Terms & Conditions

Effective date: 20 April 2026 · Version 1.0 · Platform: StopTap (Android)

1. Acceptance of these Terms

These Terms and Conditions ("Terms") govern your access to and use of the StopTap mobile application ("App") and the website at https://stoptap.in ("Website"; together with the App, the "Platform"), which are owned and operated by Value Garage Private Limited, a private limited company incorporated under the Companies Act, 2013, having:

• Corporate Identity Number (CIN): U66190DL2025PTC453505
• Registered office: Flat no. 26, Vandana Apartments, Plot no. 42, IP Extension, Delhi 110092, India.

("StopTap", "we", "us", "our").

By installing the App, creating an account, or using any feature of the Platform, you ("you", "your", "User") agree to be bound by these Terms, our Privacy Policy, and any guidelines or additional terms applicable to specific features. If you do not agree, do not use the Platform.

These Terms constitute a legally binding agreement between you and StopTap. They are an electronic record under the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and do not require any physical or digital signature.

2. Eligibility

You may use the Platform only if:

1. you are at least eighteen (18) years of age;
2. you are competent to enter into a contract under the Indian Contract Act, 1872;
3. you are an Indian resident with a mobile phone number issued by an Indian telecom operator;
4. you have not been previously suspended or removed from the Platform;
5. you are accessing the Platform for personal, non-commercial use.

By creating an account, you represent and warrant that you meet all of the above. You are responsible for ensuring that your use of the Platform complies with all laws applicable to you.

3. The StopTap service

3.1. What StopTap does

StopTap is a mobile application that:

1. reads transactional SMS messages on your device, with your permission, to detect recurring auto-debit mandates registered against your bank accounts (including UPI AutoPay, NACH e-mandates, credit-card e-mandates, and standing instructions);
2. displays a consolidated view of these mandates within the App;
3. sends you alerts about new mandates, upcoming debits, free trial expiries, and unusual debit activity;
4. provides a one-tap deep-link into the UPI app via which a mandate was registered, to assist you in cancelling that mandate.

3.2. What StopTap is not

1. StopTap is not a bank, NBFC, payment system operator, payment aggregator, or financial intermediary. We do not hold your money, process payments, issue credit, or provide investment advice.
2. StopTap does not have the authority to cancel any mandate on your behalf. When you choose to cancel a mandate, we deep-link you into your UPI app (PhonePe, Google Pay, Paytm, BHIM, or similar) where you must complete the cancellation yourself.
3. StopTap is not affiliated with any UPI app, bank, NPCI, or merchant mentioned within the App. References to such third parties (including their names and brand colours) are descriptive only.
4. StopTap does not provide tax, legal, or financial advice. Information shown in the App is for your awareness only.

3.3. Future scope

We may, in future versions of the Platform, expand functionality to include detection of mandates from email statements, credit-card transactions, or other sources. Any such expansion will be activated only with your fresh, separate consent, and will be governed by an updated version of these Terms and the Privacy Policy.

4. Account creation, authentication, and security

4.1. Sign-up

You can create an account by providing your mobile number and verifying it via one-time password (OTP), or by signing in with Truecaller. By doing so, you authorise us to verify your phone number with our SMS service provider; and where you choose Truecaller, receive your phone number and name from Truecaller's OAuth service in accordance with their terms.

4.2. SMS read permission

To deliver core functionality, the App requests permission to read transactional SMS messages on your device. All parsing happens on your device. The raw text of any SMS message is never transmitted to our servers. Only the structured metadata extracted from the SMS (merchant name, amount, mandate identifier, and similar fields) is transmitted, and only as described in the Privacy Policy.

4.3. One account per user

You may hold only one account on the Platform. You may add up to a reasonable number of phone numbers to your single account, subject to limits we may set from time to time. Creating multiple accounts to circumvent restrictions or rate-limits is a material breach of these Terms.

4.4. Your responsibility for the account

You are responsible for:

1. keeping your registered phone number active and accessible to receive OTPs;
2. safeguarding the device on which the App is installed, including using a screen-lock or biometric;
3. immediately notifying us at hello@stoptap.in if you believe your account has been accessed by an unauthorised person.

We are not liable for any loss arising from your failure to keep your phone or account credentials secure.

5. Best-effort detection — important disclaimer

5.1. Detection accuracy

StopTap's mandate-detection engine works by parsing transactional SMS messages from banks and payment systems. While we apply diligent effort to keep our parsing accurate and up-to-date, we cannot guarantee that the App will detect every mandate registered against your bank account, or that the information shown in the App is complete, accurate, or current.

1. Mandates registered before you installed the App may not be visible if the corresponding registration SMS has been deleted from your device, was sent in a non-standard format, or originated from a sender we have not yet integrated.
2. Banks and payment systems periodically change SMS formats; until our parsing engine is updated for a new format, mandates affected by that change may be missed or shown with incomplete information.
3. Mandate cancellation processes happen at the bank or UPI app level and are subject to those parties' workflows. The App may take time to reflect a cancellation, depending on whether and when a confirmation SMS is received on your device.
4. The App's classification of a mandate as "active", "trial", "possibly inactive", or "cancelled" is an inference based on observed SMS patterns; it is not a record of your bank's official records.

5.2. You remain responsible

You are solely responsible for monitoring your own bank account, reviewing your bank statements, and verifying with your bank or UPI app whether any mandate is active, valid, or cancelled. StopTap is a convenience tool to assist you in this responsibility; it is not a substitute for it.

5.3. The "Non-debit ≠ Cancellation" rule

A mandate that has not debited your account in a long time is not necessarily cancelled. Banks may continue to retry failed debits for up to thirty (30) days or longer. A mandate is cancelled only when explicit confirmation has been received from the bank, payment system, or merchant. The App will mark a mandate as "cancelled" only when such confirmation is detected; until then, the mandate remains "active" or "possibly inactive".

6. Acceptable use

You agree not to:

1. use the Platform for any unlawful purpose, or in any way that violates Indian law;
2. attempt to access another User's account, data, or device;
3. reverse-engineer, decompile, disassemble, modify, or create derivative works of the App, except as expressly permitted by Indian law;
4. use any automated means (bot, scraper, crawler) to access, copy, or extract data from the Platform;
5. interfere with, disrupt, overload, or impair the operation of the Platform or our servers;
6. bypass any rate-limit, security feature, or access control we have implemented;
7. impersonate any other person, or misrepresent your identity, age, or affiliation;
8. use the Platform to send unsolicited communications or to engage in fraud, identity theft, or any deceptive practice;
9. upload or transmit any content that is unlawful, obscene, defamatory, infringing, or that violates the rights of any third party;
10. use the Platform in any manner that would breach the Privacy Policy, applicable laws, or these Terms.

We reserve the right to investigate and take appropriate action — including suspension or termination of your account, removal of content, and reporting to law-enforcement authorities — for any violation.

7. Intellectual property

7.1. Our intellectual property

The Platform, including the App, the Website, and all content, code, design, graphics, logos, text, trademarks, and trade secrets (collectively, "StopTap IP"), is owned by Value Garage Private Limited and is protected under Indian and international intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the App on a personal mobile device that you own or control, solely for the purposes contemplated by these Terms. All rights not expressly granted are reserved.

7.2. Third-party trademarks

The names, logos, and brand colours of UPI apps, banks, merchants, and payment systems referenced in the Platform are the property of their respective owners and are used for descriptive identification only. Their inclusion does not imply any endorsement, affiliation, or partnership with StopTap.

7.3. Your content

If you provide us with feedback, ideas, or suggestions ("Feedback"), you grant us a worldwide, royalty-free, perpetual, irrevocable licence to use, reproduce, modify, and incorporate the Feedback into our products and services, without obligation to you.

8. Privacy

Your use of the Platform is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please read it carefully to understand how we collect, use, and protect your personal data, and your rights under the Digital Personal Data Protection Act, 2023.

9. Disclaimers

9.1. As-is

The Platform is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, to the maximum extent permitted by Indian law. Without limiting the foregoing, we do not warrant that:

1. the Platform will be uninterrupted, error-free, or secure;
2. defects in the Platform will be corrected;
3. the Platform or the servers that make it available are free of viruses or harmful components;
4. the information shown in the Platform is accurate, complete, current, or fit for any particular purpose.

9.2. No financial advice

Nothing on the Platform constitutes financial, investment, legal, or tax advice. You should consult qualified professionals for advice specific to your circumstances.

9.3. Third-party services

The Platform may deep-link to third-party apps and services (such as UPI apps). We are not responsible for the content, functionality, accuracy, or privacy practices of those third-party services. Your use of those services is governed solely by their own terms and policies.

10. Limitation of liability

10.1. Cap on liability

To the maximum extent permitted by Indian law, the total aggregate liability of StopTap, its directors, officers, employees, agents, and affiliates, arising out of or relating to the Platform or these Terms, whether in contract, tort, negligence, statute, or any other theory, is limited to the higher of:

1. the total amount of fees, if any, paid by you to StopTap in the twelve (12) months preceding the event giving rise to the claim; and
2. Indian Rupees One Thousand (₹1,000) only.

You acknowledge that the App is provided to you free of charge, and that this cap is therefore commercially reasonable.

10.2. Excluded damages

In no event will StopTap be liable for any:

1. indirect, incidental, special, consequential, exemplary, or punitive damages;
2. loss of profits, revenue, business opportunity, goodwill, or anticipated savings;
3. loss of money debited from your bank account because a mandate was not detected, was misclassified, or was not cancelled in time, except to the extent caused by our gross negligence or wilful misconduct;
4. loss caused by your failure to verify mandate status with your bank or UPI app, as required by section 5;
5. loss caused by the action or inaction of any third party, including your bank, UPI app, merchant, or payment system.

10.3. Statutory rights preserved

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Indian law (including liability for fraud or wilful misconduct).

11. Indemnification

You agree to indemnify, defend, and hold harmless StopTap, its directors, officers, employees, agents, and affiliates from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

1. your breach of these Terms or the Privacy Policy;
2. your violation of any law or the rights of any third party;
3. any content or information you provide to us;
4. your use of the Platform in a manner not authorised by these Terms.

12. Termination

12.1. Termination by you

You may stop using the Platform and delete your account at any time:

• In-app: Settings → Account → Delete account.
• By email: writing to hello@stoptap.in or suraj@stoptap.in.

Account deletion is final and will result in the removal of your data in accordance with our Privacy Policy.

12.2. Termination by us

We may suspend or terminate your account, with or without notice, if:

1. you breach these Terms or any applicable law;
2. we are required to do so by an order of any court, regulator, or government authority;
3. we determine that your continued use poses a security or fraud risk;
4. we discontinue the Platform, in whole or in part, for business or technical reasons.

12.3. Effect of termination

On termination, your right to access and use the Platform ceases immediately, you must uninstall the App, and provisions which by their nature should survive termination — including sections 5, 7, 9, 10, 11, 14, and 15 — will continue in force.

13. Grievance redressal

We will acknowledge your grievance within forty-eight (48) hours and resolve it within fifteen (15) days of receipt. If you are not satisfied with the resolution, you may escalate to the Data Protection Board of India established under the DPDPA.

14. Governing law and dispute resolution

14.1. Governing law

These Terms are governed by and construed in accordance with the laws of India.

14.2. Dispute resolution

1. Step 1 — Good-faith discussion. The parties shall first attempt to resolve the Dispute through good-faith discussion. Either party may initiate this by written notice to the other.
2. Step 2 — Arbitration. If the Dispute is not resolved within thirty (30) days of the notice, the Dispute shall be referred to and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted by a sole arbitrator appointed by mutual consent (or, failing agreement, in accordance with the Act). The seat and venue of arbitration shall be Delhi, India, the language shall be English, and the award shall be final and binding on both parties.

14.3. Jurisdiction

Subject to clause 14.2, the courts of Delhi, India shall have exclusive jurisdiction over any matter arising out of or in connection with these Terms.

15. Miscellaneous

15.1. Entire agreement

These Terms, together with the Privacy Policy and any policy or guideline expressly referenced, constitute the entire agreement between you and StopTap concerning the Platform and supersede all prior agreements and understandings.

15.2. Amendments

We may amend these Terms from time to time. The "Effective date" at the top will reflect the latest version. We will notify you of material changes by an in-app banner shown on next launch; for material changes, at least fifteen (15) days before they take effect; and by re-prompting consent where required by law.

15.3. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force, and the invalid provision will be deemed modified to the minimum extent necessary to make it valid and enforceable.

15.4. No waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other.

15.5. Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms to any affiliate, or to a successor in connection with a merger, acquisition, financing, or sale of assets, on notice to you.

15.6. Force majeure

Neither party will be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, government action, war, terrorism, riot, civil unrest, pandemic, telecommunications or internet failures, cyber-attacks, or third-party service failures.

15.7. Relationship

Nothing in these Terms creates any partnership, joint venture, agency, employment, or fiduciary relationship between you and StopTap.

15.8. Notices

Notices to StopTap should be sent to hello@stoptap.in or to our registered address. Notices to you may be sent to your registered email address, mobile number, or via in-app notification.

15.9. Language

These Terms are drafted in the English language. If we provide a translation in any other language, the English version will prevail in case of any conflict.

16. Contact us

• General queries: hello@stoptap.in
• Grievance Officer: Suraj Agarwalla, Director and Co-founder — suraj@stoptap.in (with nevaid@stoptap.in on copy), or call +91 98672 70000
• Postal: Value Garage Private Limited, Flat no. 26, Vandana Apartments, Plot no. 42, IP Extension, Delhi 110092, India.

By using the StopTap Platform, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy.