Terms & Conditions

Effective Date: April 23, 2026

Welcome to GHL Wallet App (operated by Optiro AI). These Terms of Service govern your use of https://www.ghlwallet.app and all related services. By accessing or using our platform, you agree to be bound by these Terms.

By accessing or using GHL Wallet App (operated by Optiro AI), you agree to comply with and be legally bound by these Terms. If you do not agree, please do not use our services.

GHL Wallet App (operated by Optiro AI) provides a digital wallet system designed to manage usage-based billing, credits, and transactions for integrated services. We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

To use our services, you may be required to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Be responsible for all activities under your account

We are not liable for any loss resulting from unauthorized access to your account.

• Users can add funds to their wallet for service usage
• Charges are deducted based on usage
• Wallet balances are non-transferable

GHL Wallet App reserves the right to adjust pricing, billing structure, or usage policies at any time.

• All payments are processed securely through third-party payment providers
• Users are responsible for ensuring sufficient wallet balance
• Failure to maintain balance may result in service interruption

We do not guarantee uninterrupted service in case of insufficient funds.

• Wallet top-ups are generally non-refundable
• Refunds, if applicable, are issued at the sole discretion of GHL Wallet App
• Any misuse or fraudulent activity will void refund eligibility

You agree not to:

• Use the service for illegal activities
• Attempt to exploit or misuse billing systems
• Interfere with system security or operations

Violation may result in immediate suspension or termination.

We strive to maintain uptime but do not guarantee uninterrupted service. We are not responsible for:

• Downtime due to technical issues
• Third-party service failures
• Force majeure events

GHL Wallet App (operated by Optiro AI) shall not be liable for:

• Indirect or consequential damages
• Loss of revenue, data, or business
• Any damages arising from use or inability to use the service

We reserve the right to:

• Suspend or terminate accounts without notice
• Restrict access for policy violations

Users may discontinue use at any time.

We may update these Terms at any time. Continued use of the service after changes constitutes acceptance.

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

By using GHL Wallet App (operated by Optiro AI), you acknowledge that you have read and agreed to these Terms.