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Kiaraapay is a Fintech service provider and acts only as a technology intermediary between the user and the respective service providers. All transactions are processed through APIs or authorized banking/payment partners. Kiaraapay does not hold or store any user funds directly.

All financial transactions and services are subject to the terms, conditions, and policies of the respective banks, NPCI, BBPS, or licensed payment partners. Users are advised to verify all details before proceeding with any transaction. Kiaraapay shall not be responsible for any delay, failure, or loss arising due to network issues, technical errors, or third-party service interruptions.

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