Disclaimer - XPay Life

Terms of Use

This website is operated by Xpay.Life Throughout the site, the terms "we," "us" and "our" refer Xpay.Life. Xpay.Life offers this Web site, including all information, tools and services available from this site, to you, the user, conditioned upon your acceptance of all the terms, conditions, policies and notices stated here. Your use of this site constitutes your agreement to these Terms of Use.

Accuracy, Completeness and Timeliness of Information on this Site

Xpay.Life is not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. This site may contain certain historical information, which is necessarily not current and is provided for your reference only.

Use of Materials on the Site

All content on this site (including, without limitation, text, design, graphics, logos, icons, images, audio clips, downloads, interfaces, code and software, as well as the selection and arrangement thereof), is the exclusive property of and owned by Xpay.Life, its licensors or its content providers and is protected by copyright, trademark and other applicable laws. You may access, copy, download and print the material contained on the site for your personal and non-commercial use, provided you do not modify or delete any copyright, trademark or other proprietary notice that appears on the material you access, copy, download or print. Any other use of content on the site, including but not limited to the modification, distribution, transmission, performance, broadcast, publication, uploading, licensing, reverse engineering, transfer or sale of, or the creation of derivative works from, any material, information, software, products or services obtained from the site, or use of the site for purposes competitive to Xpay.Life, is expressly prohibited. Xpay.Life retains full and complete title to the material provided on the site, including all associated intellectual property rights, and provide this material to you under a license that is revocable at any time in Xpay.Life’s sole discretion. Xpay.Life neither warrants nor represents that your use of materials on this site will not infringe rights of third parties not affiliated with Xpay.Life.

You may not use contact information provided on the site for unauthorised purposes, including marketing. You may not use any hardware or software intended to damage or interfere with the proper working of the site or to surreptitiously intercept any system, data or personal information from the site. You agree not to interrupt or attempt to interrupt the operation of the site in any way.

Conduct on the Site

Some features that may be available on this site require registration. By registering at and in consideration of your use of the site you agree to provide true, accurate, current and complete information about yourself.

Links

This site may contain links to other Web sites, some of which are operated by Xpay.Life or its affiliates and others of which are operated by third parties. These links are provided as a convenience to you and as an additional avenue of access to the information contained therein. We have not necessarily reviewed all the information on those other sites and are not responsible for the content of those or any other sites or any products or services that may be offered through those or any other sites. Different terms and conditions may apply to your use of any linked sites. We are not responsible for any losses, damages or other liabilities incurred as a result of your use of any linked sites.

Trademarks and Copyrights

Trademarks, logos and service marks displayed on this site are registered and unregistered trademarks of Xpay.Life or its affiliates and are their property. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without Xpay.Life’s prior written permission, except as otherwise described herein. This site and all of its content, including but not limited to text, design, graphics, interfaces and code, and the selection and arrangement thereof, is protected as a compilation under the copyright laws of France and other countries.

Disclaimers

Your use of this site is at your sole risk. The site is provided on an “as is” and “as available” basis. We reserve the right to restrict or terminate your access to the site or any feature or part thereof at any time without notice. Xpay.Life expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose and any warranties that materials on the site are non-infringing, as well as warranties implied from a course of performance or course of dealing; that access to the site will be uninterrupted or error-free; that the site will be secure; that the site or the service that makes the site available will be virus-free, or that information of the site will be complete, accurate or timely.

Limitation of liability

You acknowledge and agree that you assume full responsibility for use of the site. You acknowledge and agree your use of the site is at your own risk and that the site is made available to you at no charge. Recognizing such, you acknowledge and agree that, to the fullest extent permitted by applicable law, neither Xpay.Life nor its affiliates, suppliers or third party content providers will be liable for any direct, indirect, punitive, exemplary, incidental, consequential, special or other damages arising out of or in any way related to the site, or any other site you access through a link from this site or from any actions we take as a result of communications you send to us, or the delay or inability to use the site, or for any information, products or services advertised in or obtained through the site. Your sole and exclusive remedy for any of the above claims or any dispute with Xpay.Life is to discontinue your use of the site.

Jurisdiction and Applicable Law

The laws of India govern these Terms of Use and your use of the site, and you irrevocably consent to the jurisdiction of the High Court, Delhi for any action arising out of or relating to these Terms of Use. We recognize that it is possible for you to obtain access to this site from any jurisdiction in the world, but we have no practical ability to prevent such access. This site has been designed to comply with the laws of India. If any material on this site, or your use of the site, is contrary to the laws of the place where you are when you access it, the site is not intended for you, and we ask you not to use the site. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.

Discount Coupons

Instant Discounts are not Cash backs. Instant Discounts are applied while making a payment itself and its instant saving, It's an Artificial Intelligence based system which picks up the location, biller, bill amount, adaptability and other multiple factors to calculate the Instant Discount amount which varies from 2% Min till 100%.

Refer & Earn

Referral bonus is applied only after the 1st successful transaction done by the user who has been Referred. No Referral Points applicable if the 1st transaction is not done.

Changes to These Terms of Use

Xpay.Life reserves the rights, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time, by posting revised terms on the site. It is your responsibility to check periodically for any changes we make to the Terms of Use. Your continued use of the site after any changes to the Terms of Use or other policies means you accept the changes.

Sl No	Subdivision	Subdivision Code
1	ADITYAPUR-I	37	Select
2	ADITYAPUR-II	38	Select
3	AMRAPADA	79	Select
4	ASHOK NAGAR	11	Select
5	Barharwa	76	Select
6	Barhet	112	Select
7	Barhi	53	Select
8	BARWADDA	93	Select
9	BARWAHDIH	29	Select
10	BASUKINATH	72	Select
11	Bermo(Fusro)	106	Select
12	Bhurkunda	60	Select
13	BUNDU	3	Select
14	CHAIBASA(R)	44	Select
15	CHAIBASA(U)	43	Select
16	CHAKRADHARPUR	49	Select
17	CHAKULIA-1	41	Select
18	Chandankiyari	103	Select
19	CHANDIL	48	Select
20	CHAS (R)	102	Select
21	CHAS (U)	101	Select
22	CHATRA(N)	55	Select
23	CHATRA(S)	56	Select
24	CHHATTARPUR	26	Select
25	CHHOTAGOVINDPUR	36	Select
26	Chirkunda	91	Select
27	Chouparan	54	Select
28	DALBHUMGARH	40	Select
29	DALTONGANJ (RURAL)	113	Select
30	DALTONGANJ (URBAN)	25	Select
31	DEOGHAR	80	Select
32	Diguadih	97	Select
33	DOMCHANCH	69	Select
34	DORANDA	12	Select
35	DUMARI	63	Select
36	DUMKA(R)	74	Select
37	DUMKA(U)	73	Select
38	GARHWA-I	30	Select
39	GARHWA-II	31	Select
40	GHAGHRA	109	Select
41	GHATSHILA	39	Select
42	GIRIDIH(R)	62	Select
43	GIRIDIH(U)	61	Select
44	GODDA	84	Select
45	GOLA	58	Select
46	GOMIA(KATHARA)	40	Select
47	GOMOH	104	Select
48	GOVINDPUR	92	Select
49	GUMLA	20	Select
50	HARMU	10	Select
51	HAZARIBAGH(R)	52	Select
52	HAZARIBAGH(U)	51	Select
53	HEC DHURWA	13	Select
54	HIRAPUR	86	Select
55	JADUGODA	42	Select
56	JAINAMORE	107	Select
57	Jamtara	70	Select
58	Jamua	65	Select
59	JAPLA	27	Select
60	JASIDIH	83	Select
61	Jharia	94	Select
62	JHUMRITILIYA	68	Select
63	JUGSALAI	35	Select
64	KAMDARA	108	Select
65	KANKE	8	Select
66	Karandih	110	Select
67	KARKEND	88	Select
68	Kathara	114	Select
69	KATRAS	100	Select
70	KHUNTI	18	Select
71	KODERMA	67	Select
72	KOKAR	5	Select
73	KOLEBIRA	22	Select
74	Kujju	59	Select
75	KURU	24	Select
76	LALPUR	4	Select
77	LATEHAR	28	Select
78	LOHARDAGA	23	Select
79	Loyabad (Ganeshpur)	99	Select
80	MADHUPUR	82	Select
81	MAHAGAMA	85	Select
82	MAIN ROAD	9	Select
83	MANDER	16	Select
84	MANGO	34	Select
85	Mango-II	125	Select
86	MANOHARPUR	50	Select
87	MIHIJAM	71	Select
88	Mukunda	96	Select
89	NAGAR UTARI	32	Select
90	NAYA BAZAAR	87	Select
91	NIRSA 1	89	Select
92	NIRSA 2	90	Select
93	NOWAMUNDI	45	Select
94	ORMANJHI	2	Select
95	PAKUR	78	Select
96	RAJDHANWAR	66	Select
97	Rajkharshawan	47	Select
98	RAJMAHAL	77	Select
99	RAMGARH	57	Select
100	RATU CHATTI	15	Select
101	RATU ROAD	17	Select
102	RMCH	6	Select
103	SAHIBGANJ	75	Select
104	SARAIKELA	46	Select
105	SARATH	81	Select
106	SIMDEGA	21	Select
107	Sindri	98	Select
108	TATISILWAI	1	Select
109	Tisri	64	Select
110	Topchanchi	111	Select
111	TORPA	19	Select
112	Tundi	94	Select
113	TUPUDANA	14	Select
114	UPPER BAZAR	7	Select

$10 Amount	8 Talktime	7 Days Validity	Talktime $8 & 2 Local & National SMS & Free SMS valid for 2 day(s)
$15 Amount	13 Talktime	15 Days Validity	Regular Talktime
$50 Amount	47 Talktime	28 Days Validity	47 Local Vodafone min free
$100 Amount	92 Talktime	28 Days Validity	Local min 92 & 10 Local & National SMS & Free SMS valid for 7 day(s).
$150 Amount	143 Talktime	60 Days Validity	Talktime $143 & 50 Local & National SMS & Free SMS valid for 15 day(s).
$220 Amount	220 Talktime	28 Days Validity	Full Talktime
$250 Amount	250 Talktime	28 Days Validity	Full Talktime + 50 SMS per day for 7 days.
$300 Amount	301 Talktime	64 Days Validity	Full Talktime
$410 Amount	0 Talktime	28 Days Validity	Unlimited Local,STD & Roaming calls
$501 Amount	510 Talktime	180 Days Validity	Full Talktime + 100 SMS per day for 28 days.
$799 Amount	820 Talktime	250 Days Validity	Full Talktime + 100 SMS per day for 84 days.
$999 Amount	1099 Talktime	356 Days Validity	Full Talktime + 100 SMS per day for 90 days.

Consumer Number :
Category :
Biller Name :
Biller Period :
Amount :
Discount :
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