Disclaimer

General Disclaimer

The information provided on the Classy Construction Financial Services website and platform is for general informational purposes only. While we endeavor to keep information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this platform.

Financial Services Disclaimer

Classy Construction operates as a Business Correspondent / fintech service aggregator facilitating access to regulated financial services through authorized banking and payment partners. We are not a bank, Non-Banking Financial Company (NBFC), or licensed financial institution under the Banking Regulation Act, 1949.

Our services are facilitated in partnership with RBI-licensed banks and NPCI-approved payment infrastructure. Service delivery is subject to the terms, conditions, and operational guidelines of our banking and technology partners.

• Payout and DMT services are subject to NPCI/RBI transaction limits and guidelines
• AEPS and MATM services operate under UIDAI's Aadhaar authentication framework
• BBPS services are governed by NPCI's Bharat Bill Payment Operating Unit (BBPOU) framework
• PAN services are subject to NSDL/UTITSL policies and Income Tax Department guidelines

Accuracy of Information

We strive to maintain accurate and current information on our platform. However:

• Transaction limits, commission rates, and service fees are subject to change without prior notice due to regulatory requirements
• Real-time data such as transaction status, balance information, and processing times may vary based on network conditions
• Performance metrics (uptime percentages, processing speeds) are indicative targets and not guaranteed service levels
• Information about third-party services (banks, NPCI, UIDAI) reflects our current understanding and may not capture real-time policy changes by those entities

In case of any discrepancy between information on our website and actual service terms, the current operational terms communicated through our official support channel shall prevail.

Third-Party Links & References

Our platform may contain links to external websites, regulatory portals (RBI, NPCI, UIDAI, NSDL), and third-party service providers. These links are provided for your convenience and information only.

Classy Construction has no control over the content, privacy policies, or practices of linked third-party websites. We do not endorse, guarantee, or accept responsibility for the content, security, or accuracy of information on any external website. Accessing third-party links is at your own risk.

Not Financial or Legal Advice

The content on our platform, including service descriptions, commission structures, and FAQs, is provided for general informational purposes and does not constitute:

• Financial, investment, or banking advice
• Legal advice or opinion on regulatory matters
• Tax guidance or compliance advisory
• Professional consulting of any nature

For specific financial, legal, or tax advice pertaining to your business operations, you should consult a qualified professional. The decision to use our services rests solely with you, and we are not responsible for any financial decisions made based on information available on our platform.

Service Availability Disclaimer

While we target 99.9% platform uptime, temporary service interruptions may occur due to:

• Scheduled maintenance and system upgrades
• Third-party infrastructure outages (banking networks, NPCI, telecom)
• Force majeure events (natural disasters, government orders, power outages)
• Regulatory-mandated shutdowns or audits
• Cyber attacks or security incidents beyond our reasonable control

Classy Construction shall not be liable for any losses, missed opportunities, or damages arising from temporary service unavailability, regardless of the cause.

Regulatory Compliance Notice

Classy Construction operates in compliance with applicable Indian financial regulations. Our services are designed in accordance with:

• Reserve Bank of India (RBI) guidelines for Payment Service Providers and Business Correspondents
• Prevention of Money Laundering Act (PMLA), 2002 and associated KYC/AML norms
• Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016
• Information Technology Act, 2000 and IT (Amendment) Act, 2008
• NPCI operational guidelines for AEPS, IMPS, BBPS, and UPI services
• UIDAI guidelines for Aadhaar-based authentication services

Regulatory frameworks evolve continuously. While we endeavor to stay compliant, users are responsible for ensuring their own use of our services complies with all applicable laws in their jurisdiction.

Limitation of Liability

To the fullest extent permitted by law, Classy Construction, its directors, officers, employees, agents, partners, and licensors expressly disclaim all warranties — whether express, implied, statutory, or otherwise — including warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall Classy Construction be liable for:

• Any indirect, incidental, special, exemplary, or consequential damages
• Loss of profits, revenue, goodwill, use, data, or other intangible losses
• Damages resulting from unauthorized access to or use of our servers
• Damages resulting from any interruption or cessation of transmission to/from our services
• Errors, mistakes, or inaccuracies in content
• Personal injury or property damage resulting from access to our services

These limitations apply regardless of the legal theory upon which any claim is based, and even if we have been advised of the possibility of such damages.

Fraud & Impersonation Warning

We will NEVER:

• Ask for your OTP, PIN, or password via call, SMS, or WhatsApp
• Request remote access to your device or account
• Promise guaranteed investment returns or fixed income schemes
• Ask you to transfer money to "verify" your account
• Contact you unsolicited asking for KYC resubmission via unofficial channels

If you encounter any suspicious communication claiming to be from Classy Construction, please report it immediately to our official support channels. We are not responsible for losses arising from interactions with fraudulent entities impersonating our brand.

Contact Information

For queries regarding this Disclaimer or to report fraudulent activity:

This Disclaimer shall be governed by and construed in accordance with the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of courts in Kanpur, Uttar Pradesh.