representation or warranty provided by the User, or non-performance of any covenant by the User.

The User shall be solely liable for any breach of any country-specific rules and regulations or general code of conduct and iRise Travels cannot be held responsible for the same.

COVID-19 RELATED TERMS & CONDITIONS:

User agrees that due to the recent outbreak of COVID-19 pandemic, which has been declared as a national disaster by the Government of India, there may be instances where the end service provider either cancels the booking or refuses to provide the services, as agreed with the User, by assigning or not assigning any specific reason for such refusal. Refusal of service may be due to reasons including but not limited to the User:

exhibiting any symptoms associated with COVID-19.

refusing to comply with safety advisories, like wearing protective gear, complying with social distancing norms, etc.

suffering from any ailment making the User vulnerable to the virus

posing a threat to the health and safety of others

In such cases, iRise Travels will assume no liability for the refusal of service by the end service provider. The User also agrees that a refund, if any, for such bookings will be processed by iRise Travels to the User subject to receipt of the same from the end service provider.

User further understands that due to the outbreak of COVID-19, the Central Government through its ministries, State Governments, and statutory bodies have/may come up with detailed sets of guidelines or standard operating procedures (SOP) that a traveler will have to follow to undertake the travel.

The User agrees to abide by all such guidelines/SOP while undertaking any travel. Failure to abide by such detailed sets of guidelines/SOP may lead to a situation where the service provider or any person authorized by the Central Government, State Government, or statutory body may disallow the User to undertake the travel. In such circumstances, iRise Travels will not be held liable for such refusal to travel, and refund, if any, shall be strictly as per the terms of the service provider.

User understands that the Central Government, State Governments, and various other bodies may mandate downloading of the Aarogya Setu App or submitting a self-declaration form prior to entering a transit point like an airport, railway station, etc., or at the time of checking-in for a flight, into a hotel, etc. Accordingly, the User must ensure downloading the Aarogya Setu App on their smartphones or provide any other alternate such as a self-declaration when demanded.

User undertakes that all bookings are subject to certain minimum medical wellbeing criteria specified by the Govt. / appropriate authority from time to time. User should have no medical history of the COVID-19 virus 28 days before the date of scheduled travel, especially in case of inbound travel. In this regard, the User may be required to furnish medical proof or a health declaration in an applicable format.

UPI RELATED TERMS & CONDITIONS

iRise Travels acts as a Third Party Application Provider (TPAP) under UPI

iRise Travels is a TPAP authorized by NPCI to facilitate payments through PSP Bank(s). For this purpose, ICICI Bank and IndusInd Bank shall act as the PSP. iRise Travels is a service provider participates in UPI through the PSP Bank.

Through the agreement entered into between iRise Travels, ICICI/IndusInd, and NPCI, iRise Travels shall facilitate grievances, complaints, and provide resolution to the customers using our UPI application.

iRise Travels shall act as

the first point of contact for all UPI-related grievances/complaints for its UPI customers. In the event the complaint or grievance remains unresolved, the User may escalate the issue to ICICI Bank/IndusInd Bank, followed by the User’s bank (linked to the UPI account) and NPCI thereafter, in the same order. If the User is still dissatisfied, the User may approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

FAQS

What is NPCI?: National Payments Corporation of India (NPCI) is an authorized payment system operated by RBI. NPCI owns and operates the UPI payment system.

What is PSP bank?: Payment Service Provider (PSP) is the banking company authorized to act as a service provider under the UPI framework. PSP engages the Third Party Application Provider (TPAP) to provide UPI services to the end-user customers.

What are TPAPs?: Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

What is the Customer’s Bank?: The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

Who is the End User Customer?: The end-user customer is the individual who uses UPI payment facility to send and receive payments.

GENERAL TERMS PERTAINING TO THE USE OF UPI

Roles & Responsibilities of NPCI

NPCI owns and operates the Unified Payments Interface (UPI) platform

NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities, and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management, and clearing cut-offs for settlement

NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP), and Prepaid Payment Instrument issuers (PPIs) in UPI

NPCI provides a safe, secure, and efficient UPI system and network

NPCI provides online transaction routing, processing, and settlement services to members participating in UPI

NPCI can, either directly or through a third party, conduct an audit on UPI participants and call for data, information, and records, in relation to their participation in UPI

NPCI provides the banks participating in UPI access to the system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

Roles & responsibilities of PSP Bank

PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments

PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.

PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app

PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers

PSP Bank has to ensure that TPAP and its systems are adequately secure to function on the UPI platform

PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security

PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India

PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on the UPI platform for linking with the customer’s UPI ID.

PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer

Roles & responsibilities of TPAP

TPAP is a service provider and participates in UPI through PSP Bank

TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI

TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform

TPAP is responsible to comply with all applicable laws, rules, regulations, and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard

TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India

TPAP is responsible to facilitate RBI, NPCI, and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI

TPAP shall facilitate the end-user customer with an option to raise a grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

Dispute Redressal Mechanism

Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app/NPCI using the following links:

iRise Travels contact: support@irisetravels.com

End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto

A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

The complaint can be raised for both types of transactions i.e. fund transfer and merchant transactions

The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself.

LEGAL JURISDICTION

This Agreement shall be subject to and construed in accordance with the laws of India and the parties hereby submit to the exclusive jurisdiction of the courts in Hyderabad.

FORCE MAJEURE

ADVERTISERS ON iRise Travels, AND LINKED WEBSITES

RIGHT TO REFUSE

RIGHT TO REFUSAL BY iRise Travels:

iRise Travels at its sole discretion reserves the right to not accept any booking without assigning any reason thereof.

iRise Travels will not provide any service or share confirmed booking details till such time the complete consideration is received from the User.

The User is in breach of this User Agreement; or

iRise Travels is unable to verify or authenticate any information provided by the User; or

The User shall not write or send any content to iRise Travels which is, or communicate with iRise Travels using language or content which is:

abusive, threatening, offensive, defamatory, coercive, obscene, belligerent, glorifying violence, vulgar, sexually explicit, pornographic, illicit or otherwise objectionable;

contrary to any applicable law;

violates third parties' intellectual property rights;

a spam; or

in breach of any other part of these terms and conditions of use.

If the User violates any of the aforesaid terms, iRise Travels shall be at liberty to take appropriate legal action against the User.

RIGHT TO REFUSAL BY END SERVICE PROVIDER:

The provided terms and conditions outline iRise Travels' policies, ranging from standard booking procedures to COVID-19-related guidelines. They also address fraud prevention, legal jurisdiction, grievance procedures, and the platform's rights and responsibilities. Users agree to these terms by using iRise Travels' services. Compliance with rules regarding UPI transactions, third-party services like Tripmoney, and the procedures for dispute resolution are highlighted. Additionally, the terms elaborate on the roles and responsibilities of different entities in the UPI ecosystem, including the National Payments Corporation of India (NPCI), Payment Service Provider (PSP) banks, and Third Party Application Providers (TPAP). Overall, these terms seek to protect users' interests while facilitating secure transactions and travel arrangements.