Terms & Conditions
Website, platform & mobile applications
Last updated: 19 August 2026 | SM Enterprises (est. 2014)
These Terms govern use of smfintech.com, SM Enterprises software/IT services, mobile apps (including white-label partner apps), and related digital platform features. By using any service, you agree to these Terms, our Privacy Policy, Refund Policy and Cancellation Policy.
1. About SM Enterprises
SM Enterprises (164 Sherpur, Gohad, Bhind – 477117; [email protected]; +91 97538 31508) provides IT/software development and operates a technology platform for digital recharge, BBPS bill payment, prepaid wallet and related services since 2014.
2. Technology provider — not a bank
SM Enterprises is a technology platform provider, not a bank, NBFC or standalone payment system operator. We do not independently offer unlicensed remittance or banking. Regulated financial features (where available on an app) are facilitated only through RBI-authorised partner institutions under their licences and NPCI/RBI rules.
3. White-label apps
Apps published under partner names/packages on Google Play that connect to our infrastructure are governed by these Terms and policies at smfintech.com unless a separate written agreement applies.
4. Eligibility
- Age 18+ and competent under Indian law
- Accurate registration information
- KYC where required for wallet, partner-banking or high-value features
5. Services
Digital services only — no physical goods. Primary services: prepaid recharge, DTH, BBPS bill pay, wallet top-up/spend, promotional features, and optional partner-enabled banking-channel features. IT services (web/app development, integration) are governed by separate project agreements where applicable.
6. Payments
- Collections via RBI-authorised payment aggregators/gateways (Cashfree, Razorpay, PayU, etc. as integrated)
- Wallet is prepaid electronic value for platform use
- Fees disclosed before confirmation
7. Prohibited use
No illegal activity, fraud, money laundering, false KYC, system abuse, or unauthorised resale of services.
8. Verification APIs
Identity verification integrated on the platform is for KYC compliance only. Users and partners must not misuse verification outputs or circumvent provider terms.
9. Liability
Limited to the extent permitted by law; transaction disputes per Refund Policy.
10. Governing law
Laws of India; courts at Bhind/Gwalior, MP (subject to consumer forums).