1.1 This platform, designed for use on your electronic device, is provided by ZxPe Services Pvt Ltd ("Company "), a private limited company registered under the Companies Act, 2013. The Company ' s registered office is located at 4th Floor, Unit No 405, Plot No 27A, Block A, Sector 62, Noida (U.P.)- 201309. Throughout this document, the terms " we, " " us, " and " our " refer to the Company. These Terms & Conditions govern all users who access, use, or purchase any products or services from the Company (collectively, the "Services ") through mobile applications, online channels, and other interactions with the Company or its affiliates (collectively, the "Platform ").
1.2 The Terms & Conditions, Privacy Policy, and other applicable policies (collectively, the "Policies "), as updated from time to time, govern your access to and use of our Platform and Services.
1.3 These Terms & Conditions constitute a legally binding agreement between you and the Company regarding access to and use of the Platform and Services.
1.4 Please read these Terms carefully. By downloading, installing, accessing, or using the Platform or Services (whether in whole or in part), you confirm that you have read, understood, and agreed to be bound by these Terms. By accepting these Terms, you also confirm that you are either of legal age in your state of residence or have obtained the necessary consent from a legal guardian. If you do not agree with these Terms or any of our Policies, please discontinue the use of our Platform and Services immediately.
1.5 Upon your acceptance of these Terms and our Policies (which are incorporated herein by reference), the Company grants you a limited, personal, worldwide, revocable, non-assignable, and non-exclusive license to use our Services strictly as permitted under these Terms and Policies.
1.6 The section headings in these Terms are provided for convenience only and do not affect their interpretation.
2.1 As part of the registration process, you will create a username and password to access the Platform. Your chosen username should be reasonably descriptive and clearly identify you or your business. For security purposes, your password should be complex and must not contain easily identifiable personal information. You are solely responsible for maintaining the confidentiality of your credentials and must not share them with any third party. Any actions taken using your credentials will be deemed authorized by you, and you assume all associated risks.
2.2 In the event of a dispute regarding ownership of an account, the Company reserves the right to be the sole arbiter, and its decision— including account suspension or termination—shall be final.
2.3 You must ensure that your device (computer, laptop, tablet, or mobile) meets the necessary technical specifications for using the Services.
2.4 The Company reserves the right to block, disable, or delete any login credentials at its sole discretion if:
- You fail to comply with any provisions of these Terms.
- The information provided for registration is found to be false or
misleading.
2.5 You consent to the collection, use, and disclosure of your personal information, as required for accessing and delivering our Services, in accordance with our Privacy Policy.
2.6 We may collect technical data (such as device and software details) to improve our Services.
2.7 As part of our Services, we may periodically send promotions, offers, or updates based on your preferences. You may opt out of such communications at any time.
2.8 Any new features, tools, or services introduced will also be subject to these Terms. We reserve the right to update or modify these Terms at any time. Your continued use of the Services after any modifications constitutes acceptance of the revised Terms.
3.1 All content provided through the Services is on an " as is " basis. You may access this content solely for your personal use and must not copy, reproduce, distribute, or exploit it for any other purpose.
3.2 You must not reverse-engineer, modify, or create derivative works of the Services.
3.3 The Company does not guarantee the accuracy or reliability of content provided through the Platform. Users access all content at their own risk and agree to waive any legal claims against the Company related to such content.
4.1 You agree to comply with the rules and regulations set forth by financial institutions, payment system providers, and card networks while using our Services.
4.2 These institutions may reject payments, impose restrictions, or suspend accounts at their sole discretion. It is your responsibility to remain updated and comply with their guidelines.
5.1 Your transactions may be declined or rejected by banks, payment providers, or regulatory authorities due to various reasons, including:
5.2 The Company and payment providers reserve the right to block or blacklist specific cards, accounts, or devices to mitigate risks.
5.3 As a risk management measure, we may impose limits on transaction size, volume, or frequency.
6.1 Once your payment is successfully processed, we will update your account with a transaction confirmation.
6.2 We are not responsible for transactions that have not been confirmed by the payment provider. You are solely responsible for maintaining records of your transactions.
7.1 The Company acts solely as an intermediary for online money transfers and does not participate in clearing, settlement, or direct processing of transactions. We are not liable for any losses or disputes arising from transactions.
8.1 All rights, titles, and interests in the Platform and Services remain the exclusive property of the Company.
8.2 Feedback and suggestions provided by users may be used by the Company without obligation or compensation.
8.3 Users do not acquire any ownership over the Platform’s intellectual property, trademarks, or content. Any unauthorized reproduction, modification, or distribution is strictly prohibited.
9.1 You are strictly prohibited from using our Services for :
-Unlawful activities or fraudulent transactions.
- Violating local, national, or international laws.
- Infringing upon intellectual property rights.
- Harassing, defaming, or abusing others.
- Submitting false or misleading information.
- Uploading malicious software or viruses.
- Collecting user data without authorization
The Company *reserves the right to suspend or terminate accounts* found in violation of these restrictions