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Terms & Conditions
Effective Date: 08.11.2025
Welcome to Spotted (AAR Tech Ventures Private Limited) (“Spotted”, “we”, “our”, or “us”).
These Terms & Conditions govern your access to and use of our platform, services, and applications (collectively, the "Platform") which facilitate QR-based UPI payments and reward-based interactions between merchants and end-users.
Please read these Terms carefully before using the Platform. By accessing or using any part of the Platform, you agree to be bound by the following terms:
1. Definitions
User: Any individual who uses the Spotted platform to make UPI-based payments, earn cashback, or engage with merchant content.
Merchant: Any business entity onboarded on Spotted for payment acceptance and consumer engagement.
Spotted Post: A user-generated content unit shared publicly upon a qualified transaction, e.g., “User was Spotted @MerchantName”.
Cashback: A defined monetary incentive (e.g., 3%) granted to the User for successful participation in a qualified transaction and opt-in to share a Spotted Post.
Transaction: A UPI payment initiated by the User via QR code scanned through the Spotted application.
2. Scope of Service
Spotted acts as a value-added technology platform on top of the existing UPI ecosystem. We facilitate UPI payment initiation and provide conditional rewards subject to user action and platform logic. Payments are routed through certified Payment Service Providers (PSPs) or TPAPs.
Spotted is a Technology Service Provider (TSP) or operates via partnership with a licensed TPAP/PSP under NPCI norms.
We do not store, process, or transmit sensitive UPI credentials such as MPIN, OTP, or VPA authentication tokens.
3. Payment Mechanism
Users initiate transactions by scanning standardized UPI QR codes. The app decodes VPA and optionally initiates UPI Intent flow or Deep Link Payment, redirecting to an authorized UPI app. All payments are executed under the governance of the relevant banking PSP and UPI network protocols. Spotted validates success through PSP-provided APIs or callback events before triggering any post-transactional logic.
4. Cashback Logic
Cashback is only credited when the User completes a qualified UPI transaction and publishes a valid Spotted Post. The cashback amount is funded by the merchant and deducted either from the merchant’s wallet balance or via an automated settlement API. If the Spotted Post is deleted, modified, or found to be inauthentic, Spotted reserves the right to revoke or adjust the cashback. Cashback will remain under moderation for up to 48 hours before being credited to the User’s wallet or linked bank account. Cashback values, eligibility rules, and moderation timeframes may change periodically and will be reflected in-app.
5. User Responsibilities
Users must ensure their UPI app is active and functional. Users shall not engage in fraudulent activity to artificially trigger cashback or manipulate post logic. Any misuse of the platform, including fake location check-ins, automation, or post tampering, will lead to immediate account suspension.
6. Merchant Responsibilities
Merchants agree to pay:
Customer Incentive (Cashback):
Configurable by merchant (default: 3% of transaction value)
Platform Fee: 2% for marketing and engagement services
Fees apply only to qualified transactions where a Spotted Post is successfully shared.
Merchants must keep business details updated and comply with all verification and payout policies.
7. Refunds & Reversals
Refunds for failed or duplicate transactions are governed by the policies of the respective UPI PSP or Bank. If cashback was granted on a later refunded transaction, the cashback amount will be clawed back. Users and merchants agree to allow such reversals without further consent.
8. Data & Security Compliance
We do not store UPI credentials, card numbers, PINs, or bank passwords. All data handling complies with: PCI-DSS (for any card-linked modules)ISO 27001:2013 standards (internal infra policies)Data Minimization & Encryption protocols at rest and in transit Personally Identifiable Information (PII) and transaction logs are secured using AES-256 encryption and TLS 1.3 for API calls.
9. API and Transaction Logging
All payment actions, post status, cashback triggers, and reversals are logged in an immutable audit log system. API endpoints are rate-limited, auth token gated, and monitored for abuse patterns.
10. Compliance & Regulatory Oversight
Spotted operates in accordance with NPCI guidelines, RBI circulars, and Indian IT Act, 2000 (as amended).Any bank- or PSP-mandated change (e.g., due to circulars like DPSS.CO.PD.No.1343/02.14.003/2017-18) shall be implemented within 48 hours of notice.
11. User-Generated Content & Community Guidelines
Spotted allows users to share posts (“Spotted Posts”) which are considered User-Generated Content (UGC).
To maintain a safe and positive community, users agree to the following:
Zero Tolerance: Users must not upload or share content that is abusive, hateful, obscene, harassing, defamatory, discriminatory, or violates any law.
Filtering & Moderation: All user-generated posts are automatically and manually moderated. Inappropriate or objectionable content will be filtered or removed.
Reporting: Users can report objectionable content directly through the app interface.
Blocking: Users can block or restrict other users who exhibit abusive behavior.
Developer Action: Spotted will review all reported or flagged content within 24 hours and remove any content or account violating these guidelines.
Account Suspension: Users repeatedly posting objectionable material may have their account suspended or permanently terminated.
By using Spotted, you agree to these community standards and acknowledge that violation may lead to account restrictions or deletion.
12. Limitation of Liability
Spotted is not liable for:
Transaction failures due to third-party UPI app issues.
Cashback denial due to user action (e.g. no post shared).Delays in bank settlements or merchant bank-related issues.
User-generated content posted by users; however, we will remove any reported content violating our guidelines within 24 hours.
13. Amendments and Legal Jurisdiction
Spotted reserves the right to modify these Terms at any time. Updates will be posted on the Platform and take effect immediately upon publication. Continued use of the Platform after changes indicates acceptance of the updated Terms. The governing law is Indian law, and disputes shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra.
14. Contact Information
For compliance queries, disputes, or technical clarification, please contact:
AAR Tech Ventures Pvt. Ltd.
Email: support@tryspotted.com
Welcome to Spotted (AAR Tech Ventures Private Limited) (“Spotted”, “we”, “our”, or “us”).
These Terms & Conditions govern your access to and use of our platform, services, and applications (collectively, the "Platform") which facilitate QR-based UPI payments and reward-based interactions between merchants and end-users.
Please read these Terms carefully before using the Platform. By accessing or using any part of the Platform, you agree to be bound by the following terms:
1. Definitions
User: Any individual who uses the Spotted platform to make UPI-based payments, earn cashback, or engage with merchant content.
Merchant: Any business entity onboarded on Spotted for payment acceptance and consumer engagement.
Spotted Post: A user-generated content unit shared publicly upon a qualified transaction, e.g., “User was Spotted @MerchantName”.
Cashback: A defined monetary incentive (e.g., 3%) granted to the User for successful participation in a qualified transaction and opt-in to share a Spotted Post.
Transaction: A UPI payment initiated by the User via QR code scanned through the Spotted application.
2. Scope of Service
Spotted acts as a value-added technology platform on top of the existing UPI ecosystem. We facilitate UPI payment initiation and provide conditional rewards subject to user action and platform logic. Payments are routed through certified Payment Service Providers (PSPs) or TPAPs.
Spotted is a Technology Service Provider (TSP) or operates via partnership with a licensed TPAP/PSP under NPCI norms.
We do not store, process, or transmit sensitive UPI credentials such as MPIN, OTP, or VPA authentication tokens.
3. Payment Mechanism
Users initiate transactions by scanning standardized UPI QR codes. The app decodes VPA and optionally initiates UPI Intent flow or Deep Link Payment, redirecting to an authorized UPI app. All payments are executed under the governance of the relevant banking PSP and UPI network protocols. Spotted validates success through PSP-provided APIs or callback events before triggering any post-transactional logic.
4. Cashback Logic
Cashback is only credited when the User completes a qualified UPI transaction and publishes a valid Spotted Post. The cashback amount is funded by the merchant and deducted either from the merchant’s wallet balance or via an automated settlement API. If the Spotted Post is deleted, modified, or found to be inauthentic, Spotted reserves the right to revoke or adjust the cashback. Cashback will remain under moderation for up to 48 hours before being credited to the User’s wallet or linked bank account. Cashback values, eligibility rules, and moderation timeframes may change periodically and will be reflected in-app.
5. User Responsibilities
Users must ensure their UPI app is active and functional. Users shall not engage in fraudulent activity to artificially trigger cashback or manipulate post logic. Any misuse of the platform, including fake location check-ins, automation, or post tampering, will lead to immediate account suspension.
6. Merchant Responsibilities
Merchants agree to pay:
Customer Incentive (Cashback):
Configurable by merchant (default: 3% of transaction value)
Platform Fee: 2% for marketing and engagement services
Fees apply only to qualified transactions where a Spotted Post is successfully shared.
Merchants must keep business details updated and comply with all verification and payout policies.
7. Refunds & Reversals
Refunds for failed or duplicate transactions are governed by the policies of the respective UPI PSP or Bank. If cashback was granted on a later refunded transaction, the cashback amount will be clawed back. Users and merchants agree to allow such reversals without further consent.
8. Data & Security Compliance
We do not store UPI credentials, card numbers, PINs, or bank passwords. All data handling complies with: PCI-DSS (for any card-linked modules)ISO 27001:2013 standards (internal infra policies)Data Minimization & Encryption protocols at rest and in transit Personally Identifiable Information (PII) and transaction logs are secured using AES-256 encryption and TLS 1.3 for API calls.
9. API and Transaction Logging
All payment actions, post status, cashback triggers, and reversals are logged in an immutable audit log system. API endpoints are rate-limited, auth token gated, and monitored for abuse patterns.
10. Compliance & Regulatory Oversight
Spotted operates in accordance with NPCI guidelines, RBI circulars, and Indian IT Act, 2000 (as amended).Any bank- or PSP-mandated change (e.g., due to circulars like DPSS.CO.PD.No.1343/02.14.003/2017-18) shall be implemented within 48 hours of notice.
11. User-Generated Content & Community Guidelines
Spotted allows users to share posts (“Spotted Posts”) which are considered User-Generated Content (UGC).
To maintain a safe and positive community, users agree to the following:
Zero Tolerance: Users must not upload or share content that is abusive, hateful, obscene, harassing, defamatory, discriminatory, or violates any law.
Filtering & Moderation: All user-generated posts are automatically and manually moderated. Inappropriate or objectionable content will be filtered or removed.
Reporting: Users can report objectionable content directly through the app interface.
Blocking: Users can block or restrict other users who exhibit abusive behavior.
Developer Action: Spotted will review all reported or flagged content within 24 hours and remove any content or account violating these guidelines.
Account Suspension: Users repeatedly posting objectionable material may have their account suspended or permanently terminated.
By using Spotted, you agree to these community standards and acknowledge that violation may lead to account restrictions or deletion.
12. Limitation of Liability
Spotted is not liable for:
Transaction failures due to third-party UPI app issues.
Cashback denial due to user action (e.g. no post shared).Delays in bank settlements or merchant bank-related issues.
User-generated content posted by users; however, we will remove any reported content violating our guidelines within 24 hours.
13. Amendments and Legal Jurisdiction
Spotted reserves the right to modify these Terms at any time. Updates will be posted on the Platform and take effect immediately upon publication. Continued use of the Platform after changes indicates acceptance of the updated Terms. The governing law is Indian law, and disputes shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra.
14. Contact Information
For compliance queries, disputes, or technical clarification, please contact:
AAR Tech Ventures Pvt. Ltd.
Email: support@tryspotted.com
