Terms and Conditions of use

These Terms and Conditions constitute an electronic record in terms of the Information Technology Act, 2000 and rules made there under. This electronic record is generated by a computer system and does not require any physical or digital signatures.

  1. Your use of this Website is subject to the following Terms and Conditions of Use along with the Privacy Policy and all other policies listed on the Website under various captions and headings. The terms contained herein as well as those stated under various headings on the Website, form an agreement regulating your relationshipwith Mobox Labs Limited (‘Mobox’) with regard to the use of its services, by you. By accessing, viewing, browsing, caching, storing, downloading and / or otherwise using our Website and / or the Cinqo Wallet mobile application and / or mobile website and / or any other web platform and / or any of our services, applications, contents, functions through whatever platform (hereafter collectively referred to as the "Website"), you acknowledge and agree to have read, understood and agreed to the terms and conditions set out below (including the Privacy Policy) and agree to be bound by them with all applicable laws and regulations.
  2. Please read these Terms and Conditions of Use carefully and ensure that you understand them before you start using this Website. If you are not agreeable to any of these Terms and Conditions of Use, please do not use this Website. These Terms and Conditions of Use are subject to change and Mobox may, without prior notice to you and at any time, revise them and any other information contained in this website by updating these Terms and Conditions of Use. Please note that the restated Terms and Conditions of Use shall be effective immediately upon posting. Mobox may also make improvements or changes in the services provided by it as described in this Website at any time without notice. Therefore, you are advised to regularly check for any amendments or updates to these Terms and Conditions of Use. If the changes are not agreeable to you, you must stopusing the Website. Your continuous use of this Website will signify your acceptance of the changed terms.
  3. Except where additional terms and conditions are provided, these Terms and Conditions of Use supersede all previous representations, understandings or agreements and shall prevail notwithstanding any variance with any other terms of any order placed or service provided by Mobox.
  4. These pages, the content and infrastructure of these pages, and the online digital prepaid wallet services provided on these pages and through the website (the "service(s)") are owned, operated and provided by www.cinqo.in.
  • Use of this Website is available only to citizens of India who can enter into legally binding contracts under the applicable law. Persons who are 'incompetent to contract' within the meaning of the Indian Contract Act, 1872 are not eligible to use this Website. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the www.cinqo.com Website.
  1. Applicable Law” means all laws, brought into force and effect by the Government of India and / or the Government of Maharashtra and / or the Reserve Bank of India and / or any other competent authority including statutes, by – laws, rules, regulations, orders, ordinances, protocols, codes, guidelines, policies, notifications, directions made there under and judgments, decrees, injunctions, writs, awards and orders of any judicial and / or quasi – judicial authority and / or any court of record, as may be in force and effect as applicable.
  2. Beneficiary” or “you” means and includes the employee(es) of the User who has signed up for the Cinqo Wallet.
  3. “Cinqo Wallet” means the semi – closed pre-paid instrument issued by Mobox to the User / Beneficiary and / or all other instruments added therein in accordance with the Applicable Law(s) as and by way of online meal vouchers.
  4. Merchant” or “you” means and includes all food joints / entities / restaurants who accept payment by the Cinqo Wallet.
  5. User” or “you” means and includes the companies / entities who have purchased the Cinqo Wallet to distribute to their respective employees.
  6. Website” means and includes this website, the Cinqo Wallet mobile application, mobile site and any and all other web platforms.
  1. Mobox grants you non-exclusive and non-transferable, limited permission to access and display the web pages within this Website on your personal computer or your mobile or any other digital platform. Your failure to comply with the terms, conditions and notices on this Website and / or violation of any rules, regulations, laws, guidelines will result in the automatic termination of any rights granted to you, without prior notice.
  2. Except for the limited permission in the preceding paragraph, Mobox does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights or other proprietary or intellectual property rights. You may not mirror any of the content from this Website on another website or in any other media.
  1. Mobox serves as a digital platform that offers an efficient, reliable and convenient mechanism for co-branded digital prepaid instruments in the form of Mobile Wallets and Expense cards issued by DCB Bank in collaboration with Mobox. Mobox markets, distributes and sells the prepaid instruments by and under the brand name Cinqo either directly and / or through its associates etc. For convenience, the mobile wallet and physical cards are hereinafter collectively referred to as ‘Cinqo Wallet’. Note: I have included necessary restrictions which are applicable from the Master Circular of the RBI in relation to PPIs. However if there is any particular restrictions imposed by DCB Bank in the license agreement, please do let me know. The same will have to be included.
  2. The Cinqo Wallet refers to the semi – closed prepaid instruments issued by DCB Bank under the authorisation, rules and regulations issued by Reserve Bank of India.
  • Mobox has taken every precaution in the preparation of the content of this Website, in particular to ensure that rates quoted are correct at the time of publishing and all details have been accurately described. To the extent permitted by Applicable Law, Mobox disclaims all warranties, express or implied, as to the accuracy of the information contained on this Website. You understand and agree that Mobox shall not be liable for any typographical or technical errors on the Website.
  1. Any eligible user may register with Mobox for the Cinqo Wallet for prepaid instrument(s) for a maximum amount of Rs. 10,000/- to.
  2. The maximum validity of any prepaid instrument shall be 3 (three) years from the date of issue and cash withdrawals shall not be permitted.
  3. The User may reload the Wallet, if it so desires. Reloads, if any, in any given month cannot exceed the total value of Rs. 10,000/-.
  4. Mobox is entitled to request for such details and documents as it deems necessary from the Users, during and anytime after purchase / download / activation of the Cinqo Wallet.
  5. The loading and reloading, if any, of the monies in the Cinqo Wallet shall be the responsibility of Mobox  and while Mobox will make all efforts to ensure timely and swift loading / reloading, Mobox is not responsible for any delay of the same from the Bank as the money will be loaded only once the same is received by the Bank.
  6. Once the Cinqo Wallet is loaded / reloaded to a Beneficiary’s account, the monies in same cannot be transferred to any other account / person.
  7. On addition of funds to the Cinqo Wallet, the Cinqo Wallet shall be deemed to be loaded / reloaded and the transaction successful. The same cannot be cancelled and / or refunded. Such addition shall be made by the DCB Bank only once the funds are credited to its account by the User.
  8. The details provided to us must be correct and complete and in any event of any changes to the information provided when registering, Mobox must be informed immediately.
  9. Once a payment is made using the Cinqo Wallet, the same is final and non–refundable and cannot be cancelled. However, an option of cancellation shall be provided to the User / Beneficiary before the payment is made.
  10. You understand and accept that the Cinqo Wallet and cash card are for self consumption of the Beneficiaries to be used only for food and non – alcoholic beverages. They can neither be exchanged nor refunded for cash, in any manner whatsoever.
  11. The expiration date of each CInqo Wallet shall be subscribed on the Wallet itself. The amount must be utilised before the Wallet expires. On the expiration, any and all amounts remaining in the Wallet shall stand forfeited. Mobox however shall provide advance written intimation 7 (seven) days prior to the expiration, to the User and Beneficiary.
  12. Notwithstanding anything contained herein, Mobox shall in no way be responsible for any quality of product, damages, losses, expenses and/or taxes incurred by Users for the goods or services or if the Merchant is not able to service the order of the User for any reason or any misrepresentation of any sort by the sellers. In no event shall Mobox, its directors, officials, representatives and employees be liable for any damages or claims relating to the said products and / or services. Any transaction(s), whether for future or present deliverables shall be governed by the terms and conditions of the sellers and any such payment shall be made by Mobox on the instructions of the User / Beneficiary. Mobox shall not be in any manner liable in event of failure of the transaction(s).
  1. While using this Website, you acknowledge that you fully assume the risks of the transaction and you further fully assume the risks of liability or harm of any kind in connection with subsequent activity of any kind relating to prepaid instruments that is the subject of the transaction(s).
  • You shall not host, display, upload, modify, publish, transmit, update or share any information or comment or data, photograph, image, symbol, representation, etc. which:
  1. belongs to another person and to which you do not have any right to.
  2. is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
  3. is misleading in any way. 
  4. is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, paedophilia, racism, bigotry, hatred or physical harm of any kind against any groupor individual; 
  5. harasses or advocates harassment of another person;
  6. involves the transmission of "junk mail," "chain letters," or unsolicited mass mailing or "spamming"; 
  7. promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libellous;
  8. infringes upon or violates any third party's rights [(including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number) or rights of publicity];
  9. contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page);
  10. provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
  11. provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
  12. contains video, photographs, or images of another person age 18 or older without his or her express written consent and permission or those of any minor (regardless of whether you have consent from the minor or his or her legal guardian).
  13. tries to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles, blogs, communities, account information, bulletins, friend request, or other areas of the Website or solicits passwords or personal identifying information for commercial or unlawful purposes from other users;
  14. engages in commercial activities and/or sales without Mobox’s prior written consent such as contests, sweepstakes, barter, advertising and pyramid schemes, or the buying or selling of "virtual" items related to the Website. Throughout this Terms and Conditions of Use, Mobox’s "prior written consent" means a written communication coming from Mobox’s Legal department, specifically in response to your request, and specifically addressing the activity or conduct for which you seek authorization;
  15. interferes with another user's use and enjoyment of the www.cinqo.com Website or any other individual's user and enjoyment of similar services;
  16. refers to any website or URL that, in the sole discretion of Mobox, contains material that is inappropriate for the www.cinqo.com Website or any other website, contains content that would be prohibited or violates the letter or spirit of these Terms of Use.
  17. harms minors in any way;
  18. infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items; 
  19. violates any national or international law or custom or convention for the time being in force;
  20. deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
  21. impersonates another person;
  22. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information; 
  23. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
  24. shall not be false, inaccurate or misleading; 
  25. shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.
  26. shall not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other users;
  1. Our services are presently free of charge for the User. However, all and any government charges, taxes, levies, dues etc. payable by the User on the prepaid instrument shall be the sole responsibility of the User and Mobox shall not in any manner be held responsible in any manner whatsoever. Mobox reserves the right, at any time, to charge the User any fees for the transactions carried out utilising the Cinqo Wallet.
  2. In the event any such tax, charge, levy etc. is imposed upon Mobox on account of non – payment by the User, Mobox shall deduct the said amounts from the Cinqo Wallet. The User provides it's agreement to the same and further agrees and undertakes not to dispute and / or challenge any such deduction.
  • The Website may contain links to other third party websites and web pages. Mobox does not in any manner represent or endorse such websites / webpages and is not liable for the contents of such websites or for any claims arising out of your use of these websites as Mobox has no control over such websites in any manner whatsoever.
  • Mobox provides you with various discounts and offers from time to time along with the option of registering with the Website for receiving updates about such promotional offers.
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  • The various modes of payment permitted by Mobox are as follows:
  1. Net Banking – You may avail your bank's internet banking services to make payments on this website.
  2. Cheque - The cheques shall be made in the name of “[]”. The loading / reloading of the wallet shall be done only once the cheque has been deposited, cleared by the Bank and money deposited in the Mobox bank account.
  • Please note that payment can be made only in Indian Rupees and all the above payment instruments must have been issued by entities operating in India and subject to Indian regulations. Further, all Users shall be given an option to save the details of the payment instruments; which shall be the account Mobox is authorised to utilise to reload the Cinqo Wallet, when instructed. The User may also delete such instructions upon will.
  • You agree, understand and confirm that the financial details provided by you will be correct and accurate and you shall not use a financial facility which is not lawfully owned/ obtained by you. Mobox will not be liable for form of cheque or banking fraud. Such liability will be on you and the onus to prove otherwise will be exclusively on you.
  • Any information that is required to be collected by us shall be kept confidential in accordance with the provisions of our Privacy Policy. In addition to the same, the provisions of the following laws / rules / guidelines / regulations shall be applicable to the use of this website:
      1. The provisions of Information Technology Act, 2000 relating to processing of personal data and as may be amended from time to time;
      2. The provisions of the Information Technology (Intermediary Guidelines) Rules, 2011 as may be amended from time to time;
      3. The provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as may be amended from time to time.
      • It is to be noted that while Mobox shall make all attempts to ensure the protection and confidentiality of the accounts, the User / Merchant / Beneficiary are ultimately responsible for maintaining the confidentiality of their respective account and password and for restricting access to their respective computers to prevent unauthorised access. the User / Merchant / Beneficiary hereby accept the responsibility for all activities that occur under their respective accounts or passwords. All necessary steps should be undertaken to ensure that the password is kept confidential and secure and should inform us immediately if there is any reason to believe that the password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner.
      1. Unless stated otherwise, the software required for our services or available on or used by our Website and all intellectual property of the contents and information of and material on our Website (Intellectual Property) are wholly and exclusively owned by and all right, title and interest solely vest in Mobox. Intellectual Property shall include but not be limited to all developments, proprietary information, trademarks, trade names, logos, art work, slogans, service mark, domain name, brand name, know-how, processes, methods, trade secrets, designs and all other work in which copyright may subsist. We possess the right to edit, copy, add to, take from, adapt, alter and translate the Intellectual Property.
      2. You are not entitled to copy, scrape, (hyper-/deep) link to, publish, promote, market, integrate, utilize, combine or otherwise use the content or our brand. To the extent that you would (wholly or partly) use or combine our content or would otherwise own any Intellectual Property Rights in the Website, you hereby irrevocably and unequivocally assign, transfer and set over all such Intellectual Property Rights to www.cinqo.in. Any unlawful use or any of the aforementioned actions or behaviour will constitute a material infringement of our Intellectual Property Rights.
      • Use of this Website is at your sole risk. All information and services are provided 'as is' and ‘as available’, with no warranties or guarantees whatsoever, express or implied as to the operation of the Website, the information, content, materials or services on the Website. Mobox expressly disclaims to the fullest extent permitted by law, all express, implied, statutory and other warranties, guarantees or representations. Without limitation, Mobox makes no warranty or guarantee that this Website and / or any transactions made therein will be uninterrupted, timely, secure or error free. Information on this Website, unless specifically promised or warranted to be correct, is not promised or guaranteed to be correct, current or complete and while Mobox makes its best effort to ensure accuracy of the information, data and general content, this website may contain technical inaccuracies or typographical errors. Mobox assumes no responsibility for updating this Website to keepinformation current or to ensure the accuracy or completeness of any posted information. Accordingly, you should confirm the accuracy and completeness of all posted information before making any decision related to any services, registration with the Cinqo Wallet or other matters described in this Website.
      • Mobox further expressly disclaims any warranties whether express or implied about the suitability, reliability, availability, timeliness, quality, continuity, performance, lack of viruses or other harmful components and accuracy of the information, software, services, products and other related graphics contained within the Website for any purpose. All such information, software, services, products and other related graphics are provided on an ‘as is’ basis without warranty of any kind. Mobox hereby disclaims all warranties and conditions with regard to the services, transactions, software, products and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non – infringement.
      • You specifically agree that Mobox shall not be responsible for unauthorised access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Website. You specifically agree that Mobox is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other user or any infringement of another’s rights.
      • Mobox grants you a limited license to access and make personal use of this Website and not to download (other than page caching) or modify it, or any portion of it, except in case Mobox gives prior specific written consent for the same. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools.
      • This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Mobox. You may not frame or use framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Mobox and our affiliates without express written prior written consent. You may not use any metatags or any other "hidden text" and Mobox / Cinqo Wallet name or trademarks without the express prior written consent of Mobox. Any unauthorized use terminates the permission or license granted by Mobox.
      • In no event will Mobox be liable to any person for any direct, indirect, incidental, special, punitive, exemplary or consequential damages of an type whatsoever related to or arising from this Website or any use of this Website or of any website or resource linked to, referenced or accessed through this Website. This exclusion and waiver of liability applies to all causes of action, whether based in contract, warranty, tort or any other legal theories.
      • The User, Beneficiary and the Merchant shall jointly and / or severally indemnify, keepindemnified and hold harmless Mobox, its subsidiaries, affiliates and their respective officers, directors, agents and employees, from any losses, claims, demands, damages, liabilities, expenses and and all other sums of money which Mobox may suffer on account of and/or incur as a result or consequence of but not limited to, breach of these Conditions of Use or any document incorporated by reference, or non – compliance and / or violation of the Applicable Laws and / or the rights of a third party.
      • The User, Beneficiary and the Merchant further shall jointly and / or severally indemnify, keep indemnified and hold harmless Mobox, its subsidiaries, affiliates and their respective officers, directors, agents and employees, from all suits, proceedings, claims, demands or actions of any nature which may be filed against Mobox, by any third party (ies) and/or Government Authority and/or Revenue Authority and/or Statutory Authority under any Applicable Law/s as a result of consequence of any and all breach of these Conditions of Use or any document incorporated by reference, or non – compliance and / or violation of the Applicable Laws and / or the rights of a third party.
      • 19. FORCE MAJEURE
      • You understand and agree that Mobox will not be liable for any loss or damage with respect to the use of this Website and / or making any reservations if the same arises out of Force Majeure or an Act of God or any other cause which is beyond the reasonable control of Mobox, including but not limited to, any event such as war, equipment and technical failure, electrical power failure or fluctuation, strikes, labour disputes, riots, civil disturbances, shortages of labour or materials, natural disasters, orders of domestic or foreign courts or tribunals, impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport, impossibility of the use of public or private telecommunications networks, etc.
      • 20. TERMINATION
      • You understand and agree that notwithstanding other legal remedies that may be available to Mobox, Mobox reserves the right to terminate your registration and / or terminate your right to use this Website for any reason whatsoever, including without limitation, any act or omission in contravention of the Privacy Policy and / or of these Terms and Conditions of Use; The user has provided wrong, inaccurate, incomplete or incorrect information; The user attempts to defraud Mobox by using the functionalities on the website; Your actions may cause any harm, damage or loss to the other Users or Mobox. Illegal and/or unauthorized use of the service, including unauthorized framing of or linking to the Website will be investigated, and appropriate legal action will be taken, including without limitation, civil, criminal and injunctive redress. You further understand and agree that any such termination may be effected without prior notice to you and you acknowledge and agree that Mobox may delete or deactivate your account immediately on detecting any such reason, including without limitation, the contravention of the Privacy Policy and / or of these Terms and Conditions of Use.
      • 21. APPLICABLE LAW
      • This website is created and controlled by Mobox having its registered address at Showroom No 1, Concord CHS, NS Road No 10, JVPD Scheme, Mumbai 400049 and shall be governed by the laws of India. The courts in Mumbai shall have exclusive jurisdiction in respect of all disputes arising out of or in connection with the services provided by Mobox on this website including the Terms and Conditions contained herein.
      • If any dispute arises between you and Mobox during your use of the Website or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of the Agreement, shall be decided by a sole Arbitrator, having summary powers, appointed by Mobox as per the provisions of the Arbitration and Conciliation Act, 1996 or any amendments thereto. The seat of arbitration shall be Mumbai and the language shall be English.
      • The User, Beneficiary and Merchant hereby irrevocably, unconditionally and unequivocally agree and undertake to ensure acquiescence to all statutory compliances in relation to the Cinqo Wallet including but not limited to compliances under all Applicable Laws and / or rules and / or regulations and / or ordinances and / or notifications and / or circulars and / or resolutions and / or directions and / or orders and / or judgments and / or decrees and / or any and all RBI notifications, circulars, rules regulations etc. as may be applicable. The User, Beneficiary and Merchant hereby jointly and / or severally indemnify and shall keepMobox indemnified and saved protected and harmless from time to time and at all times hereafter from any and all costs, expenses, losses, damages and liabilities incurred or suffered by Mobox on account of any non – compliance in relation to the Terms and Conditions of Use.
      • Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
      • The failure of the Website to enforce any right or failure to act with respect to any breach by you under these Terms and Conditions off Use will not waive that right nor waive Mobox’s right to act with respect to subsequent or similar breaches.
      • This Website shall have the right to assign its obligations and duties as mentioned herein and in any agreement relating to any or all of its services to any person or entity.
      • In the event that any provision of these Terms and Conditions of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provision(s) shall continue to be in force.
      • When you visit www.cinqo.in or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
      • Mobox makes its best efforts to provide the best quality of services. However, if any person has any grievance with respect to any aspect / feature of the Website, you may write to Mobox Labs Ltd, 101, Swati Building, North Avenue Road, Santacruz (W), Mumbai 400054 All grievances shall be dealt with as soon as possible and in any case within one month of receipt of the same.
      • Note: Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
      • These Terms and Conditions of Use have been uploaded on _____ (date).
101, Swati Building, North Avenue Road, Santacruz West,
Mumbai 400054, Maharashtra
Dial Now: +91 022 6534 0389 | Pen a mail: info@cinqo.in