Compliance & Disclosures

Last Updated: April 2026

Liberty Link is a technology and program management platform that partners with licensed banks and regulated payment institutions to offer payment solutions, card programs, and financial tools. We are not a bank and do not hold customer funds or issue cards directly.

Regulatory Compliance

Liberty Link is fully committed to complying with all applicable laws and regulations in India, including but not limited to:

Personal Information
  • • Reserve Bank of India (RBI) guidelines on Prepaid Payment Instruments (PPI), card issuance, and digital payments
  • • Prevention of Money Laundering Act (PMLA), 2002 and rules framed thereunder
  • • Know Your Customer (KYC) and Customer Due Diligence requirements
  • • Digital Personal Data Protection Act (DPDP), 2023
  • • Information Technology Act, 2000 and its amendments
  • • Foreign Exchange Management Act (FEMA), 1999 (where applicable)
  • • All guidelines issued by the Financial Intelligence Unit – India (FIU-IND)

We work exclusively with RBI-authorized partners for all banking, card issuance, and payment processing activities

Important Disclosures
  • • Not a Bank: Liberty Link does not accept deposits, provide loans, or offer banking services. All financial services are provided by our licensed banking and payment partners.
  • • Card Issuance: Visa cards (virtual and physical) are issued by our partner banks under their respective licenses.
  • Fund Holding: Customer funds are held by the partner banks in compliance with RBI PPI guidelines. Liberty Link only provides technology and program management services.
  • • Crypto Disclaimer: Any crypto-related features are offered in partnership with regulated entities and are subject to applicable laws. Liberty Link does not provide crypto trading, custody, or advisory services.
  • • No Guarantee of Service: While we strive for high availability, we do not guarantee uninterrupted access to the Platform due to technical, regulatory, or force majeure reasons.
Risk Disclosures
  • • Transaction Risks: Users are responsible for ensuring the accuracy of transaction details. Liberty Link and its partners shall not be liable for losses arising from incorrect beneficiary details or unauthorized transactions (except as per RBI guidelines).
  • • Fraud & Security: Users must safeguard their login credentials, OTPs, and devices. Immediate reporting of suspected fraud is required.
  • • FX & Cross-Border Risks: Exchange rates fluctuate and may include mark-ups. International transactions are subject to additional fees and regulatory restrictions.
  • • Rewards: Cashback and reward programs are subject to terms and may be modified or discontinued with notice.
AML & KYC Compliance

We maintain robust Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) controls. All users must complete mandatory KYC before accessing full services. Suspicious activities are reported to the appropriate authorities as required by law.

Grievance Redressal Mechanism

We are committed to resolving customer complaints promptly.

  • • Level 1: Raise your complaint via the in-app support or email at support@libertylink.com
  • • Level 2: If not resolved within 30 days, you may escalate to our Nodal Officer / Grievance Redressal Officer.
  • • Level 3: For unresolved issues, you may approach the RBI Ombudsman or Banking Ombudsman as per applicable guidelines.

Details of Grievance Redressal Officer Email: grievance@libertylink.com

Fair Practices Code

Liberty Link adheres to the RBI’s Fair Practices Code for Lenders and Service Providers. We ensure transparent communication, non-discrimination, and ethical business practices.

Updates to Compliance & Disclosures

We may update this page as required by regulatory changes or internal policy updates. Continued use of the Platform after any updates constitutes acceptance of the revised disclosures.

For any questions regarding compliance or disclosures, please contact us at

Email: compliance@libertylink.com