# Kiity Pay


## Posts

- [What is a holdback, and why do kitty groups use one?](https://kittypay.in/what-is-a-holdback/): A holdback is a small share of a payout kept back by the group. Here is how it is calculated, why groups use it and how to agree on it.
- [Paying your kitty by UPI: a safety checklist](https://kittypay.in/pay-your-kitty-by-upi-safely/): UPI makes kitty payments instant, but a wrong UPI ID or a fake request can cost you. Follow this checklist every month.
- [How a monthly kitty works (and how to keep it fair)](https://kittypay.in/how-a-kitty-works/): A kitty is a group of people who each put the same amount in every month, and one member takes the pot each month. Here is the whole cycle, step by step.

## Pages

- [Contact & Support](https://kittypay.in/support/): Questions about a payment or payout? Contact your group administrator first. For help with the app, reach the support team using the details below.
- [Payments & Refund Policy](https://kittypay.in/refund-policy/): Last updated: .
- [Disclaimer & Risk](https://kittypay.in/disclaimer/): Last updated: . Please understand these risks before joining a kitty group.
- [Terms and Conditions](https://kittypay.in/terms-and-conditions/): Last updated: . Please read these terms carefully.
- [Privacy Policy](https://kittypay.in/privacy-policy-kittypay/): Last updated: . This policy explains how at collects and uses personal data. It is a template — please have it reviewed before going live.
- [Join a Kitty](https://kittypay.in/join/)
- [Log in](https://kittypay.in/login/)
- [How It Works](https://kittypay.in/how-it-works/)
- [About KittyPay](https://kittypay.in/about-kittypay/): is a simple record-keeping app for monthly group savings (often called a kitty, committee or BC).
- [KittyPay](https://kittypay.in/)
- [Blog](https://kittypay.in/blog/)


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