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Terms and Conditions

Swytcho Energy Private Limited

Effective Date and Last Updated: 12 November 2026

Agreement and Electronic Record

This document is an electronic record in terms of the Information Technology Act, 2000 and the rules thereunder, and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. It is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with Rule 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (and the corresponding provisions of earlier rules, as applicable), which require publishing the rules and regulations, privacy policy and terms of use for access or usage of the domain name https://www.swytcho.com (the “Website”), including the related mobile site and the Swytcho mobile application (together, the “Platform”).

The Platform is owned by Swytcho Energy Private Limited (CIN U62099KA2026PTC222358; GSTIN 29ABUCS0392R1Z4), with its registered office at Innov8 Prestige Tech Platina, 11th Floor, No.32/2, 34/1, Varthur, Bangalore South, Bangalore – 560087, Karnataka, India (the “Platform Owner”, “Swytcho”, “we”, “us”, “our”).

Your use of the Platform and the services and tools is governed by these Terms and Conditions (“Terms of Use”), including the applicable policies incorporated by reference. If you transact on the Platform, you are subject to the policies applicable to such transaction. By mere use of the Platform, you contract with the Platform Owner, and these Terms of Use, including the policies, constitute your binding obligations to the Platform Owner. These Terms relate to your use of our website, mobile app, goods (as applicable) and services (as applicable) (collectively, the “Services”). Any terms proposed by you that are in addition to or conflict with these Terms of Use are expressly rejected and have no force or effect. These Terms may be modified at any time; it is your responsibility to review them periodically.

For these Terms, “you”, “your” or “user” means any natural or legal person who has agreed to become a user on the Platform.

ACCESSING, BROWSING OR OTHERWISE USING THE PLATFORM INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THEM CAREFULLY BEFORE PROCEEDING.

Eligibility

You must be at least 18 years old, competent to contract under the Indian Contract Act, 1872, and not barred from using the Services by any law. If you use the Platform on behalf of an organisation, you confirm you are authorised to bind it.

Description of Services

Swytcho is a software and technology platform offering:

Utility bill payments: fetching electricity and other utility bills through BBPS (via Eko) and paying them online through PhonePe Payment Gateway.

Energy monitoring and insights: tracking and understanding energy use, costs and tariffs based on information you provide or bills fetched.

Forecasting: weather-based estimates of energy usage and bills.

Energy planning and renewable-energy-related software support: tools and guidance to help you plan energy use and evaluate renewable options.

Reminders and alerts: due-date notifications and payment receipts.

Subscriptions: paid plans for premium features, as described in the app.

Swytcho provides software only. Swytcho does not generate, distribute, sell or supply electricity or renewable energy, and is not a utility or licensee. Electricity and other utility services are supplied and billed by the respective utilities. Swytcho may offer hardware products (such as meters or sensors) in the future; the Return and Shipping policies will apply at that time.

Account Registration and Security

  • To access and use the Services, you agree to provide true, accurate and complete information during and after registration, and you are responsible for all acts done through your registered account.
  • You are responsible for keeping your credentials, OTPs and device secure.
  • Notify us immediately at admin@swytcho.com of any unauthorised use.
  • We may refuse, suspend or close accounts with false information or that violate these Terms.

Payments

  • Payments are processed through PhonePe Payment Gateway (including Standard Checkout, SDK and UPI Intent flows) using UPI, credit and debit cards, net banking and wallets as available. Bill payments are routed through BBPS via Eko.
  • By confirming a payment you authorise us and our Payment Partners to process the transaction.
  • All amounts are in Indian Rupees (INR). Any convenience fee, platform fee, taxes (including GST) or subscription charge will be displayed before you pay. You agree to pay the charges associated with availing the Services.
  • A transaction is complete only when the Payment Partner confirms success. Crediting to the biller may take time depending on the biller’s systems and BBPS settlement timelines.
  • You are responsible for entering the correct biller, consumer number and amount. Swytcho is not liable for payments made to wrong details entered by you.
  • We do not store card details, UPI PIN or net-banking credentials.
  • If an amount is debited but the transaction fails, it will be reversed or refunded as described in the Refund Policy.
  • We may decline or cancel transactions that we suspect involve fraud, money laundering or violation of law.
  • When you initiate a transaction to avail the Services, you enter into a legally binding and enforceable contract with the Platform Owner for those Services.

Fees and Subscriptions

  • Sign-up is free.
  • Certain features become paid after an initial free period of 3 months. The subscription price, billing cycle and features will be shown in the app before you subscribe.
  • Subscriptions are taken only when you choose to purchase them. Fees are charged in advance for the billing period.
  • Subscription payments are non-refundable and cannot be cancelled for a refund, except as stated in the Refund Policy for failed, duplicate or erroneous charges.
  • We may change prices with prior notice. Changes apply to future billing periods.

Acceptable Use

You agree not to:

Use the Platform or Services for any purpose that is unlawful, illegal or forbidden by these Terms or by Indian or other applicable local laws.

Violate any third-party right.

Provide false or misleading information, or impersonate anyone.

Attempt unauthorised access, or probe, scan or test the vulnerability of the Platform.

Introduce malware, bots or scrapers, or overload the infrastructure.

Reverse engineer, decompile, copy or resell the Platform or its data.

Use the Platform for fraud, money laundering or unauthorised commercial purposes.

Pay bills in violation of BBPS or RBI rules.

Post unlawful, defamatory, obscene or infringing content.

You acknowledge that unauthorised use of the Platform or Services may lead to action against you under these Terms and applicable laws.

Accuracy of Information; Use at Your Own Risk

Neither we nor any third party provides any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials offered on the Platform or through the Services for any specific purpose. Such information and materials may contain inaccuracies or errors, and we expressly exclude liability for them to the fullest extent permitted by law.

Bill details are fetched from billers through BBPS. We do not control biller data and are not responsible for errors, delays or unavailability of bill information. Energy insights and forecasts are estimates based on available data.

Your use of the Services and the Platform is solely at your own risk and discretion. You are required to independently assess and ensure that the Services meet your requirements.

Intellectual Property

The contents of the Platform and the Services, including design, layout, look, graphics, software, trademarks, logos, text and data models, are proprietary to us and our licensors and are protected by law. You have no authority to claim any intellectual property right, title or interest in them. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for personal or internal business purposes. No other rights are granted.

User Content and Feedback

You retain ownership of content you submit. You grant Swytcho a non-exclusive, worldwide, royalty-free licence to use it to operate and improve the Services. Feedback you provide may be used without obligation to you.

Third-party Services and Links

The Platform and Services may contain links to, or integrations with, third-party websites and services, including PhonePe, Eko, BBPS, billers, MSG91, Google Firebase, Google Gemini, PostHog, Open-Meteo, Supabase and Railway. On accessing these links you are governed by the terms of use, privacy policy and other policies of those third parties. Links are provided for your convenience to give further information. We do not control and are not responsible for third-party services, content or availability.

Disclaimers

  • The Platform and Services are provided “as is” and “as available”.
  • Savings estimates, forecasts, tariff comparisons and recommendations are indicative, not guarantees.
  • We do not guarantee uninterrupted, timely, secure or error-free operation.
  • Nothing on the Platform is professional engineering, legal or financial advice.

Limitation of Liability

To the maximum extent permitted by law, Swytcho and its directors, employees and partners are not liable for indirect, incidental, special or consequential losses, loss of profits, data or goodwill, or for failures of billers, banks, networks or payment partners. Our total liability for any claim is limited to the amount you paid to Swytcho for the transaction in question in the three months before the claim. Nothing excludes liability that cannot be excluded by law, including your rights under the Consumer Protection Act, 2019.

Indemnity

You shall indemnify and hold harmless the Platform Owner, its affiliates, group companies (as applicable) and their respective officers, directors, agents and employees from any claim, demand or action, including reasonable attorney’s fees, made by any third party, or any penalty imposed, arising out of your breach of these Terms, the Privacy Policy or other policies, your violation of any law, rules or regulations, or the rights (including intellectual property rights) of a third party.

Suspension and Termination

We may suspend or terminate your access without notice for breach, suspected fraud, legal requirement or prolonged inactivity. You may stop using the Platform and delete your account at any time. Provisions that by nature should survive termination will survive, including intellectual property, disclaimers, liability and governing law.

Force Majeure

Notwithstanding anything in these Terms, the parties shall not be liable for any failure to perform an obligation under these Terms if performance is prevented or delayed by a force majeure event, including natural disasters, grid failures, strikes, government action, internet or telecom outages, and failures of third-party systems.

Governing Law and Jurisdiction

These Terms, and any dispute or claim relating to them or their enforceability, are governed by and construed in accordance with the laws of India. The parties will first try to resolve disputes amicably through our Grievance Officer. All disputes arising out of or in connection with these Terms are subject to the exclusive jurisdiction of the courts at Bangalore, Karnataka, India, without affecting your right as a consumer to approach the competent consumer forum or the National Consumer Helpline (1915).

Notices and Grievance Redressal

All concerns or communications relating to these Terms must be communicated to us using the contact information on the Platform. Notices to you may be sent by email, SMS, in-app message or posting on the Platform. Notices to us: admin@swytcho.com, or Swytcho Energy Private Limited, Innov8 Prestige Tech Platina, 11th Floor, No.32/2, 34/1, Varthur, Bangalore South, Bangalore – 560087, Karnataka.

Grievance Officer: Anurag Srichandan, Executive; tech.admin@swytcho.com; +91-8904584443. Complaints are acknowledged within 48 hours and resolved within 30 days.

General

  • Entire agreement: these Terms, with the Privacy Policy, Refund Policy and Shipping Policy, are the whole agreement.
  • Severability: if any provision is invalid, the rest remains in force.
  • No waiver: failure to enforce a right is not a waiver.
  • Assignment: you may not assign your rights; we may assign ours.
  • Amendments: we may amend these Terms at any time by posting the updated version with a new date. Continued use means acceptance.