Terms & Conditions Please read the following terms and conditions carefully before registering, accessing, browsing, downloading or using the Pay 1 Remit app. By accessing or using the app or by using the service, you agree to be bound by these terms and conditions set forth below including any additional guidelines and future modifications. If at any time you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not access or use the application and immediately terminate your use of the services. Your Agreement to these Terms and Conditions of Service The Terms and Conditions (as may be amended from time to time, the "Agreement" is a legal contract between you, an individual customer, member, user, or beneficiary of this service of at least 18 years of age ("You"), and MindsArray Network Private Limited having its registered office at 221, Raheja's Metroplex (IJIMIMA), Link Road, Malad West, Mumbai - 400064. PAY1 is a platform owned by MindsArray Network Private Limited (hereinafter referred to as "MNPL"). MNPL is the owner of the website www.pay1.in, PAY1 mobile application, PAY1 WAP site (Collectively referred to as "PAY1") hence all the rights, benefits, liabilities & obligations under the following terms & conditions shall accrue to the benefit of MNPL. PAY1 reserves the right, at its sole discretion, to revise, add, or delete portions of these terms and conditions any time without further notice. You shall re-visit the "Terms & Conditions" link from time to time to stay abreast of any changes that the "Site" may introduce. The services hereunder are offered by PAY1, located at: MindsArray Network Private Limited: 221, Raheja's Metroplex (IJIMIMA), Link Road, Malad West, Mumbai – 400064, India. Overview of Remittance Application The Pay1 remit app provides you the Fastest, Easiest and Most Efficient Money Transfer Service in India. Pay 1 in association with corresponding bank partners brings you the convenience of transferring money from your place of residence to any Bank account across the country in a secure way. Eligibility Registration Information Prohibited Conduct By using the Services you agree not to:General ConditionsWallet chargesPrivacy Policy & Information Usage We respect your privacy at PAY1 and value your trust. Kindly read our Privacy Policy carefully for information related to our collection, use, and disclosure of your personal information. The Privacy Policy is incorporated by reference in this Agreement. Use of the PAY1 website, WAP site and applications and/ or its services constitutes acceptance of the Privacy Policy. For more information check our detailed Privacy Policy. Account Passwords and Registration If You have reason to believe that Your Account is no longer secure (e.g., in the event of a loss, theft or unauthorized disclosure or use of Your account ID, Password, or any credit, debit or prepaid cash card number or netbanking login/password, if applicable), then You agree to immediately notify PAY1 and identify PAY1 from any liabilities that may arise from the misuse of Your Account. Usernames and Password Your mobile number is a username that will identify your account and thereby all of your transactions and account related activity on PAY1. Each user can choose a valid mobile number which can be edited later only by sending a request by an e-mail to us. We encourage you to choose a strong password to protect your account. We recommend the use of upper and lower-case letters, inclusion of one or more numerical digits and/or inclusion of special characters, e.g. @, #, $ etc. It is advised that you not share your password with anyone or write it down. Make sure you sign out before leaving a computer unattended. PAY1 never, under any circumstances, asks for your account password. All Sales are Final; Refund Policy All sales of Pay1 Remit are final if it is a successful transaction. If a transaction got failed at the time of sending the request itself, then automatically the amount get credited into your wallet. If a transaction got failed due to another reasons then an OTP get generated in the sender (remitter) registered mobile number. They need to provide the OTP to CSP to initiate the refund process. Mostly the refund amount will be credited into your wallet within 2-3 days after transaction. For another scenario where a transaction was success but amount credited to a wrong beneficiary account. In this case Pay1 can only assist you and we will not entertain the mistakes anymore. KYC ComplianceTermination; Agreement Violations You agree that PAY1, 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 and remove and discard all or any part of Your account, Your user profile, or Your recipient profile, at any time. PAY1 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 or any account You may have or portion thereof may be effected without prior notice, and You agree that PAY1 will not be liable to You or any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies PAY1 may have at law or in equity. Upon termination for any reason, You agree to immediately stop using the Services. Limitation of Liability and Damages In no event will PAY1 or its contractors, agents, licensors, partners, or suppliers 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 site or any reference site, or (iii) your use or inability to use the services, the site (including any and all materials) or any reference sites, even if PAY1 or a PAY1 authorized representative has been advised of the possibility of such damages. In no event will PAY1 or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers' total liability to You for all damages, liabilities, losses, and causes of action arising out of or relating to (i) this Agreement, (ii) the Services, (iii) Your use or inability to use the Services or the Site (including any and all Materials) or any Reference Sites, or (iv) any other interactions with PAY1, however caused and whether arising in contract, tort including negligence, warranty or otherwise, exceed the amount paid by You, if any, for using the portion of the Services or the Site giving rise to the cause of action or One Thousand Rupees (Rs.1000), whichever is less. You acknowledge and agree that PAY1 has offered its products and 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 PAY1, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and PAY1. PAY1 would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions may not apply to You. In such cases, PAY1's liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive termination of this Agreement. Indemnification You agree to indemnify, save, and hold PAY1, its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, 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 Your use or misuse of the Services or of the Site, any violation by You of this Agreement, or any breach of the representations, warranties, and covenants made by You herein. PAY1 reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify PAY1, including rights to settle, and You agree to cooperate with PAY1's defense and settlement of these claims. PAY1 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. Disclaimer; No Warranties To the fullest extent permissible pursuant to applicable law, PAY1 and its third-party partners, licensors, and suppliers disclaim all warranties, 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 PAY1 or through the services or the site will create any warranty not expressly stated herein. You expressly acknowledge that as used in this section, the term "PAY1" includes PAY1's officers, directors, employees, shareholders, agents, licensors, subcontractors and affiliated companies. You acknowledge that PAY1 is a reseller and is not liable for any 3rd party (telcos & suppliers) obligations due to rates, quality, and all other instances, whether to any such telco's subscribers or otherwise. You expressly agree that use of the services and the site 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. We do not warrant that the service will be uninterrupted or error-free or that defects in the site will be corrected. The services and the site 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. PAY1, and its third party suppliers, licensors, and partners do not warrant that the data, PAY1 software, functions, or any other information offered on or through the services, the site or any reference sites will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected.PAY1 and its third party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the services, the site or any reference sites 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, the site or any reference sites at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and device) 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. In no event will PAY1 be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the site.