Terms & Conditions

Please read these Terms carefully before using the Service. They form the agreement between you and Trile Payments Pvt. Ltd. (“Trile”, “we”, “us”, or “our”), a company based in Kathmandu, Nepal. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Definitions

• Service — the Trile website, dashboard, API, and hosted checkout, and the payment, subscription, and related services we provide.
• Merchant — a business that integrates Trile to bill its own customers.
• Wallet holder — an end customer who tops up a wallet and subscribes through a Trile-hosted checkout or a merchant’s integration.
• Wallet — the prepaid balance a wallet holder funds and from which subscription charges are drawn.
• Subscription — a wallet holder’s commitment to a merchant’s recurring price.
• You — the individual, or the business on whose behalf an individual acts, that accesses or uses the Service.

Who can use the Service

You must be at least 18 years old and able to enter a binding contract. If you use the Service for a business, you confirm you are authorized to bind that business. Your use is also subject to our Privacy Policy.

What Trile does

Trile provides subscription-billing infrastructure. Because there is no card-on-file recurring rail in Nepal, a wallet holder pre-funds a wallet (via eSewa, Khalti, IME Pay, or bank transfer) and Trile deducts each billing cycle from that balance. Renewals are internal ledger movements, not new external payment attempts.

Trile is a technology provider that operates within Nepal Rastra Bank (NRB) rules — including KYC-tiered wallet caps and domestic handling of payment data. Trile is not a bank and does not claim to be an NRB-licensed institution. We do not provide legal, tax, or financial advice.

How the wallet-funded model works

• The first cycle charges when a wallet holder subscribes; each renewal draws automatically from the wallet balance.
• If the balance is short, the subscription moves to past_due and recovers on the next top-up. Retries and reminders are built in.
• Every amount is handled as integer paisa (NPR × 100), never as a floating-point number.
• Wallet balances and top-ups are capped by the wallet holder’s KYC tier under NRB rules. A top-up that would exceed the applicable cap is declined; raising the cap requires completing more KYC.
• The ledger is append-only. Corrections are made through offsetting entries, and balances are reconciled against the ledger daily.

Merchant responsibilities

If you use the Service as a Merchant, you are responsible for:

• Providing accurate business and identity information and completing any required onboarding and KYC.
• The lawfulness of the transactions you process and your compliance with applicable law, including NRB, KYC, and anti-money-laundering requirements.
• Your own relationship with your customers — including your pricing, disclosures, and any refund or cancellation terms you offer them.
• Keeping your account credentials and API keys secure, using test keys (nep_test_) against the sandbox and live keys (nep_live_) only for real traffic, and sending an Idempotency-Key on every write as documented. You are responsible for all activity under your account.

Wallet holder terms

If you fund a wallet, the balance is a prepaid amount held to pay for the subscriptions you choose. Charges are drawn from that balance according to the merchant’s price and interval. Wallet caps and per-transaction limits set by your KYC tier apply. Questions about a specific product, refund, or cancellation should go to the merchant you are paying; questions about your wallet or a transaction can also come to us.

Fees

Trile has no publicly published rate card. Fees are set out in the commercial agreement or order you enter into with us and scale with charge volume and settlement needs — contact us for pricing. We may change fees on reasonable notice. You are responsible for any taxes arising from your use of the Service.

Acceptable use

You must not use the Service to process unlawful transactions, to defraud, to circumvent KYC or wallet caps, to abuse or overload the API, or in any way that breaches NRB rules or Nepali law. We may suspend or investigate activity that we reasonably believe violates these Terms or applicable law.

Availability

We work to keep the Service reliable, but it is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or meet any specific uptime or performance target, except where a separate written agreement says otherwise.

Limitation of liability

To the maximum extent permitted by law, Trile and its suppliers will not be liable for any indirect, incidental, special, or consequential damages — including loss of profits, data, or business — arising from your use of, or inability to use, the Service. To the maximum extent permitted by law, our total liability under these Terms is limited to the amount you actually paid us through the Service in the twelve months before the event giving rise to the claim.

Termination

We may suspend or terminate your access immediately, without prior notice, if you breach these Terms, if required by law or a regulator, or to prevent harm to the Service or its users. On termination, your right to use the Service ends. Provisions that by their nature should survive — including fees owed, liability limits, and record-keeping obligations — will survive.

Intellectual property

The Service, and all software, content, and trademarks that make it up, belong to Trile or its licensors. These Terms do not grant you any right in them beyond the limited right to use the Service as intended.

Governing law and disputes

These Terms and your use of the Service are governed by the laws of Nepal, excluding its conflict-of-law rules. If you have a concern or dispute, you agree to first try to resolve it informally by contacting us. Unresolved disputes are subject to the courts of Nepal.

Language

If these Terms are made available in more than one language, the original English text prevails in the event of a conflict.

Changes to these Terms

We may modify these Terms from time to time. If a change is material, we will make reasonable efforts to give at least 30 days’ notice before it takes effect. Continuing to use the Service after a change takes effect means you accept the revised Terms.

Contact us

Questions about these Terms:

• Email: support@trile.app
• Trile Payments Pvt. Ltd., Kathmandu, Nepal