Terms & Conditions

Last Updated: September 2026

Welcome to SP704 Bharat. By accessing, registering on, or using our website, B2B portal, applications, and digital services, you agree to comply with and be bound by these Terms & Conditions. Please read them carefully before using our services.

1. About Our Services

SP704 Bharat provides a digital platform for retailers, agents, business partners, CSCs, and other service providers to access and facilitate various digital and B2B services, including but not limited to:

• AEPS and banking-related services
• Domestic Money Transfer (DMT)
• BBPS and utility bill payments
• Mobile and DTH recharge
• e-District and citizen services
• PAN and Passport-related services
• GST and Income Tax-related services
• Insurance, loan and financial service facilitation
• Education and scholarship services
• Travel and other digital services
• Web design and mobile app development
• Digital marketing and promotional services
• White-label B2B portal solutions

Availability of individual services may depend on applicable service providers, technical availability, regulatory requirements, and eligibility.

2. Registration & Account

To access certain B2B services, users may be required to register and provide accurate and complete information.

You agree to:

• Provide genuine and up-to-date information.
• Maintain the confidentiality of your login credentials.
• Not share your account or credentials with unauthorized persons.
• Use the portal only for lawful business purposes.
• Immediately notify us of any unauthorized access or suspicious activity.

We reserve the right to suspend, restrict, or terminate an account where information is found to be false, misleading, fraudulent, or in violation of these Terms.

3. Retailer, Agent & Partner Responsibility

Retailers, agents, distributors, and business partners are responsible for the transactions and services performed through their accounts.

Partners must:

• Verify customer information and documents where applicable.
• Obtain required customer consent before processing services.
• Follow applicable laws, regulations, and service-provider guidelines.
• Maintain transaction records where required.
• Not misuse the platform for fraudulent, unauthorized, or illegal activities.

4. Document Verification & Validation

Certain services may require documents, identity information, photographs, or other supporting details.

All documents and information submitted by users or customers must be genuine, valid, and accurate. SP704 Bharat or its service partners may verify submitted information before processing a service request.

Submission of documents does not guarantee approval, issuance, certification, or completion of any government, banking, financial, insurance, passport, PAN, loan, or other service. Final approval or rejection may be determined by the concerned government department, bank, financial institution, insurer, or third-party service provider.

5. Payments & Wallet

Where applicable, users may be required to maintain sufficient balance or make payment before initiating a service.

Users are responsible for ensuring that payment and transaction details are correct before confirmation. Once a transaction has been successfully processed, reversal or refund may not always be possible.

Any wallet, recharge, service balance, or transaction facility is subject to the rules and conditions of the applicable service provider.

6. Refund & Cancellation Policy

Service charges paid for successfully processed services are generally non-refundable.

A refund may be considered only where:

• A transaction has failed but the amount has been successfully debited and is not automatically reversed.
• A duplicate payment has been confirmed.
• A refund is specifically approved under the applicable service-provider policy.

Refunds, where approved, will be processed through the applicable payment method or wallet mechanism within a reasonable period.

Application fees, government fees, processing charges, convenience fees, and third-party charges may be non-refundable once the service request has been submitted or processed.

7. Transaction Responsibility

Users must carefully verify customer details, account numbers, mobile numbers, amounts, beneficiary information, and other transaction details before confirming a transaction.

SP704 Bharat shall not be responsible for losses caused by incorrect information entered or submitted by the user, retailer, agent, or customer.

8. Government & Third-Party Services

Some services available through the portal may be provided, processed, or facilitated through government departments, banks, financial institutions, payment networks, APIs, technology providers, or other third parties.

SP704 Bharat does not guarantee uninterrupted availability, processing time, approval, or outcome of third-party services.

Any delay, rejection, downtime, technical issue, policy change, or service interruption caused by a third party may be beyond our control.

9. AEPS & Financial Services

AEPS, DMT, BBPS, payment, insurance, loan, credit card, and other financial services may be subject to applicable regulatory requirements and the terms of the respective banks, financial institutions, payment networks, and service providers.

Users must not use these services for money laundering, fraud, unauthorized transactions, or any other unlawful purpose.

We reserve the right to suspend transactions or accounts where suspicious or prohibited activity is detected.

10. White Label Partnership

White Label Partners may receive a platform or technology solution that operates under their approved brand identity, subject to the applicable agreement, fees, technical requirements, and service-provider policies.

White Label Partners are responsible for:

• Their own business operations and customer relationships.
• Providing accurate business and KYC information.
• Complying with applicable laws and regulations.
• Using the platform only for permitted services.
• Maintaining their brand and customer-support responsibilities as agreed.

White Label services may be subject to separate commercial, technical, onboarding, and service-level terms.

11. Prohibited Activities

Users must not use the platform to:

• Commit fraud or financial crimes.
• Submit false or forged documents.
• Conduct unauthorized financial transactions.
• Impersonate another person or organization.
• Violate applicable laws or regulations.
• Attempt to gain unauthorized access to the portal or systems.
• Introduce malicious software or interfere with platform security.
• Use the services for any unlawful or prohibited purpose.

Violation of these conditions may result in immediate account suspension or termination.

12. Intellectual Property

All website content, logos, graphics, software, designs, text, trademarks, and other intellectual property belonging to SP704 Bharat or its licensors are protected by applicable laws.

Users may not copy, reproduce, modify, distribute, sell, or commercially exploit our intellectual property without prior written permission.

13. Website & Service Availability

We make reasonable efforts to maintain the availability and functionality of our platform. However, we do not guarantee that the website, portal, APIs, applications, or services will always be available, uninterrupted, or error-free.

Services may occasionally be unavailable because of maintenance, technical issues, network failures, third-party downtime, security incidents, or circumstances beyond our reasonable control.

14. Limitation of Liability

SP704 Bharat shall not be liable for indirect, incidental, consequential, or business losses arising from the use or inability to use the platform or third-party services, except where liability cannot legally be excluded.

Users acknowledge that certain services depend on external banks, government portals, payment networks, APIs, and other service providers.

15. Account Suspension & Termination

We reserve the right to temporarily suspend or permanently terminate an account if we reasonably believe that the user:

• Has violated these Terms & Conditions.
• Has provided false information.
• Has engaged in fraudulent or suspicious activity.
• Has misused the platform.
• Has violated applicable law or third-party service policies.

Any pending transaction, balance, or dispute may be subject to verification before appropriate action is taken.

16. Privacy

Personal and business information collected through our website and services will be handled in accordance with our Privacy Policy. Users should review the Privacy Policy before submitting personal information.

17. Changes to Terms

SP704 Bharat reserves the right to modify, update, or replace these Terms & Conditions at any time. Updated terms will be published on this page.

Continued use of the website or services after changes are published constitutes acceptance of the updated Terms & Conditions.

18. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India. Any disputes shall be subject to the jurisdiction of the appropriate courts in Odisha, India, unless otherwise required by applicable law or contractual agreement.

19. Contact Us

For questions regarding these Terms & Conditions, service requests, refunds, or account-related matters, please contact us:

SP704 Bharat
Address: Bhubaneswar, Odisha, Bharat
Mobile: 9777047704
Email: sp704solutions@gmail.com

By using the SP704 Bharat website, B2B portal, application, or services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.