Terms & Conditions
Simple rules for a rewarding experience.
These Terms & Conditions explain how Talk Pay works, how rewards are calculated, and how we keep the platform fair for every user and partner.
Terms & Conditions
Bank/UPI Requirement for Rewards
To claim any reward amount through Talk Pay, you must have a valid bank account linked to your TalkPay account. Only users with verified bank accounts or UPI wallets can withdraw earned rewards. During the reward claim process, you are required to provide your bank details or UPI ID to ensure smooth and secure transactions. Without valid payment information, rewards cannot be withdrawn.
Acceptance of Terms
By installing or using the Talk Pay app, you agree to these Terms & Conditions. If you do not agree, please uninstall the app and discontinue any use of Talk Pay's services.
App Functionality
Talk Pay manages incoming and outgoing calls on your smartphone. The app integrates advertisements during certain call activities, allowing users to earn rewards. Advertisements are displayed in a non-intrusive manner and shown only a limited number of times per day to enhance your experience without excessive disruption.
Privacy and Call Data
Talk Pay does not record, store, or listen to your calls or save your call history in our database. The only call-related data we record is the duration of each call, which is used solely for calculating earned rewards.
Points & Rewards
Rewards are calculated based on ad interactions during calls. An active internet connection is mandatory for the proper display of ads and reward calculation. If your internet connection drops during an ad display or call, the related points will not be credited.
- Rewards apply only when your call is connected.
- You earn for every new ad you see each day (repeat ads don't count).
- Payments go straight to your bank or UPI wallet.
- TalkPay own ads are not included for rewards.
Points can be redeemed once a specified threshold is reached.
Account Verification
Users must sign in using a valid email address and mobile number. An OTP (One-Time Password) is sent to verify your identity. For optimal app performance, you should set Talk Pay as your default calling application.
Restrictions
You must not misuse Talk Pay's services, engage in fraudulent activity, attempt to reverse-engineer the app, or create fake accounts to accumulate rewards unlawfully. Such actions will result in suspension or termination of your account and forfeiture of rewards.
Modifications
Talk Pay reserves the right to amend these Terms & Conditions at any time. Continued use of the app after updates signifies your acceptance of any changes.
By using Talk Pay, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.