Terms of Use

Effective 29 October 2026 · Last updated 29 October 2026

Important — please read

PayTone announces payments by reading payment notifications on your phone (and, in the direct-download version only, bank SMS). An announcement is a convenience, not proof of payment, and we do not guarantee that every payment will be announced. Always confirm a payment in your bank or UPI app before handing over goods or services. Section 6 explains this in full.

These Terms of Use ("Terms") are a binding agreement between you and Lightday Technologies LLP ("Lightday", "we", "us", "our") governing your use of the PayTone mobile application, the website at paytone.lightday.tech and related services (together, "PayTone" or the "Service"). By creating an account or using PayTone you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

These Terms are an electronic record under the Information Technology Act, 2000 and do not require a physical or digital signature.

1. Who we are

Lightday Technologies LLP
GSTIN: 32AAHFL3394B1ZM
29/67A, Ground Floor, Kannala Building, Trikkakkara Pipeline Road, University Road, Kalamassery, Ernakulam, Kerala 682022, India
Email: hello@lightday.tech

2. The Service

PayTone is software that, with your permission, reads payment notifications shown on your Android phone by supported UPI and banking apps, and — in the version downloaded directly from our website only, not the Google Play version — payment SMS messages sent to that phone by your bank, and announces received payments aloud on that phone and on listener devices you pair. It also shows your payment history and reports. Features, supported apps and languages may change over time.

3. What PayTone is not

• PayTone does not receive, hold, transfer, settle or refund money. Payments move directly between your customer's bank and yours through their UPI apps.
• PayTone is not a bank, payment system operator, payment aggregator, payment gateway or UPI app, and is not regulated as one.
• PayTone is not affiliated with, endorsed or sponsored by NPCI, Google Pay, PhonePe, Paytm, BHIM, Amazon Pay or any bank. Their names are used only to describe compatibility, and belong to their respective owners.
• Any dispute about whether a payment was made, failed, reversed or credited must be raised with your bank or UPI app, not with us.

4. Eligibility & your account

• You must be at least 18 years old and capable of entering into a contract under the Indian Contract Act, 1872. If you use PayTone for a business, you confirm you are authorised to bind that business.
• You must register with a mobile number you own and keep your account details accurate.
• You are responsible for everything done through your account and your paired devices. Keep your phone and sign-in secure and tell us immediately at hello@lightday.tech if you suspect unauthorised use.
• You may add only UPI IDs and QR codes that belong to you or your business.

5. Your responsibilities

For PayTone to work, you are responsible for:

• keeping the phone that receives payments switched on, charged, connected to the internet, with its volume up and with the supported payment app installed, signed in and allowed to show notifications;
• granting and keeping PayTone's notification access (and, in the direct-download version, SMS permission), and excluding PayTone from battery optimisation and similar "app killer" features;
• keeping PayTone and your payment apps updated;
• checking your payments in your bank or UPI app, and reconciling your accounts;
• complying with all laws that apply to your business, including tax laws.

6. No guarantee of alerts — announcements are not proof of payment

6.1 PayTone depends on things outside our control: your phone, its operating system and manufacturer settings, your mobile network and internet connection, and the payment and banking apps that generate notifications. Because of this, we do not guarantee that any payment will be detected or announced, or announced on time, correctly or only once.

6.2 Alerts may be missed, delayed, duplicated or inaccurate for reasons including: the phone being off, silent, low on battery or offline; Android or the manufacturer stopping PayTone in the background; notification access or SMS permission being turned off; the payment app or bank not showing a notification or sending an SMS, delaying it or changing its format; delays at your bank, NPCI or the payment app; paired devices being disconnected; or outages or maintenance of our servers or third-party services.

6.3 An announcement or entry in PayTone is not proof that money has reached your account. Before handing over goods or services, confirm the payment in your bank account or UPI app. Be aware that fraudsters may show fake payment screens or send fake messages, and that a payment shown as successful can later fail or be reversed by the bank.

6.4 To the maximum extent permitted by applicable law, Lightday is not responsible or liable for any loss, including loss of money, goods, sales or business, arising from a payment not being announced, being announced late, twice or incorrectly, or from relying on an announcement instead of checking your bank or UPI app.

7. Subscriptions & payments

• Some features require a paid subscription. Prices, plan features and any free trial are shown in the app before you subscribe. Prices include applicable taxes unless stated otherwise.
• In the Google Play version of PayTone, subscriptions are bought, billed and renewed through Google Play, and Google Play's terms and refund policies also apply. In PayTone Direct (the version downloaded from our website), subscriptions are billed through our payment processor, Razorpay, and may renew automatically through a mandate you authorise; your use of Razorpay is also governed by Razorpay's own terms. A subscription bought in either version covers your shop in both.
• You can cancel at any time: a Google Play subscription in the Play Store (Payments & subscriptions), a Razorpay subscription in the app. Cancellation stops future renewals; you keep access until the end of the period already paid for.
• Fees already paid are non-refundable, except where required by law or where we are unable to provide the Service for reasons within our control, or where you were charged in error. To request a refund, email hello@lightday.tech within 7 days of the charge.
• We may change prices with at least 30 days' notice. Changes apply from your next renewal; if you do not agree, you may cancel before then.
• If a renewal payment fails, paid features may be paused until payment succeeds.

8. Third-party services

PayTone works alongside third-party apps and services, including UPI and banking apps, Google Play and Google Play services, Google Cloud Text-to-Speech, Razorpay and mobile network operators. We do not control them and are not responsible for their availability, accuracy, changes or policies. A change by a third party (for example, to a payment app's notifications) may affect or stop PayTone features without notice.

9. Acceptable use

You must not:

• use PayTone for any unlawful purpose, fraud, money laundering, or to receive payments for prohibited goods or services;
• add UPI IDs, QR codes or devices that are not yours, or monitor anyone else's payments without their consent;
• copy, modify, reverse engineer, decompile or create derivative works of PayTone, except as permitted by law;
• interfere with, overload or attempt to gain unauthorised access to our systems, or bypass security or integrity checks;
• submit false or fabricated payment data to the Service;
• resell, sublicense or provide PayTone to others as a service without our written permission;
• host, display or share any information prohibited under Rule 3(1)(b) of the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

10. Intellectual property

PayTone, including its software, design, voice prompts, name and logo, belongs to Lightday or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use PayTone for your own business, in line with these Terms. You keep ownership of your data; you grant us the rights needed to process it to provide the Service, as described in our Privacy Policy.

11. Disclaimer of warranties

To the maximum extent permitted by law, PayTone is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted or error-free operation. Nothing in these Terms limits any right you have under the Consumer Protection Act, 2019 or other law that cannot be excluded by contract.

12. Limitation of liability

• To the maximum extent permitted by law, Lightday, its partners, employees and agents are not liable for any indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, goods, data, goodwill or business opportunity, arising out of or related to PayTone, including missed, delayed or incorrect announcements.
• Our total liability for all claims relating to PayTone is limited to the total subscription fees you paid us in the three (3) months before the event giving rise to the claim.
• These limits do not apply to liability that cannot be limited or excluded under applicable law, including liability for fraud or wilful misconduct.

13. Indemnity

You agree to indemnify and hold Lightday harmless against claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms, your misuse of PayTone, your violation of any law, or your transactions with your customers.

14. Suspension & termination

• You may stop using PayTone and delete your account at any time from the app or by email.
• We may suspend or terminate your access, with notice where reasonably possible, if you breach these Terms, if required by law or an authority, if your account shows signs of fraud or misuse, or if we discontinue the Service. If we discontinue the Service for reasons other than your breach, we will refund the unused portion of any prepaid subscription.
• Sections 3, 6, 10 to 13, 15 and 17 survive termination.

15. Governing law & disputes

These Terms are governed by the laws of India. Please contact our Grievance Officer first so we can try to resolve any dispute informally. Subject to that, and to any right you have to approach a consumer commission under the Consumer Protection Act, 2019, the courts at Ernakulam, Kerala have exclusive jurisdiction.

16. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new "Last updated" date. For material changes we will notify you in the app or by SMS at least 15 days before they take effect. Continuing to use PayTone after that means you accept the updated Terms.

17. General

• These Terms and the Privacy Policy are the entire agreement between you and us about PayTone.
• If any provision is found unenforceable, the rest remains in effect, and the provision is enforced to the extent permitted.
• Our failure to enforce a right is not a waiver of it.
• You may not transfer your rights under these Terms without our consent. We may transfer ours to a successor entity.
• We are not liable for delays or failures caused by events beyond our reasonable control, including network or power outages, actions of payment systems, banks or authorities, natural disasters and similar events.
• If these Terms are translated, the English version prevails.

18. Grievance Officer & contact

In accordance with the Information Technology Act, 2000 and the rules made under it, our Grievance Officer is:

Rimju Kunhi Veetil, Grievance Officer
Lightday Technologies LLP
29/67A, Ground Floor, Kannala Building, Trikkakkara Pipeline Road, University Road, Kalamassery, Ernakulam, Kerala 682022, India
Email: hello@lightday.tech (subject line: "Grievance")
Hours: Monday to Saturday, 10:00–18:00 IST, excluding public holidays

We acknowledge complaints within 24 hours and aim to resolve them within 15 days of receipt.