Terms & Conditions

1. Acceptance of terms

By accessing or using SpherePayment, you confirm that you are at least 18 years old, capable of entering into a binding contract under the Indian Contract Act, 1872, and that you agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

Our services are available to individuals residing in India who hold a mobile number registered in their own name. You agree to provide accurate, current and complete information, and to keep it updated.

3. Description of service

SpherePayment lets you recharge your mobile number and DTH/set-top box connection, and pay bills — electricity, credit card, broadband, water, gas and other categories — via BBPS, with points and cashback on eligible transactions. We also offer optional Services, currently Credit Score, Loan Enquiry and Open Bank Account (see clause 9 below), each of which may ask for additional information from you.

4. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at the contact details below if you suspect unauthorised access.

You authorise SpherePayment to process your mobile recharge, DTH recharge and bill payment requests via our recharge/BBPS fulfillment partners and payment gateway partner on your behalf.

5. Communications you agree to receive

By registering, you consent to receive OTPs, account and security alerts, and service updates from us over SMS, WhatsApp, email, push notification and voice/IVR calls, including where these are sent through our messaging and telecom partners.

You may separately opt in to promotional communications, and may opt out of them at any time without affecting transactional messages required to operate your account, as described in our Privacy Policy.

6. Acceptable use

You agree to use SpherePayment only for lawful purposes and in accordance with these Terms. You agree not to: misuse or attempt to gain unauthorised access to the platform or another user's account; reverse-engineer, scrape or interfere with the service; or use the platform to submit false, misleading or someone else's information without authorisation.

7. Payments

Mobile/DTH recharges, bill payments and report-unlock payments are processed via our recharge/BBPS fulfillment partners and our payment gateway partner, Cashfree. We are not responsible for delays caused by the operator, biller or payment network.

8. Wallet, points and cashback

Points and cashback, where offered, are calculated and credited at the conversion rate and terms shown to you at the time of the transaction, and may be changed or withdrawn by us at any time going forward (changes do not affect points/cashback already credited).

Cashback on eligible bill payments is credited automatically once the payment succeeds. Cashback on mobile/DTH recharges must be actively revealed by you on the recharge status page before it is credited to your wallet; until revealed, it is shown to you as pending and is not forfeited on our end.

You may redeem wallet points to reduce the payable amount on an eligible recharge, up to a per-transaction rupee cap that we set and display at checkout. Points have no monetary value outside SpherePayment, cannot be transferred, exchanged for cash, or used for any purpose other than redemption within the platform, and may be forfeited if your account is closed, inactive for an extended period, or used fraudulently.

9. Credit Score, Loan Enquiry and Open Bank Account

Credit Score is an optional service that lets you check your credit score for free and, if you choose, unlock your full credit report for a one-time fee (currently ₹35) paid through Cashfree. To use it, you must provide your PAN and date of birth so we can verify your identity with our credit bureau partner, currently Experian; once verified, these details are permanently linked to your account and cannot be self-edited afterwards. You can check your score again for free once a month, but each such refresh produces a new report that starts locked, and unlocking its full details is a fresh, separate payment. Your credit score and report are provided for your own informational awareness only — they do not constitute financial, credit or lending advice, and we are not responsible for any lending, credit or financial decision you make based on them.

Loan Enquiry and Open Bank Account let you submit your details so that we, or a partner bank or lender we work with, can contact you about the product you're interested in. Submitting an enquiry does not guarantee approval, an account opening or a loan offer, which remain entirely at the relevant partner's discretion and subject to that partner's own terms and eligibility criteria.

10. Intellectual property

All content, design, trademarks and software on https://spherepayment.in are owned by or licensed to SERVSHIELD TECHNOLOGY PRIVATE LIMITED. You may not copy, reproduce or create derivative works from our platform without our prior written consent.

11. Limitation of liability

SpherePayment provides its services on an 'as is' and 'as available' basis. To the maximum extent permitted by law, we are not liable for any indirect, incidental or consequential damages, or for lending, credit or financial decisions you make based on information shown on the platform.

12. Indemnity

You agree to indemnify and hold SpherePayment and its officers, employees and partners harmless from any claim arising from your breach of these Terms or misuse of the platform.

13. Termination

We may suspend or terminate your access if you breach these Terms, misuse the platform, or if required by law. You may close your account at any time from your profile settings.

14. Governing law and jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Delhi, India.

15. Grievance redressal

If you have a complaint about our services, first write to us at support@spherepayment.in. If unresolved, you may escalate to our Grievance Officer at the address listed in our Privacy Policy.

16. Changes to these terms

We may update these Terms from time to time. Continued use of SpherePayment after changes take effect constitutes acceptance of the updated Terms. We will always display the latest revision date at the top of this page.

17. Contact

Questions about these Terms can be sent to support@spherepayment.in or +91 8700210018.