Terms of Use

• The Services are not available to persons under the age of 18 or to anyone previously suspended or removed by the Company from availing the Services or accessing the Platform.
• By accepting these Terms or by otherwise using the Services on the Platform, You represent that You are at least 18 years of age and have not been previously suspended or removed by the Company, or disqualified for any other reason, from availing the Services or using the Platform.
• In addition, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and to abide by all the Terms.
• Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity. In the event of any violation of the Terms, Company reserves the right to suspend or permanently prevent You from availing the Services or using the Platform.

You understand and acknowledge that except for Services clearly indicated as being supplied by the Company, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that the Company cannot and does not guarantee or warrant that files available for download through the Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy your particular requirements of Internet security and for accuracy of data input and output.

By accepting these Terms, You accept the following:

• The Company may send alerts to the mobile phone number provided by You while registering with the Platform for or on any updated mobile number subsequently provided by You on the Platform, or via e-mail or push notifications. The alerts will be received in case of SMS, only if the mobile phone is in 'On' mode to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and in case of push notifications, if the user has enabled the receipt of such notifications. If the mobile phone is in 'Off' mode or if the e-mail servers or ids are not functional or if the push-notifications feature has been turned off, then You may not get the alert at all or get delayed messages.
• The Company will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall be deemed that You shall have received the information sent from the Company as an alert on the mobile phone number or e-mail id provided during the course of, or in relation to, using the Platform or availing any Services. The Company shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold the Company liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.
• You authorize the Company to contact You and communicate with You for any Service. The Company may use third party service providers to send alerts or communicate with You.
• You authorize the Company to share your data (including but not limited to your name, mobile number, etc.) with third-parties for marketing and promotional purposes and to use such transaction data for the purposes such as cross-sell/ promotions/ offers/ value added services/ increasing transactions/ better user experience, and other similar or allied purposes.
• The SMS/e-mail alert/push notification service provided by the Company is an additional facility provided for your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event that You observe any error in the information provided in the alert, the Company shall be immediately informed about the same by You and Company will make best possible efforts to rectify the error as early as possible. You shall not hold the Company liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by You on account of the SMS/e-mail alert/push notification facility.
• The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push notification service depend on many factors including the infrastructure and connectivity of the service provider. The Company shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.
• You will indemnify and hold harmless the Company and the SMS/e-mail service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney's fees which the Company or the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any of the following: (i) misuse by You or improper or fraudulent information provided by You; (ii) incorrect number or a number that belongs to an unrelated third party provided by You.

By accessing or using the Platform or by availing Services, You agree not to:

• violate these Terms;
• impersonate any person or entity, falsely claim or otherwise misrepresent Your affiliation with any person or entity, or access the accounts of others without permission, forge another person's digital signature, misrepresent the source, identity, or content of information transmitted via the Services, perform any other similar fraudulent activity or otherwise avail Services with what we reasonably believe to be potentially fraudulent funds;
• infringe our or any third party's intellectual property rights, rights of publicity or privacy;
• use the Services if You are under the age of 18 years without a parental sponsor and in accordance with applicable law;
• post or transmit any message which is libellous, defamatory or which discloses private or personal matters concerning any person;
• post or transmit any message, data, image or program which is pornographic, vulgar or offensive in nature;
• refuse to cooperate in an investigation or provide confirmation of your identity or any other information provide by You to the Company;
• remove, circumvent, disable, damage or otherwise interfere with security-related features of the Services and the Platform or features that enforce limitations on the use of the Services or the Platform;
• reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of as regards Services or Platform or any part thereof;
• use the Services or the Platform in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the Services or the Platform in an automated manner;
• modify, adapt, translate or create derivative works based upon the Services and the Platform or any part thereof, except and only to the extent that that this is permissible by applicable law;
• intentionally interfere with or damage operation of the Services or the Platform or any other user's enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features;
• use any robot, spider, other automatic device, or manual process to monitor or copy the Platform without prior written permission;
• interfere or disrupt the Platform or networks connected to the Platform;
• take any action that imposes an unreasonably or disproportionately large load on the Company's infrastructure/network;
• forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Platform or to manipulate your presence on the Platform;
• sell the Services, information, or software associated with or derived from it;
• use the facilities and capabilities of the Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others;
• breach this Agreement or any other agreement or policy as may be applicable pursuant to your use of the Platform or any of the Services;
• provide false, inaccurate or misleading information;
• use the Platform to collect or obtain personal information, including without limitation, financial information, about other Users of Platform, except and only as expressly provided in these Terms;
• avail Services with what Company reasonably believes to be potentially fraudulent funds;
• use the Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to the Company, a third party or You;
• use the Services in a manner that the Company or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules;
• take any action that may cause the Company to lose any of the Services from its service providers or lose any of its partners, including mobile operators or telecom companies, payment processors or other suppliers;
• send automated request of any kind to the Platform without express permission in advance from the Company.

You agree that the Company, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate your account (or any part thereof) or your use of the Services/Platform and remove and discard on the Platform all or any part of your account, your user profile at any time. The Company may also in its sole discretion and at any time discontinue providing access to the Services, or any part thereof, with or without notice. You agree that any termination of your access to the Services/Platform or any account You may have or portion thereof may be effected without prior notice, and You agree that the Company will not be liable to You or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies the Company may have at law or in equity. Upon termination for any reason, You agree to immediately stop using the Services/Platform.

• In no event, the Company or its contractors, agents, licensors, partners or suppliers will be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the Services, the Platform or any reference site/app/platform/service; or (iii) your use or inability to use the Services, the Platform (including any and all materials) or any reference sites/app/platform/service, even if the Company or a Company authorized representative has been advised of the possibility of such damages.
• In no event, the Company, its directors, employees, agents will be liable to You for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the Services, the Platform or any reference site/app/platform/service; or (iii) your use or inability to use the Services, the Platform (including any and all materials) or any reference sites/app/platform/service; or (iv) any other interactions with the Company, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by You, if any, for using the portion of the Service or the Platform giving rise to the cause of action, or beyond or in excess INR 1,00,000/- (Indian Rupees One Lakh only), whichever is less.
• You acknowledge and agree that the Company has offered its Services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between You and the Company, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between You and the Company. The Company would not be able to provide the Services to You on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to You subject to applicable law. In such cases, Company's liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement.

You agree to indemnify, save, and hold the Company, its affiliates, employees, officers, directors and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) your use or misuse of the Services or of the Platform; (ii) any violation by You of this Agreement; or (iii) any breach of the representations, warranties, and covenants made by You herein. The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the Company, including rights to settle, and You agree to cooperate with the Company's defense and settlement of these claims. The Company will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

• To the fullest extent permissible pursuant to applicable law, Company and its third-party partners disclaim all warranties or guarantees- whether statutory, express or implied- including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by You from Company or through the Services or the Platform will create any warranty or guarantee other than those expressly stated herein.
• For the purposes of this disclaimer, You expressly acknowledge that as used in this section, the term "Company" includes Company's officers, directors, employees. You expressly agree that use of the Services on the Platform is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. Company does not warrant that the Company Services will be uninterrupted or error-free or that defects in the site will be corrected.
• The Services and the Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an "as is" and "as available," "with all faults" basis and without warranties or representations of any kind either express or implied.
• Company, and its partners do not warrant that the data, software, functions, or any other information offered on or through the Services/Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. Company and its licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the Services/Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise.
• You understand and agree that You use, access, download, or otherwise obtain information, materials, or data through the Services/Platform or any reference sites/platforms/apps/services at your own discretion and risk and that You will be solely responsible for any damage to your property (including your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data.
• We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement. This paragraph shall survive termination of this Agreement.

• The Services and the Platform are owned and operated by the Company. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Services and the Platform provided by the Company (hereafter "Materials") are protected by copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between You and the Company, all Materials, trademarks, service marks, and trade names contained on the Platform are the property of the Company. You agree not to remove, obscure, or alter the Company or any third party's copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Services/Platform.
• Except as expressly authorized by the Company, You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials.
• The Company reserves all rights not expressly granted in this Agreement. If You have comments regarding the Services and/or the Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, You hereby irrevocably assign to the Company, and shall assign to Company, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

• The Company reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the Platform or otherwise communicating the notification to You. The changes will become effective, and shall be deemed accepted by You, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to your use of the Platform, availing the Services or for payment transactions initiated after the posting date. If You do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Services/Platform. For certain changes, the Company may be required under applicable law to give You advance notice, and the Company will comply with such requirements. Your continued use of the Platform following the posting of changes will mean that You accept and agree to the changes.

The Company may provide You with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the Platform or by any other reasonable means. Except as otherwise set forth herein, notice to the Company must be sent by courier, email or post to the registered address of the Company.

You may also contact us as per the 'Contact Us' section provided in the Privacy Policy.

The failure of the Company to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by the Company.

All pricing and fees for the Service's offerings will be clearly stated in local currency. Fees may be one-time or usage-based as specified. Prices are exclusive of taxes unless otherwise indicated. The Platform will collect all applicable taxes as required by applicable law and may update fees or introduce new fees subject to prior notice. Any promotional pricing (including discounts, coupons, or introductory offers) are subject to separate terms. The Platform reserves the right to change prices or billing cycles at its discretion; changes will be communicated to Users in advance and will not affect payments already made for current billing cycles. Users are responsible for all fees and charges associated with their use of the Service, including applicable taxes and currency conversion fees for cross-border transactions.

The Platform accepts various payment methods in compliance with applicable regulations. Typical payment methods may include credit cards, debit cards, net banking, Unified Payments Interface (UPI) in India, mobile wallets, and other electronic payment options. All payments shall be processed through licensed payment gateways or payment aggregators in accordance with applicable law. Payment processing is subject to the terms and security policies of the payment providers. The Platform does not store sensitive payment credentials (e.g. full card numbers) unless expressly required and encrypted in compliance with applicable law and standards. In case of failed transactions or payment failures, the Platform will follow guidelines under applicable law to ensure prompt refunds to the original payment source. Users must maintain sufficient funds or credit limits and timely settle any outstanding balances, as failure to pay may result in suspension or termination of Service.

The Platform has a fair refund policy in line with industry and regulatory standards. Refunds and cancellations are governed as follows:

• Eligibility Criteria: Users may request cancellation of paid Services before activation or commencement of the Service (e.g. before access to digital content or delivery of goods) to obtain a full or partial refund, as specified at the time of purchase.
• Non-Refundable Items: Certain fees may be non-refundable (e.g. registration fees, administrative fees, digital goods after delivery, transaction fees, taxes). These will be clearly disclosed. Once a Service has been fully provided (e.g. a completed download, activated account feature, delivered goods), no refund is due for that portion of the Service.
• Timelines and Process: Refunds for failed or canceled transactions will be processed promptly and in accordance with applicable law, any refund for a transaction failure or cancellation will be completed within a reasonable period (typically 7-10 working days). To initiate a refund or cancellation, Users must follow the Platform's official procedure. The Platform will verify the request, and if eligible, will credit the refund to the original mode of payment. If the original payment method is unavailable, refunds may be issued by alternative means agreed with the User in advance.
• Fraud Prevention: The Company reserves the right to refuse or delay refunds in cases of suspected fraud, abuse, or violation of these Terms. This includes repeated refund requests without a valid basis, identity theft, or chargeback abuse. The Company may take additional steps to verify the User's identity and the legitimacy of transactions. As required by law, fraudulent activity may be reported to law enforcement or regulatory authorities.
• Cross-Border Refunds: For payments made in foreign currency or outside the User's home country, refunds will be processed subject to regulations under applicable law. The refunded amount will reflect the original transaction amount, but currency fluctuations, fees, or taxes may affect the final amount received. The Company will comply with any legal prescriptions on cross-border remittances and taxes when processing refunds.

Users are encouraged to resolve billing disputes directly with the Platform. If a User believes an unauthorized or erroneous charge has occurred, they should first contact the Platform's support to attempt resolution. Should the User initiate a chargeback with their bank or card issuer, the Platform will have the right to contest the chargeback and provide evidence of authorization and fulfillment of Services. Repeated or unwarranted chargebacks may lead to suspension or termination of the User's account. Any chargeback fees imposed on the Platform by banking networks may be passed on to the User if the chargeback is deemed unjustified.

The Company provides certain financial and digital Services that may be subject to regulation. Unless expressly stated, the Platform is not a bank, insurance company, stockbroker, or licensed financial advisor. The Platform's Services should not be construed as investment advice or a promise of returns. Users assume the risks of using the Platform, including the risk of financial loss, data breaches, or service outages.

• No Deposit Insurance: Funds stored in digital wallet services (if any) are held as prepaid payment instrument balances and are not covered by deposit insurance or government guarantees. Funds will be maintained as per applicable law.
• Foreign Exchange Risks: For cross-border transactions and remittances, the Platform will comply with applicable rules. Users should be aware of foreign exchange rate fluctuations, additional transfer fees, and limits when sending or receiving funds internationally.
• Anti Money Laundering: The Platform operates under anti-money laundering laws and may require users to complete "Know Your Customer" verification before using certain features (such as wallets, remittances, or high-value transactions). Providing false KYC information is a violation of law and these Terms.
• Service Interruptions: The Company does not guarantee uninterrupted or error-free operation. Maintenance, technical issues, or network outages may occur. The Platform is not liable for any losses due to service downtime or delays.
• Third-Party Products: Any third-party products or services offered are independent of the Platform. The Company is not responsible for the accuracy or legality of third-party offerings. Users are responsible for due diligence before transacting with third parties.

• The Platform may integrate with or rely on third-party services (such as cloud hosting, payment gateways, external content providers, or telecommunication networks). The Company is not liable for the performance, availability, or content of those third-party services. Use of any third-party service is at the User's own risk, and such use may be subject to the third party's own terms and privacy policies. The Company will use reasonable efforts to select reputable partners, but cannot guarantee continued availability or security of external services. To the extent permitted by law, the Platform disclaims all warranties and liability arising from any third-party service or content.
• The User acknowledges that the Platform (as an intermediary) shall not be liable for any third-party information, data, or communication made available or hosted on the Platform, provided that it complies with applicable due diligence and government orders. However, the Platform will act to remove any illegal or infringing content once it has actual knowledge of such content in accordance with applicable law. Users agree to cooperate with any reasonable requests by the Platform or authorities in relation to third-party content or services.

These Terms are governed by and construed in accordance with the laws of India. If any dispute, controversy or claim arises under this Agreement or in relation to any Service or the Platform, including any question regarding the existence, validity or termination of this Agreement (hereinafter "Dispute"), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within thirty (30) days of the notice of such Dispute, the Dispute shall be adjudicated upon by the courts in Ahmedabad, Gujarat (India). This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

This Agreement is the entire agreement between You and the Company relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by the Company in accordance with the terms of this Agreement.

• The Company may update or amend these Terms from time to time to reflect changes in law, regulatory requirements, security practices, operational needs, or modifications to the Platform. You are responsible for reviewing the Terms periodically to remain informed of any updates.
• The Company reserves the right to add new services in the future. These Terms may be updated accordingly to give effect to the new services in accordance with the applicable law and commercial requirements.
• If you do not wish to proceed with any modification to the Terms, you may discontinue use of the Platform and delete your account. Continued use of the Platform following the effective date of the revised Terms shall be deemed to constitute your consent to such revisions.
• The Company shall not be liable to You or any third party for any modification, suspension or discontinuation of the Platform, except to the extent required under applicable law.