XPay Life is not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. This site may contain certain historical information, which is necessarily not current and is provided for your reference only.

All content on this site (including, without limitation, text, design, graphics, logos, icons, images, audio clips, downloads, interfaces, code and software, as well as the selection and arrangement thereof), is the exclusive property of and owned by XPay Life, its licensors or its content providers and is protected by copyright, trademark and other applicable laws. You may access, copy, download and print the material contained on the site for your personal and non-commercial use, provided you do not modify or delete any copyright, trademark or other proprietary notice that appears on the material you access, copy, download or print. Any other use of content on the site, including but not limited to the modification, distribution, transmission, performance, broadcast, publication, uploading, licensing, reverse engineering, transfer or sale of, or the creation of derivative works from, any material, information, software, products or services obtained from the site, or use of the site for purposes competitive to XPay Life, is expressly prohibited. XPay Life retains full and complete title to the material provided on the site, including all associated intellectual property rights, and provide this material to you under a license that is revocable at any time in XPay Life’s sole discretion. XPay Life neither warrants nor represents that your use of materials on this site will not infringe rights of third parties not affiliated with XPay Life.

You may not use contact information provided on the site for unauthorised purposes, including marketing. You may not use any hardware or software intended to damage or interfere with the proper working of the site or to surreptitiously intercept any system, data or personal information from the site. You agree not to interrupt or attempt to interrupt the operation of the site in any way.

Some features that may be available on this site require registration. By registering at and in consideration of your use of the site you agree to provide true, accurate, current and complete information about yourself.

This site may contain links to other Web sites, some of which are operated by XPay Life or its affiliates and others of which are operated by third parties. These links are provided as a convenience to you and as an additional avenue of access to the information contained therein. We have not necessarily reviewed all the information on those other sites and are not responsible for the content of those or any other sites or any products or services that may be offered through those or any other sites. Different terms and conditions may apply to your use of any linked sites. We are not responsible for any losses, damages or other liabilities incurred as a result of your use of any linked sites.

Trademarks, logos and service marks displayed on this site are registered and unregistered trademarks of XPay Life or its affiliates and are their property. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without XPay Life’s prior written permission, except as otherwise described herein. This site and all of its content, including but not limited to text, design, graphics, interfaces and code, and the selection and arrangement thereof, is protected as a compilation under the copyright laws of France and other countries.

Your use of this site is at your sole risk. The site is provided on an “as is” and “as available” basis. We reserve the right to restrict or terminate your access to the site or any feature or part thereof at any time without notice. XPay Life expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose and any warranties that materials on the site are non-infringing, as well as warranties implied from a course of performance or course of dealing; that access to the site will be uninterrupted or error-free; that the site will be secure; that the site or the service that makes the site available will be virus-free, or that information of the site will be complete, accurate or timely.

You acknowledge and agree that you assume full responsibility for use of the site. You acknowledge and agree your use of the site is at your own risk and that the site is made available to you at no charge. Recognizing such, you acknowledge and agree that, to the fullest extent permitted by applicable law, neither XPay Life nor its affiliates, suppliers or third party content providers will be liable for any direct, indirect, punitive, exemplary, incidental, consequential, special or other damages arising out of or in any way related to the site, or any other site you access through a link from this site or from any actions we take as a result of communications you send to us, or the delay or inability to use the site, or for any information, products or services advertised in or obtained through the site. Your sole and exclusive remedy for any of the above claims or any dispute with XPay Life is to discontinue your use of the site.

The laws of India govern these Terms of Use and your use of the site, and you irrevocably consent to the jurisdiction of the High Court, Delhi for any action arising out of or relating to these Terms of Use. We recognize that it is possible for you to obtain access to this site from any jurisdiction in the world, but we have no practical ability to prevent such access. This site has been designed to comply with the laws of India. If any material on this site, or your use of the site, is contrary to the laws of the place where you are when you access it, the site is not intended for you, and we ask you not to use the site. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.

Instant Discounts are not Cash backs. Instant Discounts are applied while making a payment itself and its instant saving, It's an Artificial Intelligence based system which picks up the location, biller, bill amount, adaptability and other multiple factors to calculate the Instant Discount amount which varies from 2% Min till 100%.

Referral bonus is applied only after the 1^st successful transaction done by the user who has been Referred. No Referral Points applicable if the 1st transaction is not done.

XPay Life reserves the rights, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time, by posting revised terms on the site. It is your responsibility to check periodically for any changes we make to the Terms of Use. Your continued use of the site after any changes to the Terms of Use or other policies means you accept the changes.