Last Updated: 1 Jun 2025
- The terms and conditions hereunder (“Terms of Use”) shall apply to the use of the
website www.supersavings.in, mobile application ‘Super Savings App’ and any other allied pages,
softwares, features, content or application services (“Platforms”) offered or
operated by Chaseout Technologies Private Limited (“Company”).
- Any person logging on to, or using or browsing any of the Platforms even when such person does not
avail of any services provided by the Company through the
Platforms (“Services”) shall be a “User” (“You”) and shall be
deemed to have read and unequivocally accepted and agreed to be bound by these Terms of Use
(including the Privacy Policy uploaded to the website of the Company). These Terms of Use shall
supplement, and not override the terms / conditions of any other specific written agreement for
Services that the User and the Company may have entered into.
- If You do not agree to these Terms of Use in any manner, please terminate Your use of this website
and the other Platforms. You shall be deemed to have accepted these Terms of Use irrespective of
whether You are a registered member or visitor, and the Company shall have the ability to bind You
to these Terms of Use.
- The ‘Privacy Policy’ is provided separately, but forms an integral part of Your use of the
Platforms and should be read together with these Terms of Use. To the extent any of the provisions
of these Terms of Use (including the Privacy Policy) are declared void or unenforceable under law,
the rest of the provisions hereof shall continue as is, and shall be binding upon the User.
- Subject to these Terms of Use and the various policies of the Company, the Company offers the
services.
This End User Agreement with Refund Policy
(the “Agreement”) is made between you
(the “User” or “You”) and Chaseout Technologies Private Limited
(hereinafter referred to as “Super Savings”), a private limited company having its registered office
at No. 3, 89th Street, Ashok Nagar, Chennai, Tamil Nadu - 600083 IN. (“Super
Savings”, “Us” or “We”, which term shall include its
successors and permitted assigns). The User and Super Savings shall be collectively referred to as
the “Parties” and individually as a “Party”.
1. Refund and Overall terms of use;
Explicit authorisations
- The User may be required to open an account with the Company by providing certain information
(including know-your-customer (“KYC”) details) as part of the registration process
to avail of the Services / in order to continue to avail of the Services.
- The Users will be required to provide the Company with personal information in order to retrieve
or collect data / information from third party websites (in order for the Company to provide the
Services). Such websites may be maintained by financial institutions / third parties with whom the
Users have accounts, bank with or have created certain liabilities with. The Company does not and
shall not assume any responsibility or liability towards the accuracy of information or data
maintained by any third party (in terms of updation, accuracy, deletion, failure to store data
correctly, or otherwise).
- The Company may collect the details of the User’s Permanent Account Number (PAN). By providing
these details to the Company, the User authorises the Company to access and retrieve all data and
information associated with the PAN number of the User, and for the use of such data and
information for the provision of the Services.
- The user understands that a charge of Rs.2 is charged every time he/she links their cards to Super
Savings for the purpose of verification and activation. This charge collected is non-refundable.
- The company does not promote or endorse going against any clauses mentioned in the Master T&C
and agreement signed between the user and their Financial Institution from where the product or
services is availed.
- The company shall not be held responsible (i) for any refund or cancellation incase of a
successful transaction that has been denied or refunded by the user’s beneficiary. (ii) if the user
has due to their own negligence, transferred money to an account they did not intend to.
- By authorizing Super Savings to synchronize with any third-party portal using their credentials,
the user expressly consents to such synchronization. In certain instances, these credentials may be
securely stored to enhance the quality of the service provided. All such actions are conducted in
accordance with industry-standard security protocols to ensure the protection of user information.
- The user acknowledges and agrees that Super Savings may import all relevant data from any
third-party portal for which the user has granted authorization. Such data will be securely stored
on the company's servers and may be retained indefinitely to support the continued provision
of services, subject to stringent security measures.
- The User is solely liable and responsible for any and all data and information provided by the
User (including the authenticity and verifiability thereof). The User confirms that all data and
information provided by the User to the Company or to any third parties through the Platforms shall
at all times be complete, accurate, correct, true and updated / latest. If the User provides any
data or information that is incomplete, inaccurate, incorrect and / or false in any manner and / or
if the Company reasonably assesses the User of being non-compliant with any applicable law in any
manner, the Company reserves the right to reject or suspend the User’s registration and account and
may also refuse to provide the User with access to the Platforms / Services. The User agrees to
unconditionally indemnify, defend and hold harmless the Company from any and all claims arising out
of or in connection with any data or information provided by the User to the Company or to any
third party in connection with the use of the Platforms and / or Services. The User may update any
data or information provided to the Company in the account section of the User on the Platforms.
The User agrees that the Company may retain all User data for the duration of the User’s
utilization of the Platform and thereafter. Upon the User’s request for data deletion, the Company
may continue to retain certain information critical for financial reporting, compliance with legal
obligations, or as otherwise required by applicable regulations. Also to the extent the User
chooses to delete any of its information or data on the account, the User acknowledges that the
Company may require reasonable time to process such deletion. The Company reserves the right to
maintain a backup of the User’s account and information / data, as required under applicable law
and / or for internal operations.
- The User hereby consents to the collection, use, and storage of personal and business-related
information by the Platform and its affiliated company, including but not limited to Know Your
Customer (KYC) details, transaction data, bank account information, geographical location, and any
other data deemed necessary by the Platform for the provision of its services.
- The Company urges Users to keep all User data confidential (including specifically the login and
password details for the account maintained with the Company). The Company explicitly disclaims all
liability arising out of or in connection with the User’s failure to protect its data / information
(including the login and password details of the User’s account(s)). Please contact the Grievance
Officer in case you suspect a breach or would like to block your account.
- The User hereby provides to the Company an irrevocable, royalty-free, non-exclusive, worldwide,
perpetual, and sub-licensable right to exercise the copyright, publicity and database rights in the
data and information provided by the User to the Company, in order for the Company to be able to
use such data for the provision of the Services. To expound, in order for us to provide the
Services, the Users shall need to provide us with information, data, passwords, usernames, personal
identification numbers, etc. and the Users hereby grants the Company to license and right to
utilize all such data and information for and on the Users’ behalf, for the purposes of provision
of the Services.
- The User is solely responsible and liable for its data and information, and undertakes not to
publish, disseminate, deal in, transmit, update, download, share, etc. any information or data
that: (i) belongs to any person other than the User or infringes any intellectual property or other
rights of any other person, (ii) is harmful, deceptive, menacing, derogatory, defamatory,
harassing, obscene, seditious, libellous, hateful, objectionable, disparaging, unlawful, or is
capable of inciting any behaviour of the nature stated above (including encouraging money
laundering, gambling or any morally objectionable acts), (iii) may cause harm in any manner to any
person (including specifically minors), (iv) impersonates any other person, (v) contains malware,
viruses or contains the potential to disrupt or adversely affect or impact the functioning of any
computer resource or platform or business, (vi) is or may be construed to be a threat to the
security, sovereignty, unity, integrity, defense, etc. of the Republic of India or any other
nation-state or threatens in any manner any relationship that any nation-states may have with each
other. To the extent that the Company finds or believes the data / information / content shared by
the User to be objectionable, the Company shall have the right at its sole discretion to remove /
edit such information. Users may report any objectionable behaviour / acts on the Platforms to the
Grievance Officer.
- The User agrees that: (i) any data belonging to the Company may be accessed by the User only for
personal purposes and not for any other use (including commercial or business use), unless
consented to by the Company, (ii) it shall not access or attempt or threaten to access any of the
Services except through the interface and platform provided by the Company, (iii) it shall not
engage in any disruptive activity that could affect or impact the Services or Platforms in any
manner, (iv) duplicate, replicate, deal with, sell or license onwards in any manner any Services
being provided by the Company.
- The Company reserves the right to share any information / data provided by or generated by the
User with all governmental, judicial, quasi-judicial, administrative, legislative and regulatory
agencies, if the need so arises.
- The Company reserves the right to share any information / data provided by or generated by the
User with trusted partners in order to provide a service.
- The use of the Platforms and Services are at the Users’ sole risk and the Services are provided by
the Company on an ‘as is’ and ‘as available’ basis and without any warranty attached thereto. The
Company does not provide any warranties as to the information / content on the Platforms, etc.
being accurate, complete or updated, the use of the Services being uninterrupted, timely, secure or
free from error, etc. The User acknowledges that the Company shall not be liable for any damage to
its computer or IT systems or infrastructure or any loss of data that results from the download of
any material from the Platforms / as part of the Services. The Company disclaims all warranties of
any kind, whether express or implied, including, the implied warranties and conditions of
merchantability, fitness for a particular purpose and non-infringement.
- The User acknowledges that the Company may suspend the use of any account if it comes to the
Company’s notice that a fraudulent transaction has occurred on the Platforms.
- Certain Services or parts thereof may be supported by ad revenue and may display ads or
promotions, and the User consents to the placement of such ads and promotions.
- In case any discounts or offers are being offered, please refer to the detailed terms and
conditions on the dedicated page shared along with the offer communication.
- By accepting these terms, the User authorises the Company to hold, receive, disburse and settle
funds on the User’s behalf. The User’s authorisation allows the Company to generate and facilitate
electronic funds transfers between the source and beneficiary accounts. These authorisations shall
remain valid until such time as the User’s account with the Company is terminated or closed.
- The User may at any time (by notice in writing to[email protected]) require the Company to terminate or close the User’s account and services
offered with the Company and delete all data pertaining to the User, in which case, the Company
shall do the needful within 20 days of receiving such notice.
- Where the Company provides a link to the websites / platforms of any third party financial
institutions, the Company merely facilitates easy access for the User to make payments, i.e., any
and all transactions between the User and its designated financial institutions shall strictly be
between the relevant parties (and the Company shall not be privy to this / responsible for this in
any manner).
- The User agrees that: The Platform is exclusively designed for facilitating transactions related
to business expenses, rent, Goods and Services Tax (GST), and utility payments. Use of the Platform
for transferring funds for any purposes other than those explicitly permitted herein is strictly
prohibited. The Platform reserves the right to terminate services, withhold transactions, and take
necessary actions to resolve issues arising from unauthorized use.
Eligibility Criteria
Users shall need to be above 21 years of age and
competent to contract under applicable laws, in order to access the Platforms and avail of the
Services. The User, by agreeing to be bound by these Terms of Use, hereby also represents and
acknowledges that it is competent to contract (and where the User is registering itself as a business
or corporate entity, that due corporate authorisation has been provided to enter into these Terms of
Use). The User shall be responsible for all of the User’s conduct on and the usage of the Services and
the Platforms. If any of the above were to be untrue, the Company may revoke a User’s usage of the
Platforms / Services.
Credit Card Usage, Cash Back and
Rewards
By utilizing Super Savings’s services, users
acknowledge that the use of their credit cards for any payments or business-related payments is at
their sole discretion. It is noted that certain financial institutions may restrict or disallow the
use of personal credit cards for such transactions, and any such limitations imposed by the user’s
bank are beyond the purview and responsibility of Super Savings. Users are expressly responsible for
abiding by their respective bank’s Most Important Terms and Conditions (MITC) concerning their credit
cards. We strongly advise users to review their bank’s Most Important Terms and Conditions (MITC) and
restrictions outlined in the same to Cardholders before utilizing their cards for payments through
Super Savings. It is crucial to note that Super Savings processes transactions using four distinct
merchant category codes: Vendor, Rent, Utility, and Tax, contingent upon the specific nature of the
transaction initiated by the merchant. While numerous banks do not offer reward points or cash back
for business-related payments made via retail or select corporate credit cards, users are urged to
consult their credit card’s reward policy for validation of this information. Super Savings cannot be
held liable for any discrepancies or lack of benefits as stipulated by credit card reward policies.
2. General Refund Principles
- Role of Super Savings:
- Acts as a payment facilitator and does not
control product/service quality, delivery, or disputes between Users and Payees.
- Refunds are subject to Payee’s policies and
applicable laws.
- Non-Refundable Components:
- Convenience Fees, taxes (e.g., GST), and
verification charges (e.g., card-linking fees) are non-refundable once a
transaction is processed.
- Successful transactions (where funds reach the
Payee) cannot be reversed unless the Payee agrees to refund.
3. Eligibility for Refund
Refunds may be processed only
under these scenarios:
A. Failed Transactions
- If funds are debited but not credited to the Payee
due to:
- Technical errors (bank/Payee system failures).
- Processing delays beyond 24 hours.
- User must notify within 3 hours via email/customer
support.
B. Unauthorized/Fraudulent
Transactions
- Reported via:
- Submission of a signed affidavit and
bank/police complaint (if applicable).
- Super Savings will freeze disputed funds pending
investigation.
C. Duplicate Payments
- Proof of duplicate debits (bank statements) required.
D. Cancellation by Payee
- Refund depends on Payee’s approval. Super Savings will mediate but
cannot guarantee refunds.
4. Non-Refundable Cases
- User Errors:
- Incorrect Payee details (account number, IFSC, etc.).
- Wrong transaction amount entered.
- Payee Disputes:
- Non-delivery, defective goods/services (resolve directly with
Payee).
- Expired Disputes:
- Claims raised after 3 hours of transaction.
5. Refund Process
- Raise a Request:
- Verification:
- Super Savings will:
- Coordinate with banks/Payees.
- Investigate within 5–7 business days.
- Approval & Processing:
- Approved refunds are credited to the original payment
method within 7–10 business days.
- Chargebacks follow bank/payment processor
timelines (up to 45 days).
6. Chargebacks & Fraud
Prevention
- User Responsibilities:
- Notify Super Savings before initiating a
chargeback.
- Provide evidence (e.g., communication with Payee).
- Super Savings’ Role:
- May contest unjustified chargebacks with
banks.
- Reserves the right to suspend accounts for
fraudulent claims.
7. Fees & Taxes
- Convenience Fees:
- Disclosed pre-transaction. Non-refundable
post-processing.
- Taxes (GST):
- Levied as per Indian law. Users must verify GST
applicability with Payees.
8. Data & Security
- User Authorization:
- By using Super Savings, Users consent to:
- KYC verification (PAN, bank details).
- Secure storage of transaction data for compliance.
- Liability:
- Super Savings is not responsible for:
- Payee’s refusal to refund.
- User negligence (e.g., sharing OTPs).
9. Limitations & Disclaimers
- Force Majeure:
- No liability for delays due to:
- Bank/payment gateway outages.
- Maximum Liability:
- Super Savings’ liability is capped at ₹1,000 per
dispute.
10. Governing Law &
Jurisdiction
- Disputes subject to Mumbai courts’ exclusive
jurisdiction.
- Policy amendments are effective immediately upon
posting.
11. Contact Information
For refund requests or grievances:
- Address: No. 3, 89th Street, Ashok Nagar, Chennai,
Tamil Nadu - 600083 IN.
- Grievance Officer: Senthil Thangavel
