These Terms and Conditions are for ROKA Wallet and Prepaid Cards – powered by YES Bank, issued to ROKA users. ROKA is a brand of TechMojo Solutions Private Limited launched in association with YES Bank. In these Terms and Conditions ‘you’ denotes the ROKA Wallet and Prepaid Card Holders and ‘ROKA’ denotes ROKA. Please make sure you have read the ROKA Wallet and Prepaid Card Terms and Conditions carefully before using the ROKA Wallet and Prepaid Card. By using the ROKA Wallet and Prepaid Card, you are unconditionally and irrevocably accepting the terms and conditions listed hereunder and will be bound by them at all times and you accept the onus of ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, and the rules and regulations framed by the Reserve Bank of India, as amended /modified from time to time and any other corresponding enactment. law in force from time to time.

The ROKA Wallet and Prepaid Card–holder acknowledges and understands that the ROKA Wallet and Prepaid Card is being issued on the basis of his/her application.

The issue and use of the ROKA Prepaid Card shall be subjected to the rules and regulations as issued by ROKA, YES Bank and the Reserve Bank of India and other regulators from time to time.

The ROKA Wallet and Prepaid Card shall be valid only for transaction options as permitted by ROKA from time to time in India, at Point of Sale (POS), E-Commerce and MasterCard ATMs

The ROKA Prepaid Card will be at all times the property of YES Bank and shall be returned to YES Bank unconditionally and immediately upon YES Bank’s request. The ROKA Prepaid Card-holder is requested to ensure that the identity of YES Bank’s Officer is established before handing over the ROKA Prepaid Card.

You must sign on the reverse side of the ROKA Wallet and Prepaid Card immediately upon receipt. You must not permit any other person to use it and should safeguard the ROKA Wallet and Prepaid Card from misuse by retaining the ROKA Wallet and Prepaid Card under your personal control at all times.

The Personal Identification Number (PIN) issued to the ROKA Wallet and Prepaid Card-holder for use with the ROKA Prepaid Card at POS, E-Commerce and MASTER CARD ATMs or any number chosen by the ROKA Wallet and Prepaid Card-holder as a PIN, will be known only to the ROKA Wallet and Prepaid Card-holder and is for personal use of the ROKA Wallet and Prepaid Card-holder and is non-transferable, non-assignable and strictly confidential. A written record of the PIN should not be kept in any form, place or manner that may facilitate its misuse by a third party. The PIN should not be disclosed to any staff of ROKA or YES Bank or to merchant establishments or to any third party, under any circumstances or by any means whether voluntary or otherwise.

The ROKA Wallet and Prepaid Card-holder’s ROKA Wallet and Prepaid Card will be debited immediately with the amount of any transaction effected by the use of ROKA Wallet and Prepaid Card. Sometimes, the transactions amount and/or tips, surcharge or exceptional transaction amount would be debited to your account subsequently/at a later date. The ROKA Wallet and Prepaid Card-holder will ensure that he/she has/had sufficient balance on the ROKA Wallet and Prepaid Card to meet any such transactions.

The ROKA Wallet and Prepaid Card-holder will be responsible for transactions effected by using the ROKA Wallet and Prepaid Card whether authorized by the ROKA Wallet and Prepaid Card-holder or not, and shall indemnify ROKA against any loss or damage caused by any unauthorized use of the ROKA Wallet and Prepaid Card or related PIN, including any penal action arising there from on account of any violation of RBI guidelines or any other law being in force in India and State Continent/Territory law being in force in India notwithstanding the termination on this agreement.

You hereby undertake to destroy the ROKA Wallet and Prepaid Card on its expiry or closure by cutting it into several pieces through the magnetic strip. You may contact ROKA through www.RokaHub.com for ROKA Wallet and Prepaid Card renewal, reissue, [email protected] or through our website, temporary suspension or closure before expiry. You can also sign in and use ROKA website/app to change PIN, renew, reissue or to block/unblock the ROKA Wallet and Prepaid Card. ROKA reserves the sole right and discretion of renewing your ROKA Wallet and Prepaid Card on expiry.

Transaction fees for bank withdrawals and, or other transactions wherever applicable, will be debited to the ROKA Wallet and Prepaid Card at the time of posting debit entry of the transaction amount or at the end of day.

The charges/fees applicable on the usage of the ROKA Wallet and Prepaid Card maybe revised or change by ROKA from time to time without prior intimation to the ROKA Wallet and Prepaid Card-holder(s).

Any charges/fees appearing in these terms and conditions does not include service tax and, or any other cess or taxes, the same may be collected in addition to such fees or charges as applicable from time to time.

In the event that the ROKA Prepaid Card is lost or stolen, the occurrence must be reported to ROKA immediately by fastest means of communication available followed with a written communication. You can also block the ROKA Prepaid Card by signing in to ROKA website. A copy of the acknowledged police complaint must accompany the said written communication.

You hereby undertake to indemnify ROKA fully against any liability (civil and criminal), loss, cost, expenses or damage that may arise due to loss or misuse of the ROKA Prepaid Card in the event that it is lost or not reported to ROKA, or lost and misused before ROKA is informed. Provided you have in all respects complied with the terms and conditions, a replacement ROKA Prepaid Card may be issued at the sole discretion of ROKA at the applicable fee.

If it is determined that you were grossly negligent or fraudulent in handling of the ROKA Wallet and Prepaid Card, ROKA would not entertain any request for refund/reimbursement of fraudulent usage of lost/stolen ROKA Prepaid Card. If any amount is credited to your ROKA Wallet and Prepaid Card based on your representation and, or any information provided by you, ROKA would recover the amount from you without any prior notice. You hereby undertake to indemnify ROKA against liability, loss, cost, expenses, damage that may arise due to your negligent or fraudulent handling of ROKA Wallet and Prepaid Card.

Should you subsequently recover the ROKA Prepaid Card, you can unblock the ROKA Prepaid Card through ROKA website or destroy the ROKA Prepaid Card by cutting it into several pieces through the magnetic strip and ask for a new one.

In case of a purchase transactions, a sales slip with the signature of the ROKA Wallet and Prepaid Card-holder together with ROKA Prepaid Card number noted thereon (by masking some of the digits for confidentiality reasons) shall be conclusive evidence between ROKA and the ROKA Wallet and Prepaid Card-holder as to the extent of the liability incurred by the ROKA Wallet and Prepaid Card-holder and ROKA shall not be required to ensure that the ROKA Wallet and Prepaid Card-holder has received the goods purchased/availed of the service to the ROKA Wallet and Prepaid Card-holder’s satisfaction.

ROKA shall make bona fide and reasonable efforts to resolve an aggrieved ROKA Wallet and Prepaid Card-holder’s disagreement with an applicable charge indicated in the account statement or as otherwise determined by the ROKA Wallet and Prepaid Card-holder within 2 (two) months of the receipt of notice of disagreement. If after such effort ROKA determines that the charge is correct, then it shall communicate the same to the ROKA Wallet and Prepaid Card-holder.

ROKA accepts no responsibility and liability for the refusal of any establishment/merchant to honor the ROKA Wallet and Prepaid Card.

This arrangement will be construed in accordance with and governed by the laws of India. All disputes are subject to the exclusive jurisdiction of the High Court of Andhra Pradesh in India irrespective of whether any other Court may have concurrent jurisdiction in the matter. The mere fact that any service can be accessed through internet, mobile or phone by the ROKA Wallet and Prepaid Card-holder in a country other than India shall not be interpreted to imply that the laws of the said country govern these terms and conditions and, or the operations in the said accounts of the ROKA Wallet and Prepaid Card-holder and, or the use of any of these services.

The ROKA Wallet and Prepaid Card-holder will be liable and responsible for all the costs associated with the collection of dues, legal expenses, (should it become necessary to refer the matter to any agent/advocate), or where legal resources have been utilized in the resolution of a dispute.

You are solely responsible for maintaining the confidentiality of your SecureCode, Registration Data and other verification information established by you with MasterCard SecureCode, and all activities that occur using your SecureCode, Registration Data or other verification information supplied to or established by you with MasterCard SecureCode. You agree not to transfer or sell your use of, or access to, MasterCard SecureCode to any third party. You agree to immediately contact us, as we require in our cardholder agreement with you, for a lost or stolen card or any unauthorized use of your SecureCode or other verification information, or any other breach of security. You acknowledge and agree that, except as otherwise provided by Applicable Law or in our cardholder agreement with you, ROKA or YES Bank shall not be liable for any loss or damage arising from your failure to comply with these terms.

You acknowledge and agree that, except as otherwise provided by any applicable laws ROKA shall not be liable and responsible for any loss or damage arising from your failure to comply with these Terms and Conditions.

You agree that ROKA shall not be liable and, or responsible to you or to any third party for any modification, suspension or discontinuance of MasterCard SecureCode.

Under no circumstances will ROKA be liable and, or responsible for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of MasterCard Secure Code.

Any amounts credited to pockets other than general pocket cannot be withdrawn and can only be spent on the goods/services and at outlets permitted by ROKA. Also ROKA reserves the right to mark some or all of funds as expired and/or may credit some or all of funds back to corporates or merchants that credited funds to the user in first place, by deducting same from customer’s wallet

ROKA will assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from the said website.

You agree that online alerts are sent by ROKA to the mobile number registered with ROKA and you shall take steps to register your mobile with ROKA to get transaction alert for the ROKA Wallet and Prepaid Card.

You expressly understand and agree that any software obtained through the use of MasterCard SecureCode is downloaded and used at your own discretion and risk and responsibility and that except as otherwise provided in these terms and conditions. You will be solely liable and responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through MasterCard SecureCode.

Except as otherwise required by any applicable state law, ROKA makes no representation on the warrantees on MasterCard of any kind, express or implied, including any warrantees as merchant ability or fitness for a particular purpose. MasterCard SecureCode is provided and made available to you on an “as is” basis.

Particulars	Amount *
Card Issuance fee	150.00
Card Replacement fee	100.00
PIN regeneration fee	10.00
Cash withdrawal at ATM	25.00
Balance enquiry at ATM	8.00
Card load payment gateway charges	2.5%

* Service Tax as applicable will be levied on all the fees and charges

ROKA, at its discretion may reduce or waive any of the above fees. Such offers shall be communicated at the time of sourcing.

The aforementioned Terms and Conditions are subjected to change from time to time at the sole discretion of ROKA. For updated Terms and Conditions, you may visit ROKA’s website www.RokaHub.com