Effective Date: 3 September 2026

Welcome to UpiLinks, operated by CodeIXE AI Solutions, a proprietorship based in Mangalore, Karnataka, India.

These Terms and Conditions (“Terms”, “Terms of Service”, or “Agreement”) govern your access to and use of upilinks.in, blog.upilinks.in, and the services, features, webpages, tools, links, QR-code generators, invoice generators, payment-request tools, and related functionality made available through them (collectively, the “Service”).

By accessing, visiting, or using the Service, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree with these Terms, you must not use the Service.

1. About UpiLinks

UpiLinks is a technology service that allows users to create and manage certain UPI-related digital content, including:

UPI payment links.
UPI QR codes.
Payment-request links.
Invoices and payment-related documents.
Other related digital tools and functionality.

UpiLinks does not itself process, authorize, settle, hold, receive, transfer, or custody funds in connection with a UPI transaction.

UpiLinks primarily generates digital information, links, QR codes, and related content based on information supplied by the user.

The actual payment transaction, if any, takes place through the relevant UPI application, bank, payment service provider, or other participant in the applicable payment ecosystem.

2. No Payment Processing by UpiLinks

UPILINKS IS NOT A BANK, PAYMENT GATEWAY, PAYMENT AGGREGATOR, PAYMENT SYSTEM OPERATOR, PSP BANK, UPI APPLICATION, OR FINANCIAL INSTITUTION.

UpiLinks does not:

Hold customer funds.
Receive customer funds.
Transfer customer funds.
Settle transactions.
Authorize transactions.
Approve or reject transactions.
Control a user’s bank account.
Control a user’s UPI application.
Control the UPI transaction network.
Guarantee completion of any transaction.
Guarantee that a payment recipient will receive money.
Provide banking services.

When a user follows a UpiLinks payment link or scans a generated QR code, the user may be redirected to or invoke a compatible UPI application or payment interface.

The subsequent transaction is outside the control of UpiLinks.

3. No Affiliation With NPCI

UpiLinks is independently operated by CodeIXE AI Solutions and is not affiliated with, sponsored by, endorsed by, authorized by, or otherwise associated with the National Payments Corporation of India (“NPCI”), except where a specific written arrangement or authorization expressly states otherwise.

The terms UPI, Unified Payments Interface, and other related marks, names, logos, or intellectual property may belong to their respective owners.

Nothing on UpiLinks should be interpreted as representing that UpiLinks is an NPCI-operated or NPCI-authorized website or application.

UPI is an infrastructure and payment system operated within the Indian banking and payment ecosystem.

4. No Banking or Financial Advice

The Service is a technology tool and does not provide:

Banking services.
Financial services.
Investment advice.
Payment advice.
Financial planning.
Tax advice.
Legal advice.
Fraud investigation services.
Banking dispute resolution.

Nothing on UpiLinks should be considered professional financial, legal, tax, investment, or banking advice.

You are responsible for obtaining professional advice where appropriate.

5. User-Provided Information

To generate links, QR codes, invoices, payment requests, or other content, you may provide information such as:

Name.
UPI ID.
Payment amount.
Payment description.
Invoice information.
Payment-request information.
URLs.
Email address.
Other information required by the relevant feature.

You are solely responsible for ensuring that the information you provide is:

Accurate.
Complete.
Current.
Lawful.
Authorized for use.
Not misleading.

UpiLinks generally generates content based on the information supplied by you.

We do not independently verify the ownership, identity, authenticity, legitimacy, or accuracy of every UPI ID, recipient, merchant, person, business, invoice, payment request, or other information entered by a user.

6. Critical Payment Safety Warning

VERIFY BEFORE YOU PAY

Before making any payment through a UpiLinks-generated link or QR code, you must independently verify:

Who sent the link.
Who will receive the payment.
The displayed recipient name.
The UPI ID.
The payment amount.
The purpose of the payment.
That you trust the recipient.
That the payment request is genuine.

Do not make a payment merely because someone sent you a UpiLinks link or QR code.

If you do not know or trust the person or business requesting payment, do not make the payment.

A payment link or QR code does not prove that the person requesting payment is legitimate.

You should carefully verify the recipient and transaction details before authorizing a payment.

NPCI similarly advises users to be vigilant regarding fake payment links, QR codes, online scams, and deceptive requests.

7. UpiLinks Is Not Responsible for the Underlying Transaction

To the maximum extent permitted by applicable law, UpiLinks and CodeIXE AI Solutions shall not be responsible or liable for any loss, damage, claim, liability, cost, expense, or consequence arising from or relating to an underlying payment transaction initiated using a UpiLinks-generated link or QR code.

This includes, without limitation:

Fraudulent payments.
Unauthorized payments.
Payments made to the wrong person.
Payments made to the wrong UPI ID.
Incorrect UPI IDs entered by users.
Incorrect payment amounts.
Duplicate payments.
Failed transactions.
Pending transactions.
Reversed transactions.
Delayed transactions.
Bank-side errors.
UPI application errors.
PSP errors.
Beneficiary-bank issues.
Payer-bank issues.
Recipient disputes.
Merchant disputes.
Goods or services not delivered by a recipient.
Refund disputes.
Charge or payment disputes.
Scams.
Phishing.
Social engineering.
Misrepresentation by a person sharing a payment link.
Misuse of a QR code.
Misuse of a payment request.
Loss resulting from relying on information supplied by another user.

UpiLinks does not control the actual transfer of money.

Accordingly, disputes concerning an actual UPI transaction should generally be addressed to the relevant UPI application, bank, payment service provider, or other applicable financial institution.

NPCI’s complaint guidance similarly directs users regarding fraudulent, unidentified, or unauthorized transactions to raise the matter with their respective bank for redressal.

8. No Guarantee of Payment

UpiLinks does not guarantee that any payment initiated through a generated link or QR code will:

Be successfully initiated.
Be authorized.
Be processed.
Be completed.
Reach the intended recipient.
Be credited to the intended account.
Be completed within any particular period.

Transaction processing depends on external systems and participants, including banks, UPI applications, PSPs, network infrastructure, telecommunications providers, and other third parties.

9. Incorrect Information

If you enter an incorrect:

UPI ID.
Amount.
Name.
Invoice detail.
Payment description.
Recipient detail.
Other transaction information,

the resulting link, QR code, invoice, or payment request may contain incorrect information.

You are responsible for reviewing all information before sharing or using generated content.

UpiLinks does not guarantee that information entered by users is correct.

10. Recipient Responsibility

A person or business receiving a UpiLinks-generated payment link is responsible for ensuring that:

The UPI ID belongs to them or is authorized for their use.
They are legally entitled to receive the payment.
The information provided is accurate.
The requested payment is legitimate.
Their use of the Service complies with applicable law.

You must not impersonate another person or business or create a payment request intended to deceive another person.

11. Payer Responsibility

A person making a payment through a UpiLinks-generated link or QR code is responsible for independently verifying the transaction.

You should never assume that UpiLinks has verified the recipient.

You should never provide your:

UPI PIN.
Banking password.
OTP.
Debit-card PIN.
Internet-banking credentials.
Account password.

to UpiLinks or to a person merely because they provided a UpiLinks link.

UpiLinks does not require your UPI PIN to generate a payment link or QR code.

12. UPI Application and Bank Responsibility

Once a user initiates a payment through a compatible UPI application or banking service, the applicable third-party terms and conditions may apply.

The relevant bank, UPI application, PSP, or financial institution is responsible for its own:

Authentication.
Transaction authorization.
Banking services.
Transaction processing.
Transaction records.
Payment confirmation.
Refund mechanisms.
Dispute mechanisms.
Fraud handling.

UpiLinks has no control over these third-party systems.

13. No Custody of Funds

UpiLinks does not hold, custody, pool, escrow, transmit, or settle user funds.

Money does not pass through a UpiLinks account or UpiLinks wallet merely because a UpiLinks payment link or QR code was generated.

The financial transaction occurs through the applicable UPI and banking infrastructure.

14. Generated Content

UpiLinks may generate:

Payment links.
QR codes.
Invoice pages.
Payment request pages.
Other digital content.

Generated content is produced based substantially on information submitted by the user.

UpiLinks does not guarantee that generated content is suitable for every purpose.

You should review generated content before sharing it.

15. Public and Shareable Links

A generated payment link or QR code may be shared with other people.

If you share a payment link publicly, information contained within or associated with that link may become accessible to people who receive or discover it.

You are responsible for considering what information you include in publicly shareable content.

Do not include unnecessary confidential or sensitive information.

16. Account Services

Certain features may allow you to create an account.

An account may allow you to manage eligible:

Payment links.
UPI IDs.
Invoices.
Payment requests.
Other generated content.

You are responsible for maintaining the confidentiality of your account credentials.

You must immediately notify us if you believe your account has been compromised.

17. Guest Users

Certain features may be available without registration.

Guest-generated content may not provide the same management capabilities available to registered users.

We recommend creating an account if you require ongoing access to and management of your generated content.

Where appropriate, guest users may contact:

[email protected]

for account or content-related assistance.

18. Data and Privacy

Your use of the Service is also subject to our Privacy Policy.

Our Privacy Policy explains:

What personal data we collect.
Why we process it.
How we use it.
Cookies and analytics.
Third-party services.
Data retention.
User rights.
Security practices.
International processing.
How to contact us.

The Privacy Policy forms part of these Terms.

19. Prohibited Uses

You must not use UpiLinks to:

Commit fraud.
Facilitate scams.
Conduct unlawful financial activity.
Impersonate another person or organization.
Create deceptive payment requests.
Distribute phishing links.
Facilitate money laundering.
Facilitate terrorist financing.
Facilitate unlawful gambling.
Sell unlawful goods or services.
Facilitate unauthorized transactions.
Collect personal data unlawfully.
Harass or threaten another person.
Distribute malware.
Distribute malicious links.
Circumvent security controls.
Attack or interfere with the Service.
Reverse engineer the Service except where permitted by applicable law.
Scrape the Service in a manner that causes unreasonable load.
Abuse APIs or automated systems.
Attempt unauthorized access.
Upload malicious code.
Use the Service to violate applicable law.

We may suspend, restrict, or terminate access where we reasonably believe the Service is being misused.

20. Fraud, Abuse and Security

We may take reasonable measures to detect, prevent, investigate, and respond to:

Fraud.
Abuse.
Security incidents.
Suspicious activity.
Unauthorized access.
Malicious activity.
Illegal activity.

We may block, suspend, delete, or restrict links, accounts, content, IP addresses, or other activity where reasonably necessary to protect users, the Service, or third parties.

21. Content Removal

We reserve the right, to the extent permitted by applicable law, to remove, disable, restrict, or suspend access to content or links that we reasonably believe:

Violate these Terms.
Violate applicable law.
Facilitate fraud.
Facilitate scams.
Create security risks.
Infringe intellectual-property rights.
Harm the Service.
Harm other users.
Are abusive or malicious.

We may act without prior notice where immediate action is reasonably necessary for security, fraud prevention, legal compliance, or protection of users.

22. Intellectual Property

The Service, including its software, design, interface, branding, logos, text, graphics, code, functionality, and other original materials, is owned by or licensed to CodeIXE AI Solutions unless otherwise stated.

You may not reproduce, modify, distribute, sell, sublicense, reverse engineer, or commercially exploit our proprietary materials without appropriate authorization, except where permitted by applicable law.

User-provided information remains subject to the rights and permissions applicable to that information.

23. Third-Party Services

The Service may rely on or interact with third-party services, including:

Cloudflare.
Google services.
Google Analytics.
Google Tag Manager.
Google Ads.
WordPress and WordPress plugins.
UPI applications.
Banks.
Payment service providers.
Internet service providers.
Hosting and infrastructure providers.

Third-party services are outside our control.

We do not guarantee the availability, accuracy, security, or performance of third-party services.

Your use of a third-party service may be governed by that provider’s own terms and privacy policy.

24. External Links

The Service may contain links to websites or services operated by third parties.

We are not responsible for:

Third-party websites.
Third-party content.
Third-party privacy practices.
Third-party security.
Third-party products.
Third-party transactions.

You access third-party websites at your own risk.

25. Availability of the Service

We aim to keep UpiLinks available and functional, but we do not guarantee uninterrupted availability.

The Service may become temporarily unavailable due to:

Maintenance.
Upgrades.
Infrastructure failures.
Hosting failures.
Network failures.
Cybersecurity incidents.
Third-party service failures.
Force majeure events.
Government actions.
Technical issues.

We may modify, suspend, or discontinue any feature at any time, subject to applicable law.

26. No Warranty

To the maximum extent permitted by applicable law, the Service is provided on an “as is” and “as available” basis.

We do not warrant that:

The Service will always be available.
The Service will be error-free.
Generated links will always function.
QR codes will always function.
Third-party applications will support every generated link.
Generated information will always be accurate.
The Service will meet every user’s requirements.
The Service will be free from security vulnerabilities.
Any payment transaction will succeed.

27. Limitation of Liability

To the maximum extent permitted by applicable law, CodeIXE AI Solutions, its proprietor, employees, contractors, service providers, affiliates, and representatives shall not be liable for indirect, incidental, special, consequential, exemplary, punitive, or similar damages arising from or relating to:

Your use of the Service.
Your inability to use the Service.
A UPI transaction.
A failed payment.
A fraudulent payment.
An unauthorized payment.
A payment to an incorrect recipient.
Incorrect UPI information.
Incorrect payment information.
A recipient’s conduct.
A payer’s conduct.
A bank’s conduct.
A UPI application’s conduct.
A payment service provider’s conduct.
Third-party service failures.
Loss of data.
Loss of profits.
Loss of revenue.
Loss of business opportunities.
Loss arising from scams or fraud.
Security incidents beyond our reasonable control.
Unauthorized access resulting from compromised user credentials.

Where liability cannot legally be excluded, it shall be limited to the maximum extent permitted by applicable law.

Nothing in these Terms is intended to exclude liability that cannot lawfully be excluded or restricted under applicable law.

28. User Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless CodeIXE AI Solutions, its proprietor, employees, contractors, service providers, and representatives from claims, losses, liabilities, damages, costs, and expenses arising from:

Your violation of these Terms.
Your unlawful use of the Service.
Information you submit.
Your misuse of a payment link or QR code.
Fraud committed through your account or content.
Your violation of another person’s rights.
Your violation of applicable law.
Your use of the Service to facilitate unauthorized activity.
Disputes between you and another user.
Transactions initiated by you or involving your generated content.

This provision applies to the maximum extent permitted by applicable law.

29. No Responsibility for User-to-User Transactions

UpiLinks may allow one person to create payment-related content that is shared with another person.

We are not a party to the underlying transaction between those persons.

Any dispute concerning:

Whether money was owed.
Whether goods were delivered.
Whether services were provided.
Whether a payment was authorized.
Whether a refund is due.
Whether a person is legitimate.
Whether an invoice is genuine,

is primarily a matter between the relevant parties and, where applicable, their bank, UPI application, payment provider, or competent authority.

UpiLinks does not guarantee the conduct, identity, legitimacy, solvency, or reliability of any user.

30. Refunds

Because UpiLinks does not itself receive or process the underlying UPI payment, UpiLinks does not provide refunds for UPI transactions initiated between users.

If a payment was made incorrectly or fraudulently, you should promptly contact your bank and the relevant UPI application or payment provider and follow their applicable dispute process.

NPCI provides mechanisms for users to raise transaction-related complaints through the relevant member bank or institution.

31. Intellectual Property Complaints

If you believe that content available through UpiLinks infringes your intellectual-property rights, you may contact us at:

[email protected]

Please provide sufficient information for us to understand the complaint and identify the relevant content.

32. Legal Compliance

You agree to use the Service in compliance with all applicable laws and regulations.

This includes applicable laws relating to:

Payments.
Fraud.
Cybersecurity.
Data protection.
Consumer protection.
Intellectual property.
Taxation.
Advertising.
Communications.
Financial crimes.
Online content.

33. Government and Law-Enforcement Requests

We may cooperate with lawful requests from:

Courts.
Government authorities.
Law-enforcement agencies.
Regulators.
Other competent authorities.

We may disclose information where required or permitted by applicable law.

34. Suspension and Termination

We may suspend or terminate your access to the Service where:

You violate these Terms.
You engage in fraudulent activity.
You engage in unlawful activity.
Your account creates a security risk.
Your use harms other users.
Your use threatens the integrity of the Service.
We are required to do so by law.
We discontinue the relevant Service.

You may stop using the Service at any time.

Termination does not eliminate obligations that by their nature should survive termination, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, disputes, and applicable legal obligations.

35. Changes to the Service

We may modify, add, remove, or discontinue features of UpiLinks at any time.

We may also modify these Terms when reasonably necessary to reflect:

Changes to the Service.
Changes in law.
Changes in technology.
Security requirements.
Regulatory requirements.
Business requirements.

The updated Terms will be published with an updated effective date.

Continued use of the Service after updated Terms become effective constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

36. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, disputes arising out of or relating to these Terms or the Service shall be subject to the jurisdiction of the competent courts in Karnataka, India.

Nothing in this section limits any mandatory consumer or statutory rights that cannot legally be excluded.

37. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable, where legally permitted.

The remaining provisions shall continue in full force and effect.

38. No Waiver

Failure by us to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision later.

39. Entire Agreement

These Terms, together with the Privacy Policy and any other policies expressly incorporated into them, constitute the agreement governing your use of the Service, subject to any separate written agreement that may apply.

40. Contact Us

For questions regarding these Terms, the Service, abuse reports, legal notices, or other concerns, contact:

CodeIXE AI Solutions
Mangalore, Karnataka, India

Email: [email protected]

Website: UpiLinks

Effective Date: 3 September 2026

IMPORTANT PAYMENT DISCLAIMER

BEFORE YOU PAY, VERIFY THE RECIPIENT

UpiLinks only generates a UPI payment link or QR code using information supplied by a user. UpiLinks does not receive, hold, process, authorize, or settle the payment.

Before making any payment, verify the recipient’s identity, UPI ID, name, amount, and purpose of payment. Only make a payment if you trust the person or business requesting it.

UpiLinks is not responsible for losses resulting from fraudulent links, fraudulent QR codes, incorrect UPI IDs, incorrect recipients, scams, unauthorized payments, mistaken payments, or any other transaction-related loss, to the maximum extent permitted by applicable law.

UpiLinks is independently operated by CodeIXE AI Solutions and is not affiliated with, sponsored by, endorsed by, or operated by NPCI.

For an actual UPI transaction, contact your relevant bank, UPI application, payment service provider, or other applicable financial institution for transaction-related assistance.