Tivra Pay Disclaimer – Official User & Visitor Disclaimer for TivraPay Platform

The information provided on tivrapay.co and within the Tivra Pay application is for general informational and educational purposes only. While we strive to keep the information accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website or app for any purpose.

Any reliance you place on such information is strictly at your own risk. TivraPay.co, its operators, authors, and affiliates shall not be liable for any loss or damage, including without limitation indirect or consequential loss or damage, arising out of or in connection with the use of this website, the app, or any linked content.

This disclaimer applies to all visitors, users, and anyone who accesses or interacts with tivrapay.co or the Tivra Pay application in any way.

Tivra Pay does not offer financial, legal, or investment advice. Nothing on this website or inside the Tivra Pay application should be interpreted as a recommendation to buy, sell, or hold any token, digital asset, or financial instrument.

Token trading involves substantial risk. The value of tokens can fluctuate significantly, and past performance does not indicate future results. You may lose some or all of the money you put into trading. Every user is responsible for doing their own research (DYOR) before engaging in any transaction.

We strongly recommend consulting a qualified financial advisor or legal professional before making any financial decision. Tivra Pay is a P2P token trading platform only — it is not a licensed bank, exchange, or investment advisory service.

Tivra Pay does not guarantee any income, profit, or financial return to any user. Any figures related to earnings, referral commissions, trading profits, or bonuses shown on this website, in the app, or in any promotional material are illustrative examples or potential outcomes only. They are not promises or guarantees.

Your actual results depend on many factors including but not limited to:

• Market demand and token price fluctuations
• Your trading frequency and strategy
• The size and activity of your referral network
• Platform commission rates and terms of service
• Your ability to find buyers and sellers on the platform

No employee, affiliate, or representative of Tivra Pay is authorised to make any income guarantee. If someone promises you a fixed income or guaranteed returns through Tivra Pay, that person is acting outside their authority, and you should not rely on such statements. Referral commissions and milestone bonuses are paid according to the app's terms, which may change at any time.

Tivra Pay is a P2P (peer-to-peer) token trading platform. It is not registered with the Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI), or the Financial Intelligence Unit – India (FIU-IND) under the Prevention of Money Laundering Act (PMLA).

This means:

• Tivra Pay does not operate under the same regulatory framework as licensed cryptocurrency exchanges (e.g., CoinDCX, WazirX, Binance).
• Users do not have the same protections that regulated financial institutions provide.
• Tokens traded on Tivra Pay are not SEBI-regulated securities.
• The platform relies on the internal appeal system for dispute resolution, not a regulatory ombudsman.

However, as of 2026, individual C2C (customer-to-customer) token trading is not illegal under Indian law. The Supreme Court of India struck down the RBI's banking ban on virtual currency in the landmark IAMAI vs. RBI judgement (2020), and no subsequent law has criminalised the personal buying, holding, or selling of digital tokens.

Users are advised to consult a qualified legal professional for advice specific to their jurisdiction and circumstances.

TivraPay.co and the Tivra Pay app may contain links to external websites, Telegram channels, or third-party services that are not owned or controlled by us. These links are provided for your convenience and reference only.

We have no control over the content, privacy practices, or terms of use of any third-party website or service. The inclusion of a link does not imply endorsement, approval, or warranty of the linked site's content, accuracy, or practices.

Users who click on external links do so entirely at their own risk. We encourage you to read the privacy policy and terms of service of any third-party site you visit. TivraPay.co is not responsible for any loss, damage, or claim arising from your use of external links.

Examples of external destinations include Telegram group links, UPI apps (Google Pay, PhonePe, Paytm, BHIM), and the Tivra Pay login/registration pages hosted on third-party domains.

Because Tivra Pay is a popular platform, fraudsters frequently try to misuse its name to trick users. Here are the common impersonation tactics you should be aware of:

• Fake customer care numbers: Scammers post fake support numbers on YouTube, Google, and social media. Tivra Pay has no public phone number. Support is available only through the in-app live chat.
• Fake Telegram groups and admins: Fraudsters create Telegram groups with names like "Tivra Pay Help Desk" or "Tivra Pay Support" and impersonate admins. The only official Telegram channel is linked on this page and on tivrapay.co.
• Fake websites: Clone domains such as tivrapay.com, tivrapay.net, tivrapay.co.in, or tivrapay.org.in are not affiliated with the original platform. Always verify the domain before entering any information.
• Advance-fee scams: No one from Tivra Pay will ever ask you to pay money to "unlock withdrawals", "activate your account", "upgrade your limit", or "process a bonus". These are always scams.

If you encounter any suspicious activity, report it immediately through the in-app appeal system. Your vigilance helps protect the entire Tivra Pay community.

Any income or profit earned through token trading on Tivra Pay is subject to applicable Indian tax laws. Under the current Income Tax Act provisions for Virtual Digital Assets (VDAs):

• Profits from token trading are taxable at a flat rate of 30% plus applicable cess and surcharge.
• A 1% Tax Deducted at Source (TDS) applies on transactions above the prescribed threshold.
• Losses from token trading cannot be set off against other income under current VDA rules.
• It is the user's sole responsibility to declare their trading income, calculate the correct tax, file returns on time, and pay any dues to the Income Tax Department.

Tivra Pay does not withhold or deduct tax on behalf of users. The platform does not provide tax advice. We strongly recommend consulting a qualified chartered accountant (CA) or tax professional to ensure compliance with your tax obligations. Failure to report taxable income may result in penalties, interest, or legal action by tax authorities.

To the fullest extent permitted by applicable law, TivraPay.co, its operators, authors, employees, affiliates, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or business opportunities
• Loss of tokens or funds due to user error, platform downtime, or technical issues
• Loss arising from disputed P2P transactions between users
• Loss caused by unauthorised access to your account due to weak passwords or credential sharing
• Loss resulting from third-party fraud, impersonation, or phishing attacks
• Any damages arising from the use or inability to use the Tivra Pay website, app, or services

Your use of the platform is at your own risk. The Tivra Pay app and website are provided on an "as is" and "as available" basis without any warranty of any kind, whether express or implied.

Every person who uses Tivra Pay accepts the following responsibilities:

• Keep your credentials safe: Never share your password, OTP, UPI PIN, or banking information with anyone. Use a strong, unique password and change it periodically.
• Verify every payment personally: Before releasing tokens to a buyer, open your own UPI or banking app and confirm the payment has arrived. Never rely on screenshots or verbal confirmations.
• Download only from tivrapay.co: The official app download link is available only on this website. Do not install APK files from unknown sources, YouTube videos, or third-party websites.
• Keep records of all transactions: Maintain screenshots, payment receipts, and trade history for your own reference and for tax purposes.
• Trade responsibly: Only invest money you can afford to lose. Token trading carries real financial risk, and there is no guaranteed return.
• Stay informed: Read the Terms of Service, Privacy Policy, User Safety Guide, and this Disclaimer thoroughly before using the platform.

TivraPay.co reserves the right to update, modify, or replace any part of this disclaimer at any time without prior notice. Changes become effective immediately upon posting on this page.

We encourage you to review this disclaimer periodically to stay informed about how we are helping to protect your awareness and legal understanding. Your continued use of the Tivra Pay website or application after any changes constitutes your acceptance of the updated disclaimer.

If you do not agree with any part of this disclaimer, you must stop using the Tivra Pay website and application immediately.

Last updated: 27 August 2026

If you have any questions, concerns, or requests regarding this disclaimer, you can reach us through the following channels:

• In-app support: Use the live chat feature inside the Tivra Pay app — this is the fastest way to get help.
• Website contact form: Visit our Contact Us page for website-related queries.
• Telegram channel: Join the official Tivra Pay Telegram channel linked on this page for announcements and community discussion. Note: Telegram admins will never ask for your password or OTP.

For legal or compliance-related concerns, please use the Contact Us page to submit your query, and we will respond as promptly as possible.

Here is the essence of this disclaimer in simple points:

• Not financial advice: Nothing on this site recommends buying, selling, or holding tokens. Trade at your own risk.
• No income guaranteed: Earnings depend on your activity and market conditions. No one can promise you a fixed return.
• Not regulated: Tivra Pay is not registered with RBI, SEBI, or FIU-IND. You trade without a regulatory safety net.
• Support is in-app only: There is no public phone number. Customer support never asks for your password or OTP.
• You are responsible for taxes: Report your trading income and pay applicable taxes under VDA rules.
• Beware of scammers: Fake websites, fake support numbers, and fake Telegram groups exist. Only trust tivrapay.co.
• Use the platform at your own risk: TivraPay.co and its operators are not liable for any loss you may incur.