1. The access and use of this website www.ssyojna.com (herein after referred to as website) are subject to the following terms and conditions of use ("Conditions" and/or "Terms"). If you do not agree to abide by the conditions, please do not review, refer or download materials from this website. www.ssyojna.com is an initiative of Saral Point E-services Private Limited ("SPPL").

2. SPPL reserves right to modify these Terms at any point of time without notice to you by posting revised Terms on its web-sites/app. Your use of its web-sites/app constitutes your binding acceptance of these Terms, including any modifications that SPPL makes. The payment gateway page request for user to accept terms for each payment transaction signifies this consent explicitly.

3. Some of the Services may be subject to additional posted Terms & Conditions. Your use of those Services is subject to those conditions, which are incorporated into these Terms by reference. In the event of an inconsistency between these Terms and any additional posted conditions, the provisions of the additional conditions shall control.

4. SPPL have the right, but not the obligation, to take any of the following actions in its sole discretion at any time and for any reason without giving you any prior notice:-
A) Restrict, suspend, or terminate your access to all or any part of its Services;
B) Change, suspend, or discontinue all or any part of its Services;
C. Refuse, move, or remove any material that you submit to its web-sites/app for any reason;
D. Refuse, move, or remove any content that is available on its web-sites/app or on its social media;
E. Deactivate or delete your accounts and all related information and files in your account; Establish general practices and limits concerning use of its web-sites/app.
F. You agree that SPPL will not be liable to you or any third party for taking any of these actions.
G. Some of above actions may be result of any transaction activity which may come under "suspicious transactions" and would require immediate action without prior intimation as per current regulatory framework.;

5. You understand and agree that its Services may include communications such as service announcements and administrative messages from SPPL or from its partners or licensors or associates and that these communications are considered part of the Services.

6. You will not be able to opt out of receiving transactional messages. You also understand that its Services may include advertisements unless you have opted out by signing for Do Not Disturb registry for non-transactional messages. All messages related to financial transaction will continue to be delivered.

7. You irrevocably and unconditionally agree, confirm, undertake and accept these terms, and other terms and conditions on registration, for access to or use of any contents, games or materials on its web-sites/app.

8. Any amendment to these terms, and other terms and conditions from time to time shall be deemed to be accepted by you and shall be an integral part of the original terms, and other terms and conditions.

9. You confirm to provide SPPL any and every detail SPPL requires to obtain from you, including such other personal or proprietary information relating to any of your acts or omissions or violations or other persons who may be a party with you, on suspicion or otherwise in relation to the use of SPPL site/app.

10. Other web-sites, products, and services SPPL web-sites/app contain links to other Internet web-sites owned by third parties. Your use of each of those web-sites is subject to the terms and conditions, if any, that each of those web-sites has posted. Its inclusion on its web-sites/app of any third-party content or a link to a third-party site is not an endorsement of that content or any web-site to which its web-sites/app contain links.

11. You agree that SPPL will not be responsible or liable for any loss or damage of any sort incurred as the result of any of your transactions with third parties. Any questions, complaints, or claims related to any third party product or service should be directed to the appropriate vendor.

12. If a contest, competition or event is organized by SPPL on any web-site(s)/app; it shall be governed by the terms stated herein in addition to other terms and conditions which may be specifically applied per contest, competition or event.

SPPL employees, relatives, affiliates, and friends cannot participate in any contest, competition or event and shall stand disqualified with immediate effect even if participated and shall be liable to return the prize or benefit received and at its sole discretion pay penalty, damages and compensation and indemnify SPPL against any claims, expenses or liability from any person, entity or third party by this act or omission of the employees or relatives.

13. Fee-based services, contests, competition or complementary gifts and prizes Some of the Services require you to pay a charge or fee, as described in the specific conditions included where those Services are offered.

A. Some of the Services require you to pay a charge or fee, as described in the specific conditions included where those Services are offered.
B. SPPL may, upon notice if required by applicable laws, at any time change the amount of, or basis for determining, any fee or charge, or institute new fees or charges.
C. All fees and charges are payable in accordance with payment terms in effect at the time the fee or the charge becomes payable.
D. All taxes, levies, cesses or statutory claim for the charge or fee paid to SPPL or for contest competition or complimentary gifts and prizes shall be borne and paid by you, whether past, present or future, including penalties or claims on any nature whatsoever.
E. All contest, competition and complimentary winnings shall be exclusive of taxes, stamp duty, registration charges, levies, cesses and fees of lawyers engaged by SPPL, and administrative charges, as notified in the contest from time to time. These taxes and levies etc. would have to be borne by SPPL user. For all contest, competition and complimentary, you will be liable for compliance under all laws of Land. .
F. Noncompliance by you of any law shall entitle SPPL to demand return of any prize or gifts and indemnification against any claims, expenses or liabilities by any person, entity or third party including statutory authorities.
G. The cost of connectivity including but not limited to voice calls, GPRS activation charges, charges for sending/receiving SMS from designated numbers will be borne by you and charges for aforementioned will be specified by your telecom operators.

14. General Terms for use of SPPL services
A. He should not be a minor i.e. an individual who has not attained the age of majority i.e. 18 years in normal case and 21 years if guardian is appointed by the Court.
B. He should be of sound mind while making a contract. A person, who is usually of unsound mind, but occasionally of sound mind, can make a contract when he is of sound mind. Similarly if a person is usually of sound mind, but occasionally of unsound mind, may not make a valid contract when he is of unsound mind.

a. These terms and conditions as well as any amendments thereof are part of a contract between you and Saral Point E-services Private Limited ("SPPL") and govern the use of SPPL Services.
b. Any duplication/cloning of an SPPL account will be subject to cancellation and necessary legal action, if required by SPPL.
c. SPPL does not warranty against any damage or defect for the services delivered through above mentioned transactions.
d. SPPL Products/Services for select content are handset dependent. SPPL is not responsible in any manner whatsoever to provide Services to a Customer not using compatible handset.
e. SPPL is not responsible in any manner whatsoever for non-provisioning of the services due to GPRS/EDGE/3G failure/connectivity failure/download error.
f. SPPL Products/Services for select content is Operator dependent. SPPL is not obligated to provide Services to the Customers in relation to the areas/ Operators/ Service Providers not mentioned herein.
gi. GPRS/EDGE provisioning on handsets are governed by terms of respective Operator.
h. You understand and agree that password and other information with respect to your SPPL account are confidential information.
i. You agree to immediately change the password on receipt and to continue changing the password periodically (recommended every 15 days).

j. You agree that SPPL shall not be responsible if you share your password and other confidential information about your SPPL account with any person or fail to abide by the advice given in this document about changing password periodically.
k. You understand and agree that your SPPL account is linked to your registered mobile number.
s. SPPL is not obligated to provide Services to the Customers in case the Operator/Service Provider does not have the required product or the required denomination.

16. Your conduct on the Mobile Application
If SPPL request registration information from you, you will provide SPPL with true, accurate, current, and complete information
A. You will promptly update your registration to keep it accurate, current, and complete.
B You are responsible for maintaining the confidentiality of your accounts and passwords.
D. You agree to immediately notify SPPL of any unauthorized use of your passwords or accounts or any other breach of security.
E. You also agree to exit from your accounts at the end of each session.
F. SPPL will not be responsible for any loss or damage that may result if you fail to comply with these requirements.
G. The technology and the software underlying its web-sites/app and the Services is the property of Saral Point E-services Private Limited, its affiliates, and its partners or licensors or associates.
H. You agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in, or otherwise transfer any right to the technology or software underlying its web-sites/app or the Services
I. You agree not to modify the software underlying its web-sites/app in any manner or form or to use modified versions of such software, including (without limitation) for the purpose of obtaining unauthorized access to its web-sites/app.
J. Without limiting the foregoing, you agree that you will not use the services offered through its web-sites/app to take any of the following actions
i. Obscene, offensive, indecent, racial, hatred to religion, anti-national, objectionable, defame, abuse, harass, stalk, threaten, or otherwise violate the legal right of others.
ii. Publish, post, upload, e-mail, distribute, or disseminate (collectively, "Transmit") any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful content.
iii. Transmit files that contain viruses, corrupted files, or any other similar software or programs that may damage or adversely affect the operation of another person's computer, its web-sites/app, any software or hardware, or telecommunications equipment.
iv. Advertise or offer to sell any goods or services for any commercial purpose unless you have its written consent to do so.
v. Transmit web-sites/app, services, products, surveys, contests, pyramid schemes, spam, unsolicited advertising or promotional materials, or chain letters.
vi. Download any file, recompile or disassemble or otherwise affect its products that you know or reasonably should know cannot be legally obtained in such manner.
vii. Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material.
viii. Restrict or inhibit any other user from using and enjoying any public area within its web-sites/app
ix. Collect or store personal information about other end users.
x. Interfere with or disrupt its web-sites/app, servers, or networks.

the maximum extent possible.
P. Nothing contained in these Terms shall limit its right to comply with governmental, court, and law-enforcement requests or requirements relating to your use of its web-sites/app. Contact info@ssyojna.com with problems or questions, as appropriate.

17. Dispute Resolution Arbitration
Saral Point E-services Private Limited may elect to resolve any controversy or claim arising out of or relating to these Terms or its web-sites/app by binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Gorakhpur, India and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Either you or SPPL may seek any interim or preliminary relief from a court of competent jurisdiction in Lucknow, India, necessary to protect the rights or the property of you or Saral Point E-services Private Limited. (Or its agents, suppliers, and subcontractors), pending the completion of arbitration. The language of Arbitration shall be English. Governing Laws and Courts: Subject to Arbitration, the parties irrevocably agree and undertake that any controversy or claim arising out of or relating to these Terms or its web-sites/app shall be adjudicated exclusively before a competent court in Lucknow, India only. The terms and its web-sites/app shall be governed by the laws of India.
18. Miscellaneous
SPPL may be required under any legislation, to notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon its posting them on its web-sites/app or delivering them to you through e-mail. You may update your e-mail address by visiting the Services where you have provided contact information. If you do not provide SPPL with accurate information, SPPL cannot be held liable if SPPL fail to notify you. You have the right to request that SPPL provide such notices to you in paper format, and may do so by contacting: info@ssyojna.com. . Its failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of its web-sites/app or these Terms must be filed within one (1) month after such claim or cause of action arose or be forever barred.
These Terms, including all terms, conditions, and policies that are incorporated into these terms by reference, constitute the entire agreement between you and Saral Point E-services Private Limited and govern your use of its web-sites/app, superseding any prior agreements that you may have with SPPL.

Ways to register complaints:

All customers have the right to share their feedback or complaint in case they find our services are not meeting their expectations or are dissatisfied with any interaction with any of our staff members.

The Customers can send in their Queries, Requests or Complaints in the following ways:

1. Over Email:- Sending us an email on info@ssyojna.com

2. Contact Us section:- Customers can choose the contact us section on our website http://ssyojna.com or using the contact us option in the APP (Android, IOS and Windows phones)

These mechanisms are dedicated for redressing our customer complaints, providing online resolution wherever possible, and capturing valuable feedback regarding our services.

On receiving customer feedback, our executives would reach out to the customers and ensure that all grievances are redressed within a predefined Service Level Agreement as communicated below.

If the complaint is not resolved within the given timelines or the response is unsatisfactory the customer can choose to escalate the concern to our level 2 escalation officer, with relevant details such as Complaint Reference Number provided at the time of raising the initial complaint. The escalation methodology is mentioned in this policy under the Escalation Section.

Note – escalations without a complaint reference number will not be treated as complaints

Customer Resolution Timelines:

Sr. No

Complaint Type

Estimated Timelines (SLA)


Money Transfer - Load or Send Money

7 Working Days for reversal or credits (third party transaction timelines followed by leading banks)


Successful transaction but beneficiary account not credited

7 Working Days for reversal or credits (third party transaction timelines followed by leading banks)


E-recharge Transaction failure

3 Working Days


Travel & Ticketing Related Concerns

3 Working Days for booking related concerns
7 Days for refunds as some airlines and third party portals may have a higher turnaround time


Bill payment Related Issues

3 Working Days


Online Shopping Related Issue

3 Working Days

Acknowledgement of Grievances:

· Customer Engagement Centre team will acknowledge the grievance immediately on the receipt of complaint in the form of : -

· The customer will also be kept informed on the progress towards the final resolution, or communicate any delays in redressing the concern

· All complaints would be closed only basis the customers feedback and acceptance of closure

Customer Grievance Redress Escalation:

Escalation: Level 2

In case the customer is not satisfied with the

· Resolution provided by Level 1 executives

· Behavior of any representative or staff member at SPPL

· Breach in the above mentioned Service Level Agreements or timelines

The customer may choose to escalate the concern using the below mentioned methods

1. Write to Us: @

2. Email ID: info@ssyojna.com or info@saralpoint.com