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Terms & Conditions

Welcome to www.giftapension.com website (the "Site") operated by Micro Pension Foundation ("MPF"). MPF provides its services to you subject to the following terms and conditions (the “Terms”). Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms and the linked Privacy Policy. We strongly recommend that, as you read the Terms, you also access and read the linked information, since it is incorporated into and hereby made part of the Terms. The Terms are effective upon acceptance for which the provision has been made in the Site. In addition, use of any functionality of the Site constitutes acceptance of the Terms. If these Terms conflict with any other documents, the Terms will control for the purposes of usage of the Site. If you do not agree to be bound by this Terms and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the Terms. We reserve the right at any time, at our sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified Terms.

Description of Services

In the Site, MPF provides users with access to information primarily about financial and utility services, including but not restricted to pension products, mutual funds, general insurance, life insurance, loans, credit cards, prepaid cards, enrolment, micro payment and helpline services (the "Service"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this Site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected for your domestic help. You hereby agree that MPF may contact you either electronically or through phone, to understand your interest in the selected products and services and to enable you to complete the enrollment formalities of your domestic help. You also agree that MPF reserves the right to make your details available to its business partners and you may be contacted by the business partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from MPF through email or sms.

Convenience Fee

During the enrolment stage you shall bear a one-time expense of Rs.300/- (Rupees Three Hundred only) as a convenience charge to MPF to take care of the material and logistics for enrolments including couriers (the "Convenience Fee"). Your domestic help is not required to pay any charge or fees to MPF for joining NPS-Lite/ Swavalamban through the Site. You are also not required to pay any other charges or fees to any other entity.

Refund

This refund policy is applicable for transactions where payment for Service is made through the payment gateway (BillDesk) accessed from this Site and/or through the prepaid card issued to your domestic help by MPF (the "Micro Pension® Card"). A successful transaction will not be refunded under any circumstances, except in case of cancellation as described below. However, refund will be processed for all failed transactions after due verification. In case you have received a success confirmation but are not able to enroll or obtain the Service, you are required to contact us at the earliest through phone or email, details of which are available on ‘Contact Us’ page on this Site. We will provide you a quick resolution.

There are 2 scenarios in which a transaction will be termed as failed transaction and refund will be processed:

1. The transactions for which money has been deducted from your/ your domestic help’s account but response has not flown back to BillDesk and subsequently to MPF, will be automatically processed for refund.

2. . All transactions in our system are reconciled with BillDesk by T+2 (transaction day + 2) working day (excluding Sundays & holidays) basis. The transactions for which BillDesk has got a success response from the merchant bank but MPF did not receive it; refund will be processed within 2 working days from the date of transaction. The concerned merchant bank/ credit card/ debit card service provider may take around 7 working days to post a credit to your account. This is an automatic process and will be followed in all cases.

Failed transaction may pertain to payment of Convenience Fee, periodic contributions for the Service paid to us through the Site or any additional amount loaded into the Micro Pension® Card, and you may seek refund of any of these transactions in which case the merchant bank will be liable for refund.

You are also entitled to seek refund from MPF of the amount of initial contribution paid by you at the time of enrollment of your domestic help through the Site, in case the enrollment is subsequently cancelled by MPF for any reason whatsoever. However, the one-time Convenience Fee paid by you shall not be refundable in case of such cancellation.

License and Site Access

MPF grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in MPF’s sole discretion) an unreasonable or disproportionately large load on MPF’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by MPF to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by MPF. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

Eligibility

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by MPF for any reason. Users may not have more than one active account. However, a user may enroll any number of domestic helps through his active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

Your Account

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving the Service under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate purchases for your domestic help or for another person for whom you are legally authorized to act, and will inform such domestic help/ other persons about the Terms and Privacy Policy that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or MPF has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, MPF has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept full responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you log-out from your account at the end of each session. You agree to notify MPF immediately of any unauthorized use of your account or any other breach of security. MPF reserves the right to refuse Service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Service we offer, at any time and for any reason, including, but not limited to, for violation of the Terms or Privacy Policy.

Submitted Content

We take no responsibility and assume no liability for any submitted content posted or submitted by you, including but not limited to your personal/ contact/ other details and/or details relating to other person(s) for whom you are accessing the Site. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit through the Site. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.

Disclaimer of Liability and Warranty

MPF makes no representation about the suitability of the information, software, products, and services contained on this Site for any purpose, and the inclusion or offering of any products or services on this Site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided 'AS IS' without warranty of any kind. The Calculators displayed on the Site are only an illustrative and educational guide to help you understand and appreciate key retirement related concepts including the power of compounding, the importance of starting early and saving regularly, inflation and time-value-of-money. The assumptions, calculations and information in this Calculator are generic and for educational purposes only. Neither MPF nor any of its affiliates or business partners guarantee or represent that the returns or accumulations or any other values shown in this Calculator will be as they are shown and have no financial liability whatsoever in connection with any decision, observation or conclusion that may be made by any person or entity on the basis of these simulations. Actual returns as well as savings values in financial instruments may rise or fall and you should seek financial advice independently before investing in any financial savings instrument. By means of permitting you access to this Site, neither MPF nor any of its affiliates or business partners is rendering professional advice or services to you. Before making any decision or taking any action that might affect your/ your domestic help’s finances, you should consult a certified financial advisor and not solely rely on the content, products or services available on or through the Site. You also agree to educate your domestic help(s) about the Service available through the Site, and only once your domestic help has correctly understood the functionality of the Site, the Service available through the Site and features of the product(s), you can enroll them through the Site. Although all commercially reasonable steps are taken to make this Site useful and secure, MPF disclaims all warranties and conditions that this Site, its services or any email sent from MPF, its affiliates, and/or their respective business partners are free of viruses or other harmful components. MPF hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this Site are independent affiliates and MPF is not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any damages or expenses resulting there from. Notwithstanding the provision for refund provided elsewhere in these Terms, MPF and its business partners have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense, omissions, delays or acts of any government or authority. In no event shall MPF and/or its affiliates/ business partners be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this Site or with the delay or inability to access, display or use this Site (including, but not limited to, your reliance upon opinions appearing on this Site; any computer viruses, information, software, linked sites, products, and services obtained through this Site; or otherwise arising out of the access to, display of or use of this Site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if MPF and/or its affiliates and their respective business partners have been advised of the possibility of such damages.

Disclaimer of Online Availability, Impressions and Click-Through

In addition to the other disclaimers and limitations discussed in these Terms, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.giftapension.com, its web pages, and any material, information, links, or content presented on the web pages at www.giftapension.com. Giftapension.com, its web pages, and any material, information, links, or content presented on the web pages at www.giftapension.com, may be unavailable for online access at anytime. Advertising sponsors and advertising must be approved by MPF before the posting of any advertising material, information, links, content, banners, and graphics on www.giftapension.com. Any advertising should be related to interactive digital television and related subject areas. MPF reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

License Disclaimer

Nothing on any MPF’s website shall be construed as conferring any license under any of MPF’s or any third party's registered or unregistered intellectual property rights, whether by estoppel, implication, or otherwise.

Limitation of Liability

You expressly understand and agree that MPF and its affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if MPF has been advised of the possibility of such damages), resulting from use of the Site, content or any related services. If, despite the limitation above, MPF or its affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of MPF and/or its affiliates will in no event exceed, in the aggregate, Rupees One Hundred only (INR 100). The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of MPF, its affiliates, and/or their respective business partners.

Indemnity

You agree to indemnify and hold MPF (and its officers, directors, agents, business partners and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of these Terms, your violation of any law or the rights of a third party, or your use of the Site.

Electronic Communication

When you use the Site or send emails to MPF, you are communicating with MPF electronically. You consent to receive communications from MPF electronically. MPF may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. It is your responsibility to keep your contact information in the Site current and notify MPF in case of change.

Site-Provided Email and Postings

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. MPF is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, MPF may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information; (iv) messages by non-spokesperson employees of MPF purporting to speak on behalf of MPF or containing confidential information or expressing opinions concerning MPF; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to a) Using MPF to send messages to people who don't know you or who are unlikely to recognize you as a known contact; and b) Using MPF to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission.

Links

The Site or third parties may provide links to other World Wide Web sites or resources. Because MPF has no control over such sites and resources, you acknowledge and agree that MPF is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that MPF shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

Modification and Notification of Changes

MPF reserves the right to make changes to the Site, related policies and agreements, these Terms and the Privacy Policy at any time. If MPF makes a material modification to the Terms, it may notify you by: (i) displaying a prominent announcement above the text of the Terms or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the Terms or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the Terms and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the Terms or the Privacy Policy, you may do so by sending an email with the subject line "Termination" to the following email address: complaints@Giftapension.com. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new Terms or Privacy Policy, as relevant.

Trademarks

“Micro Pension®” is a registered brand name and trademark of Invest India Micro Pension Services Pvt. Ltd. ("IIMPS"). All other trademarks, logos and service marks ("Marks") displayed on the Site are the property of MPF and other parties. Users are prohibited from using “Micro Pension®” and/or any other Marks, in written, oral, electronic or any other form, for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of MPF or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

Survival of Terms After Agreement Ends

Notwithstanding any other provisions of these Terms, or any general legal principles to the contrary, any provision of the Terms that imposes or contemplates continuing obligations on a party will survive the expiration or termination of the Terms.

General

If any of these Terms are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties intentions as reflected in the respective provision of the Terms, and the unenforceable term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining Terms. Headings herein are for reference purposes only and do not limit the scope or extent of any provisions or conditions contained in the Terms. These Terms and the relationship between you and MPF will be governed by the laws of India without regard to its conflict of law provisions. You agree to comply with all applicable laws and statutory requirements and to be bound by and to diligently follow and ensure compliance with the applicable laws. You and MPF agree to submit to the exclusive jurisdiction of the courts located in Delhi with respect to any legal proceedings that may arise in connection with these Terms. The failure of MPF to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to the Terms. These Terms constitute the entire agreement between you and MPF and governs your use of the Site, superseding any prior agreements between you and MPF with respect to the Site.

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