Thanks for using WYLD. We would like you to read these Terms of Service (“Terms/Terms of Service”, "Agreement") carefully, before you use our platform or any of its services (we will call them “Services”). This is important because these Terms are a legally binding document. They govern your use of our website (https://getwyld.in) and our mobile application called WYLD (collectively, the “Platform”) created by QWERTY Marketing Solutions Private Limited, a company incorporated under the laws of India, with its registered office at B-Rear, Grd Flr, Jaywant CHS Madan Mohan Malviya Marg, Dadarkar Compound, Tardeo Mumbai, Maharashtra 400034 India (“WYLD”).
WYLD is a martech app that helps users monetize their social influence and is also a distribution partner of various fintech products like PPI cards, wallets and other financial products.
The WYLD App is intended solely for users at least 18 years of age or above, and are residents of India. Any access to or use of the App by anyone under 18 or non-residents of India is expressly prohibited. By using the App, you represent and warrant that you are eligible.
In addition to above, to be eligible to use the WYLD platform and services, you must meet certain criteria as set by WYLD. These criteria may change from time to time at the sole discretion of WYLD. As of now, the criteria include:
Please note that meeting these criteria does not automatically make you eligible to use the WYLD platform and services. WYLD reserves the right to determine the eligibility of a user based on its internal criteria, which may include but are not limited to the quality of content on the user's Instagram profile, user's engagement levels, the relevance of the user's content to the WYLD brand, etc.
WYLD also reserves the right to revoke a user's eligibility if the user fails to meet the eligibility criteria at any point of time during their use of the WYLD platform and services. If your eligibility is revoked, you may lose access to certain features or services of the WYLD platform, or your account may be terminated.
Please note that these eligibility criteria are subject to change, and it is your responsibility to regularly check the terms and conditions to ensure you meet the current eligibility criteria.
You must ensure that your use of the Platform and the Services complies with Applicable Laws.
WYLD operates in collaboration with various strategic partners and these partnerships are integral to our ability to provide you with our unique services and offerings. By choosing to use our platform and services, you acknowledge and accept that your engagement with us involves interactions with such Partners, who contribute significantly to the overall service provision and experience we offer. Mentioned below are our key partnerships:
Unless indicated otherwise, the capitalized terms have the meanings given below:
We and our third-party service providers may use your data, including your financial information, to improve our Services. We and our third-party service providers may use anonymous, aggregate financial information to perform analytical research, engage in performance tracking or benchmarking, or to publish, distribute, or license the aggregated, anonymous research data for any purpose.
you understand that transmissions on the internet cannot always be secure. You are responsible for safeguarding your mobile device, phone number, one-time passwords, log-in credentials and any other information used to access our Services. If you do not take necessary safeguards you will be responsible, within limits imposed by law, for any loss associated with the unauthorized use of your WYLD Account and Wallet Account.
WYLD is a marketing technology platform that incentivizes users to make lifestyle purchases using payment services via WYLD's co-brand partners and share their experiences on social media.
WYLD Account: Before you can apply to open a Wallet Account, you must create a profile with WYLD through the Platform (“WYLD Account”). Once you have successfully opened a WYLD Account, you can use the Platform and apply for financial products via our Co-Brand partners.
To create a WYLD Account, you must provide us with:
At the time of creating the WYLD Account or any time after that (while you are using the Services), WYLD may also ask you to provide details about yourself which include without limitation:
You must add such information and documents requested in the manner prompted on the Platform. If you revoke any permissions on the Platform, we may restrict or deny your use of the Platform (or any of its features) to the extent that such information or documentation is necessary to provide you with the Services.
If we believe that the information you provide to us is unreliable or incorrect, then we may (at our discretion) disallow you from opening a WYLD Account or Wallet Account. If we discover any deficiency in the information provided by you on a later date, we may terminate your WYLD Account and your Wallet Account. Please note that we may (from time to time) ask you to provide us with information about yourself to allow you to continue using the Platform and its Services.
WYLD acts as a marketing and distribution partner for its co-brand partners like Livquik & NSDL and does not directly provide any financial service. Our partners have their specific terms and conditions that apply when using their payment services. These terms and conditions are separate from WYLD's terms and may include provisions about the use of your personal information, limitations on usage, and other rules.
Before using their payment services, we recommend you read and understand these terms and conditions. Please note that your use of their services signifies your agreement to their terms.
If you disagree with any of their terms and conditions, you may choose not to use their services. However, this may limit the services and incentives available to you through the WYLD platform.
Remember, the Wallet, PPI or other financial services are not issued by WYLD. It is issued by PPI Issuers Livquik and NSDL Payments Bank. WYLD provides and maintains the Platform which acts as an interface through which you can access these services.
WYLD does not hold your funds either. PPI Issuers Livquik and NSDL, which are regulated by the RBI, maintain the Wallets which hold your funds, and against which all payments and transfers are settled. So funds in your Wallet are solely held by such regulated entities. Ergo, when you send funds, receive funds, or make payments to merchants, the PPI Issuers debits or credits your account based on the instructions you send through the Platform.
account opening process of the user, enforcing load and spend limits, managing the refund process, transaction settlement, handling of KYC process and risk management..
If Livquik is the issuer of your PPI, you also agree to abide by Livquik's terms and conditions, which are separate from WYLD's. In the event of any discrepancy or conflict between WYLD's terms and Livquik's terms, Livquik's terms will take precedence concerning the card issuing and related services. Any discrepancies or issues related to these services fall under Livquik's responsibility, and users are advised to familiarize themselves with Livquik's terms of usage before availing of these services.
Livquik’s Terms of service: https://livquik.com/ppi/terms-and-conditions/
Livquik’s Customer Grievance Policy: https://quikwallet.com/ppi/grievance-policy/
Livquik owns the brand “QuikWallet”, which is a registered trademark.
If NSDL Payments Bank is the issuer of your PPI, you also agree to abide by NSDL’s terms and conditions, which are separate from WYLD's. In the event of any discrepancy or conflict between WYLD's terms and NSDL’s terms, NSDL’s terms will take precedence concerning the card issuing and related services. Any discrepancies or issues related to these services fall under NSDL’s responsibility, and users are advised to familiarize themselves with NSDL’s terms of usage before availing of these services.
NSDL Terms of Service: https://nsdlbank.com/terms_and_conditions.php
NSDL Customer Grievance Policy: https://nsdlbank.com/assets/layouts/pdf/CustomerServiceAndGrievanceRedressalPolicy_V2.3.pdf
As per RBI Regulations, the Bank can issue you a Wallet only if you comply with the KYC requirements or provide us with the ‘minimum details’ about yourself. Whether you can use all or some of the Wallet’s features depends on whether you have provided minimum details (about yourself) or if you have completed full KYC on the Platform. Don’t worry! We will hand hold you through this once you start using the Platform.
We may offer you any or all of these types of Wallets (through the Platform):
The features of each of these Wallets are described below. These features are subject to and may change based on changes in Applicable Law.
Tell us at once if you believe your Wallet Account or WYLD Account has been accessed without your permission. If you feel something of this sort has occurred, please email us at email@example.com. We also have a chat feature within our Platform which you can use. The sooner you tell us about the breach, the better equipped we will be to avoid/ minimise any loss.
We may terminate the Services we provide at any time, for any reason, and without advance notice. This means we can stop providing you with any Services, or impose new or additional limits without notifying you. However, we will always notify you when the law requires us to update you regarding any changes.
By using our Platform, you consent to receiving communications from us electronically. We may communicate with you by email, push notifications (on the Platform) and SMS. You agree that all electronic agreements, notices, disclosures and other communications satisfy any requirements under Applicable Law and that such communications are in writing. Please let us know if the information you share with us (including your email address and other contact details) changes. Our emails to you will be sent to the email address you last provided us, that is, if you shared your email address with us through the Platform. We will assume that you have received the email once it is sent from the outbox of our email address.
16.1. We make reasonable efforts to make the Platform and/or Services available, but we make no representations or warranties regarding the same, including the time needed to complete transaction processing because this is dependent on many factors outside our control.
16.2. WYLD through the Platform only helps you gain access to your Wallet. WYLD is not liable for any losses that may occur as a result of the acts or omissions of any other third party service providers.
16.3. The Platform and Services are provided on an “as is” basis without any representation or warranties, express or implied except otherwise specified in writing. We do not warrant the quality of the Services or the Platform, including its uninterrupted, timely, secure or error-free provision, continued compatibility on any device, or correction of any errors. In no event shall we or any of our affiliates, successors, and assigns, and each of their respective investors, directors, officers, employees or agents be liable for any special, incidental, punitive, direct, indirect or consequential damages or losses suffered as a consequence of a breach of the Terms by another user or arising out of the use of, or the reliance on, any of the Services or the Platform.
Without limiting the foregoing, under no circumstances shall we be held liable for any damage or loss due to a deficiency in provision of the Services resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication equipment failures, or any other government regulations, floods, storms, electrical failure, civil disturbances, riots.
20.1. These Terms and any action related thereto will be governed by Applicable Law. Any disputes arising out of or related to these Terms and/or the Platform, or the Services (collectively, “Dispute”) shall be subject to the jurisdiction of the courts located at Mumbai.
20.2. Any and all Disputes shall be referred to and finally resolved by arbitration, held in accordance with the provisions of the Arbitration and Conciliation Act, 1996, including any amendment or modification thereto. The arbitral tribunal shall consist of a sole arbitrator appointed by WYLD. The seat and venue of arbitration shall be Mumbai. The award and decision of the arbitrator shall be final and binding on all parties. The language of the arbitration proceedings shall be English. Each party shall bear its own expenses and costs in relation to the arbitral proceedings, unless otherwise stated in the award.
You understand and agree that we may have to modify the Services as well as the Platform on account of any regulatory changes. In such case, if you become incapable of using all or any part of the Platform or the Services, we shall not be liable to you in any manner.
We may, from time to time, display offers, services, products and advertisements from third parties on our Platform for your benefit. However, this does not mean we endorse these third parties or their products and services. If you accept any of the products or services of such third parties, such arrangement shall be solely between you and the third party. We will not be liable in any manner for such products or services of such third parties.
In order to address any questions or grievances that you may have regarding the use of your WYLD Account, please contact our Grievance Officer:
Office hours: 12 noon to 7 PM.
Email address: firstname.lastname@example.org
If however, you want to register a complaint in relation to your use of the Wallet Account, please refer to the PPI issuer’s Customer Grievance Redressal Policy given below:
This policy captures the grievance redressal mechanism available to you in relation to your Wallet Account. It will tell you how to escalate your complaints and obtain a resolution. The PPI issuer will treat your complaints in a transparent and fair manner and in accordance with Applicable Law.