Terms of Service

1. Agreement

By using upifree.com you agree to these terms and to the Privacy Policy and Disclaimer. If you do not agree, do not use the tools.

2. The service

We publish calculators, QR makers, a QR inspector, a bill splitter, a bill reader, Ask Pikoo chat, guides, a glossary, and a rules directory. The software is offered as-is under the MIT Licence (copyright 2026 UPIfree.com). Content on the pages is informational. We may change or withdraw a tool without notice.

3. No payment processing

We do not execute UPI transfers. A generated QR or upi://pay link is for you to open in your own app. We are not a party to that payment. A failed debit, a wrong soundbox amount, or a collect request is a matter for the app, the bank, or the shop.

4. Permitted use

You may use the tools for personal or business information: checking a fee, printing your own QR, inspecting a QR before you pay, splitting a bill that several people genuinely owe, reading a slip you are allowed to photograph, or asking Pikoo about this site's published rules.

5. Circumvention

You must not use the bill splitter, calculator, bill reader, Ask Pikoo, or any other page to disguise one commercial purchase as many small ones, to re-label a shop payment as P2P, or to defeat MDR, MCC classification, or a bank's operating rules. We built the splitter for shared dinners, trips, and rent, not for circumvention. Do not upload other people's KYC, Aadhaar, or bank statements to harvest data. The bill reader is for a slip you are entitled to read.

6. Accuracy

Rules are versioned against public gazettes and NPCI FAQs. Banks and aggregators can still apply a different commercial rate. You must confirm the posted fee with your provider. Shop MDR on specified tickets above ₹2,000 applies from 15 October 2026 unless a later official instrument says otherwise.

7. Bill reader and Ask Pikoo

The bill reader uses Sarvam AI to read printed fields and OpenAI to write an explanation. Ask Pikoo uses OpenAI with a knowledge file of this site. Both can be wrong. OCR misreads happen. Model replies are not advice and not a bank posting. You must confirm the printed slip, the gazette, and your provider.

8. Snapshots and QR strings

A shareable snapshot is a copy of a calculation (amount, type, class, matched rule). It is not a receipt and not proof of a live bank posting. Anyone with the token URL can open it while it remains in cache.

A QR you generate is your string. You are responsible for the VPA, amount, and payee name you put in it. Inspect a standee on Check QR before you pay.

9. Accounts and abuse

No login is required. You must not attack, scrape at a rate that harms the host, or poison the snapshot API with automated junk. We may block an IP or token.

10. Intellectual property

The UPIfree name, logo, and page copy are ours. Official gazette text belongs to the Government of India or NPCI. Do not present this site as an NPCI or Ministry product. Third-party marks (GPay, PhonePe, BHIM, and others) belong to their owners.

11. Liability

To the extent Indian law allows, we are not liable for lost profits, a fee your bank actually posted, or a payment you made after reading a number here. The MIT Licence also disclaims warranty for the software.

12. Law

These terms are governed by the laws of India. Courts in India have jurisdiction, without limiting any non-waivable consumer rights you have at your residence.

13. Changes

We may update these terms. The date at the top is the current version. Continued use after a change is acceptance of the new text.