1. GENERAL TERMS AND CONDITIONS

These Terms and Conditions govern the membership, participation, and services offered by DNC Chits Pvt. Ltd. ("DNC Chits"), including chit fund subscriptions and the use of the DNC Chits Online Payment Gateway Service available at https://www.dncchits.com. By enrolling in any chit scheme or making payments through the website, the User is deemed to have read, understood, and accepted these Terms and Conditions.

Users must follow the rules, regulations, and legal directions issued by DNC Chits.

DNC Chits reserves the right to amend or update these terms at any time.

If any part of these terms is unenforceable, the rest shall continue in force.

2. PRIVACY POLICY

2.1 Our Commitment

DNC Chits respects and protects your privacy. Personal information is never shared without your consent, except as required by law.

2.2 Collection of Data

We do not collect unique personal details (e.g., name, email, gender, age) unless you provide them.

Voluntary information may be used for communication, updates, or improving services.

2.3 Disclosure of Data

Your information may be shared only:

• To comply with legal requirements (court orders, search warrants, etc.).
• If you violate these terms or DNC Chits policies.
• To protect the rights, property, or safety of DNC Chits, its Users, or the public.
• To prevent fraud or security threats.

3. TERMS AND CONDITIONS FOR ONLINE PAYMENTS

3.1 Registration

Users must register before using the Online Payment Gateway.

3.2 Payment Information

You are responsible for providing correct debit card, UPI, or bank details.

By making payments, you confirm you are legally authorized to use the selected method.

3.3 Transactions

Records maintained by DNC Chits or its Payment Providers will be treated as final proof.

If payment is debited but confirmation not received, please avoid duplicate payments and contact support.

3.4 Refunds & Chargebacks

Refunds for duplicate or fraudulent transactions must be raised directly with DNC Chits.

If applicable, refunds will be processed only by DNC Chits.

No cancellations or refunds are allowed once payment is successfully processed, except in cases of error.

4. Limitation of Liability

The Online Payment Service is provided for convenience only.

DNC Chits is not responsible for delays, interruptions, or errors in the Payment Gateway.

Users agree to indemnify DNC Chits from any claims, losses, or damages arising from misuse of the service.

DNC Chits shall not be liable for issues beyond its reasonable control.

5. PAYMENT GATEWAY DISCLAIMER

The Payment Gateway is offered solely to facilitate chit subscription payments.

No guarantees are provided regarding uninterrupted or error-free operation.

Use of the Payment Gateway is entirely at the User's own risk.