These Terms and Conditions ("T&Cs") govern your relationship with Ishmart, operated by Ishmart Technoglobal Services Pvt Ltd ("Ishmart"), across its website, mobile application, and any related platforms (collectively, the "Ishmart Platform").
Please review these T&Cs thoroughly before registering, accessing, browsing, downloading, or using the Ishmart Platform on any device, or availing any services offered—such as bill payments, recharges, digital products, semi-closed wallet functionality, marketplace access, or other future offerings. These terms apply uniformly to all services delivered directly by Ishmart Technoglobal Services Pvt Ltd or through its affiliates.
Ishmart reserves the right to modify these T&Cs at any time by posting updated versions on the Platform, without prior notice. In addition to these terms, our Privacy Policy and service-specific terms—including those from third parties—also apply when using Ishmart’s services.
By registering, accessing, browsing, downloading, or using the Ishmart Platform—or by availing any service—you expressly agree to be bound by these T&Cs, including all applicable service-specific terms (collectively, the "Agreement"). This includes any future modifications or additions to the terms governing new or existing services. Your continued use constitutes immediate and automatic acceptance. If you do not agree with any part of these T&Cs, you must refrain from using the Platform and discontinue all services immediately.
This Agreement forms a legally binding contract between you—provided you are at least 18 years old and acting as an individual user, customer, or beneficiary—and Ishmart.
Access to Ishmart’s services is conditional upon your compliance with these T&Cs. Subject to such compliance, Ishmart grants you a personal, non-exclusive, non-transferable, limited, and revocable right to access and use the Platform and its services. You represent and warrant that you have full legal capacity, authority, and right to enter into this Agreement and adhere to all its provisions. You must not misrepresent your identity, age, or affiliations. Ishmart may suspend or permanently restrict your access in the event of any breach.
To enhance service quality, we may periodically update features, adjust usage limits, introduce new services, or discontinue existing ones. Should any material change adversely affect your experience, we will provide reasonable advance notice. In such cases, you may also have the opportunity to export your data from your account.
Your access remains valid only as long as you fulfill your obligations under these T&Cs, including maintaining appropriate conduct to ensure a respectful environment for all users. Tools will be available to report misconduct by others.
Ishmart may restrict or terminate your access if we reasonably determine you are violating these T&Cs. In severe cases, we may deactivate accounts or modify/remove content without prior notice.
You may not reproduce, copy, sell, resell, display, or exploit any part of the Platform or Ishmart’s intellectual property—including trademarks—without explicit written consent.
We may use anonymized data for research, product development, or analytical purposes. All personally identifiable information will be de-identified prior to such use.
Your personal and credit-related data may be shared with third parties to facilitate service delivery. You authorize us to verify your credit profile with Credit Information Companies (CICs), and permit CICs to confirm your credit report availability. For details on how we protect your data, refer to our Privacy Policy.
While you retain ownership of content created or stored on the Platform, you grant Ishmart the right to access, store, transmit, reformat, distribute, display, and use such content as necessary to provide services under these T&Cs.
You acknowledge that:
Ishmart may communicate with you electronically (via email), by registered post, or in person using the contact details you provide.
General notices regarding services, Platform updates, or T&C changes may be posted on the Platform or delivered via SMS. Such communications are considered individually served.
While the Platform operates continuously, Ishmart is not liable for outages caused by events beyond our control—including natural disasters, network failures, system errors, legal restrictions, or device loss/theft.
Ishmart assumes no responsibility if services are inaccessible due to your location outside supported regions. We are not liable for unavailability arising from:
You must promptly report via the self-help tools or customer support if:
You agree to indemnify and hold harmless Ishmart and its affiliates against any claims, losses, damages, costs, or expenses resulting from your failure to follow, or your deviation from, instructions provided in connection with the services.
These Terms & Conditions (T&Cs) and the use of Ishmart’s services are governed exclusively by the laws of India. The ability to access services from outside India does not imply the applicability of foreign laws.
You must not disclose or misuse any non-public information obtained through the Platform. This obligation persists until such information becomes publicly available. If legally compelled to disclose confidential data, you agree to notify Ishmart promptly and cooperate fully in protecting it.
Ishmart may access, preserve, and disclose user data when required by law or when it believes in good faith that such disclosure is necessary to respond to legal claims, prevent fraud, conduct risk assessments, support users, develop products, debug systems, or protect the rights, safety, or property of Ishmart, its affiliates, users, or the public.
The Platform may include links to third-party websites, applications, content, or services that are not owned or controlled by Ishmart. These links are provided solely for your convenience. Ishmart makes no representations or warranties regarding the accuracy, reliability, or suitability of such third-party resources and accepts no responsibility or liability for their content or performance.
You assume full responsibility for reviewing the terms of use and privacy policies of any third-party services and bear all risks associated with their use.
You consent to receive service alerts, notifications, promotional offers, and other communications from Ishmart through text messages, push notifications, emails, or other communication channels, in compliance with applicable laws.
Ishmart shall not be liable for any loss, damage, claim, or expense arising from such communications. If you identify any inaccuracies, you must notify Ishmart immediately, and we will make reasonable efforts to correct them promptly.
All charges applicable on the Platform are transparent and clearly displayed. However, certain transactions may attract additional fees charged by Payment Systems Providers or other third parties, and you are solely responsible for paying such charges.
Ishmart may revise existing fees or introduce new charges as required by law, provided that users are informed in advance. All fees are determined at Ishmart's sole discretion and include all applicable taxes unless otherwise stated.
Ishmart shall not be liable for any failure or delay in performing its obligations due to force majeure events, including but not limited to natural disasters, fire, power outages, communication failures, strikes, government actions, or other events beyond its reasonable control.
If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be replaced with a valid and enforceable provision that most closely reflects the original intent. The remaining provisions shall continue in full force and effect.
