Privacy Legal

Indemnification

The User agrees to indemnify, defend and hold harmless SKYCORPORATE, its affiliates and their respective officers, directors, lawful successors and assigns from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by such indemnified persons, that arise out of, result from, or may be payable by virtue of, any breach of any representation or warranty provided by the User, or non-performance of any covenant by the User.

The User shall be solely liable for any breach of any country specific rules and regulations or general code of conduct and SKYCORPORATE cannot be held responsible for the same.

Force Majeure

There can be exceptional circumstances where SKYCORPORATE and / or the Service Providers may be unable to honor the confirmed bookings due to various reasons like act of God, labor unrest, insolvency, a pandemic, an epidemic, business exigencies, government decisions, terrorist activity, any operational and technical issues, route and flight cancellations etc. or any other reason beyond the control of SKYCORPORATE. If SKYCORPORATE has advance knowledge of any such situations where dishonor of bookings may happen, it will make its best efforts to provide similar alternative to the User or refund the booking amount after deducting applicable service charges, if supported and refunded by that respective service operators. The User agrees that SKYCORPORATE being merely a facilitator of the services and products booked, cannot be held responsible for any such Force Majeure circumstance. The User has to contact the Service Provider directly for any further resolutions and refunds.

The User agrees that in the event of non-confirmation of booking due to any technical reasons (like network downtime, disconnection with third party platforms such as payment gateways, banks etc.) or any other similar failures, SKYCORPORATE’s obligation shall be limited refunding the booking amount, if any, received from the customer. Such refund shall completely discharge SKYCORPORATE from all liabilities with respect to that transaction. Additional liabilities, if any, shall be borne by the User.

In no event shall SKYCORPORATE and be liable for any direct, indirect, punitive, incidental, special or consequential damages, and any other damages like damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Website or any other Sales Channel.

Right To Cancel

The User expressly undertakes to provide SKYCORPORATE with correct and valid information while making use of the Website under this User Agreement, and not to make any misrepresentation of facts. Any default on part of the User would disentitle the User from availing the services from SKYCORPORATE.

In case SKYCORPORATE discovers or has reasons to believe at any time during or after receiving a request for services from the User that the request for services is either unauthorized or the information provided by the User or any of the travelers is not correct or that any fact has been misrepresented by that User, SKYCORPORATE shall be entitled to appropriate legal remedies against the User, including cancellation of the bookings, without any prior intimation to the User. In such an event, SKYCORPORATE shall not be responsible or liable for any loss or damage that may be caused to the User or any other person in the booking, as a consequence of such cancellation of booking or services.

If any judicial, quasi-judicial, investigation agency, government authority approaches SKYCORPORATE to cancel any booking, SKYCORPORATE will cancel the same without approaching the concerned User whose booking has been cancelled.

The User shall not hold SKYCORPORATE responsible for any loss or damage arising out of measures taken by SKYCORPORATE for safeguarding its own interest and that of its genuine customers. This would also include SKYCORPORATE denying or cancelling any bookings on account of suspected fraud transactions.

Right To Refuse

Right To Refuse by SKYCORPORATE

SKYCORPORATE at its sole discretion reserves the right to not accept any booking without assigning any reason thereof.

SKYCORPORATE will not provide any service or share confirmed booking details till such time the complete consideration is received from the User.

In addition to other remedies and recourse available to SKYCORPORATE under this User Agreement or under applicable law, SKYCORPORATE may limit the User's activity, warn other users of the User's actions, immediately suspend or terminate the User's registration, or refuse to provide the User with access to the Website if:

  • The User is in breach of this User Agreement; or
  • SKYCORPORATE is unable to verify or authenticate any information provided by the User; or
  • SKYCORPORATE believes that the User's actions may infringe on any third-party rights or breach any applicable law or otherwise result in any liability for the User, other users of SKYCORPORATE, or SKYCORPORATE itself.

Once a User has been suspended or terminated, such User shall not register or attempt to register with SKYCORPORATE with different credentials, or use the Website in any manner whatsoever until such User is reinstated by SKYCORPORATE. SKYCORPORATE may at any time in its sole discretion reinstate suspended users.

If a User breaches this User Agreement, SKYCORPORATE reserves the right to recover any amounts due to be paid by the User to SKYCORPORATE, and to take appropriate legal action as it deems necessary.

The User shall not write or send any content to SKYCORPORATE which is, or communicate with SKYCORPORATE using language or content which is:

  • abusive, threatening, offensive, defamatory, coercive, obscene, belligerent, glorifying violence, vulgar, sexually explicit, pornographic, illicit or otherwise objectionable;
  • contrary to any applicable law;
  • violates third parties' intellectual property rights;
  • a spam; or
  • in breach of any other part of these terms and conditions of use.

If the User violates any of the aforesaid terms, SKYCORPORATE shall be at liberty to take appropriate legal action against the User.

Right To Refusal by end service provider

User agrees that that the end service provider may refuse to provide the service(s), agreed to be provided to the User, for any booking made through SKYCORPORATE with/without assigning any reasons or owing to reasons including but not limited to behavioural issues, public safety, health hazards, infectious diseases, government orders/notification etc. In such scenarios of refusal, the liability that may ensue shall solely vest with the end service provider as it is outside the purview of SKYCORPORATE and the User agrees that any claim, refund or damages against such refusal shall lie solely against the end service provider and not SKYCORPORATE.

Covid=19 Related Yerms % Conditions

User agrees that due to recent outbreak of COVID-19 pandemic, which has been declared as a national disaster by the Government of India, there may be instances, where the end service provider either cancels the booking or refuses to provide the services, as agreed with the User, by assigning or not assigning any specific reason for such refusal. Refusal of service may be due to the reasons including but not limited to the User:

  • exhibiting any symptoms associated with COVID 19.
  • refusing to comply with safety advisories, like wearing protective gear, complying with social distancing norms etc.
  • suffering of any ailment making the User vulnerable to the virus
  • posing a threat to the health and safety of others

In such cases SKYCORPORATE will assume no liability for the refusal of service by the end service provider. The User also agrees that refund, if any, for such bookings will be processed by SKYCORPORATE to the User subject to receipt of the same from the end service provider.

User further understands that due to the outbreak of COVID-19, the Central Government through its ministries, State Governments and statutory bodies have/may come up with detailed set of guidelines or standard operating procedure (SOP) that a traveler will have to follow in order to undertake the travel.

The User agrees to abide with all such guidelines/SOP while undertaking any travel. Failure to abide by such detailed set of guidelines/SOP, may lead to a situation where the service provider or any person authorized by the Central Government, State Government or statutory body may disallow the User to undertake the travel. In such circumstances, SKYCORPORATE will not be held liable for such refusal to travel and refund, if any, shall be strictly as per the terms of the service provider.

User understands that the Central Government, State Governments and various other bodies, may mandate downloading of Arogya Setu App or submitting a self- declaration form prior to entering a transit point like airport, railway station etc. or at the time of checking-in for a flight, into a hotel etc. Accordingly, the User must ensure downloading of Arogya Setu App on their smartphones or provide any other alternate such as self-declaration when demanded.

User undertakes that all bookings are subject to certain minimum medical wellbeing criteria specified by the Govt. / appropriate authority from time to time. User should have no medical history of the COVID-19 virus 28 days before the date of scheduled travel, especially in case of inbound travel. In this regard the User may be required to furnish a medical proof or health declaration in an applicable format.

UPI Related Terms & Conditions

SKYCORPORATE acts as a Third Party Application Provider (TPAP) under UPI

SKYCORPORATE is a TPAP authorized by NPCI to facilitate payments through PSP Bank(s). For this purpose ICICI Bank and IndusInd Bank shall act as the PSP. SKYCORPORATE is a service provider participates in UPI through the PSP Bank.

Through the agreement entered into between SKYCORPORATE, ICICI/IndusInd and NPCI, SKYCORPORATE shall facilitates grievances, complaints and provide resolution to the customers using our UPI application.

SKYCORPORATE shall act as the first point of contact for all UPI related grievances/ complaints for its UPI customers. In the event the complaint or grievance remains unresolved, the User may escalate the issue to ICICI Bank/IndusInd Bank, followed by the User’s bank (linked to the UPI account) and NPCI thereafter, in the same order. If the User is still dissatisfied, the User may approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

FAQS

What is NPCI?: National Payments Corporation of India (NPCI) is an authorized payment system operated by RBI. NPCI owns and operates the UPI payment system.

What is PSP bank?: Payment Service Provider (PSP) is the banking company authorized to act as a service provider under the UPI framework. PSP engages the Third Party Application Provider (TPAP) to provide UPI services to the end-user customers.

What is TPAPs?: Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

What is Customer’s Bank?: The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

Who is End User Customer?: The end-user customer is the individual who uses UPI payment facility to send and receive payments.

Genral terms partaining to the use of UPI

Roles & Responsibilities of NPCI
  • NPCI owns and operates the Unified Payments Interface (UPI) platform
  • NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement
  • NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI
  • NPCI provides a safe, secure and efficient UPI system and network
  • NPCI provides online transaction routing, processing and settlement services to members participating in UPI
  • NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI
  • NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.
  • Roles & responsibilities of PSP Bank
  • PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments
  • PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
  • PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app
  • PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers
  • PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform
  • PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security
  • PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India
  • PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
  • PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer
  • Roles & responsibilities of TPAP
  • TPAP is a service provider and participates in UPI through PSP Bank
  • TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI
  • TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform
  • TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard
  • TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India
  • TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI
  • TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.
  • Dispute Redressal Mechanism
  • Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app/NPCI using the following links:
  • SKYCORPORATEsupportlink: https://www.skycorporate.in/contact.html
  • PSP BankLink: ICICIBank: https://www.icicibank.com/complaints/complaints.page
  • IndusInd Bank: https://www.indusind.com/in/en/personal/reach-us.html
  • NPCI Link : https://www.npci.org.in/what-we-do/upi/dispute-redressal-mechanism
  • End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto
  • A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.
  • The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions
  • The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself.

Obligayion To Obtain Visa

International bookings made through SKYCORPORATE are subject to the requirements of visa including but not limited to transit visa, OK TO BOARD which are to be obtained by the User as per the requirement of their travel bookings and the requirements of the countries the User intends to visit or transit through.

SKYCORPORATE is not responsible for any issues, including inability to travel, arising out of such visa requirements and is also not liable to refund any amount to the User for being unable to utilize the booking due to absence or denial of visa, irrespective whether or not the User has availed the services of SKYCORPORATE for the visa process too. Refund, if any, will be as per the applicable terms of booking and cancellation policy.

Usage of the mobile number, communication details of the user by SKYCORPORATE

SKYCORPORATE will send booking confirmation, itinerary information, cancellation, payment confirmation, refund status, schedule change, or any such other information relevant for the transaction or booking made by the User, via SMS, internet-based messaging applications like WhatsApp, voice call, e-mail, or any other alternate communication detail provided by the User at the time of booking.

SKYCORPORATE may also contact the User through the modes mentioned above for any pending or failed bookings, to know the preference of the User for concluding the booking, and also to help the User for the same.

The User hereby unconditionally consents that such communications via SMS, internet-based messaging applications like WhatsApp, voice call, email, or any other mode by SKYCORPORATE are:

  • upon the request and authorization of the User;
  • 'transactional' and not an 'unsolicited commercial communication' as per the guidelines of the Telecom Regulation Authority of India (TRAI), and
  • in compliance with the relevant guidelines of TRAI or such other authority in India and abroad.

The User will indemnify SKYCORPORATE against all types of losses and damages incurred by SKYCORPORATE due to any action taken by TRAI, Access Providers (as per TRAI regulations), or any other authority due to any erroneous complaint raised by the User on SKYCORPORATE with respect to the communications mentioned above or due to a wrong number or email id being provided by the User for any reason whatsoever.

Insurance

Unless explicitly provided by SKYCORPORATE in any specific service or deliverable, obtaining sufficient insurance coverage is the obligation of the User. In no case shall SKYCORPORATE accept any claims arising out of such scenarios.

Insurance, if any provided as a part of the service or product by SKYCORPORATE, shall be as per the terms and conditions of the third-party insurance company. SKYCORPORATE merely acts as a facilitator in connecting the User with the insurance company. The User shall contact the insurance company directly for any claims or disputes. SKYCORPORATE shall not be held liable in case of partial acceptance or denial of the claims by the insurance company.