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At 2Kadam, we aim to ensure successful processing of every transaction through our platform; however, transactions may occasionally fail due to technical issues involving banks, NPCI, telecom operators, billers, payment networks, APIs, or other third-party service providers. For failed DMT, Recharge, Bill Payment, and other eligible transactions where the amount has been deducted from the 2Kadam retailer wallet, the amount is generally auto-refunded within 2 to 4 business hours after confirmation of the failed transaction. If a transaction shows Pending or Processing, the retailer must wait for the final status, which may take up to 24 to 48 working hours depending on the relevant bank, operator, or service provider. Refunds will normally be processed only after the transaction is confirmed as Failed. For AEPS transactions, if the customer's bank account is debited but the transaction fails on the 2Kadam portal, the amount may not be credited to 2Kadam and the customer's bank will generally process the applicable reversal according to the relevant banking and regulatory timeline, which may generally take 3 to 7 working days. Retailers are advised not to hand over cash in failed AEPS transactions. 2Kadam is not responsible for successful transactions made using incorrect account numbers, mobile numbers, beneficiary details, customer IDs, or biller information entered by the retailer or user. Once successfully processed, such transactions may not be canceled, reversed, or refunded. For wallet top-ups, users must follow the official fund transfer process and provide the UTR or transaction reference number if the amount is not reflected within the applicable timeframe. Cash deposits made without prior approval are strictly prohibited and may be non-refundable. Refund claims may be subject to transaction verification and supporting documents. <a href="/refund-policy" aria-label="Read more about Refund Policy">Read More...</a>

At 2Kadam, we respect the privacy of our retailers, distributors, customers, business partners, and website users and are committed to protecting their personal and business information. We may collect information such as name, mobile number, email address, business details, KYC information, PAN details, bank account details, transaction details, device information, IP address, and other information required to provide and secure our services. The information collected may be used for account registration, KYC verification, transaction processing, wallet management, customer support, fraud prevention, security, service improvement, and compliance with applicable laws and regulatory requirements. Where required, necessary information may be shared with authorized banks, NPCI, payment networks, billers, telecom operators, API providers, service partners, regulators, government authorities, or other authorized third parties for processing transactions, verification, security, or legal compliance. 2Kadam takes reasonable technical and organizational measures to protect information from unauthorized access, misuse, alteration, disclosure, or loss; however, no online system can be guaranteed to be completely secure. Users are responsible for keeping their usernames, passwords, PINs, OTPs, and other confidential information secure and must immediately notify 2Kadam if they suspect unauthorized access or fraudulent activity. We do not sell or knowingly rent personal information to unauthorized third parties. Our website may use cookies and similar technologies to improve functionality and user experience. Information may be retained for as long as necessary for service delivery, dispute resolution, fraud prevention, accounting, legal, and regulatory requirements. 2Kadam may update this Privacy Policy from time to time, and revised terms will be published on the website. By accessing or using 2Kadam services, you acknowledge and agree to the collection, use, and processing of information as described in this Privacy Policy. <a href="/privacy-policy" aria-label="Read more about Privacy Policy">Read More...</a>

By accessing, registering with, or using the 2Kadam website, portal, applications, APIs, software, and related services, you agree to comply with these Terms & Conditions. 2Kadam provides digital financial, payment, recharge, bill payment, AEPS, DMT, PAN-related, API, travel, and other services through authorized retailers, distributors, business partners, and service providers. Users are responsible for providing accurate, complete, and updated personal, business, KYC, banking, and transaction information and for maintaining the confidentiality of their username, password, PIN, OTP, and other account credentials. All transactions must be initiated using correct customer and beneficiary details, and users are responsible for verifying account numbers, mobile numbers, biller details, amounts, and other information before confirming a transaction. 2Kadam shall not be responsible for losses resulting from incorrect information entered by users or retailers. Transaction processing may depend on third-party banks, NPCI, telecom operators, billers, payment networks, APIs, and other service providers, and therefore delays, failures, or interruptions may occur due to technical issues, network failures, maintenance, downtime, or circumstances beyond our reasonable control. Users must not use the platform for fraudulent, illegal, unauthorized, misleading, or prohibited activities, including misuse of accounts, fraudulent transactions, identity misuse, or attempts to bypass security systems. 2Kadam reserves the right to suspend, restrict, hold, or terminate accounts or transactions where suspicious activity, fraud, violation of these terms, or applicable legal or regulatory requirements is identified. Wallet balances, transaction charges, refunds, settlements, and service-related matters will be governed by applicable 2Kadam policies and service terms. 2Kadam may modify, suspend, discontinue, or update services, charges, features, or these Terms & Conditions at any time. Continued use of the platform after updates constitutes acceptance of the revised terms.<a href="/terms-and-conditions" aria-label="Read more about Terms And Conditions">Read More...</a>