Zagg UPI Cashback Feature

Terms & Conditions

1. Feature Overview

These Terms & Conditions ("Terms") govern the use and participation in the Zagg UPI Cashback Feature ("Feature") made available to eligible users of the Zagg.money mobile application ("App").
The Feature is a promotional offering made available by Zagg.money to such Customers as may be identified by Zagg.money as eligible from time to time. Under the Feature, eligible Customers may earn cashback of up to ₹25 (Rupees Twenty-Five only) per Eligible Merchant (P2M) Transaction, subject to the applicable eligibility criteria, transaction conditions, cashback limits, validation requirements and other terms set out in these Terms.
The reference to cashback of "up to ₹25" represents the maximum cashback that may be available in respect of an Eligible Transaction and does not constitute a guaranteed or unconditional entitlement to ₹25 cashback. The actual cashback amount, if any, may vary from transaction to transaction and shall be determined in accordance with the cashback rules and other criteria applicable to the Feature.
A successful, authorised or completed payment does not, by itself, guarantee eligibility for or entitlement to cashback. Cashback shall be subject to verification and validation by Zagg.money and may be withheld, adjusted, cancelled, reversed or recovered where the applicable eligibility or transaction conditions are not satisfied or where otherwise permitted under these Terms and applicable law.
Participation in the Feature and receipt of cashback shall be subject to these Terms, the applicable terms governing the Customer's Zagg.money account, applicable Zagg.money policies, and all applicable laws, regulations and payment-network requirements.
For the avoidance of doubt, Zagg.money does not guarantee that every eligible Customer or every successful Merchant (P2M) transaction will result in cashback, even where the Feature is displayed or communicated to the Customer, unless all applicable conditions for earning cashback have been satisfied.

2. Eligible Criteria

Eligibility in the Campaign is subject to the following terms and conditions:

The Customer maintains an active and valid account with Zagg.money and complies with these Terms, the applicable terms and conditions governing the Customer's account, and all applicable policies, rules and requirements of Zagg.money;
The Customer is identified by Zagg.money as eligible for the Feature based on the eligibility criteria determined by Zagg.money from time to time;
The Feature is communicated to, displayed to, or otherwise made available to the Customer through the App, email, SMS, or any other communication channel used by Zagg.money;
The Customer completes the qualifying transaction(s) strictly in accordance with the terms and conditions of the Feature, including any applicable minimum transaction value, transaction period, merchant, transaction type, payment method or other qualifying criteria; and
The Customer's account and qualifying transaction(s) are not subject to any fraud, abuse, misuse, manipulation, suspicious activity, chargeback, reversal, cancellation or other activity that, in the reasonable determination of Zagg.money, may affect the Customer's eligibility or entitlement under the Feature.

No Automatic Entitlement

Receipt of a communication regarding the Feature, display of the Feature within the App, or identification of a Customer as potentially or provisionally eligible shall not, by itself, create an unconditional or vested right to receive cashback. Cashback shall be credited only where the Customer satisfies all applicable eligibility and qualifying conditions and the transaction is successfully validated by Zagg.money.
Customers who have not been identified as eligible for the Feature by Zagg.money shall not be entitled to participate in or claim any cashback under the Feature.

Eligibility and Exclusion Rights

Zagg.money reserves the right, at its sole discretion and subject to applicable law, to:

determine, modify, suspend or withdraw eligibility for the Feature;
exclude or restrict any Customer, account, merchant, transaction, transaction type, payment method, category or other transaction from the Feature;
refuse, withhold, cancel, reverse or recover any cashback where Zagg.money reasonably determines that the applicable eligibility or qualifying conditions have not been satisfied, or that the cashback has been obtained or claimed through fraud, abuse, misuse, manipulation, error or in violation of these Terms;
correct any cashback credited due to technical, system, operational or other errors, including by deducting or recovering the relevant amount from the Customer's account, to the extent permitted under applicable law; and
amend, suspend or discontinue the Feature, in whole or in part, at any time, subject to applicable law.

Zagg.money's determination regarding eligibility, qualifying transactions and the applicability of the Feature shall be final and binding, except to the extent otherwise required under applicable law.
Nothing in these Terms shall require Zagg.money to provide cashback where the Customer or transaction does not satisfy the applicable eligibility criteria or where providing such cashback would be contrary to applicable law, regulatory requirements, or Zagg.money's applicable policies.

3. Cashback Feature and Transaction Limit

Eligible Customers may be eligible to earn cashback of up to ₹25 (Rupees Twenty-Five only) per eligible Merchant (P2M) transaction, subject to these Terms and the applicable eligibility and validation criteria determined by Zagg.money.
The actual cashback amount, if any, may vary from transaction to transaction and shall be determined by Zagg.money in accordance with the applicable terms of the Feature. The display of a cashback amount or offer in the App shall not, by itself, constitute a guarantee that such cashback will be credited.
The maximum cashback payable in respect of any single eligible transaction shall not exceed ₹25, irrespective of the transaction value or any other cashback, offer or benefit that may otherwise be available to the Customer.
A maximum of 10 transactions per Customer may qualify for cashback during any rolling 24-hour period, subject to the applicable eligibility and validation requirements.
For the purposes of calculating the transaction limit, the rolling 24-hour period shall be determined by reference to the timestamp recorded for each relevant transaction and shall not reset at 12:00 midnight, upon a change of calendar date, or at any other fixed time.
Once 10 cashback-eligible transactions have been recorded during the applicable rolling 24-hour period, any subsequent transactions shall not qualify for cashback until one or more of the previously counted transactions fall outside the applicable 24-hour period.
A successful completion of a transaction does not, by itself, entitle the Customer to cashback. Cashback shall be subject to verification and validation by Zagg.money, including verification of the Customer's eligibility, transaction status, transaction type, merchant, applicable limits and compliance with these Terms.
Zagg.money may withhold, reject, cancel, reverse or recover cashback where a transaction is subsequently cancelled, reversed, refunded, disputed or charged back, or where Zagg.money reasonably determines that the transaction or cashback claim is invalid, duplicated, fraudulent, abusive, manipulated, erroneous or otherwise does not satisfy the applicable terms of the Feature.
Where cashback has been credited due to any technical, system, operational, processing or other error, Zagg.money reserves the right, subject to applicable law, to correct, reverse or recover such cashback, including by adjustment against any amount otherwise payable or credited to the Customer's account.
The applicable cashback amount, transaction eligibility and cashback status may be displayed in the App. Any such display shall be subject to subsequent verification and correction in accordance with these Terms.
Cashback shall not be transferable, exchangeable for cash, or otherwise redeemable except as expressly provided by Zagg.money. Cashback shall also not be treated as a guaranteed benefit or entitlement where the applicable eligibility, transaction or validation criteria have not been satisfied.
Zagg.money reserves the right, subject to applicable law, to modify, suspend, withdraw or discontinue the Feature, including the cashback amount, qualifying transaction criteria or transaction limits, at any time. Any such modification shall apply prospectively unless otherwise required by applicable law or necessary to address fraud, misuse, technical errors or regulatory requirements.

4. Eligible Transactions

Only successful Merchant (P2M) transactions initiated and completed through the App shall be eligible to earn cashback, subject to the Customer satisfying all applicable eligibility criteria, Feature conditions, transaction limits and validation requirements set out in these Terms.

For a transaction to qualify as an "Eligible Transaction", it must:

represent a genuine and bona fide purchase of goods or services from an eligible merchant and must not be undertaken primarily for the purpose of obtaining cashback or any other benefit under the Feature;
be successfully authorised, processed and settled through the applicable payment network, payment system or other applicable payment infrastructure;
be recorded in Zagg.money's systems as a successful and eligible Merchant (P2M) transaction. The records maintained by Zagg.money in relation to the transaction, including transaction status, timestamp, merchant classification, transaction type and applicable limits, shall be conclusive for determining eligibility, subject to applicable law;
comply with all applicable Feature conditions, eligibility criteria, transaction limits, payment-network requirements and applicable policies of Zagg.money;
be attributable to the eligible Customer and not involve any unauthorised use, misuse, manipulation or circumvention of the App or the Feature; and
remain valid and not be subsequently cancelled, reversed, refunded, disputed, charged back or otherwise invalidated.

For the avoidance of doubt, a transaction shall not qualify for cashback merely because it is successfully completed. Eligibility shall be subject to validation by Zagg.money and compliance with all applicable conditions of the Feature.

Transactions Not Eligible for Cashback

The following transactions shall not qualify for cashback, irrespective of whether the transaction was successfully processed or initially reflected as eligible in the App:

Peer-to-Peer (P2P) transfers;
self-transfers, including transfers between accounts, instruments or payment methods controlled or beneficially owned by the same Customer;
bank-to-bank transfers or other person-to-bank or account-to-account transfers that do not constitute a genuine Merchant (P2M) purchase;
cash withdrawals, cash-equivalent transactions or transactions that do not represent a genuine purchase of goods or services;
failed, declined, rejected, timed-out, incomplete or otherwise unsuccessful transactions;
cancelled, reversed, voided or otherwise invalidated transactions;
transactions that are wholly or partially refunded, including where the refund is processed after cashback has been credited;
chargebacks, disputed transactions or transactions subsequently determined to be invalid or unauthorised;
transactions involving ineligible, excluded or restricted merchants, merchant categories, transaction categories or payment methods;
transactions that exceed or otherwise do not comply with any applicable Feature limit or eligibility requirement;
duplicate, test, simulated, artificial or non-genuine transactions;
transactions undertaken, structured or split for the purpose of circumventing any transaction limit or other restriction applicable to the Feature;
transactions identified or reasonably suspected by Zagg.money to involve fraud, money laundering, abuse, misuse, manipulation, collusion, gaming of the Feature or any other suspicious or unlawful activity;
transactions that, in Zagg.money's reasonable determination, are inconsistent with the intended purpose or spirit of the Feature, including transactions undertaken primarily to obtain cashback rather than for a genuine purchase of goods or services; and
any other transaction that does not satisfy these Terms, the applicable Feature conditions, applicable law, regulatory requirements, payment-network rules or Zagg.money's applicable policies.

Zagg.money reserves the right, subject to applicable law, to determine whether a transaction qualifies as an Eligible Transaction and to withhold, reject, cancel, reverse or recover any cashback in respect of a transaction that is subsequently found to be ineligible or otherwise fails the applicable validation requirements.

Where a transaction is partially refunded, reversed or otherwise adjusted, Zagg.money may, to the extent permitted under applicable law, adjust or recover the cashback attributable to such transaction.

5. Cashback Accrual and Redemption

Cashback successfully earned and validated under the Feature shall be accumulated in the Customer's cashback balance and may be reflected in the Cashback section of the App, together with applicable transaction details.
Any cashback reflected as pending, provisional or otherwise subject to validation shall not constitute an unconditional entitlement and may be adjusted, withheld, cancelled or reversed in accordance with these Terms.
A minimum accumulated and validated cashback balance of ₹25 (Rupees Twenty-Five only) shall be required before cashback may be redeemed, unless otherwise specified by Zagg.money.
Once the applicable minimum redemption threshold has been reached, the Customer may request redemption of the available cashback through the redemption facility made available in the App, subject to applicable verification, KYC, account, eligibility, security and other requirements.
Redemption shall be subject to successful processing and validation by Zagg.money. Zagg.money reserves the right to delay, reject or withhold redemption where additional verification is required or where the Customer, account or underlying transactions are subject to review for fraud, abuse, misuse, dispute or compliance with applicable law or regulatory requirements.
Upon successful redemption, the eligible redeemed amount shall be credited to the bank account linked to or selected by the Customer through the applicable redemption process, subject to successful processing by the relevant payment or banking systems.
Cashback may be withheld, suspended, adjusted, cancelled, reversed or recovered, whether before or after redemption, where the underlying transaction is subsequently determined to be ineligible, cancelled, reversed, refunded, disputed, fraudulent, abusive, artificial or otherwise in breach of these Terms.
Where cashback has already been redeemed and is subsequently determined to have been incorrectly credited or obtained in respect of an ineligible or abusive transaction, Zagg.money may, to the extent permitted by applicable law, recover or set off the relevant amount against any cashback or other amount subsequently payable to the Customer.
Cashback shall have no cash value except to the extent expressly redeemable in accordance with these Terms and shall not be transferable, assignable or otherwise capable of being transferred to another Customer or account.
Zagg.money does not guarantee that cashback will be available for redemption at all times and may temporarily suspend redemption due to maintenance, technical issues, security concerns, payment-network restrictions, regulatory requirements or other operational reasons.

6. Cashback Abuse, Fraud and Circumvention

Customers shall not directly or indirectly attempt to manipulate, exploit, abuse, circumvent or otherwise misuse the Feature, its cashback rules, transaction limits, eligibility criteria or redemption process. Without limitation, the following activities may constitute misuse, abuse or circumvention:

creating, initiating or processing artificial, fictitious, simulated or non-genuine transactions;
splitting, sequencing or otherwise dividing a single purchase into multiple transactions for the purpose of obtaining additional cashback or circumventing any applicable transaction limit;
undertaking transactions primarily for the purpose of earning or maximising cashback rather than making a genuine purchase of goods or services;
making payments to the Customer's own merchant account or to a merchant account, QR code, payment identifier or establishment owned, operated or controlled, directly or indirectly, by the Customer or a person acting on the Customer's behalf;
coordinating or colluding with merchants, related parties, connected persons or other Customers to generate, increase or improperly claim cashback;
using multiple Zagg.money accounts, mobile numbers, identities, payment instruments, devices or other means, whether directly or indirectly, to circumvent Feature eligibility, transaction limits or other restrictions;
transferring, selling, assigning, pooling or otherwise attempting to transfer cashback or the benefit of the Feature between Customers or accounts;
exploiting any technical error, system malfunction, vulnerability, loophole or unintended functionality in the App or Feature to obtain cashback or any other benefit;
manipulating, falsifying or interfering with transaction, merchant, payment, account or other information relevant to the calculation or determination of cashback;
using automated, scripted, bot-based or other unauthorised means to access, interact with or exploit the Feature;
engaging in transactions that are subsequently refunded, reversed, cancelled or otherwise structured in a manner intended to retain cashback without a corresponding genuine purchase;
attempting to circumvent any daily, rolling-period, per-transaction, account-level or other Feature limit, whether directly or through one or more accounts or persons; or
undertaking any other activity that Zagg.money reasonably determines to be fraudulent, deceptive, abusive, manipulative, artificial, commercially irrational, intended to circumvent these Terms, or inconsistent with the intended purpose or spirit of the Feature.

Zagg.money may monitor transactions and Customer activity for the purpose of identifying actual or suspected fraud, abuse, manipulation, circumvention or other misuse of the Feature.

Where Zagg.money reasonably suspects or determines that a Customer has engaged in any prohibited activity, Zagg.money may, subject to applicable law and without prejudice to any other rights or remedies available to it:

withhold or suspend pending cashback;
reject or disqualify affected transactions;
cancel, reverse or adjust cashback already credited;
suspend or restrict redemption;
recover cashback already redeemed or credited;
restrict or suspend the Customer's participation in the Feature; and/or
take any other action reasonably necessary to protect the integrity of the Feature or comply with applicable law, regulatory requirements or payment-network rules.

Zagg.money's determination as to whether an activity or transaction constitutes misuse, abuse, fraud or circumvention shall be final and binding, subject to applicable law.

7. Withholding or Reversal of Cashback

Zagg.money reserves the right, subject to applicable law and without prejudice to any other rights or remedies available to it, to withhold, suspend, cancel, reverse, adjust or recover cashback, whether pending, credited or already redeemed, where:

the underlying transaction is found to be ineligible or does not satisfy any applicable eligibility, validation or Feature requirement;
the underlying transaction is subsequently refunded, partially refunded, reversed, cancelled, disputed, charged back or otherwise invalidated;
the transaction, Customer activity or cashback claim is identified or reasonably suspected to be fraudulent, artificial, fictitious, abusive, manipulative, unauthorised or otherwise undertaken in breach of the intended purpose of the Feature;
the Customer has breached or violated these Terms, any applicable Zagg.money policy, or any applicable law, regulatory requirement or payment-network rule;
the Customer has circumvented or attempted to circumvent any Feature eligibility criteria, transaction limit, account restriction or other applicable restriction;
cashback has been credited, calculated or made available for redemption due to any technical, system, processing, reconciliation, operational or other error;
cashback has been incorrectly calculated, credited, duplicated or awarded, irrespective of the reason for such error; or
Zagg.money otherwise determines, based on the information and records reasonably available to it, that the Customer or transaction does not qualify for the cashback awarded or claimed.

Where cashback has already been credited to the Customer, Zagg.money may, subject to applicable law:

reverse or cancel the applicable cashback;
deduct or adjust the corresponding amount from pending or future cashback;
set off the corresponding amount against any other cashback balance or amount otherwise payable to the Customer; and/or
where the cashback has already been redeemed or paid out, recover the corresponding amount from the Customer, to the extent permitted under applicable law.

The Customer acknowledges that cashback is subject to post-transaction verification and validation and that any cashback initially credited may subsequently be determined to be unavailable or recoverable in accordance with these Terms.

8. No Double Benefits

Unless expressly stated otherwise by Zagg.money, cashback under the Feature shall not be cumulative or combinable with any other cashback, reward, discount, promotional benefit or incentive offered by Zagg.money or any third party in respect of the same transaction.
Where multiple promotional benefits, cashback offers or rewards appear to apply to the same transaction, Zagg.money may, subject to the applicable offer terms, determine which benefit shall apply and whether such benefits may be combined.
Unless otherwise expressly communicated by Zagg.money, only one cashback or promotional benefit shall be credited in respect of the same transaction, notwithstanding that the transaction may appear to qualify for multiple offers.
The Customer shall not be entitled to claim or receive duplicate benefits arising from the same transaction due to any technical, system, processing or other error. Any duplicate or incorrectly credited benefit may be cancelled, reversed, adjusted or recovered by Zagg.money in accordance with these Terms and applicable law.

9. Technical and Network Issues

Zagg.money shall not be responsible or liable for any delay, interruption, failure, non-processing, non-crediting or non-redemption of a transaction or cashback arising from circumstances beyond its reasonable control, including:

network, internet or connectivity issues;
bank, payment-system or payment-network failures or delays;
merchant-side technical or operational issues;
failures or delays of third-party service providers;
system outages, downtime, maintenance, upgrades or scheduled or emergency interruptions;
delayed, incomplete or inaccurate transaction confirmation or settlement;
technical, processing or reconciliation errors; or
any other technical, operational, regulatory or external circumstance beyond Zagg.money's reasonable control.

The successful initiation or completion of a payment transaction shall not, by itself, guarantee eligibility for or crediting of cashback.
Only transactions successfully recorded and validated in Zagg.money's systems in accordance with these Terms shall be considered for cashback.
Where a technical, system or network issue results in cashback being incorrectly credited, duplicated or otherwise incorrectly made available, Zagg.money may correct, reverse, cancel or recover the relevant cashback, subject to applicable law.
Nothing in this Clause shall be construed as excluding or limiting any liability or obligation that cannot lawfully be excluded or limited under applicable law.

10. Feature Modification, Suspension or Termination

Zagg.money reserves the right, subject to applicable law and regulatory requirements, to modify, suspend, restrict, withdraw, extend, replace or terminate the Feature, in whole or in part, at any time.

Such changes may include, without limitation, changes to:

the cashback amount or rate;
Customer eligibility criteria;
qualifying merchants, transaction types or categories;
transaction limits or rolling-period limits;
cashback accrual or validation requirements;
redemption eligibility or process;
minimum redemption threshold; and
the duration or availability of the Feature.

Zagg.money may also immediately suspend, restrict or terminate the Feature, in whole or in part, where reasonably necessary due to fraud, abuse, misuse, security concerns, technical issues, changes in applicable law or regulatory requirements, payment-network requirements, or other circumstances affecting the integrity or operation of the Feature.
Any material changes to the Feature may be communicated to eligible Customers through the App, email, SMS or such other communication channel as Zagg.money may consider appropriate.
Unless otherwise required by applicable law, any modification, suspension or termination of the Feature shall not affect transactions that have already been finally validated and for which cashback has become irrevocably payable, except where such cashback is subsequently found to be ineligible, incorrectly credited, fraudulent, abusive or otherwise subject to reversal under these Terms.

11. Final Determination

Subject to applicable law and the applicable grievance redressal mechanism, Zagg.money's transaction and system records shall be used as the primary basis for determining:

Customer eligibility;
Eligible Transactions;
transaction status and timestamp;
cashback amount and status;
the number of cashback-eligible transactions during any applicable rolling 24-hour period;
compliance with Feature limits and conditions; and
the Customer's overall qualification for the Feature.

Zagg.money may consider its transaction records, payment-network records, merchant information, account information and other relevant records reasonably available to it in making such determinations.
Zagg.money reserves the right to make the final determination regarding eligibility, transaction qualification and cashback entitlement based on the applicable Feature rules and information reasonably available to it, subject to applicable law.
The Customer acknowledges that cashback may be subject to post-transaction verification, reconciliation and review, and that any cashback initially displayed or credited may be adjusted, cancelled, reversed or recovered in accordance with these Terms.
Nothing in this Clause shall restrict or prejudice any statutory right, consumer protection right or grievance redressal mechanism available to the Customer under applicable law.

12. Data Protection and Consent

By accepting these Terms and participating in the Feature, the Customer provides consent to zagg.money to collect, use and process the Customer's personal data, including account, transaction, merchant, cashback and relevant device information, for the purposes of determining eligibility, validating transactions, calculating and crediting cashback, processing redemption, and detecting and preventing fraud, misuse or circumvention of the Feature.
Such processing shall be carried out in accordance with these Terms, zagg.money's Privacy Policy and applicable data protection laws, including the Digital Personal Data Protection Act, 2023 and rules made thereunder, as applicable.
The Customer may withdraw such consent in accordance with applicable law; however, withdrawal of consent may result in the Customer being unable to participate in or receive benefits under the Feature where such processing is necessary for its administration.
By accepting these Terms, the Customer confirms that the Customer has read and understood this data processing provision and consents to the processing described above.

13. Support

For any queries, requests or concerns relating to the Feature, Customers may contact Zagg.money customer support through the support channels made available within the App.
Email: support@zagg.money
Customers should provide relevant transaction details and such other information as may reasonably be required by Zagg.money to investigate and resolve the query.
All complaints and grievances shall be handled in accordance with Zagg.money's applicable grievance redressal process and applicable law.