Terms And Conditions

 
The terms and conditions explain the nature and scope of the relationship between Loyalty Solutions & Research Pvt Ltd. here in referred to as "LSRPL” or "PAYBACK" (as owner and management for the program) and a member of LSRPL’s loyalty program and who is issued the PAYBACK card. The terms and conditions cover limitations and exclusions on the liability of LSRPL, PAYBACK and the PAYBACK partners.

1. Definitions
In these terms and conditions, unless the context specifies otherwise:
1.2 "LSRPL" shall mean Loyalty Solutions &Research Pvt. Limited a company incorporated under the Indian Companies Act, 1956 and having its principal place of business at Ground and First Floor, Plot No 34, Sector 44, Institutional Area, Gurgaon, Haryana, India - 122003 and such expression shall, unless it be repugnant to the subject or context thereof, include its successors, assigns, representatives and transferees
1.3 "PAYBACK Card” means a PAYBACK multi partner loyalty program card issued to a PAYBACK Member by LSRPL where a unique membership number is given to every PAYBACK member.
1.4 "PAYBACK Member(s)” means a PAYBACK customer, who is enrolled as a member of PAYBACK holding a valid PAYBACK card/membership number. Membership to the program is governed by these rules set by LSRPL for this program which are subject to change.
1.5 "PAYBACK Membership Account/ PAYBACK Membership” means the account where the PAYBACK Member's PAYBACK Points will be accumulated.
1.6 "PAYBACK Network" means all the PAYBACK Partners and PAYBACK for the time being taken as a whole.
1.7 "PAYBACK Partner" means any or all of the present or future entities, partners, shops, departmental stores, airlines, hotels, restaurants, car rental companies and other participating establishments in the program whether with online or offline presence, in agreement with LSRPL, where members can accumulate PAYBACK points for purchase of goods and services.
1.8 "PAYBACK Point(s)" is the unit currency of the program. PAYBACK Members are awarded PAYBACK Points for earn activities carried out by the PAYBACK Member within the PAYBACK network.
1.9 "PAYBACK Rewards" means the rewards as enlisted by the rewards supplier in the PAYBACK Rewards Catalog as communicated from time to time.
1.10 "PAYBACK Rewards Catalog" means the periodical rewards catalog issued and maintained by LSRPL for the program, containing the PAYBACK Rewards currently available in the program and the number of PAYBACK Points required for them.
1.11 "Program” means the PAYBACK multi partner loyalty program, managed and operated by LSRPL offering benefits, facilities or arrangements to PAYBACK Members by reason of their membership into PAYBACK program, whereby PAYBACK points are accumulated on every Earn Activity made by PAYBACK Members within PAYBACK network and such PAYBACK points may be used by the PAYBACK Member for redemption of PAYBACK Points through the PAYBACK Rewards Catalog and Redemption at PAYBACK Partners.
11.12 "Redemption" means any activity, which results in exchange of PAYBACK Points by a PAYBACK Member for PAYBACK Rewards at PAYBACK Rewards Catalog or at PAYBACK Partner
1.13 "Supplier" shall mean an independent third party responsible for the purchase and sale of the PAYBACK Rewards to the PAYBACK Members.
1.14 "Working Days” means the period from Monday to Friday.

2 General Conditions
2.1 The PAYBACK Member agrees that by using the PAYBACK Card or by entering his/her PAYBACK number at www.payback.in or at any PAYBACK Partner online or offline, he/she is deemed to have read and understood the these terms and conditions of the Program and agrees to be contacted by the PAYBACK call-centre or its telemarketer for the purpose of its insurance business and confirms that he/she is bound by these terms and conditions and any changes to it from time to time and such other terms as specified from LSRPL from time to time.
2.2 Membership into PAYBACK Program is voluntary.
2.3 LSRPL reserves the right to modify these Terms and Conditions and such changes shall be deemed effective immediately upon posting of the modified Terms and Conditions on www.payback.in . Members’ continued holding of the PAYBACK Membership Account following the posting of changes on www.payback.in will indicate their acceptance of changes.
2.4 PAYBACK membership is valid for lifetime of the PAYBACK Member unless terminated in accordance with these terms and conditions. In case of any member carrying any old membership account carrying any expiry date, may exchange the card with the new PAYBACK card having the lifetime validity at no extra cost.
2.5 PAYBACK Membership Account is not a payment medium or payment instrument.
2.6 PAYBACK Membership is non-transferable, except as specified in this terms and conditions. PAYBACK Points are non-negotiable, nonredeemable by cash and cannot be gifted, awarded or rewarded to any other person than the PAYBACK Member himself.
2.7 PAYBACK Members will be personally liable for any and all costs, taxes, charges, claims or liabilities of whatever nature arising from the provision or availability of benefits, facilities or arrangements provided or made available to a PAYBACK Member, by PAYBACK Partners, as a result of his/her membership in the Program.
2.8 The PAYBACK card at all times remains the property of LSRPL, which reserves the right at any time in its absolute discretion and without giving notice to such member to deactivate the PAYBACK Membership. The PAYBACK Member must return or destroy his/her PAYBACK card without delay whenever requested by LSRPL and in such circumstances cannot redeem the PAYBACK Points, which will automatically expire
2.9 LSRPL will endeavor to ensure that the services, benefits, facilities and arrangements as expressed or advertised by the PAYBACK Partners will be available to the PAYBACK Members. However, LSRPL will not be liable for any loss or damage, whether direct or indirect, arising from the provision or non-provision whether whole or part, of any such services, benefits, facilities or any other arrangements by the PAYBACK Partners.
2.10 When a PAYBACK Member seeks to use or obtain any of the services, benefits, facilities and arrangements as offered by the PAYBACK Partner, the provisions of such services, benefits, facilities or arrangements will be subject to the respective terms and conditions of the PAYBACK Partner, being the provider of the said benefits, facilities and arrangements.
2.11 LSRPL shall not be liable for any loss or damage, whether direct or indirect, resulting from termination or change of the Program or any of its facilities, benefits or arrangements which are made available to the PAYBACK Members, including without limitation, PAYBACK Partner's withdrawal or the withdrawal or limiting of any such services, benefits or facilities.
2.12 The Program of PAYBACK may be modified at the sole discretion of LSRPL from time to time without intimation to the PAYBACK Member.
2.13 LSRPL shall not be liable in the event it fails to fulfill any of its obligations under this terms and conditions due to flood, earthquake, storm, cyclone or any other acts of god of similar nature, war, strike, lockout, or governmental or judicial or quasi-judicial policies/intervention/direction /prohibition or change in law or for any other reasons beyond its control
2.14 A waiver of any of the terms and conditions by LSRPL shall not be deemed to be a continuing waiver, but shall apply solely to the instances to which the waiver is directed.
2.15 A PAYBACK Card shall be accepted only at locations identified in the list provided to the PAYBACK Members at www.payback.in. LSRPL can at any time without intimation to the PAYBACK Members add and / or delete PAYBACK Partners from such list. The same shall be updated on www.payback.in.
2.16 If there are any change in the contact details (mobile number/ email id/ address) of a PAYBACK member from what has been registered with PAYBACK, the member must update the respective contact details with PAYBACK immediately either through the PAYBACK website, mobile apps, contact centre or any other channels to avoid any misuse of PAYBACK Points. LSRPL shall not be liable for any loss of points or other relevant damages incurred by the member, if necessary details are not updated with PAYBACK on time.
2.17 All PAYBACK Point dispute complaints older than 45 Working Days from the date of the transaction will not be entertained. The PAYBACK Member must provide proof of transaction as required to register any PAYBACK Point dispute. 2.8 The PAYBACK card at all times remains the property of LSRPL, which reserves the right at any time in its absolute discretion and without giving notice to such member to deactivate the PAYBACK Membership. The PAYBACK Member must return or destroy his/her PAYBACK card without delay whenever requested by LSRPL and in such circumstances cannot redeem the PAYBACK Points, which will automatically expire.
2.18 The PAYBACK Member acknowledges and understands that PAYBACK is merely an intermediary and does not assume any liability or acquire any right, title or interest in the Rewards. PAYBACK is only engaged in the management of the Rewards displayed in the PAYBACK Rewards Catalog; however all the Rewards are offered by the Vendors and Partners to the Members directly.

3 Enrolment in the Program
3.1 It is the PAYBACK Members' responsibility to share the correct communication details with PAYBACK at the time of enrolling into the Program
3.2 Prospective PAYBACK Members can enroll into the Program at selected PAYBACK Partner outlets or on www.payback.in, by filling in the registration form. PAYBACK Partners may also enroll prospective PAYBACK Members to the Program.
3.3 PAYBACK shall reserve the right to offer the Program by invitation to any Prospective PAYBACK Members as it may deem fit. Membership to the Program is at the sole discretion of PAYBACK and it may refuse membership to any applicant without assigning any reasons.
3.4 Each PAYBACK Member can have a maximum of one PAYBACK Card at any point in time, unless otherwise specified. If a PAYBACK Member is found to have multiple memberships in the Program, PAYBACK may choose to restrict any of the PAYBACK Membership.
3.5 If a PAYBACK Member holds more than one PAYBACK Card, it is advisable that the PAYBACK Member calls ‘PAYBACK Contact Center’ requesting an account aggregation. PAYBACK on such request shall cancel that card(s) which the PAYBACK Member does not want to retain and transfer the PAYBACK Points, earned if any, into a single PAYBACK Membership Account

4 Use of PAYBACK Card and PAYBACK Membership
4.1 By using his/her PAYBACK Card and/or stating his/her PAYBACK number to LSRPL and/or any PAYBACK Partners, a PAYBACK Member grants his/her consents to LSRPL creating, storing, maintaining and updating the PAYBACK Member’s data. Such data shall include membership data (like name, address, telephone number, mobile number, date of birth, areas of interest, preferences etc. as provided by the PAYBACK Member), usage data (including without limitation, transactions and PAYBACK Points accrued at various PAYBACK Partners, etc.), and data concerning contacts with LSRPL (including without limitation, enquiry regarding membership) for the purpose of providing relevant information and customer services to the PAYBACK Member. in connection with the Program. All data relating to the PAYBACK Members shall be protected and used by LSRPL in the manner indicated in LSRPL’s Privacy Policy.
4.2 If any PAYBACK Member loses the PAYBACK card, the PAYBACK member must inform ‘PAYBACK Contact Center’ immediately. Till such time the loss has been reported to LSRPL, LSRPL shall not be liable for any losses incurred by misuse of such PAYBACK Card. A new PAYBACK Card will be issued to such PAYBACK Member on request after blocking and cancellation of the old PAYBACK Card and after due and proper verification by PAYBACK. The fresh PAYBACK Card will indicate a fresh PAYBACK Card number, however all other PAYBACK Membership Account details and the PAYBACK Points will continue to be retained as is.

5 Accrual of PAYBACK Points
5.1 PAYBACK Members can accrue PAYBACK Points earned by them through a transaction with a PAYBACK Partner for the purchase of goods or services paid by cash, credit/debit card, cheque, online payment, standing instruction or any other means of payment agreed upon by the PAYBACK Partner.
5.2 PAYBACK Members will also be awarded PAYBACK Points for non-transactional activities which include goodwill points as well as bonus points. Bonus points would be communicated from time to time through www.payback.in or through any other means of communication as decided by PAYBACK from time to time.
5.3 PAYBACK Points awarded may vary between different PAYBACK Partners depending on the arrangement with the PAYBACK Partner. Details of all PAYBACK Points will be communicated to the PAYBACK Members through www.payback.in or through any other means of communication as decided from time to time.
5.4 To accrue PAYBACK Points, a PAYBACK Member must present his/her PAYBACK Card or PAYBACK number at the time of completing the Earn Activity. If a PAYBACK Member fails to present the PAYBACK card or PAYBACK membership number when visiting or on availing such services, this may result in the applicable PAYBACK Points not being accrued by the PAYBACK Member and in such instance PAYBACK or the PAYBACK Partner shall not be responsible in this regard.
5.5 The method of earning PAYBACK Points from PAYBACK Partners is subject to change from time to time. Such changes will be communicated through www.payback.in and through any other means of communication as decided by LSRPL from time to time.
5.6 PAYBACK Partners may change any of the terms and conditions of their business at any time without notice to the PAYBACK Member. PAYBACK is not responsible for informing PAYBACK Members of any such changes. PAYBACK has no liability for the acts and omissions of the PAYBACK Partners.
5.7 All PAYBACK Members are required to obtain and preserve for a period of 45 Working Days appropriate documentation for all transactions done with PAYBACK Partners that earn PAYBACK Points. It is the PAYBACK Member's responsibility to ensure that the Electronic Data Collection generated transaction slip is accurate.
5.8 PAYBACK has no liability for the acts and omissions of the PAYBACK Partners.

6 PAYBACK Points calculation
6.1 PAYBACK Points accrued through transactions at PAYBACK Partners shall be credited to member's account within 45 working days.
6.2 PAYBACK Points accrued through any other Earn Activity shall be credited to PAYBACK Member's account within such period as is mentioned for such Earn Activity
6.3 PAYBACK Point’s will not be credited back in the PAYBACK Membership Account in case the PAYBACK Member decides to return the goods and services, forfeited and unused services or Goods or services acquired by using PAYBACK Points
6.4 PAYBACK Points are accrued in whole. PAYBACK Members will not be awarded PAYBACK Points in fractions.
6.5 PAYBACK Points are valid for a period of three years from the date of transaction within the PAYBACK Network. PAYBACK Points shall expire after a time determined by PAYBACK and the PAYBACK Member shall not be entitled to redeem any of such lapsed PAYBACK Points.
6.6 The PAYBAC K membership has lifetime validity, but the points carry a three year validity and is guided by the terms mentioned in clause
6.7 PAYBACK Points from a PAYBACK Member's account cannot be pooled or combined with the PAYBACK Points of another PAYBACK Member's account.
6.8 If PAYBACK Members participate in Earn Activities at more than one PAYBACK Partner, subject to the consent of the PAYBACK partners, the PAYBACK Members are eligible for multiple memberships in the Program and the PAYBACK points will be credited to the respective PAYBACK membership accounts.
6.9 Complaints on PAYBACK Points not credited to account from any PAYBACK Partner will be entertained only if the date of transaction is not older than 45 working days. The PAYBACK Member must provide proof of transaction as required by LSRPL to register any PAYBACK Point dispute.
6.10 The respective PAYBACK Partners are responsible for the PAYBACK Points issued under this Program and if any of them goes into liquidation or non-payment for these points or any similar event, LSRPL shall not be liable to honour PAYBACK Points which have been credited to the PAYBACK Membership account and are yet to be redeemed, but have not been fully funded by the PAYBACK Partner as on that date. In such an event, such PAYBACK Points will be removed from the PAYBACK Membership Account without prior intimation.

7 Transfer of PAYBACK Points
7.1 At no time can PAYBACK Points be credited to or PAYBACK Rewards request be issued to, purchased by, or sold to or otherwise transferred to any person other than the PAYBACK Member. Any such PAYBACK Points or requests for PAYBACK Rewards are void. Any person who commits such acts is liable for damages, litigation and related costs to PAYBACK, which reserves the right, to terminate the PAYBACK membership of the transferor or remove such person from the PAYBACK Network or deactivate such transferor’s PAYBACK Membership Account.

8 PAYBACK Point statement, Program updates & notices
8.1 PAYBACK Members can call the ‘PAYBACK Contact Center’ numbers or register on www.payback.in in the "My Transaction” page for obtaining a summary of their recent transaction and obtaining their PAYBACK Point balance.
8.2 Any notice, information, intimation, change, modification, alteration of the PAYBACK Rewards Catalog shall be deemed to have been given to the PAYBACK Member forthwith upon updating HYPERLINK http://www.payback.in of such changes, modification, alteration or notice on

9 Redemption of PAYBACK Points

9.1. PAYBACK Points can either be redeemed at the PAYBACK Rewards Catalogue or at any of the PAYBACK Network Partners, subject to the PAYBACK Member providing the required credentials (i.e. PAYBACK Member information)

9.2. PAYBACK Rewards Catalogue is available at www.payback.in (PAYBACK web-site) and captures the products and services which are available as PAYBACK Rewards against PAYBACK Points accumulated by a PAYBACK Member. Redemption on PAYBACK Rewards Catalogue can be done by approaching the ‘PAYBACK Contact Center’ or through logging in at www.payback.in

9.3. All products and services featured in the PAYBACK Rewards Catalogue are subject to availability and Seller(s) warranties and conditions at the time of claiming the PAYBACK Rewards. In case any product or service selected by a PAYBACK Member is not available, PAYBACK Members may proceed to choose / select from the other available products and services from the PAYBACK Rewards Catalogue.

9.4. On receipt of the PAYBACK Rewards request by ‘PAYBACK Contact Center’ or www.payback.in or visiting selected online and offline PAYBACK Network Partners, the specified number of PAYBACK Points will automatically be deducted from the accumulated PAYBACK Points from the PAYBACK Members account.

9.5. All requests issued for PAYBACK Rewards are subject to any statutory regulations, rules and restrictions, if any and the PAYBACK Member agrees to abide by such statutory regulations, rules and restrictions.

9.6. PAYBACK Rewards have no monetary refund value.

9.7. For the purpose of redemption, the PAYBACK Member will directly enter into a sale and purchase relationship with the concerned PAYBACK Network Partner(s)/ Seller(s) of the PAYBACK Rewards. PAYBACK only facilitates redemption of PAYBACK points.


9.8.  Redeemed Rewards are not exchangeable for other rewards or refundable (except as stated under clause 15 of these terms).
 
10 Termination of PAYBACK membership
10.1 A PAYBACK Member may terminate his/her PAYBACK membership by calling ‘PAYBACK Contact Center’ and requesting for termination. The PAYBACK Member shall provide the required credentials vis-a-vis customer information already provided by the PAYBACK Member.
10.2 Misuse of PAYBACK card or the membership benefits may result in termination of the membership or withdrawal of benefits at the sole discretion of LSRPL.
10.3 Disqualification of a PAYBACK Member, arising out of his/her misconduct, fraud and misuse of PAYBACK Rewards or acts in a manner inconsistent with any central/state/local laws, statutes or ordinances, may result in immediate termination of PAYBACK membership and cancellation of all PAYBACK Points and PAYBACK Rewards. Any PAYBACK Member so disqualified shall not be entitled to redeem his PAYBACK Points after such disqualification.
10.4 Upon the death of a PAYBACK Member, his/her PAYBACK membership account will be closed and all outstanding PAYBACK Points will expire.

11 Miscellaneous
11.1 Settlement of disputes: terms and conditions, set herein, shall be governed by the laws of India only. All disputes arising under the terms and conditions shall be attempted to be resolved through negotiations. Only in case, such negotiations are unsuccessful, the Member shall resort to legal recourse, which shall be subject to the exclusive jurisdiction of the competent courts in New Delhi only. All claims and disputes arising under the terms and conditions should be notified to LSRPL within 45 working days from the event date after which no PAYBACK Member shall have any claim against LSRPL.
11.2 LSRPL or its Parent Company shall have the right to transfer, assign and sell in any manner, in whole or in part, the Program to any third party of its choice without reference or intimation to the PAYBACK Members.
11.3 PAYBACK membership enrollment and eligibility, earning PAYBACK Points, claiming PAYBACK Rewards, availability of PAYBACK Rewards and redemption are subject to the terms and conditions herein and are subject to any applicable laws and regulations.
11.4 LSRPL reserves the right to terminate the Program, by giving 30 working days notice to all PAYBACK Members.
11.5 Upon termination or withdrawal of the Program, all PAYBACK Members will be given 30 working days time within which they may use the PAYBACK Points in their PAYBACK Membership Account to request for PAYBACK Rewards, after which the PAYBACK Points will be purged or cancelled.
11.6 PAYBACK and PAYBACK Partners shall not be liable to any PAYBACK Member or his/her nominee or companion, for any indirect or consequential loss, damage or expense of any kind whatsoever, arising out of or in connection with PAYBACK, including the functioning of the helpline and/or www.payback.in, and/or provision or the refusal to provide any benefits, whether such loss, damage or expense is caused by the negligence or otherwise, and whether LSRPL and/or any of its PAYBACK Partners have any control over the circumstances giving rise to the claim or not.
11.7 Every PAYBACK member acknowledges, represents and warrants that he is the sole and exclusive owner of his PAYBACK card and the only authorized user of his PAYBACK account's Username and Password. PAYBACK member also accepts the sole responsibility to keep his PAYBACK card &ersand; account details confidential. He is responsible for all the orders placed and other activities in the account (like profile changes, address change).
11.8 PAYBACK will not ask for PAYBACK Member’s password and other details through any e-mail or SMS. Please beware of spam mails and phishing and do not share your PAYBACK Membership Account details with mail id which appear to be coming from unauthorized sources.
11.9 How do I DELINK my mobile number from my PAYBACK account? SMS DELINK from your linked number to 9212146468. (Please remember to carry your PAYBACK card, everytime you go shopping once you delink your Mobile number)

12 Redemption terms and conditions

Definitions

“Complaint” means any compliant, claims, issues, queries etc. raised by any PAYBACK Member in connection with a Reward or their experience in using Reward Catalogue (including for reasons including but not limited to delay in receiving the reward, receipt of damaged/defective reward, wrong delivery, reward quality related issues, etc.

“PAYBACK Member(s)” means a PAYBACK customer, who is enrolled as a member of PAYBACK holding a valid PAYBACK card/membership number. Membership to this Program is governed by these rules set by PAYBACK for this program which are subject to change.

“Points + cash” shall mean the feature available in the Rewards Catalogue for PAYBACK Members to have the option to redeem using a) points and b) cash by making payment  through a payment gateway (including in the form of Credit cards, Debit cards, Internet  banking, Mobile payments , cash cards,). All payment gateway transactions processed are managed by our Seller(s)

Minimum 100 PAYBACK points will be required for carrying out Points + Cash transaction

 

“Order delivery TAT” means time taken to deliver Rewards to the PAYBACK Member from the date of receipt of an order from the PAYBACK Member and timelines for the same as given in the product delivery section

“Rewards” shall mean such products and services made available to the PAYBACK Members

“Reward Catalogue” shall mean the catalogue wherein the PAYBACK Member shall have the option to redeem their PAYBACK Points at PAYBACK Web-site or at PAYBACK Contact Centre

"Redemption" means any activity, which results in exchange of PAYBACK Points by a PAYBACK Member for PAYBACK Rewards at PAYBACK Rewards Catalogue or at PAYBACK Partner Networks

“Reward(s)” shall mean such products and services made available to the PAYBACK Member/s,

“Seller(s)” shall mean any independent third party responsible to manage the Rewards catalogue and the  sale of the  Rewards to PAYBACK Members.  All redemption orders & services are managed by the Seller(s).

“Payment gateway Merchant address”: Rewards360 Global Service Pvt. Ltd., 2/2 Lavelle Road, Bangalore-560001

 

PAYBACK Rewards catalogue terms and conditions

1.      The PAYBACK Rewards Catalogue facilitates the online sale and purchase of merchandise and services ("Services") offered by Seller(s) / registered merchants/ vendors/ service providers ("Seller(s)") all terms are offered by and agreed to be between PAYBACK Member and Seller(s) alone. The terms include without limitation price, shipping costs, payment methods, payment terms, date, period and mode of delivery, warranties related to products and services and after sales services related to products and services. PAYBACK does not have any control or does not determine or advise or in any way involve itself in the offering or acceptance of such commercial/contractual terms between the PAYBACK Member/s and Seller/s.

 

2.      Availability of the Rewards and PAYBACK Points required for Redemption in PAYBACK Rewards Catalogue are subject to change without prior notice.

 

3.      All Rewards sent will be as per the description mentioned in the PAYBACK Rewards Catalogue

 

4.      Selection of Rewards offered for Redemption in Rewards Catalogue is and will be at the sole discretion of PAYBACK or its Seller(s) and is liable to change without prior notice.

 

5.      PAYBACK will not be held responsible where any Seller(s) of rewards withdraws, cancels, becomes non- functional, alters or amends those rewards or any terms attached thereto.

 

6.      PAYBACK is not responsible for changes to, or discontinuance of, any Seller(s) or Seller(s) product or service, or if any Seller(s) withdraws from this program or for any effect on or devaluation of rewards caused by such change, discontinuance, or withdrawal. PAYBACK Members may not rely upon the continued availability of any rewards or award level.

 

7.      PAYBACK does not accept liability for damage to persons or property whatsoever caused in relation to Rewards redeemed by PAYBACK Members in the Program.

 

8.      Rewards image displayed on the Rewards Catalogue is merely indicative and subject to change as per availability and is not final.

 

9.      While availing the Points + Cash redemption option  on the PAYBACK Website:-

 

9.1 PAYBACK will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to PAYBACK Members due to:

a.      Lack of authorization for any points+cash  transaction/s, or

b.      Exceeding the pre-set limit mutually agreed between PAYBACK Member and his/her "Bank/s", or

c.       Any payment issues arising out of the points + cash transaction, or

d.      Decline of transaction for any other reason/s

 9.2      Further:

a.       PAYBACK Members have specifically authorized the Seller(s) to collect, process, facilitate and remit payments and / or the Transaction Price (in case of points+cash Transaction/s) electronically in respect of points+cash transactions through Payment Facility.

b.       PAYBACK Members understand, accept and agree that the payment facility provided by  Seller(s) is neither a banking nor financial service but is merely a facilitation of providing an electronic, automated online electronic payment collection and remittance facility for the points+cash Transactions on the PAYBACK website using the existing authorized banking infrastructure and Credit Card payment gateway networks. Further, by providing Payment Facility, PAYBACK is neither acting as trustees nor acting in a fiduciary capacity with respect to the points + cash Transaction or the Transaction Price.

c.       PAYBACK Members understand that upon initiating a points+cash Transaction PAYBACK Member is entering into a legally binding and enforceable contract with the eller(s) to purchase the products and /or services from the Seller(s) using the Payment Facility, and PAYBACK members shall pay the Transaction Price through his/her Issuing Bank to the Seller(s) using Payment Facility.

 

d.      Seller(s) reserves the right to impose limits on the number of points+cash Transactions or Transaction Price which Seller(s) may receive from on an individual valid Credit/Debit/ Cash Card / Valid Bank Account/ and such other infrastructure or any other financial instrument directly or indirectly through payment aggregator or through any such facility authorized by Reserve Bank of India to provide enabling support facility for collection and remittance of payment or by an individual Buyer during any time period, and reserves the right to refuse to process points+cash Transactions exceeding such limit.

 

e.      Seller(s) reserves a right to do such checks as it deems fit before approving the receipt of PAYBACK Member’s commitment to pay Transaction Price for security or other reasons. Seller(s) may seek PAYBACk’s assistance to conduct/carry out these checks. As a result of such check if Seller(s) is not satisfied with the creditability of the PAYBACK Members or genuineness of the points + cash Transaction / Transaction Price, it will have the right to reject the receipt of PAYBACK Member’s commitment to pay Transaction Price.

 

10.  PAYBACK/Seller(s)  reserves the right to refuse to process any Transactions (whether by using PAYBACK Points or Points + cash) by PAYBACK Members with a prior history of questionable charges including without limitation breach of any agreements by PAYBACK Member with PAYBACK or breach/violation of any law or any charges imposed by Issuing Bank or breach of any policy.

11.  PAYBACK Members acknowledge that PAYBACK will not be liable for any damages, interests or claims etc. resulting from not processing a Transaction/Transaction Price or any delay in processing a Transaction / Transaction Price which is beyond the control of PAYBACK.

12.  All Valid Credit / Debit/ Cash Card/ and other payment instruments are processed using a Credit Card payment gateway or appropriate payment system infrastructure and the same will also be governed by the terms and conditions agreed to between the PAYBACK Member and his/her respective Issuing Bank and payment instrument issuing company.

13.  All Online Bank Transfers from Valid Bank Accounts are processed using the gateway provided by the respective Issuing Bank which supports Payment Facility to provide these services to the PAYBACK Members. All such Online Bank Transfers on Payment Facility are also governed by the terms and conditions agreed to between PAYBACK Member and his/her respective Issuing Bank.

 14.  Warranties / Guarantee

14.1 All warranties and guarantees on the PAYBACK Rewards are the sole responsibility of the     Seller(s) (except in some cases where the warranty or guarantee may be from the manufacturer(s)) providing the PAYBACK Rewards. LSRPL shall not be liable or responsible for any defect or deficiency in the PAYBACK Rewards, whatsoever. All guarantees and warranties on the PAYBACK Rewards shall be transferred as is from the manufacturer or the Seller(s).

14.2 PAYBACK Members must contact the respective Seller(s) / Manufacturer (in case of manufacturer warranty) in the event of any defect or deficiency in the PAYBACK Rewards redeemed. Alternatively within the warranty period, the PAYBACK Member may choose to contact ‘PAYBACK Contact Center’ for any defect or deficiency in the PAYBACK Rewards. In such event, PAYBACK will purely act as a complaint routing agent. PAYBACK will not be liable or responsible for the products and services offered through the PAYBACK Rewards Catalogue and PAYBACK gives no warranty or representation either express or implied with respect to type, quality or fitness of goods acquired or their suitability for any purpose provided by the Supplier under this Program, whatsoever.

 

14.3 PAYBACK Rewards in the nature of gift vouchers or vouchers featured in the PAYBACK Rewards Catalogue always carry a validity period, post which these vouchers will not be honored by the Seller(s) or issuer of gift voucher. All gift vouchers will be subject to their respective terms and conditions of the Seller(s). Kindly note that Gift vouchers should be utilized within expiry dates mentioned on the voucher. Gift Vouchers will not be revalidated under any circumstances

14.4 In case of non-receipt of the warranty card /Invoice (comprising of Seller’s       warranty) for any PAYBACK Reward, the PAYBACK Member must contact PAYBACK Contact Center and inform of non-receipt.

15        Product Delivery

15.1 Seller(s) to ensure that delivery of PAYBACK rewards are fulfilled within

·         10 days (for products dispatched through courier services like Blue Dart / Aramex / First Flight etc.)

·         30 days (for orders dispatched through Speed Post  / India Post)

·         30 days (for white goods and kitchen appliances dispatched through road  transport)

of the receipt of the order  unless the delay is due to conditions beyond the control of the Seller(s) or unless otherwise specified.

15.2 Redemption orders from PAYBACK Members once given to LSRPL cannot be cancelled.

15.3 PAYBACK Rewards once delivered cannot be returned or cancelled by a PAYBACK member, unless there is a defect in the PAYBACK Rewards.

15.4 For Rewards delivered through electronic mediums such as email/SMS, cannot be cancelled once placed.

15.5 Reward redemption for air travel. Holiday packages and hotel bookings can be cancelled as per the travel operators policy and guidelines.

15.6 For all Redemptions on www.PAYBACK.in, please ensure your contact details are valid and accurate. If not, please update your PAYBACK Membership Account by logging in to www.PAYBACK.in or calling ‘PAYBACK Contact Center’.

15.8 If a PAYBACK Member has not given the correct address or is not available at the mentioned address at the time of delivery, the PAYBACK Reward will be delivered by the Seller(s) to the person available at the given address. PAYBACK shall not be held responsible and do not take any liability in such instance.

15.9 If PAYBACK does not receive any complaint of non-receipt of PAYBACK Reward within twenty (20) working days from the date of delivery of the PAYBACK Rewards it shall be deemed that the PAYBACK Member has received the PAYBACK Reward.

15.11 Delivery of the PAYBACK Reward to the opted office address or apartment address will be done at the reception or the front desk, as the case may be. Such delivery of PAYBACK Rewards would be at the sole risk of the PAYBACK Member.

15.12 On Redemption, the specific number of PAYBACK Points would automatically be removed from accumulated PAYBACK Points in the PAYBACK Member's account.

15.13 PAYBACK Points are redeemable only against rewards, vouchers or services as featured in PAYBACK Rewards Catalogue as updated from time to time, as well as within the PAYBACK Partner Network/s. Information supplied by a PAYBACK Member on the Redemption of certain PAYBACK Rewards may be used by PAYBACK or the Seller(s) for the purposes of fulfilling the Redemption request.

15.14 Order confirmation mails will be sent for all orders placed through PAYBACK Contact center and PAYBACK Web-site

15.15 For all web orders, Please ensure shipping address, Mobile number & email address is checked before the order is placed on website. This information can be viewed under the “My account” section

15.16 SMS update will be sent to the PAYBACK Members after placing a redemption order at the PAYBACK Rewards Catalogue. This SMS will be sent to the mobile number provided by the PAYBACK Member. PAYBACK will not be responsible for any blockage, restriction or regulation imposed by regulators, leading to inability of communication or delay in communication of any updates or information, whatsoever.

15.17 PAYBACK reserves the right to change or cancel the Program, substitute or change the Rewards without prior notice. PAYBACK can suspend or terminate the Program any time it deems necessary. Redemption claims submitted prior to the effective date of the change or cancellation of the Program will still be honored within a 30-day time limit.

15.18 Fraud and abuse relating to redemption of PAYBACK points in the Program will result in the forfeiture of the points as well as termination of the PAYBACK Member account.

15.19   Any taxes or other liabilities or charges payable to the government or any other authority or any Seller(s) which may arise or accrue to a PAYBACK Member by redemption as aforesaid or otherwise as a result of the Program shall be to the sole account of the PAYBACK Member.

15.20 In the event of a dispute between PAYBACK and a PAYBACK Member on the PAYBACK Reward will be subject arbitration in Gurgaon as per the Indian Arbitration and Conciliation Act, 1996. The number of Arbitrators shall be three, where each Party will have the right to appoint one (1) Arbitrator and the two (2) Arbitrators will appoint the third Arbitrator. The language to be used in the arbitral proceedings will be English

15.21 All logos and trademarks on the PAYBACK Rewards Catalogue and on the PAYBACK Rewards are owned by the respective companies.

15.22 The PAYBACK Member acknowledges and agrees that PAYBACK shall not be liable or responsible for the Rewards offered through the PAYBACK Rewards Program. All Rewards are offered to the Members directly by the Seller(s).

15.23 PAYBACK shall not be held liable for any damage caused to the PAYBACK Reward while in transit from the Seller(s) location to the PAYBACK Members’ location. All complaints regarding the same shall fall within the terms cited in clause 13 herein above (Warranty / Guarantee).

16. Return / Exchange Policy.

If the PAYBACK redemption order delivered to the PAYBACK member is damaged, or defective, or is different from what was ordered from the Seller(s), product can be returned as per the return policy. To get a defective item replaced, please follow the following steps:-

16.1     PAYBACK members can log their complaint for the Reward received on PAYBACK web-site or  contact PAYBACK contact center, within 7 days from the date of delivery of the Reward.

16.2     The Seller(s) will communicate to the PAYBACK Member with further resolution steps which may include

1) Organize the brand service team to resolve the complaint  

2) In some instances PAYBACK member, may need to visit the brand service center

3) The Seller(s) may organize a courier pick up of the defective/damaged product and reship         a replacement.

16.3     Return of a product will be accepted by the Seller(s) only if it is unused and is with the original packing along with accessories / warranty cards / user manuals / tags / labels if any for branded products only.

16.4     In case Seller(s) of the product is unable to replace the damaged / defective product due to non-availability of stock or the product is returned to origin due to courier non-serviceability issues, PAYBACK points and the Transaction value (in case of points +cash transactions) in INR (if applicable) will be refunded to the member’s account.

17. Refund Policy

17.1 In case of refunds, the PAYBACK points consumed for that specific order would be reversed back to the PAYBACK account. Similarly, the cash portion if any would be reversed back to the Credit / Debit / Net Banking account by the Seller(s).

17.2 Refund, if any, shall be made at the same Issuing Bank from where cash amount was received.

17.3 Refund shall be made in Indian Rupees only and shall be equivalent to the cash amount received in Indian Rupees.

17.4 For electronics payments, refund shall be made through payment facility using NEFT / RTGS or any other online banking / electronic funds transfer system approved by Reserve Bank India (RBI).

17.5 Refund shall be conditional and shall be with recourse available to PAYBACK in case of any misuse by PAYBACK Member.

17.6 Refund shall be subject to PAYBACK Member complying with Policies.

17.7 Refunds for any cancelled / returned orders would be processed within seven working days

18. Issuance of PAYBACK Points on cash portion using Points + Cash option   


18.1 PAYBACK Points will be credited to PAYBACK Member’s account on the cash portion only using Points + Cash option. 4 PAYBACK points will be credited for every Rs.100 transacted using points + cash option on www.PAYBACK.in For the sake of clarity PAYBACK Points will be credited for using Points + cash functionality only, for the cash equivalent proportion. Points will be credited within 7 days from the Rewards delivered date.
16. NATIONAL PARTNERS
MakeMyTrip.com
1. Accrual of PAYBACK Points through approved transactions with Makemytrip.com is as per the following earning structure:
Products and Services Per Rs. 100 spend*
DOM Flights 2
OB Flights 2
Hotels 4
DOM Holidays 2
OB Holidays 2
FPH 2
Bus 2
*Spent Amount = Base Amount + Taxes - Add On Services – Any Discount Availed
2. To accrue PAYBACK points, the PAYBACK member must quote his/her PAYBACK card number at the time of completing the transaction. If a member fails to quote PAYBACK card number when availing products or services as mentioned in point no. 1 herein above, will result in failure to earn the PAYBACK points by the member and MAKEMYTRIP shall not be responsible in this regard.
3. PAYBACK and MakeMyTrip.com shall have the right to change, limit, modify or cancel the rules, regulations, rewards, or PAYBACK Point structure of the program at any time without any notice to the Payback Members.
4. PAYBACK and Make MyTrip will not be responsible for any delay, misdirected, incomplete transaction made by the PAYBACK Member.
5. All PAYBACK Points earned by the PAYBACK Member, shall be credited to the PAYBACK Member’s Membership Account within 48 Hrs after travel end date or maximum 45 working days.
6. PAYBACK Member can earn points from MakeMyTrip.com only for the base amount of the transaction i.e., Total Transaction Amount reduced by the Total Tax and any other discount availed.
7. MakeMyTrip shall not be liable for any loss or damage, whether direct or indirect, resulting from termination or change of the Program or any of its facilities, benefits or arrangements which are made available to the PAYBACK Members, by PAYBACK Partners, including without limitation, PAYBACK Partner's withdrawal or the withdrawal or limiting of any such services, benefits or facilities
8. Make My Trip shall not be liable in the event it fails to fulfill any of its obligations under this terms and conditions due to flood, earthquake, storm, cyclone or any other acts of god of similar nature, war, strike, lockout, or governmental or judicial or quasi-judicial policies/intervention/direction /prohibition or change in law or for any other reasons beyond its control.
9. PAYBACK Members are required to obtain and preserve for a period of 60 Working Days, from the travel end date, all appropriate documentation (including Electronic Data Collection generated transaction slip) for transactions done with Make MyTrip that earn PAYBACK Points.
10. The PAYBACK Member shall also be governed by the terms and conditions, disclaimers and privacy policy of Make My Trip and My Trip Rewards with respect to availing/purchasing Products and services of Make My Trip and and the Program terms and conditions with respect to usage of PAYBACK Card.
11. The terms and conditions under this section are subject to change by the management of Make My Trip.com at their discretion.

ICICI Bank
ICICI Bank's Debit Card terms and conditions:
1. ICICI Bank has entered into an agreement with LSRPL to participate in the Program.
2. Select ICICI Bank Credit Card holders are eligible to earn PAYBACK points on their ICICI Bank Credit Card (they can earn points for all qualifying transactions which are defined by ICICI Bank) purchase transactions. The reward points are issued by ICICI Bank.
3. All Rewards points earned on ICICI Bank Credit Card Rewards program shall be transferred as PAYBACK Points in the Program (earlier i-mint).
4. PAYBACK shall arrange to create necessary PAYBACK Membership Accounts for the active Credit Card customers as intimated by ICICI Bank to PAYBACK. PAYBACK shall arrange to link the respective Credit Card account with PAYBACK membership account. PAYBACK at its discretion will decide the issuance of PAYBACK membership account and PAYBACK Card.
5. ICICI Bank Credit Card customers shall have to contact the PAYBACK Contact Centre to check their PAYBACK membership and PAYBACK Card status.
6. ICICI Bank shall be responsible for all computation of ICICI Bank Credit Card Rewards program points issued to their Credit Card customers. Any dispute on the ICICI Bank Credit Card reward points shall have to be referred to them through their respective customer care numbers as mentioned on the website: www.icicibank.com
7. All ICICI reward points issued on your ICICI Bank Credit Card Rewards program shall be credited on your PAYBACK membership account within 45 days of receipt of data from ICICI Bank. Additional PAYBACK Points can be earned through the PAYBACK Card for their purchases at the select participating PAYBACK Partners upon swiping of the PAYBACK Card/quoting the card number and for eligible purchase transaction(s).
8. Redemption of the PAYBACK Points and the usage of PAYBACK Card will be allowed as per Program terms and conditions.
9. ICICI Bank identifies a credit card customer as delinquent based on the terms and conditions listed on their website(www.icicibank.com) and communicates the same to PAYBACK. PAYBACK shall purge the points issued by ICICI Bank for qualifying purchase transactions using credit cards under the PAYBACK reward program.
10. For all other info, please see our privacy policy.
ICICI Bank’s Credit Card terms and conditions:
1. ICICI Bank has entered into an agreement with LSRPL to participate in the Program
2. Select ICICI Bank Credit Card holders are eligible to earn PAYBACK points on their ICICI Bank Credit Card (they can earn points for all qualifying transactions which are defined by ICICI Bank) purchase transactions. The reward points are issued by ICICI Bank.
3. All Rewards points earned on ICICI Bank Credit Card Rewards program shall be transferred as PAYBACK Points in the Program (earlier i-mint).
4. PAYBACK shall arrange to create necessary PAYBACK Membership Accounts for the active Credit Card customers as intimated by ICICI Bank to PAYBACK. PAYBACK shall arrange to link the respective Credit Card account with PAYBACK membership account. PAYBACK at its discretion will decide the issuance of PAYBACK membership account and PAYBACK Card.
5. ICICI Bank Credit Card customers shall have to contact the PAYBACK Contact Centre to check their PAYBACK membership and PAYBACK Card status.
6. ICICI Bank shall be responsible for all computation of ICICI Bank Credit Card Rewards program points issued to their Credit Card customers. Any dispute on the ICICI Bank Credit Card reward points shall have to be referred to them through their respetive customer care numbers as mentioned on the website: www.icicibank.com
7. All ICICI reward points issued on your ICICI Bank Credit Card Rewards program shall be credited on your PAYBACK membership account within 45 days of receipt of data from ICICI Bank. Additional PAYBACK Points can be earned through the PAYBACK Card for their purchases at the select participating PAYBACK Partners upon swiping of the PAYBACK Card/quoting the card number and for eligible purchase transaction(s) .
8. Redemption of the PAYBACK Points and the usage of PAYBACK Card will be allowed as per Program terms and conditions.
9. ICICI Bank identifies a credit card customer as delinquent based on the terms and conditions listed on their website(www.icicibank.com) and communicates the same to PAYBACK. PAYBACK shall purge the points issued by ICICI Bank for qualifying purchase transactions using credit cards under the PAYBACK reward program.
10. For all other info, please see our privacy policy.


HPCL
1.Earn 1 Point For Every Rs. 100/-, for spends upto Rs. 15,000/- per month. However no single transaction/ swipe shall be for a sum exceeding Rs. 5,000/- & maximum of 2 transactions at HPCL outlets per day.
2. PAYBACK Members would be awarded points only at the time of transaction at point of sale.
3. No PAYBACK Points will be credited to PAYBACK Member’s account in case they do not enter / state their PAYBACK card / Membership Account number at the time of purchase.
4. The PAYBACK points would be credited in 7 working days from the date of transaction , irrespective of mode of payment, i.e. Cash, credit card, debit card, cheque, DD etc.
5. In case the dealer is extending credit to the PAYBACK Member for his purchase, the dealer holds the right to refuse awarding of PAYBACK Points to such PAYBACK Member.
6. In case a PAYBACK Member is a member of 2 different HPCL loyalty programs, the PAYBACK Member will be rewarded points only through one of the programs for the transaction as determined by HPCL.
7. PAYBACK Points will be awarded only on purchase of fuel and lubes at the participating outlets listed on www.payback.in
8. More than two transactions in a day at any participating HPCL outlets will not be credited to the PAYBACK Membership Account.
9. The PAYBACK Card is not meant for travel agents and would not be eligible for any PAYBACK Points. In case it is found that a travel agent has accrued points by not disclosing his status as travel agent all the PAYBACK Points so accrued will be purged.
10. The terms and conditions under this section are subject to change by the management of HPCL at its own discretion.
11. The PAYBACK Member shall also be governed by the terms and conditions, disclaimers and privacy policy of HPCL with respect to use of services of HPCL and the Program terms and conditions with respect to usage of PAYBACK Card.
12. PAYBACK Members shall not be eligible for Loyalty Points for fuel purchases using HPCL promoted payment cards which include Drive Track Plus card, HPCL- ICICI Bank co-branded credit/debit cards &ersand; all American Express cards. This condition is subject to change by the management of HPCL at its sole discretion.

FUTURE GROUP
1. FUTURE GROUP has entered into an agreement with LSRPL to participate in the Loyalty Program. Refer to www.payback.in for updated list of FUTURE GROUP affiliates, participating in the PAYBACK Loyalty program.
2. By becoming a PAYBACK Member, the Member authorizes FUTURE GROUP (as Participating Partner of PAYBACK) to communicate, from time to time, regarding contact details provided by the Member, information on offers related to the PAYBACK Program etc.
3. PAYBACK points awarded at FUTURE GROUP may vary and may exclude certain range of merchandise. For e.g. Mobiles, Jewellery, etc. Refer PAYBACK website for updates and amendments on earning of PAYBACK points program terms, conditions and procedures.
4. Transactions made through credit note purchase do not qualify for PAYBACK points.
5. This card can be used at all PAYBACK participating partner
6. Points accrued by a PAYBACK customer will be credited to their account, only after 72 hrs from issuance of points.
7. The registration process will be completed within a period of 4 weeks from the date of receipt of duly completed Registration Form.
8. Online registration will take minimum of 48 hrs for activation.
9. Customers will have to use their card both for earning and redemption.
10. The payback points shall accrue to a member only after receipt and realization of the total payment on the relevant invoice.
11. Redemption of PAYBACK Points at any FUTURE GROUP Stores shall only be by way of issue of FUTURE GROUP Gift vouchers. Gift Voucher denominations may vary. FUTURE GROUP reserves the right to change the mode of redemption from time to time.
12. Claims on PAYBACK Points not credited to a PAYBACK Member's account from any transaction at a Future Group Store will be entertained only if the date of transaction is on or before 30 days from the date of transaction, and the PAYBACK Member must provide proof of transaction as required by Future Group to register such claim
13. The PAYBACK Points earning structure shall be as under FUTURE GROUP has the right to change, limit, modify or cancel rules, regulations, rewards, and PAYBACK Point structure at any time without notice. The Points Structure can also be restricted/modified by FUTURE GROUP during certain SALE events.


17. Facebook
The PAYBACK fan page is intended as an informative platform for all queries on the PAYBACK program and the PAYBACK point balance of our members. We are looking forward to a free exchange of views, but we reserve the right to remove posts or photos that:
1. are insulting, defamatory, disparaging, pestering, threatening, racist or obscene
2. violate the copy right or intellectual property of third parties
3. tolerate or support illegal activities
4. are fraudulent, deceptive or misleading
5. are sexist or insulting
6. contain spam or could cause technical breakdowns on this page
7. violate local, regional, national or international law or regulations


Note:
Air India, Airtel, Lifestyle & Megamart are not PAYBACK partners anymore. Hence earning of PAYBACK points for the transactions at either of the above is suspended. No separate communication will be sent to any PAYBACK member regarding this change.
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