Terms & Conditions.

01Acceptance of Terms

These Terms & Conditions (“Terms”) describe the rules for using the BR Business Mart website, app, member portal and related digital services (“Platform”). “We,” “us” and “our” refer to BR Business Mart, a proprietorship based in Balangir, Odisha, India – 767001.

By registering for, accessing or using the Platform, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Platform. Your use must comply with applicable Indian laws and the specific requirements of each service provider.

02Eligibility & Partner Roles

The Platform is intended for individuals aged 18 years or older and businesses operating in India. Available account roles include Retailer, Distributor and Master Distributor. Eligibility for a particular role, product or service may depend on verification, onboarding criteria, regulatory requirements and any separate written commercial agreement.

Registration does not guarantee activation, approval for every service, commissions, earnings or continued access.

03Registration & Account Information

Accounts may be created by an authorized administrator, master distributor, distributor or by users through self-registration. You must provide accurate, current and complete details and promptly correct changes that can be updated through the Platform or support.

Registration may request your name, shop or business name, email, mobile number, date of birth, father’s name, address, Aadhaar number and PAN number, depending on the onboarding or KYC process. You must provide only information that you are legally authorized to submit. We may review, suspend or decline accounts with incomplete, inaccurate or unverifiable information.

04Identity Verification & KYC

BR Business Mart reports an Aadhaar OTP-based verification workflow that may return identity details made available through the authorized verification process. The Platform also uses PAN information for onboarding and applicable services. You are responsible for providing your own accurate information and completing required consent and verification steps.

Do not submit another person’s identity information without valid authority and any legally required consent. Do not share OTPs, login passwords or other authentication secrets with staff or third parties. KYC approval, document verification and access to particular PAN workflows are subject to the relevant provider’s rules and applicable law.

BR Business Mart states that it does not collect or store biometric data on its own Platform. Some PAN activities may direct users to separate authorized providers’ interfaces that have their own terms and privacy practices.

05Login & Account Security

Account sign-in uses a registered mobile number and password. An additional login OTP may be required when the account holder enables that option in the profile. You are responsible for maintaining the confidentiality of your credentials, restricting access to your device and promptly reporting suspected unauthorized use.

We may restrict access or require additional verification where suspicious activity, misuse or security risk is detected. Do not attempt to bypass account controls, access others’ accounts or interfere with Platform security.

06Services & Third-Party Dependencies

The services currently identified for BR Business Mart include mobile recharge, DTH recharge, NSDL/UTI PAN assistance and PAN corrections, together with related retailer and distributor operations. Actual availability may vary by account, location, provider status, technical conditions and eligibility.

BR Business Mart has identified Ezytm Pvt Ltd as a service/API provider. Service processing may involve external operators, PAN systems or other parties needed to complete the requested transaction. Their response times, technical restrictions and applicable requirements can affect processing and outcomes.

AEPS, Micro ATM, Aadhaar Pay, DMT and BBPS are not represented as currently available services under these Terms. Any future addition will be governed by the then-applicable service conditions.

07Wallet Funding & Use

The Platform provides an internal service wallet for eligible platform transactions. You have stated that wallet funds can be added through a BR Business Mart-controlled UPI QR process. Wallet loading must be performed using the official instructions provided within the Platform.

The wallet is not a bank account. Based on the current Platform design, users cannot transfer or settle wallet funds directly to their bank accounts. Wallet balances are intended for eligible services offered on the Platform, subject to the applicable transaction rules.

Users should confirm the recipient details and transaction amount before paying. If a UPI payment is made but the wallet is not credited, contact support with the transaction reference. Do not share your UPI PIN or OTP. Wallet loads and adjustments may be verified against payment and internal ledger records.

08Transactions, Instructions & Receipts

Before submitting a recharge or PAN-related service request, check all entered details, including the mobile number, DTH subscriber identifier, PAN applicant information, amount and service selection. Incorrect information may cause delays, failed processing or loss that cannot always be reversed.

A request may be pending, successful or failed depending on responses from the relevant service systems. A submitted or debited request is not a guarantee of final service completion. Keep the Platform transaction ID and any applicable provider reference for reconciliation and support.

09Failed Transactions & Refunds

According to BR Business Mart’s currently described practice, a failed recharge or comparable eligible transaction is ordinarily refunded to the same Platform wallet within 24 hours. This is an operating expectation, not an unconditional promise: provider confirmation, reconciliation, network problems and exceptional cases may require additional time.

Successful recharge and PAN services may not be reversible after processing. Eligibility for cancellation or refund depends on the type and status of the service and any applicable provider or legal rules. Where a transaction remains pending or a refund does not appear, contact support with the relevant transaction details.

These Terms do not establish an unrestricted right to cash withdrawal or bank settlement of wallet amounts. A separately published Refund Policy, where applicable, should be read with these Terms; if there is an inconsistency, seek clarification from support before transacting.

10Fees, Prices, Commissions & Taxes

Service fees, partner pricing, wallet deductions, applicable taxes and any commission or incentive arrangements may differ by service, account role or the commercial terms communicated to that partner. The price or amount displayed or confirmed before a transaction should be reviewed carefully.

No fixed commission percentage, minimum earnings, lifetime price or guaranteed income is promised by these Terms. Tax treatment, invoices and partner commission obligations are subject to applicable law and the relevant commercial documentation.

11Acceptable Use & Partner Responsibilities

You must use the Platform only for lawful business purposes and must not:

• Submit false, misleading or unauthorized customer information or impersonate another person.
• Collect or use customer KYC details without the required authorization and lawful basis.
• Attempt fraudulent transactions, wallet manipulation, credential sharing or abuse of refunds and promotions.
• Probe, attack, reverse engineer or disrupt Platform systems, or obtain unauthorized access.
• Misrepresent BR Business Mart’s services, regulatory status, prices or commissions to customers.

Retailers and distributors are responsible for following applicable customer consent, recordkeeping and service-provider procedures relevant to their activities.

12Service Availability & Maintenance

We aim to make the Platform available for normal use, but services may be interrupted by maintenance, internet connectivity, payment systems, third-party provider outages, technical errors or events beyond reasonable control. We do not promise uninterrupted operation or a particular transaction completion time in all circumstances.

Information and interface features may be updated to improve the Platform or meet operational or legal needs.

13Account Restrictions, Deactivation & Closure

We may limit, suspend or deactivate an account when reasonably necessary for security, misuse investigations, verification failures, suspected fraud, provider restrictions or applicable legal obligations. Where practicable and appropriate, affected users can contact support for clarification.

The current account-deactivation process may stop further account use without automatically deleting stored KYC, wallet and transaction records. BR Business Mart has reported long-term or indefinite retention of these records; the final retention schedule and deletion process have not yet been confirmed. See the Privacy Policy and contact support to make an account or data-related request.

Wallet handling at closure, outstanding disputes and record retention may depend on verified balances, applicable law and any agreed commercial terms; no automatic bank payout is promised.

14Privacy, Permissions & Communications

Our Privacy Policy explains the reported collection and handling of account details, Aadhaar OTP-based KYC data, IP addresses, transaction records, session information and other relevant data.

Features may request access to camera, location, SMS, contacts, microphone, photos/storage or notifications, depending on the app implementation and purpose. Permissions should only be requested where genuinely needed and disclosed in the Platform and applicable app-store declarations. We may send transaction, security, service and promotional communications using available channels. Available marketing opt-out controls can be used to decline promotional messages.

15Platform Content & Intellectual Property

BR Business Mart’s website content, layouts, text, branding and software components are provided for use of the Platform, subject to any third-party ownership. You must not copy, distribute or commercially exploit Platform materials without appropriate permission. Operator, PAN system and payment marks remain the property of their respective owners, and their appearance does not by itself imply a direct endorsement.

16Disclaimers & Responsibility

To the extent permitted by applicable law, services are provided subject to technical availability and applicable third-party conditions. We are not responsible for losses caused solely by incorrect information submitted by a user, unauthorized disclosure of the user’s credentials or interruptions outside our reasonable control, except where law provides otherwise.

Nothing in these Terms excludes or limits any consumer, contractual or statutory rights that cannot lawfully be excluded or limited. Any liability, remedies or dispute resolution will be assessed in light of the facts, applicable law and any written agreement.

17Updates & Applicable Law

These Terms are stated as effective from 1 October 2026. We may revise them when Platform services, commercial arrangements or legal requirements change. The current version will be published at this URL; significant changes may be communicated through an appropriate Platform channel.

These Terms are intended to operate under applicable Indian law. We have not specified an exclusive court or arbitration venue because no such agreement has been provided. Where a dispute arises, contact our support team first so that it can be reviewed; statutory remedies remain available where applicable.

18Contact & Complaints

Business: BR Business Mart (Proprietorship)
Address: Balangir, Odisha, India – 767001
Support / grievance email: support@brbusinessmart.com
Phone: +91 8144276263

When reporting a transaction issue, include your registered contact details and the transaction reference, but never share passwords, OTPs, UPI PINs or full Aadhaar numbers over email or chat. We will review the matter through the applicable support process.