1. Services

1. 1. You hereby confirm to register with us to avail of a loan/credit from one or more lending partners using the services provided by Legalpay. 

1. 2. You hereby understand and acknowledge that the information requested from you is used for the various purposes as set out in our Privacy Policy (https://legalpay.in/privacy-policy/), including for the purposes of us / our partners to comply with various laws, regulations, and guidelines (including Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards / Combating of Financing of Terrorism (CFT) / Obligation of banks under the Prevention of Money Laundering Act, 2002) promulgated by the Government of India from time to time. You further acknowledge that if you do not provide the requested information to Legalpay, Legalpay or its partners will be unable to provide or continue its / their services to you. 

1. 3. You confirm that all information is given to Legalpay (whether in Legalpay’s online form or otherwise) is true, correct, and not misleading. You agree to provide any additional documents to Legalpay or any of its partners as may be required from time to time. 

1. 4. You hereby understand that every time you wish to make a payment using Legalpay Max, you will be provided with online loan terms and conditions. Upon clicking ‘I Accept’ you and your successors/ heirs/ executors will be bound by the terms of the loan in relation to the credit facility. You understand and agree that Legalpay may charge you a non-refundable administrative fee or a technology usage fee for facilitating the loan to be availed by you and you agree to pay the same. You must understand that this fee may not be refundable to you even if the loan is cancelled for any reason whatsoever. 

1. 5. You hereby understand that when you apply for a loan, you authorize Legalpay and its lending partners (Banks and NBFCs) to fetch your credit information records from credit bureaus, and any information available to Legalpay through any of its sources, including those at credit information companies (CICs); those at fraud prevention agencies (FPAs) and its own records, for assessing your creditworthiness, verifying identity to prevent and detect crime and money laundering 

1. 6. You also agree that if you avail of any loans through Legalpay, you will not 
   (i) use the proceeds thereof for any purpose other than as declared to Legalpay or our lending partners,  
   (ii) accept or attempt to receive the credit facility in the form of cash or any other means,  
   (iii) use the Services in violation of applicable law or 
   (iv) circumvent or attempt to circumvent the provisions of any terms that apply to you or act in a manner that is fraudulent, malicious or otherwise prejudicial to Legalpay’s reputation direct or indirect interests in relation to the services. 

    1.7. Your lender also has the right, and obligation, to report your details to CICs in the event that you have delayed           

         repaying your loan instalment. 

1. 8. You acknowledge that Legalpay does not lend any money directly to you, but arranges the loan for you from one or more lending partners. 

1. 9. The Legalpay credit limit provided to you is our assessment of your eligibility based on various factors including the policies of our lending partners, the market influences, and our previous experiences. 

1. 10. You acknowledge that interest rates may vary across different lenders, borrowers, and loans. 

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    2. Eligibility

    2.1.This Site is intended solely for Users who, are eighteen (18) years of age or older, and any registration by, use of, or 

        access to the Site by any person under 18 is unauthorized, unlicensed, and in violation of these Terms of Use.  

    2.2. By using the Service or the Site, you represent and warrant that you are 18 years or older and that you agree to         

        and will abide by all of the terms and conditions of these Terms of Use. 

    2.3. If you violate any of these Terms of Use, or otherwise violate an agreement between you and us, the Company may

        terminate your account, delete your profile and data, and/or prohibit you from using or accessing the Service or the

        Site (or any portion, aspect or feature of the Service or the Site), at any time in its sole discretion, with or without

        notice, including without limitation if it believes that you are under 18.  

    2.4. Legalpay Technology Private Limited is a technology service provider and we facilitate the

        application/processing/disbursal and closure of loans. The terms and conditions of the lender apply independently

        and supersede any information present here. 

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    3. Indemnification

    3.1. Legalpay shall not be responsible or liable for any loss or damage, howsoever caused or suffered by the User

       arising out of the use services offered by Merchant or due to the failure of Merchant to provide services to the Users

       for any reason whatsoever including but not limited to the User's non-compliance with the Service’s terms,

       malfunction, partial or total failure of any network terminal, data processing system, computer telecom transmission

       or telecommunications system or other circumstances whether or not beyond the control of Legalpay or any person

       or any organization involved in the above-mentioned systems. 

     3.2. Legalpay will not be liable for any damages of any kind arising from the use of the services offered by the 

       Merchant including, but not limited to direct, indirect, incidental, punitive, and consequential damages. 

     3.3. Legalpay shall not be liable for any Content that you may find indecent, offensive or objectionable. You shall use

        the Services at your own risk. 

     3.4. Legalpay will take all reasonable measures to ensure that the Merchant should fulfil his duty properly but there 

        may be exceptions and therefore Legalpay will not be held liable for any such compensation on account of the

        Merchant not meeting the expectations of Users. 

      3.5. Legalpay shall not be liable for any conduct of the Merchant or the Financial Partner. Legalpay encourages Users

         to notify any complaints that the User may have against any Merchant that the User may have. 

      3.6. No advice or information, whether oral or written, obtained by you from Legalpay or through or from the services

         shall create any warranty not expressly stated in the terms. 

      3.7. Legalpay disclaims any and all liability in respect of the Merchant and their Products provided thereof. 

      3.8. User agrees to indemnify and keep Legalpay, its affiliates and licensors indemnified against all costs, expenses,

         damages, losses, and liabilities incurred or suffered by Legalpay or its affiliated companies related to any User     

         Content posted or transmitted by User during the use of the Website or Service or any unauthorized use of the 

         Website or Service in contravention of this Agreement. 

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    4. Limitation of Liability

    4.1. In no event will the company or its directors, employees or agents be liable to you or any third party for any indirect,

       consequential, exemplary, incidental, special or punitive damages, including for any lost profits or lost data arising

       from your use of the site or the service or any of the site content or other materials on or accessed through the site,

       even if the company is aware or has been advised of the possibility of such damages.  

    4.2. You acknowledge that if no fees are paid to the company for the service, you shall be limited to injunctive relief only,

        unless otherwise permitted by law, and shall not be entitled to damages of any kind from the company, regardless of

        the cause of action. 

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    5. Termination 

    5.1. Legalpay may at any time suspend and/or terminate, in whole or in part, the services and activities performed by

       Legalpay in relation to the Buy now pay later (“BNPL”) Option and/ or Credit Line Option (including as set out

       hereunder) for any reason whatsoever, including for reasons of breach by the User of the T&Cs, terms, and conditions

       agreed with the Partner Financial Institution and/or any of the policies made available on the Legalpay Platform. 

    5.2. The User may terminate its arrangement with Legalpay in relation to the User Account by writing to the Legalpay

       customer care team and after repayment of all amounts due and payable to Legalpay and/ or Partner Financial

       Institution. 

    5.3. In the event of any termination or suspension of services or the User Account, the User shall be liable to pay in full

       all amounts due and payable to Legalpay and/ or Partner Financial Institution as set out in the relevant BNPL

       Statement or credit amount due to be payable to Partner Financial Institution or otherwise as provided under the

       T&Cs. 

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    6. Governing Law and Dispute Resolution

    6.1. Notwithstanding anything to the contrary contained herein, any dispute, controversy and/or claim arising out of

       and relating to this contract, including its construction, interpretation, meaning, scope, operation, effect and / or

       validity thereof (“Dispute”), shall be resolved by mediation /or arbitration, as the case may be, administered by Bharat

       Dispute Resolution (BDR), an independent institution, in accordance with its Dispute Resolution Rules (“Rules”). 

    6.2. The parties agree that the arbitration shall be before a sole arbitrator appointed under the Rules. The juridical seat

       of arbitration shall be New Delhi, India. The language of arbitration shall be English. The law governing the arbitration

       proceedings shall be Indian law. The decision of the arbitrator shall be final and binding on the parties. Subject to the

       above, the competent courts at the seat shall have exclusive jurisdiction.  

   6.3. The parties agree to carry out the arbitration proceedings virtually through the online dispute resolution (“ODR”)     

       platform of (www.bharatdisputes.com) and, for such purpose, the email addresses and / or mobile numbers available,

       provided or otherwise referenced in the contract shall be considered. Each party shall be responsible for intimating \

       such institution in the event of any change in its email address and/or mobile number throughout the arbitration

       proceedings. In the event the arbitration proceedings cannot be administered virtually in the opinion of the arbitrator,

       the proceedings shall be conducted physically, and the venue of the proceedings shall be as determined by the 

       arbitrator having regard to the circumstances of the case, including the convenience of the parties. 

    6.4. You expressly consent to the personal jurisdiction of said courts and waive any objection to such personal

       jurisdiction based on forums non-convenience or any other basis. 

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    7. Copyright and Trademark

    7.1. All related icons and logos are registered trademarks or service marks of Legalpay in various jurisdictions and are

       protected under applicable copyright, trademark, and other proprietary rights Applicable Laws. The unauthorized

       copying, modification, use, or publication of these marks is strictly prohibited.  

    7.2. All content on the Website and Service is the copyright of Legalpay except the third party content and any link to a 

       third-party websites on our Website. 

    7.3. Any systematic retrieval of Legalpay content to create or compile, directly or indirectly, a collection, compilation,

       database, or directory (whether through robots, spiders, automatic devices, or manual processes) without written

       permission from Legalpay is prohibited. 

    7.4. In addition, the use of the content for any purpose not expressly permitted in this agreement is prohibited and may

       invite legal action. As a condition of Your access to and use of Legalpay's Services, You agree that You will not use the

       Website and/or Service to infringe the intellectual property rights of others in any way. Legalpay reserves the right to

       terminate the account of a User(s) upon any infringement of the rights of others in conjunction with the use of

       Legalpay’s Service, or if Legalpay believes that the User’s conduct is harmful to the interests of Legalpay, its affiliates,

       or other Users, or for any other reason in Legalpay's sole discretion, with or without cause. 

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    8. Consent 

    8.1. By clicking on the tab/button/ checkbox of “Legalpay” or any other button/checkbox of similar nature,  

        8.1.1 You confirm that eligible under Applicable Law to contract with Legalpay,  

        8.1.2. You consent to conduct transactions, accept the terms and conditions of this Agreement and the Privacy \   

               Policy as displayed on the Website and  

        8.1.3. You consent to receive communications, notices and information from us through post or other physical

               medium or electronically (whether through SMS, emails, phone calls, and automated phone calls).  

        8.1.4. Electronic communications shall be deemed to have been received by you when we send the electronic \

               communication to the email address/mobile number/details provided by  

        8.1.5. You during the sign-up process as per our records, or when we post the electronic communication on the   

               Website. 

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    9. Force Majeure 

       Legalpay and/ or Partner Financial Institution shall not be liable for its failure to perform under the T&Cs as a result of 

       the occurrence of any force majeure events including an act of God, fire, wars, sabotage, civil unrest, labour unrest,

       the action of statutory authorities or local or central governments and/or change in Applicable Law, that may affect

       the performance of Legalpay, Partner Financial Institution, payment gateways and/or the Partner Merchant.