Terms & Conditions

1. Acceptance of Terms

Welcome to MitraHelp ("Platform", "we", "us", or "our"). These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User", "Retailer", "Distributor", or "Customer") and MitraHelp Technologies governing your access to and use of our web application (https://mitrahelp.ifpcl.in/), REST APIs, and digital mobile interfaces.

By registering an account, accessing the portal, initiating BBPS utility bill payments, or purchasing e-commerce electronics and appliances, you represent that you are at least 18 years of age and agree to abide by these Terms. If you do not agree, you must immediately discontinue use of the Platform.

2. User Accounts & Universal Role Login

MitraHelp employs a seamless, single-entry universal authentication system without manual role selection dropdowns. The system automatically identifies your verified tier (Superadmin, Admin, Distributor, Retailer, or Customer) upon secure authentication:

• You are solely responsible for maintaining the confidentiality of your login credentials and mobile API tokens.
• Commercial partner roles (Distributors and Retailers) must complete merchant onboarding and provide valid business KYC credentials.
• You agree to notify MitraHelp immediately of any suspected unauthorized access or breach of security.
• MitraHelp reserves the right to suspend or terminate accounts that provide misleading information or engage in fraudulent activities.

3. BBPS Utility Bill Payments & Prepaid Recharges

• Consumer Details Responsibility: You are strictly responsible for accurately entering the Consumer Account Number, CA Number, or Mobile Number. MitraHelp cannot alter or recall transactions sent to an incorrect consumer account.
• Turnaround Times (TAT): While bill settlements and recharges are processed in real-time by MitraHelp, biller systems (such as state electricity boards or municipal corporations) may take from real-time up to 48 working hours to reflect payments on their consumer portals.
• Transaction Status Authority: HTTP 200 responses do not establish payment completion. Only transactions with `tx_status = 0` (`Success`) and valid provider Transaction IDs (`eko_tid`) constitute settled payments.
• Pending Transactions: Transactions marked as `tx_status = 2` (`Pending`) are actively being verified by the upstream biller. Duplicate payment submissions during this window are strictly blocked.

4. MitraHelp Wallet & Merchant Commissions

All transactional operations utilize the internal MitraHelp Prepaid Wallet balance (`users.wallet_balance`):

• Pre-debit Lock: Wallet funds are locked and debited atomically using row-level database transactions before sending payments to upstream providers, ensuring zero overdrafts or balance discrepancies.
• Commissions & Cashback: Retailers and distributors earn instant percentage-based commissions credited to their wallet immediately upon successful provider settlement (`tx_status = 0`).
• Non-Interest Bearing: The MitraHelp wallet is a digital prepaid utility ledger and does not accrue interest.
• Auto-Reversals: If a BBPS payment is confirmed as failed (`tx_status = 1`), the debited wallet balance is instantly and automatically refunded to the user's wallet without deductions.

5. E-Commerce Store & Electronics Hardware

MitraHelp distributes branded commercial POS hardware (Android smart POS, thermal printers, barcode scanners, biometric devices) and consumer home appliances (Smart TVs, refrigerators, kitchen appliances):

• Pricing & Availability: All prices listed are in Indian Rupees (INR) and inclusive of applicable GST unless explicitly stated otherwise.
• Order Placement & Delivery: Orders are dispatched through registered courier partners within 1–3 business days. Estimated delivery windows range from 2 to 7 working days depending on location.
• Manufacturer Warranty: Brand electronics and appliances carry original manufacturer warranty. Warranty claims can be registered directly with authorized brand service centers across India using the tax invoice provided by MitraHelp.

6. Prohibited Activities

You agree NOT to:

• Engage in payment fraud, stolen card usage, or money laundering activities.
• Circumvent or attempt to reverse-engineer API authentication, HMAC signatures, or payment callbacks.
• Exploit software bugs to manipulate wallet balances, cashback rates, or product discount coupons.
• Submit repetitive, rapid-fire payment requests designed to flood or degrade provider gateway infrastructure.

7. Limitation of Liability

To the maximum extent permitted by applicable law, MitraHelp Technologies shall not be liable for any indirect, incidental, or consequential damages resulting from upstream utility biller downtime, banking gateway timeouts, electricity board network interruptions, or delays caused by third-party courier services. MitraHelp's aggregate liability for any claim shall not exceed the transaction fee earned by MitraHelp on the disputed transaction.