Xstream Pay – Terms, Privacy, Refund, Shipping & Contact Policy

Welcome to Xstream Pay. Xstream Pay is a digital wallet and service-based platform that allows users to access digital services and wallet-based features. By using our website or application, you agree to all policies mentioned below.

📜 Terms & Conditions

1. Eligibility

Users must be at least 18 years of age.
All information provided during registration must be accurate.

2. Account Responsibility

Users are responsible for maintaining the confidentiality of their account.
Any activity performed through the account is the responsibility of the user.

3. Wallet Usage

Xstream Pay wallet is for in-app digital usage only.
Wallet balance does not represent a bank account.
No interest is provided on wallet balance.

4. Restricted Activities

Fraud, money laundering, or illegal transactions
System abuse, hacking, or manipulation
Violation of applicable laws

5. Account Suspension

Xstream Pay reserves the right to suspend or terminate accounts found violating policies without prior notice.

🔐 Privacy Policy

1. Data Collected

Phone number and account identifiers
Transaction and payment data
Device and usage information (for security)

2. Use of Data

To provide and improve services
To process secure payments
To prevent fraud

3. Third-Party Processing

Payments are processed via trusted third-party gateways such as Razorpay. Xstream Pay does not store sensitive banking or card details.

4. Data Protection

Reasonable security practices are used, but no system is completely secure.

💸 Refund & Cancellation Policy

1. Wallet Top-Ups

All wallet top-ups are non-refundable once credited successfully.

2. Failed Transactions

If money is deducted but transaction fails, the payment gateway usually auto-refunds within 5–7 business days.

3. Duplicate Payments

Duplicate or erroneous payments may be reviewed and refunded if applicable.

🚚 Shipping Policy

1. Digital Services Only

Xstream Pay does not ship any physical products.

All services and wallet credits are delivered digitally.
No courier, delivery address, or tracking is applicable.
Digital services are usually available instantly after payment.

📞 Contact Us Policy

1. Customer Support

Xstream Pay provides customer support for account-related, payment-related, and service-related queries.

2. How to Contact

Email support (recommended)
In-app support or contact form (if available)

3. Response Time

We aim to respond to user queries within 24–72 business hours. Response time may vary depending on query volume and nature.

4. Required Information

When contacting support, users should provide:

Registered phone number
Transaction ID (if applicable)
Clear description of the issue

5. Abuse of Support

Abusive or threatening communication with support staff may result in account restrictions.

📌 Final Notes

Xstream Pay reserves the right to modify these policies at any time. Continued use of the platform indicates acceptance of the updated policies.

Last Updated: December 2025