Terms and Conditions

1. Acceptance of Terms

By accessing and utilizing Apna Nidhi Tech services, you agree to comply with and be bound by the following strict terms and conditions. If you do not agree to any part of these terms, you must discontinue use immediately.

2. User Account Security & Responsibilities

Users are solely responsible for maintaining the strict confidentiality of their login credentials. Any unauthorized activity, data scraping, or security breach originating from your account will lead to immediate permanent suspension and strict legal action.

3. Service Usage Policies

• All transactions and document processing must adhere strictly to portal guidelines.
• Misuse of API keys, portal tools, or administrative privileges is strictly prohibited.
• The management reserves the right to modify, suspend, or terminate services without prior notice in case of suspicious activity.

4. Privacy and Data Protection

We implement strict measures to protect user data. However, sharing credentials with third parties violates portal policies, and Apna Nidhi Tech will not be held liable for resulting security compromises.

5. Modifications to Terms

Apna Nidhi Tech reserves the right to change or update these terms at any time. Continued usage of the portal signifies your acceptance of the updated rules.

6. Platform Nature

Apna Nidhi Tech is a private digital facilitation and technology platform. Unless expressly stated and verifiable for a particular service, it is not a government department and does not guarantee approval or issuance by any authority, bank, operator or third-party provider.

7. Pricing, Wallet & Payments

Applicable charges are displayed or communicated before the relevant transaction. Wallet balance is a platform accounting balance for eligible services and is not a bank account or investment product. Online payment success is subject to payment-provider and platform verification.

8. Legal Compliance

Users must comply with all applicable laws, regulations, and government directives while using the portal. Any illegal activity will be reported to authorities and may result in permanent account termination.

09. Prohibited Use

Fraudulent documents, unauthorised applications, misleading government representation, security bypass, payment manipulation and unlawful customer-data use are prohibited.

10. Cancellation & Refunds

Refund eligibility is governed by the published Cancellation & Refund Policy. Payment success and final service approval are separate stages.