Terms of service

1. What we are, and what we are not

Sachin Telecom is an authorised Fino Payments Bank mini branch and an authorised CSC centre. That means we operate as an agent. Your bank account is with Fino Payments Bank, your application is with the government department, and your insurance policy is with the insurer. Their rules, limits and timelines apply to those services. We are the counter that helps you use them.

2. Charges

• AEPS cash withdrawal and micro ATM withdrawal are free. No hidden fee, no "service charge", no minimum.
• Some services carry a charge set by the bank, the government portal, or us (for example money transfer, PVC printing, form filling, prints). We tell you the exact amount before we start. If you don't want to proceed, nothing is charged.
• Government fees and bank charges go to those organisations. Once an application is submitted, those fees are usually non-refundable by them. See our refund policy.

3. What we need from you

• Bring genuine, valid documents. We can't submit a form on a photocopy the portal doesn't accept, or on someone else's Aadhaar.
• Do banking transactions for your own account, or with the account holder present and consenting. We may refuse a transaction that looks wrong; that's to protect you.
• Check the receipt or acknowledgement before you leave. Tell us right away if a name, number or amount is wrong.
• Keep your OTP, PIN and Aadhaar-linked mobile with you. We will never ask for your PIN, and you should never share it with anyone, including us.

4. Timelines

Prints, photocopies, passport photos and lamination are usually done while you wait. PVC Aadhaar and PAN cards are same day. Government applications (new PAN, certificates, pensions, scholarships) depend on the department; we'll tell you the typical time and give you the acknowledgement number so you can track it. We can't speed up a government office, but we will follow up with you.

5. Mistakes and liability

• If a print, card or lamination is wrong because of our error, we redo it free.
• If a form is rejected because of a mistake we made in filling it, we re-apply at our cost (government re-application fees excluded where the department charges them again).
• If a form is rejected because a document you gave was invalid or details you told us were wrong, the re-application is charged normally.
• For banking, transaction disputes (for example cash not received but account debited) are raised with Fino Payments Bank immediately from our counter. Such reversals typically happen within the bank's stated time.
• Our liability for any service is limited to the amount you paid us for that service.

6. Mobile accessories

Every accessory is tested in front of you before payment. Manufacturer warranty, where offered, is handled through the brand with the bill we give you. Our own replacement promise is in the refund & returns policy.

7. Documents you leave with us

Anything you send for printing or leave for a form is handled as described in our privacy policy. Please collect prints and originals within 15 days; after that we may securely dispose of uncollected prints.

8. The website

This website is for information. Prices and services may change; the counter has the final word on the day. Links to WhatsApp, Google Maps and other sites are governed by those sites' own terms.

9. Disputes

Talk to us first, at the counter or on WhatsApp. Most things get sorted in one conversation. If not, these terms are governed by the laws of India and the courts at Kanpur / Unnao, Uttar Pradesh.