Terms of Service
Last updated: 17 September 2026
1. Acceptance of Terms
By accessing or using UPIfree.com, you agree to be bound by these Terms of Service. If you do not agree, do not use the website or its calculation tools.
2. Permitted Use & Circumvention Prohibition
UPIfree provides tools for calculation, payment comparison, and genuine bill-sharing. You expressly agree not to use UPIfree to structure artificial transactions, disguise single commercial purchases, or attempt to circumvent merchant discount rates, payment classification rules, or banking regulations.
3. Informational Nature
All content and calculations are provided for educational and informational purposes. While we strive for absolute source fidelity, financial terms must be verified with your respective bank or acquiring institution.