Please read these terms carefully before using BlinkPé's services.
BlinkPé is a product owned and operated by Anshika Fintech Private Limited. By accessing or using BlinkPé, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our platform.
By downloading, installing, accessing, or using the BlinkPé mobile application or website ("Platform"), you ("User" or "You") agree to comply with and be legally bound by these Terms and Conditions ("Terms"), our Privacy Policy, and any other policies or guidelines published on the Platform.
These Terms constitute a legally binding agreement between you and Anshika Fintech Private Limited ("Company," "We," "Us," or "Our"), a company incorporated under the Companies Act, 2013, and the operator of BlinkPé.
If you are using BlinkPé on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
BlinkPé is a B2C digital financial services platform that enables users to perform a wide range of services including but not limited to:
BlinkPé operates as a facilitator and aggregator platform. Actual services such as recharge, ticket issuance, and policy issuance are fulfilled by respective third-party service providers, operators, and regulated entities.
To use BlinkPé, you must:
⚠️ Use of the Platform by individuals under 18 years of age is strictly prohibited. If we discover that a minor has registered, we reserve the right to immediately suspend or terminate the account.
4.1 Registration: You must register with a valid Indian mobile number and complete KYC (Know Your Customer) verification as required by applicable RBI/IRDAI guidelines to access full features of BlinkPé.
4.2 Account Security: You are solely responsible for maintaining the confidentiality of your login credentials, OTP, MPIN, and account information. You agree to notify us immediately at info@blinkpe.net if you suspect any unauthorised access.
4.3 Single Account: Each user is permitted to hold only one BlinkPé account. Creating multiple accounts may result in immediate suspension of all associated accounts.
4.4 Accurate Information: You agree to provide true, accurate, current, and complete information during registration and to update this information to keep it accurate.
4.5 Account Suspension: We reserve the right to suspend or terminate your account without notice if we detect fraudulent, abusive, or suspicious activity.
5.1 Recharge Services: BlinkPé facilitates mobile, DTH, and broadband recharges through API integrations with telecom operators. Recharge amounts are non-refundable once processed successfully. In case of failure, the amount will be credited back to your BlinkPé Wallet within 24–72 hours.
5.2 Bill Payments (BBPS): BlinkPé is authorised to operate as a BBPS Customer Operating Unit (COU). Bill payments are processed through the NPCI-regulated BBPS infrastructure. Payment receipts issued are valid proofs of payment.
5.3 Travel Services: Flight, hotel, and train bookings are facilitated through third-party travel aggregators and IRCTC. Booking confirmations, cancellations, and refunds are subject to the respective airline, hotel, or railway policies. BlinkPé is not directly responsible for service delivery by travel operators.
5.4 Insurance: BlinkPé facilitates insurance purchase as a web aggregator regulated by IRDAI. All insurance plans displayed are offered by IRDAI-registered insurance companies. Policy terms, conditions, and claim settlements are governed by the respective insurer.
📌 BlinkPé acts as an intermediary/facilitator for most services. The primary obligation of service delivery rests with the respective third-party provider (telecom operator, airline, hotel, insurer, etc.).
6.1 Payment Methods: BlinkPé accepts payments via UPI, Debit Card, Credit Card, Net Banking, and BlinkPé Wallet. All payment processing is handled by RBI-compliant payment gateway partners.
6.2 BlinkPé Wallet: The BlinkPé Wallet is a semi-closed prepaid payment instrument. Funds loaded into the wallet can be used only for transactions on the BlinkPé platform. Wallet funds cannot be transferred to bank accounts unless specifically enabled under KYC-compliant full-KYC wallet upgrade.
6.3 Refunds: Refunds for failed transactions will be processed within 5–7 business days to the original payment source or to the BlinkPé Wallet. Service fees, convenience fees (if any), and cashback adjustments may apply.
6.4 Transaction Limits: Transaction limits apply as per RBI guidelines for prepaid payment instruments. Full KYC users enjoy higher limits.
6.5 Failed Transactions: BlinkPé shall not be held liable for failed transactions due to bank/payment gateway outages, incorrect beneficiary details entered by the user, or network failures beyond our control.
7.1 Cashback and reward offers are subject to specific terms applicable to each offer, as communicated within the Platform.
7.2 Cashback is typically credited to the BlinkPé Wallet within 24 hours of a successful transaction, unless stated otherwise.
7.3 BlinkPé reserves the right to modify, suspend, or discontinue any cashback or reward program at any time without prior notice.
7.4 Misuse of cashback programs, including creation of fraudulent transactions, multiple accounts, or referral fraud, will result in forfeiture of all earned cashback and account termination.
7.5 Cashback and rewards have no cash value and cannot be transferred to bank accounts or other users unless explicitly stated.
You agree NOT to use BlinkPé for any of the following:
⚠️ Violation of these prohibitions may result in immediate account suspension, legal action, and reporting to appropriate regulatory authorities including law enforcement agencies.
All content, trademarks, logos, service marks, trade names, graphics, software, and other materials on the BlinkPé Platform are the exclusive property of Anshika Fintech Private Limited or its licensors.
You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Platform solely for personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, or create derivative works without prior written consent from the Company.
The name "BlinkPé," the BlinkPé logo, and all related product names are trademarks of Anshika Fintech Private Limited.
To the maximum extent permitted by applicable law:
Your use of BlinkPé is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, processing, and use of your information as described in the Privacy Policy.
12.1 By You: You may close your BlinkPé account at any time by contacting us at info@blinkpe.net. Any outstanding wallet balance will be refunded subject to KYC verification and applicable charges.
12.2 By Us: We may suspend or terminate your account, with or without notice, if you breach these Terms, engage in fraudulent activity, or if we are required to do so by law or regulatory directive.
12.3 Effect of Termination: Upon termination, your right to use the Platform ceases immediately. Provisions related to intellectual property, limitation of liability, governing law, and dispute resolution shall survive termination.
In accordance with the Information Technology Act, 2000 and the Consumer Protection (E-Commerce) Rules, 2020, we have appointed a Grievance Officer:
| Detail | Information |
|---|---|
| Grievance Officer | Compliance Team, Anshika Fintech Private Limited |
| Company | Anshika Fintech Private Limited |
| Product | BlinkPé |
| Address | Shop No. 31, 2nd Floor, Astha City Centre, Near Tinkoniya Hotel, Sakchi, East Singhbhum, Jharkhand – 831001 |
| info@blinkpe.net | |
| Phone | +91 90310 26033 |
| Response Time | Within 48 business hours |
You may also escalate unresolved complaints to the relevant regulatory authority (RBI, IRDAI, NPCI) as applicable to the nature of your complaint.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in East Singhbhum, Jharkhand, India.
Before initiating legal proceedings, you agree to attempt resolution of any dispute through our grievance mechanism. For disputes involving amounts below ₹1,00,000, we encourage resolution through the Online Dispute Resolution (ODR) platform.
We reserve the right to modify these Terms at any time. Material changes will be communicated via in-app notification, email, or a prominent notice on the Platform at least 7 days before taking effect.
Your continued use of BlinkPé after any changes constitutes your acceptance of the new Terms. We recommend reviewing these Terms periodically.
For any questions, concerns, or feedback regarding these Terms, please reach out to us:
© 2026 Anshika Fintech Private Limited. BlinkPé is a registered product. All rights reserved.