Disclaimer – DiwaPay (Diwa Pay) Official
Risk Disclosure & Legal Information
This page contains the complete official disclaimer of DiwaPay (Diwa Pay). Read it carefully before buying, selling, or trading USDT and DP Coins on the platform.
General Disclaimer – DiwaPay Official
The information provided on diwapay.org.in is for general informational purposes only.
DiwaPay (Diwa Pay) is a P2P (peer-to-peer) digital coin trading platform. All information on this website — including guides on DP Coin, USDT trading, UPI payments, and referral rewards — is published in good faith and for general information only. We make no warranty regarding the completeness, reliability, or accuracy of this information.
Any action you take based on the information on this website is strictly at your own risk. DiwaPay Official is not liable for any losses or damages in connection with the use of our website or platform.
Financial Risk Disclosure – P2P Trading Risks
Understand the financial risks involved in Diwa Pay P2P trading.
Digital asset trading carries a high level of risk. Before using DiwaPay, you must understand:
- No Guaranteed Returns – Commissions (4.2–5%) and referral rewards depend entirely on actual trading activity. There is no guarantee of income.
- Counterparty Risk – In P2P trading you transact directly with other users. A counterparty may delay or default on payment.
- DP Coin Value – DP Coin's ₹112 value is set by the platform, not by any market or regulator. It has no backing from RBI or any government authority.
- Referral Income Risk – Referral earnings (3% L1 + 1.5% L2) require your referred team to actively trade. Income from referrals is not passive or assured.
- Liquidity Risk – You may not always find a buyer or seller instantly for your desired amount.
- Bank Account Risk – Receiving frequent P2P credits via UPI may lead to bank account review, holds, or freezes by your bank.
Risk Warning: Never invest or trade with money you cannot afford to lose. Start with the minimum amount to test the platform. Past earnings of any user do not guarantee your future earnings.
Legal Status of DiwaPay in India
Where Diwa Pay stands under Indian law and regulation.
- Not RBI Regulated – DiwaPay is not a bank, NBFC, or RBI-regulated entity. Deposits and holdings are not insured or guaranteed by any regulator.
- Regulatory Uncertainty – Virtual digital asset (VDA) regulations in India are evolving. Rules may change and affect platform operations.
- Tax Obligations – Under the Income Tax Act, income from VDA transfers is taxed at 30% plus applicable cess, with 1% TDS on specified transactions. You are solely responsible for reporting and paying your taxes.
- No Legal Advice – Nothing on this website constitutes legal, tax, or investment advice. Consult a qualified professional for your situation.
- Age & Eligibility – The platform is only for users who are 18+ and legally permitted to use digital asset services in their jurisdiction.
User Responsibilities – Your Duty of Care
What every Diwa Pay user is responsible for.
- Verify every payment in your own UPI app (Google Pay, PhonePe, Paytm) before releasing coins.
- Never share your OTP, UPI PIN, password, or account details with anyone — including people claiming to be support.
- Use only the official website and app. Fake APKs can steal your data and funds.
- Keep records – screenshots of all orders, payments, and communications.
- Report fraud immediately via in-app Support and, for financial cybercrime, the National Cyber Crime Portal (cybercrime.gov.in) or helpline 1930.
- Do not use the platform for money laundering, mule transactions, or any illegal activity. Such accounts are suspended and may be reported to authorities.
External Links Disclaimer
Our policy on third-party links from diwapay.org.in.
This website may contain links to external sites, including the official Telegram community and the trading app. We do not control and are not responsible for the content, privacy practices, or availability of third-party websites. Visiting external links is at your own discretion and risk.
Copyright & Intellectual Property
Ownership of content on Diwa Pay Official.
All content on this website — text, graphics, logos, and design — is the property of DiwaPay Official unless otherwise stated. Unauthorized reproduction, copying, or redistribution of this content is prohibited. Fake websites copying our content or impersonating DiwaPay (Diwa Pay) should be reported to us via in-app support.
Disclaimer FAQs – DiwaPay (Diwa Pay)
Most asked questions about Diwa Pay risks, legality, and safety.
Is DiwaPay regulated by RBI?
No. DiwaPay (Diwa Pay) is not a bank or RBI-regulated entity. Digital asset P2P platforms in India operate outside traditional banking regulation. Use at your own risk.
Is DiwaPay income taxable in India?
Yes. Income from virtual digital asset transfers is taxed at 30% plus cess, and 1% TDS applies on specified transactions. You are responsible for reporting earnings in your ITR.
Is the DP Coin price of ₹112 guaranteed?
The ₹112 value is fixed by the platform for trading convenience. It is not backed by RBI, any government, or any reserve. Platform-set pricing can carry its own risk.
Are referral commissions guaranteed income?
No. Referral earnings (3% L1 + 1.5% L2) depend entirely on your referred users' trading volume. There is no guaranteed or fixed income from referrals.
What should I do if a trade goes wrong?
Use the in-app Appeal button to freeze the order, contact in-app support, keep payment proof, and for financial fraud file a complaint at cybercrime.gov.in or call 1930.
Can my bank account be frozen for P2P trading?
Possible. Banks may review, hold, or freeze accounts receiving frequent P2P credits if transactions are flagged. Trade in moderation and maintain records of legitimate trades.
Does this website give investment advice?
No. All content on diwapay.org.in is informational only and does not constitute investment, legal, or tax advice.
Is DiwaPay responsible for losses I suffer?
Use of the website and platform is at your own risk. DiwaPay Official is not liable for trading losses, counterparty defaults, or decisions made based on website content.
Read More Official Pages
Complete transparency for every Diwa Pay user — safety guides, privacy policy, and support.