These Terms & Conditions govern your access to and use of the WIDGI platform, mobile application, partner dashboard, and all associated services ("Services") operated by Codegraphi Technology ("WIDGI", "we", "us", "our"). By registering as a retailer, distributor, or customer, or by using our website, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using the WIDGI website, mobile application, or partner dashboard, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions, along with our Privacy Policy and Refund & Cancellation Policy. If you do not agree with any part of these Terms, please do not use our Services.
2. Description of Services
WIDGI operates as a technology and business correspondent platform enabling registered retailers and partners to offer digital financial and utility services to end customers, including but not limited to:
- NeoBanking and digital account services (in partnership with regulated banking partners)
- Utility bill payments (electricity, gas, water, broadband, and BBPS services)
- Travel bookings (flights, trains, buses, and hotels)
- Insurance product distribution (through IRDAI-approved partners)
- PAN card application and eKYC/Aadhaar-linked verification services
- Mobile, DTH recharges, and FASTag activation
All financial services are provided in association with licensed banks, NBFCs, insurers, or payment aggregators, and WIDGI acts as a technology facilitator/business correspondent, not as a bank or insurer itself.
3. Eligibility & Registration
- Users must be at least 18 years of age and legally competent to enter into a binding contract under Indian law.
- Retailers/partners must complete KYC verification (PAN, Aadhaar, business proof, and bank account details) before activation of their account.
- WIDGI reserves the right to accept or reject any registration application at its sole discretion, including on grounds of incomplete documentation or suspected fraud.
- You are responsible for maintaining the confidentiality of your login credentials, PIN, and OTPs, and for all activities that occur under your account.
4. Wallet, Commission & Settlement
- Retailers may be required to maintain a prepaid wallet balance to transact on the platform. Wallet top-ups are non-transferable and can only be used to avail Services on the WIDGI platform.
- Commissions and incentives are credited as per the applicable rate card, which may be updated by WIDGI from time to time with prior notice on the dashboard.
- Settlement timelines for commissions and refunds depend on the respective service provider/bank and are not guaranteed to be instantaneous.
- WIDGI reserves the right to withhold, reverse, or adjust commission payouts in cases of transaction disputes, chargebacks, or suspected fraudulent activity.
5. User Obligations
- You agree to use the Services only for lawful purposes and in compliance with all applicable laws, including the Prevention of Money Laundering Act (PMLA), RBI guidelines, and the Information Technology Act, 2000.
- You shall not use the platform to facilitate money laundering, fraud, impersonation, or any transaction on behalf of a third party without proper authorization/KYC.
- You must ensure that all customer data collected for KYC or transaction purposes is obtained with the customer's informed consent.
- Any misuse of the platform, including creation of fake accounts, transaction manipulation, or circumvention of security controls, may result in immediate suspension or termination of your account.
6. Fees & Charges
Applicable fees, service charges, and convenience charges for each service category are displayed on the platform at the time of transaction or listed on our Pricing page. WIDGI reserves the right to revise fees with reasonable prior notice.
7. Third-Party Services
Certain Services (travel bookings, insurance, banking, bill payments) are fulfilled through third-party providers/partners. WIDGI is not liable for delays, service failures, or disputes arising directly from the acts or omissions of these third parties, though we will make reasonable efforts to assist in resolution.
8. Limitation of Liability
To the maximum extent permitted by law, WIDGI shall not be liable for any indirect, incidental, or consequential damages arising from the use of, or inability to use, the Services, including loss of business, revenue, or data, except in cases of proven gross negligence or willful misconduct on WIDGI's part.
9. Suspension & Termination
WIDGI may suspend or terminate a user's or retailer's access to the Services, with or without notice, in cases of Terms violation, suspected fraud, regulatory non-compliance, or prolonged inactivity. Any wallet balance due at the time of termination will be settled as per our Refund & Cancellation Policy, subject to verification.
10. Intellectual Property
All content, trademarks, logos, and software associated with WIDGI are the property of Codegraphi Technology and may not be copied, reproduced, or used without prior written consent.
11. Amendments
WIDGI reserves the right to modify these Terms at any time. Continued use of the Services after such changes constitutes acceptance of the revised Terms. Material changes will be communicated via the dashboard or registered email/mobile number.
12. Governing Law & Jurisdiction
These Terms shall be governed by the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at Delhi, India.
13. Contact Us
For any questions regarding these Terms & Conditions, please contact us at widgisoftech@gmail.com or call +91-9720902050.
