About US.

 

We are the fastest growing Fintech Company, B2B E-commerce Company in India and impeccably promote the government’s ongoing mission, ‘Vocal for Local’ to scale new heights in digital India.Unmatched business opportunity for shop-keepers, retailers, students, house-wives, professionals, insurance agents to start their own futuristic online ecommerce business instantly. Backed by finest technology and operational platform. You can create your own brand in the market. You will be able to book instant flight tickets, hotel booking, bus booking, recharge any mobile phone and DTH. Digitally transfer money to any bank account, AEPS, Bill payments of electricity, telephone and insurance premiums. Sell Travel, 2 Wheeler, 4 Wheeler and health insurance. You do need any investment. You need PC or Laptop with Internet connection.

 

Philosophy

MISSION :

We look forward to setup nationwide seamlessly networked environment of connectivity for all online retail and mobile linked people, by facilitating E-commerce ,banking, travel & utility services within there reach.

VISION :
To become one of the best ecommerce solution company in India 
 

INNOVATION :
We must continually apply intelligence, reason and technology to our work and environment. This will allow us to take informed risks and champion new ideas to improve our business as well as the community.

TEAMWORK :
We must foster an environment wherein we can efficiently utilize the abilities of all team members to achieve goals. We should work on the premise that the whole is greater than the sum of the parts.

FUN @ WORK :
We must create and maintain an atmosphere of fun while at work, making work a happy place we can all look forward to.

PASSION FOR WINNING :
We must have a "can do" attitude, not take "no" for an answer and believe that nothing is impossible. This will allow us to work relentlessly toward achieving our goals and honoring our commitments.

CUSTOMER CENTRIC :
We must maintain focus on our customers, both internal & external, by giving them priority. Strive to exceed their expectations in terms of the value and quality delivered.

 

Testimonials

We have been using Business-in-a-box for 10 months now and we are very happy that we chose the right eCommerce solution for us.  The support and training we received has been excellent. Our new online store looks great and our customer feedback has been very positive. The store not only looks well but is easy to navigate and the backend system is very straightforward to use.

Seema Gandhi; Housewife. Baroda

 

"Because of Business-in-a-box, our online stores have really taken off. It has helped give us a whole other dimension to our business. I really like the reporting features and rely heavily on them. Business-in-a-box has helped us increase our sales by having an online presence. Even with the economy down, we still have been very busy and that has helped keep us going." -

Sameer Rana; Insurance Agent; Delhi

 

My experience with Business-in-a-box started about a year ago we have spent a lot of money and a lot of time with another company that told us "we can do it, we are working it" and after a year of production we had nothing to show. I talked to my friend Manish and he suggested Business-in-a-box Within 7 days we had a working eCommerce portal with all the features he said we would have. We have continued to grow over the last year.

Pradeep Mohanty; Shanti Agencies; Guwahati

 

I never thought it would be possible to get a eCommerce portal that does everything that this one does without paying a LOT more money for it. Just perfect for entrepreneurs like me

Sanjay Mishra; Enterprenuer; Mumbai.  

Contact Us.

 

Registered Office        

                       

MOS Utility Limited

12th Floor, First Avenue,

above KIA showroom,

Goregaon - Mulund Link Road,

Malad West, Mumbai - 400 064.

Maharashtra (INDIA)

Web Site: www.mos-world.com

Mobile : 022 42383838

E-mail: customersupport@mos-world.com

Privacy Policy

 

Our Commitment To Privacy Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested. The Information We Collect: This notice applies to all information collected or submitted on Mos-world.com. The website offers banking services, travel services, insurance services, utility services, courier service, entertainment service, mera adhikar, kiosk service etc. We collect the following personal information to provide the services mentioned above. Name, Address, Date of birth, Email address Phone number and kyc document. The Way We Use Information: We use the information you provide about yourself when placing an order only to complete that order. We do not share this information with outside parties except to the extent necessary to complete that order. We will use this information to occasionally inform you of promotions being run on the website. Within each email, you will be provided an option to opt out from receiving such emails in the future. We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties. We use non-identifying and aggregate information to better design our website and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on our website, but we would not disclose anything that could be used to identify those individuals. Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses. Our Commitment To Data Security: To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. How You Can Access Or Correct Your Information: You can access all your personally identifiable information that we collect online and maintain by contacting our customer service department. We use this procedure to better safeguard your information. You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections. How To Contact Us: Should you have other questions or concerns about these privacy policies, please call us at +91-22-42383838 or send us an email at help@mos-world.com.

Terms & Conditions

 

 

This web site (the "Site") is published and maintained by MOS UTILITY LIMITED ("MOS"), a company incorporated and existing in accordance with the laws of the Republic of India . When you access, browse or use this Site you accept, without limitation or qualification, the terms and conditions set forth below. When you access any sub-site (whether belonging to an ‘associate’ of MOS or otherwise) through this site, then such sub-site may have its own terms and conditions of use which is specific to such sub-site. Sub-sites may contain such additional terms and conditions of use as may be set out in such sub-site.


These Terms and Conditions of Use and any additional terms posted on this Site together constitute the entire agreement between MOS and you with respect to your use of this Site. Site and Its Contents This Site is only for your personal use. You shall not distribute, exchange, modify, sell or transmit anything you copy from this Site, including but not limited to any text, images, audio and video, for any business, commercial or public purpose.


As long as you comply with the terms of these Terms and Conditions of Use, MOS grants you a non-exclusive, non-transferable, limited right to enter, view and use this Site. You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

 

Access to certain areas of the Site may only be available to registered members. To become a registered member, you may be required to answer certain questions. Answers to such questions may be mandatory and/or optional. You represent and warrant that all information you supply to us, about yourself, and others, is true and accurate. Ownership All materials on this Site, including but not limited to audio, images, software, text, icons and such like (the "Content"), are protected by copyright under international conventions and copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this Site limiting the way you may use the Content.


There are a number of proprietary logos, service marks and trademarks found on this Site whether owned/used by MOS or otherwise. By displaying them on this Site, MOS is not granting you any license to utilize those proprietary logos, service marks, or trademarks. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes.


You may download such copy/copies of the Content to be used only by you for your personal use at home unless the sub site you are accessing states that you may not. If you download any Content from this Site, you shall not remove any copyright or trademark notices or other notices that go with it. Others rights If this Site contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities, you agree to use the same only to send and receive messages and materials that are proper and related thereto. By way of example and not as a limitation, you agree that when using the Site or any facility available here from, you shall not do any of the following:1.
 Defame abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others .2.Publish , post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.3. Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless the User owns or controls the rights thereto or has received all consents therefor as may be required by law..4.Upload or attach files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of another’s computer.5.Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.6.Falsify the origin or source of software or other material contained in a file that is uploaded.7Advertise or offer to sell any goods or services, or conduct or forward surveys, contests or chain letters, or download any file posted by another user of a Forum that the User knows, or reasonably should know, cannot be legally distributed in such manner. User's Material You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening or unlawful material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law.


MOS assumes no liability or responsibility arising from the contents of any communications containing any defamatory, erroneous, inaccurate, libelous, obscene or profane material. MOS may change, edit, or remove any user material or conversations that are illegal, indecent, obscene or offensive, or that violates MOS's policies in any way.


MOS will fully cooperate with any law enforcement authorities or court order requesting or directing MOS to disclose the identity of anyone posting such materials. MOS Rights If you send any communications or materials to the Site by electronic mail or otherwise, including any comments, data, questions, suggestions or the like, all such communications are, and will be treated by MOS, as non-confidential.


You hereby give up any and all claim that any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way MOS uses such material.
Any material submitted to this Site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted or used by MOS anywhere in the world, in any medium, forever. Transmitted Material Internet transmissions are never completely private or secure. You understand that any message or information you send to this Site may be read or intercepted by others unless there is a special notice that a particular message (for example, credit card information) is encrypted (send in code). Sending a message to MOS does not cause MOS to have any special responsibility to you.


The copyright in the contents of this website belong to MOS. Accordingly MOS reserves all rights. Copying of part or all the contents of this website without permission of MOS is prohibited except to the extent that such copying/printing is necessary for the purposes of availing of the paid services provided. Disclaimer The material in this Site could include technical inaccuracies or typographical errors. MOS may make changes or improvements at any time.


The materials on this site are provided on an “As Is” basis, without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, MOS disclaims all warranties of merchantability and fitness for a particular purpose.


MOS does not warrant that the functions contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the servers that make it available are free of viruses or other harmful components, but shall endeavor to ensure your fullest satisfaction.


MOS does not warrant or make any representations regarding the use of or the result of the use of the material on the site in terms of their correctness, accuracy, reliability, or otherwise, insofar as such material is derived from other service providers such as airlines, hotel owners and tour operators.


You acknowledge that this Website is provided only on the basis set out in these terms and conditions. Your uninterrupted access or use of this Website on this basis may be prevented by certain factors outside our reasonable control including, without limitation, the unavailability, inoperability or interruption of the Internet or other telecommunications services or as a result of any maintenance or other service work carried out on this Website. MOS does not accept any responsibility and will not be liable for any loss or damage whatsoever arising out of or in connection with any ability/inability to access or to use the Site.


You also acknowledge that through this Site, MOS merely provides intermediary services in order to facilitate highest quality services to you. MOS is not the last-mile service provider to you and therefore, MOS shall not be or deemed to be responsible for any lack or deficiency of services provided by any person. You shall engage or hire or appoint pursuant to or resulting from, the material available in this Site.


MOS will not be liable to you or to any other person for any direct, indirect, incidental, punitive or consequential loss, damage, cost or expense of any kind whatsoever and howsoever caused from out of your usage of this Site.


Notwithstanding anything else to the contrary contained elsewhere herein or otherwise at law, MOS’s liability (whether by way of indemnification to you or otherwise) shall be restricted to a maximum of INR 1000 (Indian Rupees One Thousand only). Availability The products and services displayed on the Site may not be available for purchase in your particular country or locality. The reference to such products and services on the Site does not imply or warrant that these products or services will be available at any time in your particular geographical location. You should check with your local MOS authorized representative for the availability of specific products and services in your area. Terms and Conditions of Use MOS may add to, change or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Site apply as soon as they are posted. By continuing to use this Site after any changes are posted, you are indicating your acceptance of those changes.


MOS may add, change, discontinue, remove or suspend any other Content posted on this Site, including features and specifications of products described or depicted on the Site, temporarily or permanently, at any time, without notice and without liability.


MOS reserves the right to undertake all necessary steps to ensure that the security, safety and integrity of MOS's systems as well as its clients’ interests are and remain, well-protected. Towards this end, MOS may take various steps to verify and confirm the authenticity, enforceability and validity of orders placed by you.


If MOS, in its sole and exclusive discretion, concludes that the said orders are not or do not reasonably appear to be, authentic, enforceable or valid, then MOS may cancel the said orders at any time up to 4 hours before the scheduled time of departure of the relevant flight or 4 hours before the expected date of visit to any property booked through MOS. General Provisions You may travel to certain destinations which involve greater risks than others, entirely at your risk as to cost and consequences.


MOS requests you to consult your local authorities and evaluate travel prohibitions, warning, announcements, and advisories issued by them before booking travel to certain international destinations.

By offering for sale travel to particular international destinations, MOS does not represent or warrant that travel to such point is advisable or without risk. MOS does not accept liability for damages, losses, or delays that may result from improper documents for entry, exit, length of stay, or from travel to such destinations.
MOS reserves its exclusive right in its sole discretion to alter, limit or discontinue the Site or any material posted herein, in any respect. MOS shall have no obligation to take the needs of any User into consideration in connection therewith. MOS reserves its right to deny in its sole discretion any user access to this Site or any portion hereof without notice. No waiver by MOS of any provision of these Terms and Conditions shall be binding except as set forth in writing and signed by its duly authorized representative. If any dispute arises between you and MOS during your use of the Site or thereafter, in connection with and arising from your use or attempt to use this Site, the dispute shall be referred to arbitration. The place of arbitration shall be Mumbai. The arbitration proceedings shall be in the English language.


The said arbitration proceedings shall be governed and construed in accordance with the Arbitration and Conciliation Act, 1996 and modifications thereof as in force at the relevant time.
These terms and conditions are governed by and shall be construed in accordance with the laws of the Republic of India and any dispute shall exclusively be subject to the jurisdiction of the appropriate Courts situated at Mumbai, Maharashtra, India.

 

Cancellation & Refund Policy

1. Introduction

MOS Utility Limited provides digital payment and financial service facilitation solutions including, but not limited to, utility bill payments, money transfer services, recharge services, travel booking services, AEPS, BBPS, API services, POS solutions, and other value-added services.

This Cancellation & Refund Policy governs cancellation requests and refund processing for transactions performed through MOS Utility Limited's web portal, mobile application, APIs, and associated merchant channels.

2. General Refund Policy

  • All transactions processed through MOS Utility Limited are subject to successful completion and confirmation from the respective service provider, bank, or partner institution.
  • Refunds, if applicable, shall be processed only after confirmation from the concerned partner or service provider.
  • Convenience fees, service charges, gateway charges, taxes, and commissions are non-refundable unless otherwise required under applicable laws.

3. Recharge Services

Successful Recharge

  • Once a mobile/DTH recharge is successfully processed, cancellation is not permitted.
  • No refund shall be provided for successful transactions.

Failed or Pending Recharge

  • In case the transaction amount is debited but recharge fails, the amount will be automatically refunded to the source account or settled wallet within 3 to 7 working days, subject to confirmation from the respective operator or payment gateway.

4. Bill Payment Services (BBPS)

Successful Bill Payment

  • Bill payments successfully processed through BBPS cannot be cancelled.
  • Any excess payment or billing dispute shall be handled directly with the respective biller.

Failed Transactions

  • If the amount is debited and the bill payment is unsuccessful, the refund shall be processed within T+3 to T+7 working days, depending upon the bank and biller reconciliation process.

5. Domestic Money Transfer (DMT)

  • Domestic Money Transfer transactions, once successfully completed, are irreversible and cannot be cancelled.
  • In case of failed or timed-out transactions where the beneficiary account is not credited, refunds shall be processed after reconciliation with the partner bank, generally within 3-7 working days.

6. AEPS Transactions

  • Cash withdrawal, balance enquiry, mini statement, and Aadhaar-enabled payment transactions once completed successfully cannot be cancelled.
  • In case of debit without successful transaction completion, refund timelines shall be governed by NPCI and sponsor bank dispute resolution guidelines and may take up to 7 working days.

7. Travel Booking Services

Rail Ticket Booking

Cancellation

  • Cancellation of train tickets shall be governed by IRCTC policies and applicable railway rules.
  • Users may cancel tickets through the designated platform before chart preparation, subject to railway regulations.

Refund

  • Refunds shall be processed as per IRCTC refund rules after deduction of applicable cancellation charges.
  • Service charges, convenience fees, and gateway charges charged by MOS Utility Limited are non-refundable.

Bus, Flight and Hotel Booking

  • Cancellation and refund shall be governed by the policies of the respective service provider.
  • Applicable cancellation charges and service fees shall be deducted before processing refunds.
  • Refunds for failed transactions shall be processed after reconciliation within 1 to 2 working days.

8. Wallet and PPI Services

  • Wallet top-up transactions are non-cancellable and non-refundable once successfully completed.
  • Refunds for failed wallet loading transactions shall be processed after reconciliation within 3 to 7 working days.

9. API and Software Services

Subscription Charges

  • API setup fees, onboarding fees, annual maintenance charges, and software subscription fees are non-refundable once activation or access has been provided.

Service Charges

  • Usage-based charges and transaction fees already consumed are non-refundable.

10. POS Devices and Hardware Products

Cancellation

Orders for POS devices or hardware products may be cancelled only before dispatch.

Refund

Refunds for cancelled orders shall be processed within 7 to 15 working days after deduction of applicable logistics and handling charges.

Defective Products

Any manufacturing defect shall be handled as per the warranty policy of the manufacturer or OEM partner.

11. Duplicate Transactions

In case of duplicate debit or multiple charges for the same transaction:

  • The excess amount shall be refunded after successful reconciliation.
  • Refunds are generally processed within 3 to 7 working days and may vary depending on banking partners.

12. Chargeback and Disputed Transactions

  • Customers may raise disputes through their issuing bank or directly with MOS Utility Limited.
  • MOS reserves the right to investigate disputed transactions and seek supporting documents.
  • Fraudulent or unauthorized claims may result in rejection of refund requests and reporting to the appropriate authorities.

13. Force Majeure

MOS Utility Limited shall not be liable for delays in refund processing caused by:

  • Network failures;
  • Banking system downtime;
  • NPCI or partner bank outages;
  • Government restrictions;
  • Natural calamities;
  • Technical issues beyond the control of MOS Utility Limited.

14. Refund Processing Timelines

Transaction Type Refund Timeline
Recharge 3-7 Working Days
BBPS Bill Payment 3-7 Working Days
DMT 3-7 Working Days
AEPS Up to 7 Working Days
Duplicate Debit 3-7 Working Days
Wallet Loading Failure 3-7 Working Days
Travel Booking Refund 1-2 Working Days
Hardware Order Cancellation 7-15 Working Days