Terms and Conditions for Seva Money

Last Updated: 17.06.2025

Available in .pdf

These Terms of Use (“Terms of Use”) govern your access to and use of the Seva Money service (“Service,” “Seva Money,” “we,” “us,” or “our”, operated by Seva Tech Ltd, UIC 14982507, a company incorporated in London, United Kingdom and having its registered office at 156 Dorset House, Gloucester Place, London, UK NW1 5AH. By subscribing to and using Seva Money, you agree to comply with and be bound by these Terms of Use. We reserves the right, at our sole discretion, to amend these Terms of Use at any time as provided for herein.

Definitions

“Account”: the personal online profile created by a Subscriber in order to access and use the Seva Money Service. This Account is used to manage personal details, including the Subscriber’s identity, contact information, KYC (Know Your Customer) documentation, and details of the nominated Beneficiaries. The Account allows Subscribers to interact with the services offered, including subscription management, and accessing any relevant benefits provided by Seva Money.

“AML Legislation”: the laws, regulations, and guidelines governing Anti-Money Laundering (AML) practices in the United Kingdom. These legal frameworks are designed to detect, prevent, and report money laundering activities, terrorist financing, and other financial crimes. Additionally, the UK Financial Conduct Authority (FCA) enforces the AML regulations for businesses operating within the financial sector, ensuring compliance through mandatory customer due diligence (CDD), reporting of suspicious activities, and the monitoring of financial transactions

“Beneficiaries”: an individual, who is a family member or dependent of the Subscriber, and who receives the benefits of the Seva Money service. Beneficiaries must be Indian nationals residing in India and can be added to the Subscriber’s account. A Subscriber may add up to ten beneficiaries. Each beneficiary is eligible to receive services such as virtual consultations, hospital expense coverage, ambulance services, diagnostic discounts, and emergency travel cover, based on the details and conditions specified in the Seva Money program. The Subscriber is responsible for providing accurate details, including the beneficiary’s name, date of birth, relationship, contact information, and address.

“Data Controller”: the person or entity that determines the purposes and means of processing personal data. The Seva Money Service acts as the Data Controller, responsible for ensuring that all personal data collected from subscribers is processed lawfully and in accordance with applicable data protection laws. This includes taking measures to protect data security and privacy rights.

“Data Processor”: an entity or individual that processes personal data on behalf of the Data Controller. The Data Processor acts under the instruction of the Data Controller and is required to handle data securely and responsibly according to the agreed terms. The Seva Money Service may engage third-party service providers who act as data processors to carry out specific tasks, such as payment processing or customer service

“Data Protection Legislation”: laws that govern the collection, use, and processing of personal data to ensure privacy and data security. The primary legislation applicable to the Seva Money Service is the General Data Protection Regulation (GDPR), which regulates data handling practices in the European Union, alongside the UK GDPR. These laws provide guidelines on how data should be processed, stored, and shared to protect individuals’ rights to privacy.

“KYC”: Know Your Customer process required to verify the identity of the Subscriber and their Beneficiaries.

“RuPay Card” means a prepaid payment card issued in India under the RuPay card scheme operated by the National Payments Corporation of India (NPCI), which enables domestic transactions within India at participating merchants, ATMs, and online platforms. The RuPay Card issued for the Seva Money Service is intended solely for use by the designated Beneficiary and is subject to the terms, conditions, and regulatory requirements of the issuing Indian financial institution and applicable Indian law. Seva Money does not issue the RuPay Card and is not responsible for its acceptance, performance, or compliance with regulatory obligations in India 

“Subscriber”: the individual who registers for and subscribes to the Seva Money service, gaining access to the benefits and services offered by Seva Money. The Subscriber must be residing in the UK and is responsible for managing the account, including providing personal information, selecting beneficiaries, and making payments for the monthly or yearly subscription. The Subscriber is also accountable for ensuring that the details of their Beneficiaries are accurate and up-to-date, and for abiding by the terms and conditions governing the use of the Seva Money service. Subscribers are entitled to access the Seva Money benefits for themselves and their nominated beneficiaries, as outlined in the service term.

“Seva Money Service”: a service offering a subscription-based model, designed for Indian nationals residing in the UK. The service provides Subscribers with a prepaid RuPay Card their family members (Beneficiaries) living in India.  The Seva Money Service includes access to a range of complimentary, non-insurance value-added benefits provided by authorised third-party providers in India, which may include hospital cash support, medicine wallet top-ups, discounts on diagnostic and pharmacy services, facilitation of specialist appointments, accident cover, and annual preventive care check-ups (including dental and eye tests). These benefits are ancillary, are subject to availability and the terms of the respective Third-Party Providers, and do not constitute the provision of medical services by Seva Money. The Seva Money Service is managed through a secure user account, which allows the Subscriber to configure payment preferences, manage Beneficiaries, and monitor available benefits 

Seva Money.

“Third-Party Providers”: External service providers with whom Seva Money partners to deliver certain services, such as Hospital Cash, Medicine wallet, Diagnostic discounts, Pharmacy discounts, Specialist appointments, Accident insurance, Annual Health check, Annual dental check, Annual eye test. 

1. Service Overview

Seva is a subscription-based facilitation service that enables Subscribers residing in the United Kingdom to support their Beneficiaries in India through access to a prepaid RuPay Card. The RuPay Card is issued directly to the Beneficiaries in India and can be used for domestic transactions at participating merchants, including those providing healthcare-related goods and services. Upon successful registration and account activation, Subscribers may use the Seva platform to facilitate access to a range of complimentary, non-insurance value-added services for their Beneficiaries. These services, which are arranged through authorised third-party providers in India, may include hospital cash support, medicine wallet top-ups, discounts on diagnostic and pharmacy services, assistance with booking specialist appointments, accident cover, and annual health, dental, and eye check-ups. Seva does not itself provide medical, insurance, or financial services and does not act as the issuer of the RuPay Card. Use of the Seva platform and its features is subject to these Terms of Use and may also be governed by additional terms imposed by third-party service providers. Access to certain features may require additional registration steps, eligibility verification, or the processing of personal data in accordance with applicable data protection laws.

 

2. Eligibility

2.1.  Subscriber Eligibility: In order to use the Seva Money services, the Subscriber must be residing in the UK, and must complete the registration process through the Website or associated platform. This includes providing accurate and up-to-date personal information, including but not limited to full name, date of birth, residential address, and any other information required to comply with applicable laws, including Know Your Customer (KYC) regulations. The Subscriber must be at least 18 years of age at the time of registration. By registering an account, the Subscriber acknowledges and agrees to these Terms of Use, the Seva Money Privacy Policy along with any additional terms that may be applicable to services provided by third-party service providers. Furthermore, the Subscriber is responsible for ensuring that valid payment information is provided, enabling processing of any applicable fees for the Seva Money services, as outlined in the Fees section of these Terms.

2.2.  Beneficiary Eligibility: The Beneficiary must be an Indian national residing in India. The Subscriber may nominate up to ten (10) Beneficiaries, who are eligible to receive the benefits of Seva Money Services. To access these Services, the Beneficiary must be named by the Subscriber in accordance with the registration process, and their eligibility may be subject to age, health conditions, or any exclusions imposed by the specific services or insurance plans associated with Seva Money. Beneficiaries are also required to meet KYC verification standards, which may include the submission of personal identification and supporting documentation. The Subscriber is responsible for ensuring that the Beneficiaries nominated comply with all applicable eligibility requirements. Any updates or changes to eligibility criteria will be communicated to the Subscriber, who must ensure continued compliance with any such revisions.

2.3.  Compliance and Responsibility: Both the Subscriber and the Beneficiary must ensure that they meet all relevant legal, regulatory, and procedural requirements as stipulated by Seva Money and applicable third-party service providers. This includes compliance with Data Protection Legislation, as well as any relevant laws relating to health, insurance, and payment services. 

3. Account Registration and Management

3.1.  Account Creation: To access the Seva Money Services, the Subscriber must first complete the registration process by providing accurate and up-to-date personal information through the Website or associated platform subject to the provisions of Clause 2 hereof. Upon successful registration, the Subscriber will create login credentials, including a username and password, which will be required for ongoing access to their account. The Subscriber is responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. The Subscriber agrees to notify Seva Money immediately if they suspect any unauthorized use of their Account.

3.2.  Account Maintenance and Accuracy: The Subscriber is responsible for ensuring that all information provided during the registration process remains accurate, current, and complete. The Subscriber agrees to update their Account details promptly if any changes occur, including changes to their personal information, contact details, or payment information. Failure to provide accurate and updated information may result in the suspension or termination of the Account.

3.3.  Account Access and Usage: The Subscriber is granted a limited, non-transferable license to access and use their Account solely for the purpose of utilizing the Seva Money Services, in accordance with these Terms of Use. The Account may only be accessed by the Subscriber or their authorized representative, and the Subscriber agrees not to permit any third party to access their Account without proper authorization.

3.4.  Account Security: The Subscriber is responsible for safeguarding their Account and ensuring its security, including taking reasonable measures to prevent unauthorized access, such as logging out after each session. Seva Money is not liable for any loss or damage resulting from the Subscriber’s failure to maintain the confidentiality of their Account credentials.

3.5.  Suspension or Termination of Account: Seva Money reserves the right, at its sole discretion, to suspend, disable, or terminate a Subscriber’s Account if there is a violation of these Terms of Use, including but not limited to fraudulent activity, failure to comply with AML Legislation, or if the Subscriber’s Account is used for unlawful purposes. The Subscriber may also request the closure of their Account by contacting Seva Money’s customer support team at support@sevamoney.com. Any outstanding fees or obligations at the time of Account closure must be settled before closure.

3.6.  Third-Party Services: Seva Money may, at its discretion, offer access to certain services provided by third-party suppliers. By using these services, the Subscriber acknowledges that such services may require additional registration, fees, or terms and conditions. The Subscriber agrees to comply with any additional terms imposed by third-party service providers and acknowledges that their personal data may be processed by such third parties in accordance with their privacy policies.

3.7.  Account Recovery: In the event that the Subscriber forgets their account credentials or suspects their Account has been compromised, Seva Money provides a password recovery mechanism. The Subscriber is required to verify their identity as part of the recovery process. Seva Money reserves the right to request additional documentation to verify the identity of the Subscriber before granting access to the Account.

4. Payment Options and Fees

4.1.  Payment Methods: Seva Money offers various payment options for Subscribers to settle charges for the Services. Payments can be made via debit card, credit card, or other alternative payment solutions made available on the Website and in-Account. By choosing a specific payment method, the Subscriber agrees to comply with the terms, conditions, and any requirements established by Seva Money and third-party payment processors. Seva Money may, at its discretion, add new payment methods or update existing ones at any time, and the Subscriber will be notified of such changes.

4.2.  Payment Processing: The processing of all payments will be conducted by Seva Money or its third-party payment providers, and Subscribers agree to comply with the terms of service of these payment processors. Seva Money is not responsible for any delays, errors, or disputes arising from the payment processing or actions of third-party payment providers, including but not limited to issues with card payments or bank transactions.

4.3.  Fees: Subscribers shall pay applicable fees for the use of Seva Money Services. These fees may include subscription fees, transaction fees, processing fees, or fees for specific services as detailed during the registration process or when selecting a particular service. Seva Money reserves the right to update or amend the fee structure at any time. The Subscriber will be notified in writing or via email of any changes to the fee structure. A full schedule of applicable fees can be found in the ‘Fees’ Section.

4.4. Subscription: Subscribers who choose the monthly or annual subscription plan will be charged on a recurring basis, with payments due monthly or annually in advance. The monthly or annual subscription fee will be determined based on the selected plan, as specified in the ‘Fees’ Section. By subscribing to this plan, the Subscriber authorizes Seva Money to automatically charge the payment method on file for the monthly or annul fee, until the subscription is cancelled by the Subscriber. The Subscriber may cancel their subscription at any time in accordance with the Cancellation Policy. No refunds will be issued for partial months unless otherwise specified in the Refund Policy. If the Subscriber fails to make timely payments, Seva Money reserves the right to suspend or terminate access to the Services until the overdue balance is settled.

4.5.  Taxes: All fees and charges are exclusive of applicable taxes, including but not limited to sales tax, value-added tax (VAT), or other similar taxes, which may be added to the fees based on the Subscriber’s location. The Subscriber is responsible for the payment of any such taxes that may be applicable in their jurisdiction.

4.6.  Non-Payment and Suspension: If the Subscriber fails to pay any fees in a timely manner, Seva Money reserves the right to suspend or terminate access to the Subscriber’s account and the related services until all outstanding fees have been paid. In addition, Seva Money may charge interest or late fees on any overdue amounts, as permitted by applicable law. Any suspension or termination of services for non-payment does not relieve the Subscriber of their responsibility to pay outstanding fees.

4.7.  Refunds and Cancellations: Refunds, if applicable, will be processed according to Seva Money’s Refund Policy. If a Subscriber wishes to dispute a charge or request a refund, they must contact Seva Money’s Customer Service department within a reasonable time frame from the date of the charge. Seva Money will consider the refund request in accordance with its internal procedures, and any approved refund will be credited to the payment method originally used.

5. Security and Account Safety

5.1.  Account Security: The Subscriber is solely responsible for maintaining the confidentiality and security of their Account, including all login credentials such as passwords, PINs, or other access methods. Seva Money strongly advises that Subscribers choose complex and unique passwords and avoid sharing them with others. Subscribers should promptly notify Seva Money of any unauthorized access or use of their Account or if they suspect that their login credentials have been compromised.

5.2.  Two-Factor Authentication (2FA): To further protect the security of the Accounts, Seva Money may implement two-factor authentication (2FA). The Subscriber agrees to enable and use 2FA if required, ensuring a higher level of protection against unauthorized access.

5.3.  Suspension and Termination of Account: Seva Money reserves the right to suspend or terminate a Subscriber’s Account if it detects any security risks or suspicious activity. This may include, but is not limited to, activities such as unauthorized Account access, attempts to breach security protocols, or any activities that violate these Terms of Use. Subscribers will be notified promptly of such actions and will have the opportunity to resolve the issue or appeal the suspension.

5.4.  Protection of Personal Data: Seva Money takes the security of personal data seriously and employs industry-standard security measures to protect personal information provided by Subscribers. Subscribers acknowledge that while Seva Money takes reasonable precautions to safeguard data, no system can be completely secure, and Seva Money does not guarantee the absolute security of data transmitted over the internet or through third-party service providers.

5.5.  Third-Party Providers: In some cases, Seva Money may rely on third-party service providers to issue card, process transactions, deliver healthcare services, or manage payment systems. Subscribers acknowledge that these third parties may have access to certain personal information necessary for the provision of services. Seva Money ensures that such third-party providers are obligated to meet appropriate security and privacy standards, and it is the Subscriber’s responsibility to review the privacy policies and terms of those third-party providers before agreeing to use their services.

5.6.  Data Breach Notification: In the event of a data breach that affects the Subscriber’s personal information, Seva Money will notify the affected individuals as soon as reasonably possible. Seva Money will also cooperate with relevant authorities to investigate and mitigate any potential harm caused by the breach.

6. Compliance and Data Management

6.1.  KYC and AML Compliance: Seva Money requires Subscribers to provide specific personal and financial information as part of the account registration process. This information will be thoroughly verified through various checks, including but not limited to identity verification, address verification, and source of funds analysis, to ensure compliance with legal obligations under the AML Legislation.

In the event that the information provided is found to be incomplete, inaccurate, or falsified, or if the Subscriber fails to comply with Seva Money’s KYC and AML procedures, Seva Money reserves the right to suspend, restrict, or terminate access to the Account in order to remain compliant with regulatory requirements. Additionally, Seva Money may request additional documentation or clarification at any time to verify the Subscriber’s identity or to ensure continued compliance with AML Legislation.

6.2.  Data Access and Correction: Subscribers have the right to access, update, or correct their personal data held by Seva Money. If any information provided by a Subscriber is inaccurate or incomplete, it is the Subscriber’s responsibility to inform Seva Money promptly. Subscribers may exercise their rights to data access and correction by contacting Seva Money directly.

7. Liens and Payment

Seva Money reserves the right to impose a lien on any amounts owed for services rendered. If there are unpaid fees or charges associated with the Service, Seva Money may charge these amounts to the Subscriber’s Account. The Subscriber authorizes Seva Money to deduct such charges in the event of outstanding payments.

8. Intellectual Property and Indemnification

8.1. Intellectual Property. Seva Money retains all rights, title, and interest in and to all intellectual property associated with its Services, website, trademarks, logos, and any content provided to the Subscriber, unless explicitly stated otherwise. This includes, but is not limited to, copyrights, trademarks, patents, and trade secrets. Subscribers are granted a limited, non-exclusive, non-transferable, and revocable license to access and use Seva Money’s Services solely for their personal use in accordance with these Terms. No other use of Seva Money’s intellectual property is permitted without prior written consent.

8.2. Use of Trademarks. Subscribers acknowledge that Seva Money’s trademarks, service marks, and logos are valuable assets of Seva Money and agree not to use, copy, reproduce, or modify any of Seva Money’s trademarks, logos, or any other intellectual property without Seva Money’s prior written consent. Unauthorized use of Seva Money’s intellectual property is strictly prohibited and may lead to legal action.

8.3. Indemnification by Subscriber. The Subscriber agrees to indemnify, defend, and hold harmless Seva Money, its affiliates, officers, employees, agents, and licensors, from any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable attorney’s fees) arising from: (i) the Subscriber’s unauthorized use of Seva Money’s intellectual property or trademarks, (ii) any breach by the Subscriber of these Terms, or (iii) any third-party claims arising from the Subscriber’s actions or omissions in relation to the Services. The indemnifying party agrees to promptly notify Seva Money of any potential claims or legal proceedings that may give rise to such indemnification and to cooperate fully in the defense of such claims.

9. RuPay Card Issuance

9.1. The Seva Money Service facilitates access to a prepaid RuPay card issued and managed by an authorised financial institution in India. Seva Money is not a card issuer, payment service provider, or electronic money institution, and does not provide regulated financial services in the United Kingdom or India.

9.2 All RuPay Cards are issued to and held by the Subscriber’s designated Beneficiaries in India and are subject to the terms, conditions, and regulatory requirements of the Indian issuing institution and applicable Indian law. Seva Money shall not be responsible for the performance, functionality, or compliance of the RuPay card or the issuer.

9.3. The use of the RuPay card is subject to the applicable terms and conditions, privacy policies, and regulatory requirements of the Indian issuer and the RuPay network. Seva Money makes no representation or warranty regarding the acceptance, functionality, or availability of the card, and shall not be liable for any disputes arising between the Beneficiary and the issuer.

 

9.4. Seva Money does not hold or safeguard client funds for the purpose of loading the RuPay Card. Any funds transmitted for the purpose of funding the Card or associated benefits are processed in accordance with the terms of the issuing institution in India.

 

9A. Healthcare and Ancillary Services

9A.1. The healthcare-related services made available through the Seva Money Service are provided by independent third-party providers in India. These services are intended solely for the use of Beneficiaries residing in India and are not delivered, managed, or guaranteed by Seva Money.

9A.2. The services may include, but are not limited to, hospital cash benefits, medicine wallet top-ups, diagnostic and pharmacy discounts, accident cover, and annual preventive health checks. These benefits are ancillary, non-insurance, value-added offerings and do not constitute the provision of medical advice, treatment, or regulated insurance by Seva Money.

9A.3. These services are intended as value-added non-insurance benefits and do not constitute the provision of health care, medical treatment, or regulated insurance services by Seva Money. Seva Money is not a medical provider, insurance underwriter, or healthcare administrator.

 

9A.4. Seva Money does not assume any responsibility for the clinical accuracy, medical outcome, or commercial terms of any healthcare or ancillary service, which remain the sole responsibility of the relevant third-party provider. Subscribers are advised to consult directly with providers for full service details.

 

9A.5. The inclusion or facilitation of healthcare-related benefits does not constitute a contract of insurance, medical care, or a health plan under UK law, Indian law, or any other applicable regulatory framework. These benefits are offered as part of a customer engagement and support package delivered by third parties.

 

10. Limitation of Liability

10.1. Limitation of Liability. To the fullest extent permitted by applicable law, Seva Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, or data, arising from or related to the use of the Services. In no event shall Seva Money’s total liability to the Subscriber, whether in contract, tort, or otherwise, exceed the total amount paid by the Subscriber for the Services in the twelve (12) months preceding the event giving rise to the claim. The foregoing limitations of liability are essential to the agreement between the parties and reflect the agreed-upon allocation of risk.

10.2. Seva Money expressly disclaims any liability for actions or omissions of third parties, including service providers, payment processors, and other partners, that may affect the Services. Seva Money is not responsible for any damages, losses, or disruptions arising from third-party services or their failure to perform. Additionally, Seva Money makes no guarantees regarding the availability or reliability of the Services and disclaims any liability for issues that may arise from system outages, interruptions, or other technical difficulties. Subscribers are advised to take precautions to protect their own devices, accounts, and data.

10.3. Seva Money acts solely as a facilitator of the Seva Money Service and is not responsible for the quality, delivery, suitability, or outcome of any third-party service or benefit made available through the platform. To the maximum extent permitted by law, Seva Money disclaims all liability arising from or related to the use of the RuPay card, third-party healthcare services, or any interactions between Subscribers, Beneficiaries, and third-party providers.

 

10.4. Force Majeure. Seva Money shall not be liable for any failure or delay in performance of its obligations under these Terms of Use if such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, fires, floods, earthquakes, wars, terrorism, riots, governmental actions, pandemics, strikes, civil unrest, failures of third-party providers, or any other event or circumstance that prevents or hinders Seva Money from fulfilling its obligations (“Force Majeure Event”). In the event of a Force Majeure Event, Seva Money shall promptly notify the Subscriber and will take reasonable steps to mitigate the effects of the Force Majeure Event and resume performance as soon as practicable. If the Force Majeure Event continues for a period of 30 days or more, Seva Money may, at its discretion, terminate the Agreement without any further liability to the Subscriber.

11. Warranty Disclaimer. Seva Money makes no representations or warranties, express or implied, regarding the Services, including but not limited to any warranties of merchantability, fitness for a particular purpose, or non-infringement. The Services are provided “as is” and “as available,” without any warranty or guarantee of any kind. Seva Money does not warrant that the Services will be error-free, uninterrupted, secure, or free from harmful components, or that defects will be corrected. The Subscriber acknowledges that they are solely responsible for ensuring that their use of the Services complies with applicable laws, regulations, and policies.
12. Disputed Transactions

11.1. Complaints Handling: If the Subscriber has any concerns or complaints regarding the Services provided by Seva Money, the Subscriber is encouraged to promptly contact Seva Money’s Customer Service team via the contact details provided on the Website. The Subscriber should provide a clear and detailed description of the issue, including any relevant supporting documentation or communication. Seva Money is committed to reviewing all complaints fairly and thoroughly and will aim to resolve them within a reasonable timeframe. The resolution may involve clarifications, adjustments, or other remedies, as deemed appropriate by Seva Money.

11.2. Disputed Transactions: In the event of a disputed transaction, the Subscriber must notify Seva Money as soon as possible, but no later than 30 days from the transaction date. The Subscriber agrees to provide all necessary information and documentation to assist in the resolution of the dispute, such as transaction details, proof of payment, communication records, and any relevant evidence. Seva Money will conduct an investigation into the disputed transaction, which may involve collaboration with third-party payment processors or service providers.

11.3. Investigation and Outcome: Seva Money will notify the Subscriber of the outcome of the dispute resolution process once the investigation is complete. If the dispute is found to be valid, Seva Money may issue a refund, adjust the Subscriber’s account, or take other corrective actions as appropriate based on the nature of the dispute. If the dispute is not resolved in favor of the Subscriber, the Subscriber agrees to assume responsibility for any charges incurred, and Seva Money may apply additional actions such as suspending or terminating services if the dispute involves fraudulent or suspicious activity.

11.4. Final Determination: By using Seva Money’s services, the Subscriber agrees to comply with the complaint and dispute resolution procedures outlined herein. The Subscriber acknowledges that Seva Money’s decision on the resolution of any complaint or dispute is final and binding, and no further claims will be accepted once the dispute has been resolved

12. Account Cancellation and Termination

12.1. Cancellation by the Subscriber: The Subscriber has the right to cancel their subscription at any time with immediate effect. Cancellations can be requested via the Account management section or by contacting Seva Money’s Customer Support team. If the Subscriber cancels the subscription before the end of the current billing cycle, the Subscriber may still be responsible for the full subscription fee for the current period, but will not be charged for subsequent periods.

12.2.  Termination by Seva Money: Seva Money reserves the right to terminate or suspend the Subscriber’s Account at any time, with or without notice, for reasons including, but not limited to, a breach of these Terms of Use, non-payment of fees, fraudulent activity, or failure to comply with legal and regulatory obligations. Termination may also occur in the event Seva Money discontinues its services or offerings. In the event of termination, the Subscriber will be liable for any outstanding fees and charges.

12.3.  Effect of Termination: Upon termination of the Subscriber’s Account, access to the Seva Money Services will be suspended, and all outstanding amounts must be paid immediately. Seva Money reserves the right to retain and use any personal data necessary for compliance with legal and regulatory obligations, including the processing of fees or refunds. Termination of the Account does not affect any accrued rights or obligations, and the Subscriber will remain liable for any obligations incurred prior to the termination.

12.4.  Reinstatement of Account: If an Account has been suspended or terminated due to non-payment or other reasons, the Subscriber may request reinstatement of their Account by complying with Seva Money’s procedures, including the payment of outstanding fees. Seva Money may, at its sole discretion, decide to reinstate the account based on the nature of the issue and any corrective actions taken by the Subscriber.

12.5.  No Refund for Cancellation: Except as specified in the Refund Policy or where required by law, no refunds will be issued for cancellation or termination.

13. Changes to the Terms of Use

13.1.  Amendment and Updates: Seva Money reserves the right to update, amend, or modify these Terms of Use at any time in its sole discretion. Any changes will be made available on the Website, and the updated Terms will be posted with an effective date. It is the Subscriber’s responsibility to review these Terms periodically to stay informed of any modifications. The continued use of Seva Money Services after such updates signifies the Subscriber’s acceptance of the amended Terms. If the Subscriber does not agree with any changes, they must cease using the services and cancel their Account in accordance with the applicable cancellation terms.

13.2.  Notification of Changes: Subscribers will be notified of any material changes to these Terms of Use via the email used for the Account’s registration. In cases where changes are significant, the Subscriber may be required to accept the revised Terms of Use before continuing to use the Services. Failure to accept updated Terms may result in the suspension or termination of the Subscriber’s access to the Services.

13.3.  Legal Compliance: Any modifications to these Terms of Use will be made to ensure compliance with applicable laws, regulations, or other legal requirements. Seva Money may make such changes without prior notice to comply with regulatory changes or in response to specific legal obligations. If such changes materially affect the Subscriber’s rights, Seva Money will make reasonable efforts to notify the Subscriber.

13.4.  Binding Effect: The updated Terms of Use will become binding once posted on the Website, unless otherwise specified in the notice or the applicable law. The Subscriber’s continued use of the Seva Money Services after the revised Terms of Use have been posted will constitute an irrevocable agreement to comply with and be bound by these changes.

14. Data Privacy

14.1. As part of using Seva Money’s services, Subscribers agree to the collection, processing, and storage of personal information, which may include sensitive data necessary for the proper functioning of our Services. This data may be used for account verification, processing transactions, and improving user experience. We may also share personal data with third-party providers, including payment processors and service providers, in line with legal and regulatory requirements.

14.2. To learn more about how Seva Money collects, uses, and protects your personal data, as well as your rights regarding your data, please refer to our Privacy Policy. The Privacy Policy outlines our practices in detail, including your rights to access, correct, or delete your information, as well as how we manage your data for compliance purposes.

15. Referral Programs

Seva Money may, at its discretion, may offer referral programs (“Referral Program(s)”) to Subscribers. Under such programs, Subscribers may refer new customers to Seva Money, and in return, the referring Subscriber may receive certain benefits or rewards, which may include discounts, credits, or other incentives (“Referral Rewards”). To qualify for the Referral Program, the Subscriber must comply with all applicable terms and conditions, which may include successfully completing a registration process, paying the applicable Subscription Fees, and adhering to any other requirements as set forth by Seva Money.

16. Governing Law

This Agreement is governed by and construed in accordance with the laws of the United Kingdom. Any disputes arising out of or related to these terms will be resolved in the courts of London.

17. Contact Us

For any questions, issues, or requests regarding these Terms of Use or the Seva Money Services, Subscribers can contact us through the following channels:

• Email: For general inquiries or customer support, please email us at support@sevamoney.com;
• Website: Visit our Contact Us page for additional ways to get in touch or to submit a query