Terms of Use

Welcome to Lemoney (hereinafter "the App" or "Lemoney") a payment application developed by Lemoney Online Services Pvt. Ltd., a private limited company with its registered office at A-505, Plot 444, A Wing, Simla House, Nepean Sea Road, Cumballa Hill, Mumbai 400036, India, for paying bills and transferring money to and from other people or third party entities, as the case may be. The App facilitates these payments from multiple sources, including unified payment interfaces (UPIs), debit or credit cards and/or e-wallets, to various product and service providers through the necessary intermediaries and interchange networks.

Governing terms:

Lemoney provides features, information and other products, services and technology to you when you visit or use our website, the App, Lemoney products or services, or use the proprietary software provided by Lemoney in connection with any of the foregoing and as detailed in these T&C (the "Services"). Lemoney provides the Services subject to the following conditions. This user agreement ("Terms of Use" or "Agreement" or "T&C") read with the Privacy Policy, Payment & Refunds Policy, disclaimers and any other rules of Lemoney, shall govern your use and/or access of this App and/or software, its related content, sites and hyperlinks owned, maintained and/or operated by Lemoney and or its Affiliates, and is executed between you ("You" or "Your" or "User") and Lemoney ("Us" or "We"). For the purposes of this App, the term "Merchant" shall include any establishment and/or entity that accept the Services of Lemoney as a payment method to collect payment from their customers for the purchase(s) of goods and/or services. The rights, benefits, liabilities and obligations under the Agreement set forth below shall accrue to the benefit of Lemoney and are applicable to the use of Lemoney’s services to make any type of transactions. Notwithstanding anything contained or said in any other document, if there is a conflict between the terms mentioned herein below and any other document, the terms contained in the present Terms of Use shall alone prevail for the purposes of usage of the App.

INFORMATION OWNER:

The App is registered in the name of Lemoney Online Services Pvt. Ltd., constituted as a private limited company and duly registered under the Companies Act, 2013 as required in accordance with the laws of the Republic of India.

CHANGES TO TERMS OF USE:

We may need to update or modify these T&C from time to time without prior notice. For this reason, we encourage you to review this page every time you transact on or use our App. BY DOWNLOADING AND/OR USING THE APP, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, WE MUST RELUCTANTLY ASK YOU TO REFRAIN FROM USING OUR APP ANY FURTHER. As long as you comply with these Terms of Use, Lemoney grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the App as well as the software.

CHANGES TO THE APP:

Lemoney may change or discontinue any aspect, service or feature of the App at any time, including, but not limited to, content, hours of availability, and equipment needed for access or use.

SERVICES:

Lemoney is a payment solution application which facilitates transfer of money and related acts by providing Services to You vide its mobile application software for various payment instruments from multiple sources including but not limited to debit/credit cards, electronic or mobile wallet and UPI payments. Businesses too are enabled to accept payments and services from customers for the products and/or services on their platform via the Lemoney App. The Services include authorisation and payment of credit, debit, purchase, fuel, charge and like card transactions together with the provision of the necessary interface through which authorisation and payment of credit/debit/charge card transactions takes place as well as support services relating to diagnosis of errors, restoration of functionality and mandatory system upgrade by way of correction, re-configuration, patch provision, driver update, software re-load, interface guideline update or user guidance to remedy a fault and the implementation of mandatory updates, adjustments, additions or modifications to the Services as Lemoney may require from time to time. By using the Services, you acknowledge and agree that Lemoney is not a bank and the Services should in no way be construed as banking services. A transaction refers to a successful or declined pre-authorisation, full authorisation or refund, this includes 3D Secure authentication requirements.

USER REGISTRATION:

You may be given the opportunity to register via an online registration form to create a user account ("Your Account") that may allow you to transact more efficiently, receive information from Lemoney and/or to participate in certain features on the App such as certain Interactive Areas. Lemoney will use the information you provide in accordance with the Lemoney Privacy Policy. By registering, you represent and warrant that all information that you provide on the registration form is current, complete and accurate to the best of your knowledge. You agree to maintain and promptly update your registration information on the App so that it remains current, complete and accurate.

During the registration process, you may be required to choose a password and/or user name. You acknowledge and agree that this set of Your username and password is unique to Your use of the Service and You shall not share, assign or permit the use of Your username and password to any other persons. You acknowledge that sharing of Your username and password with other persons may cause irreparable harm to You and/or Lemoney and sccordingly agree to keep Lemoney indemnified against any loss or damage arising out of such multiple use. You further undertake to notify Lemoney immediately of any unauthorized use of Your username or password or any other breach of security and agree that Lemoney shall not be liable for any loss or damage arising from your failure to comply with this requirement. You shall be solely responsible for protecting and maintaining the confidentiality of Your Lemoney username and password; Your Bank account MPIN and OTP messages; any credentials and/or information using which, one can impersonate you; all transactions and activities that occur under your username and password and all consequences arising from the of use or misuse thereof. If You are a business entity, You agree that all officers, employees, agents, representatives and others having access to the username and/or password have been duly authorized by You to use the Services on Your behalf and to legally bind You. You shall be responsible for all actions by current and former officers, employees, agents, representatives and others, regardless of whether authorized by You, that access the Services using the business’ user name and password.

You must be the beneficial owner of the Account, and conduct business only on behalf of yourself. You are responsible for all use of Your Account, regardless of whether you authorized such access or use, and for ensuring that all use of Your Account complies fully with the provisions of these Terms of Use.

USER DETAILS:

Lemoney Services are currently available only to Users with an active Indian mobile number, bank account in India and a mobile device compatible with hosting the downloaded Lemoney App.

Upon downloading the Lemoney App, You have to necessarily allow it permission to send an SMS from Your device to verify Your mobile number and register Your device details against Your Lemoney account. This is a mandatory security step, and You accept that Lemoney has the sole right to not allow you to use Your Lemoney App without the completion of this step. It is Your responsibility to provide Your correct mobile number so that We can communicate with You via SMS. You understand and agree that if We send you an SMS but You do not receive it because Your mobile number on file is incorrect or out of date, blocked by your service provider, or you are otherwise unable to receive the SMS, We shall be deemed to have provided the communication to You effectively. Please note that if You use a spam filter that blocks or re-routes SMSes from senders not listed in Your contacts, you must ensure that Lemoney SMSes are marked as trusted as 'not-spam', so that you will be able to view the Communications we send to you. The mobile number provided by you should be the same as registered with your bank against your bank account, to enable UPI transactions from the Lemoney app. We will not be liable for any such mismatch leading to your failure to access UPI transactions on the App.

Similarly it is Your responsibility to keep Your primary email address up to date so that We can communicate with You electronically. You understand and agree that if We send you an electronic communication but You do not receive it because Your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, We shall be deemed to have provided the communication to You effectively. Please note that if You use a spam filter that blocks or re-routes emails from senders not listed in Your email address book, you must add Lemoney to your email address book so that you will be able to view the Communications we send to you. You may update your primary email address at any time by logging into the App. If Your email address becomes invalid such that electronic communications sent to you by Us is returned, We may deem your account to be inactive, and You will not be able to transact any activity using your Lemoney Account until We receive a valid, working primary email address from you.

PAYMENT POLICY:

The online payment mode includes credit cards, debit cards, net banking, e-wallets, etc. We accept payments made by most of the major credit/debit cards issued in India. Acceptance of payment is at Our sole discretion and We reserve the right to deny acceptance of any mode of payment without any prior notice. We don't accept internationally issued credit/debit cards, which are issued outside India and certain cards issued by banks in India too.

While availing any of the payment method(s) available on the App, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to: (a) Lack of authorization for any transaction(s); (b) Exceeding the present limit set by Your issuing bank; (c) Any payment issues arising out of any transaction; and/or (d) Decline of a transaction for any other reason(s).

Lemoney will not be liable for any credit / debit card fraud. The liability for use of a card fraudulently will be on You and the onus to prove otherwise shall be exclusively on You. All information collected by Us shall be governed as per our Privacy Policy. Lemoney will not be responsible for any transactions You make for using any portion of the Service(s). All claims and complaints for any failed or incorrect transactions must be directed to our payment processing partners and/or Your bank (as the case may be).

Lemoney reserves its right to change the price of any Service(s), tariff plans, available through the App at any time without any notice, to the extent permitted under applicable laws, regulations, orders and/or directions. All payments made against transacting of Service(s) on the App shall be in Indian Rupees only. The App or the payment gateways associated with it will not facilitate transaction with respect to any other form of currency with respect to the purchases made vide the App.

You represent and confirm that the credit/debit card that is being used is Yours or that You have been specifically authorized by the owner of the credit/debit card to use it. You further agree and undertake to provide the correct and valid credit card details to carry out a transaction on the App. All credit/debit card holders are subject to validation checks and authorization by the card issuer. If the issuer of Your payment card refuses to authorize the payment to Us, We will not be liable for any delay or non-delivery. Lemoney reserves the right to impose limits on the number of transactions which Lemoney may receive from an individual valid credit/debit/ valid bank account and reserves the right to refuse to process transactions exceeding such limit. You acknowledge that Lemoney will not be liable for any damages, interests, claims etc. resulting from not processing a transaction or any delay in processing a transaction which is beyond the control of Lemoney.

PRIVACY POLICY:

Lemoney views protection of Your privacy as a very important principle. We understand clearly that You and Your personal information is one of our most important responsibilities. We store and process Your information including any sensitive financial information collected, if at all, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with common prudence. Please carefully read our Privacy Policy provided on the App. If you object to our current Privacy Policy and your information being transferred or used in this way it is sadly recommended that you do not use our App.

CONSENT TO ELECTRONIC COMMUNICATIONS AND TRANSACTIONS:

When you use any of our Services, or send e-mails to us, you are communicating with us electronically and we assume you are consenting to receive communications from us electronically in turn. Accordingly, We will communicate with you by e-mail or by posting notices on this App or through other services. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing and in conformity with applicable laws.

As a condition of purchase, the App requires your permission to send you administrative and promotional emails. We will send you information regarding your account activity and purchases, as well as updates about our services and related promotional offers. You can opt-out of our promotional emails anytime by clicking the unsubscribe link at the bottom of any of our email correspondences. Please see our Privacy Policy for details. The offers made in any promotional messages sent via emails/SMS/MMS shall be subject to change at the sole discretion of Lemoney and Lemoney owes no responsibility to provide You any information regarding such change.

INTELLECTUAL PROPERTY OWNERSHIP:

Unless otherwise indicated or anything contained to the contrary or any proprietary material owned by a third party and so expressly mentioned, Lemoney owns all Intellectual Property Rights to and into the App, including, without limitation, any and all rights, title and interest in and to the copyright, the proprietary software of Lemoney, related rights, patents, utility models, trademarks, trade names, service marks, designs, know-how, trade secrets and inventions (whether patentable or not), goodwill, source code, meta tags, databases, text, content, graphics, icons, and hyperlinks. You acknowledge and agree that you shall not use, reproduce or distribute any content from the App belonging to Lemoney without obtaining our authorization or as intended by the App.

User shall not contravene vide this App any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. Lemoney does not have any express burden or responsibility to provide the Users with indications, markings or anything else that may aid the User in determining whether the material in question is copyrighted or trademarked. User shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights or any other harm resulting from such a submission. By submitting material to any public area of the App, User warrants that the owner of such material has expressly granted Lemoney the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. User also permits any other end user to access, view, and store or reproduce the material for that end user’s personal use. User hereby grants Lemoney the rights to edit, copy, publish and distribute any material made available on the App by the User. The foregoing provisions apply equally to and are for the benefit of Lemoney, its subsidiaries, affiliates and its third party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.

The App may contain copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music, sound, and the entire contents of Lemoney are protected by copyright as a collective work under the applicable copyright laws. Lemoney owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. Users may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. Users may download / print / save copyrighted material for the User’s personal and non-commercial use only. Except as otherwise expressly stated under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material without the express permission of Lemoney and/or any other copyright owner, as the case may be, is permitted. If copying, redistribution or publication of copyrighted material is permitted, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. The User acknowledges that he/she/it does not acquire any ownership rights by downloading copyrighted material. Trademarks that are located within or on the App or a website otherwise owned or operated in conjunction with Lemoney shall not be deemed to be in the public domain but rather the exclusive property of Lemoney, unless such site is under license from the trademark owner thereof in which case such license is for the exclusive benefit and use of Lemoney, unless otherwise stated.

USER CONTENT AND CONDUCT:

The following terms apply to content submitted by users, and user conduct, on the App’s Interactive Areas:

INTERACTIVE AREAS.

The App may contain comments sections, discussions forums, or other interactive features, including Lemoney’s user-generated news community ("Interactive Areas") in which You may post or upload user-generated content, including but not limited to comments, video, photos, messages, other materials or items (collectively, "User Content").

If You use the App as a Registered User, You agree that you are competent to contract and Lemoney reserves the right to terminate Your membership and refuse to provide You with access to the App if it is brought to its notice or if it is discovered that You are under the age of 18 years. You are solely responsible for Your use of any Interactive Areas and maintaining the confidentiality of Your User Details and for all activities occurring under the same. You agree, inter-alia, to provide true, accurate, current and complete information about yourself as prompted by the App registration form or provided by You as a visitor or user of a third party site through which You access the App. If You provide any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the User Agreement, Lemoney has the right to indefinitely suspend or terminate or block your access with the App and refuse to provide You with access to the App.

By submitting any User Content or participating in an Interactive Area within or in connection with the App, (A) You agree to abide by the following rules of conduct and undertake not to host, display, upload, modify, publish, transmit, update or share any information that is contained on the App that: (a) belongs to another person and to which You do not have any right; (b) is grossly harmful, harassing, blasphemous; defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; (c) harm minors in any way; (d) infringes any patent, trademark, copyright or other proprietary rights; (e) violates any law for the time being in force; (f) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature; (g) impersonates another person; (h) does not generally pertain to the designated topic or theme of any Interactive Area; (B) you agree not to represent or suggest, directly or indirectly, Lemoney’s endorsement of User Content; (C) you agree not to interfere with any other user’s right to privacy, including by harvesting or collecting personally-identifiable information about the App users or posting private information about a third party; (D) you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose, any portion of the App, use the App, or access to the App; (E) you agree not to interfere or disrupt the App or the servers or networks connected to the App, or disobey any requirements, procedures, policies or regulations of networks connected to the App; (F) you agree not to use any service, technology, service or automated system to artificially inflate the page views that your User Content receives including pay-per-click services, web "robots" and any other current or future technologies; (G) not to use any technology, service or automated system to post more User Content than an individual could upload in a given period of time, contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; (H) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation. That in case it is found that you are in violation of these express conditions, you shall be solely responsible and shall face all legal consequences of the same by yourself and that Lemoney shall in no manner be held responsible for the same. The burden of determining that any User Content is not infringing or in breach with these terms shall rest with You. Any person determined by Lemoney, in its sole discretion, to have violated the intellectual property or other rights of others shall be barred from submitting or posting any further material on the App.

Any conduct that in Lemoney's sole discretion restricts or inhibits anyone else from using or enjoying the App will not be permitted. Lemoney reserves the right in its sole discretion to remove or edit User Content by you and to terminate Your Account for any reason. Although Lemoney has no obligation to monitor, screen, edit or remove any of the User Content posted or uploaded to the App, Lemoney reserves the right, and has absolute discretion, to screen, edit, refuse to post or remove without notice any User Content posted or uploaded to the App at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content posted to the App at your sole cost and expense. In addition, Lemoney may share personally identifiable information in response to a law enforcement agency's request, or where we believe it is necessary, or as otherwise required or permitted by law. See Lemoney Privacy Policy.

User expressly agrees not to (a) use the Services to defraud Lemoney, our affiliates or other members or users, or engage in other unlawful activities (including without limitation dealing in products or services prohibited by law), (b) impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another persons digital signatures or perform any other fraudulent activity, (c) post or transmit any message, image or data which is pornographic in nature, (d) purchase anything (products or services) using fraudulent funds, (e) use the Services in a manner that may result in complaints, disputes, imposition of fines, penalties, chargebacks or any other liability to Lemoney, and/or (f) use Lemoney services for money laundering, tax evasion or any other illegal activities.

LICENSE TO USER CONTENT:

By submitting User Content to the App, you automatically grant Lemoney, the royalty-free, perpetual, irrevocable, non-exclusive right and license, but not the obligation, to use, publish, reproduce, modify, adapt, edit, translate, create derivative works from, incorporate into other works, distribute, sub-license and otherwise exploit such User Content (in whole or in part) worldwide in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such User Content, without payment to You or to any third parties. You represent and warrant to Lemoney that You have the full legal right, power and authority to grant to Lemoney the license provided for herein, that You own or control the complete exhibition and other rights to the User Content You submitted for the purposes contemplated in this license and that neither the User Content nor the exercise of the rights granted herein shall violate these Terms of Use, or infringe upon any rights, including the right of privacy or right of publicity, constitute a libel or slander against, or violate any common law or any other right of, or cause injury to, any person or entity. You further grant Lemoney the right, but not the obligation, to pursue at law any person or entity that violates Your or Lemoney's rights in the User Content by a breach of these Terms of Use.

MORAL RIGHTS:

If it is determined that You retain moral rights (including rights of attribution or integrity) in the User Content, You hereby declare that (a) You do not require that any personally identifying information be used in connection with the User Content, or any derivative works of or upgrades or updates thereto; (b) You have no objection to the publication, use, modification, deletion and exploitation of the User Content by Lemoney or its licensees, successors and assigns; (c) You forever waive and agree not to claim or assert any entitlement to any and all moral rights of an author in any of the User Content; and (d) You forever release Lemoney, and its licensees, successors and assigns, from any claims that You could otherwise assert against Lemoney by virtue of any such moral rights. You also permit any other user to access, view or store the User Content.

NO OBLIGATION:

User Content submitted by You will be considered non-confidential and Lemoney is under no obligation to treat such User Content as proprietary information except pursuant to the Lemoney Privacy Policy. Without limiting the foregoing, Lemoney reserves the right to use any User Content as it deems appropriate, including, without limitation, deleting, editing, modifying, rejecting, or refusing to post it. Lemoney is under no obligation to edit, delete or otherwise modify User Content once it has been submitted to Lemoney. Lemoney shall have no duty to attribute authorship of User Content to you, and shall not be obligated to enforce any form of attribution by third parties.

ADVERTISEMENTS AND PROMOTIONS:

Lemoney may run advertisements and promotions from third parties on the App. Your business dealings or correspondence with, or participation in promotions of, advertisers other than Lemoney, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. Lemoney is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the App.

AS-IS BASIS:

Lemoney does not vouch for the accuracy or credibility of any User Content, and does not take any responsibility or assume any liability for any actions You may take as a result of reading User Content posted on the App. Through Your use of Interactive Areas, You may be exposed to content that You may find offensive, objectionable, harmful, inaccurate or deceptive. There may also be risks of dealing with underage persons, people acting under false pretense, international trade issues and foreign nationals. By using Interactive Areas, You assume all associated risks. From time to time there may be information on the App that may contain typographical errors, inaccuracies, or omissions that may relate to service descriptions, pricing, and availability. Lemoney reserves the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice.

All information, content, materials, products (including software) and other services included on or otherwise made available to You by Lemoney are provided on an AS IS and AS AVAILABLE basis, unless otherwise specified in writing. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or users of the App, are those of the respective author(s) or distributor(s) and not of Lemoney. Neither Lemoney nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. Lemoney makes no representations or warranties of any kind, express or implied, as to the operation of the services, or the information, content, materials, products (including software) or other services included on or otherwise made available to you through Lemoney, unless otherwise specified in writing. You expressly agree that your use of the App is at your sole risk.

Lemoney does not warrant that this App will be constantly available, or available at all or that any information on this App is complete, true, accurate or non-misleading.

We will not be liable to You in any way or in relation to the Content of, or use of, or otherwise in connection with, the App. You acknowledge, by Your use of this App, that Your use of this App is at your sole risk, that You assume full responsibility for all risks associated with all necessary servicing or repairs of any equipment you use in connection with Your use of this App, and that Lemoney shall not be liable for any damages of any kind related to Your use of this App.

Though Lemoney shall make all endeavours to protect its App and/or websites from any viruses or other illegal use, we do not warrant that this App, information, Content, materials, product (including software) or services included on or otherwise made available to You through the App; its servers; or electronic communication sent from us are free of viruses or other harmful components. Nothing on the App constitutes, or is meant to constitute, advice of any kind.

It is YOUR responsibility to ensure that any services offered by the App are not restricted in your territory. Lemoney shall not be responsible for any non-compliance with regard to the local laws of any territory for any use of the App in contravention with such territory’s regulations. Lemoney will not be liable for any damages of any kind arising from the use of any service, or from any information, content, materials, products (including software) or other services included on or otherwise made available to You through the App, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing.

SUSPENSION OR BREAKDOWN OF SYSTEMS:

You agree not to hold Lemoney and/or our affiliates liable if You are unable to use the Services as a result of improper operation of the systems due to: (a) system suspension which has been announced by Lemoney in advance through any mode of communication for operational reasons such as repair, maintenance, improvement (b) failure in data transmission due to breakdown in the telecommunications equipment and systems; (c) failure in system operations due to breakdown resulting from any Force Majeure occurrence such as typhoon, earthquake, tsunami, flood, electricity blackout, war, terrorist attack, and other force majeure events which are beyond our reasonable control; (d) the Services are interrupted or delayed due to hacking, authority, website upgrade, banks, and other reasons, or (e) where We reasonably believe that the continued provision of the Services represents a threat or potential threat to the operation, security or functionality of the integrity of the Lemoney App or server hardware.

LINKS:

The Application may provide You such links including to other applications, services, for Your convenience only and some of the links may be related to the websites, applications / Services provided by our Affiliate(s) however we have no control over the linked websites and or applications including those of our Affiliate(s). We are providing these Links to You only for convenience purpose, and the inclusion of any link does not imply endorsement by Us of the site or any association with its products or services or operators or owners including the legal heirs or assigns thereof. We do not maintain, sponsor or recommend any third party websites, though the Website may contain advertisements. We do not assume any responsibility for them or their content or accessibility. In particular, We shall not be liable for any infringement of intellectual property rights of any person, or any information or opinions on third party websites. Lemoney makes no representations or warranties, express or implied, concerning any products, services or information found on any linked websites. Your use of those linked sites, mobile software applications, and services are subject to the terms of use and privacy policies of each such website(s), applications and or service(s) (in addition to this Agreement and the Privacy Policy).

The use of the links and offer of services / products including charges or termination of services is at Your sole discretion and shall be subject to the terms and conditions of the links as provided therein and the User claim and use shall be directly with the links owner and Lemoney has no party to that claim other than said herein.

INFORMATION SECURITY:

We are committed to safeguard the security and confidentiality of any information You provide to us. We understand that You accept the inherent security implications of providing information over the internet and will not hold Us responsible for any breach of security or disclosure of personal information. If You become aware of any problems with the security of data or the App, please contact Us immediately. However User hereby authorizes and consents to the collection, storage and use, by Lemoney and its Affiliates, partners, of any information and data related to or derived from User’s use of the App, and any information or data that Users provide to Lemoney and its Affiliates, partners and licensors ("Information"). Notwithstanding the foregoing, the User’s personally identifiable information will be used only in accordance with the Privacy Policy and to the extent permitted under applicable laws. Such Information will be treated as being non confidential and non-proprietary, and Lemoney assumes no obligation to protect confidential or proprietary information (other than personally identifiable information) from disclosure and will be free to reproduce, use, and distribute the Information to others without restriction. This provision shall survive the termination of this Agreement.

LIMITATION OF LIABILITY:

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, IN NO EVENT SHALL LEMONEY INCLUDING ITS PRESENT OR FUTURE PARENTS OR AFFILIATED COMPANIES AND THEIR RESPECTIVE OWNERS, DIRECTORS, OFFICERS, AGENTS, SHAREHOLDERS AND PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES, INCLUDING PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER AND/OR DEVICE OR TECHNOLOGY FAILURE OR MALFUNCTION OR FOR ANY FORM OF DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES BASED ON ANY CAUSES OF ACTION ARISING OUT OF USE OR INABILITY TO USE THE APP OR ANY ALLEGED FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, OR DELAY IN SERVICE, OPERATION, OR TRANSMISSION OF THE SITES, OR ANY ALLEGED COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OF PROPERTY, AND/OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF OR POSTING OF ANY RECORD, CONTENT, OR TECHNOLOGY, PERTAINING TO OR ON THE APP. YOU AGREE THAT THIS LIMITATION OF LIABILITY APPLIES WHETHER SUCH ALLEGATIONS ARE FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR FALL UNDER ANY OTHER CAUSE OF ACTION, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF LEMONEY OR ITS PRESENT OR FUTURE PARENTS OR AFFILIATED COMPANIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. WITHOUT LIMITING THE GENERALITY OF THE FORGEOING, YOU ALSO SPECIFICALLY ACKNOWLEDGE THAT LEMONEY AND/OR ITS PRESENT OR FUTURE PARENTS AND AFFILIATED COMPANIES ARE NOT LIABLE FOR ANY ACTUAL OR ALLEGED DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OF THE SITES OR ANY OTHER THIRD PARTIES. IF APPLICABLE LAW DOES NOT ALLOW ALL OR ANY PART OF THE ABOVE LIMITATION OF LIABILITY TO APPLY TO YOU, THE LIMITATIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW. BY ACCESSING THE APP, YOU ACKNOWLEDGE AND AGREE TO LEMONEY'S DISCLAIMER OF ANY SUCH LIABILITY. IF YOU DO NOT AGREE, YOU SHOULD NOT ACCESS OR USE THE APP.

NOTWITHSTANDING ANYTHING STATED ABOVE, THE AGGREGATE AND TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE T&C, SHALL NOT EXCEED INR 100 (RUPEES ONE HUNDRED) OR THE LAST PAYMENT MADE BY THE USER, WHICHEVER IS LESSER, SUBJECT TO APPLICABLE LAW AND AWARDS BY A COMPETENT CONTRACT.

INDEMNITY:

You agree to indemnify and shall not hold Lemoney (and its officers, directors, agents, subsidiaries, affiliates, joint ventures, and employees) responsible for any claim or demand, including but not limited to reasonable attorneys’ fees, or arising out of or related to Your breach of these Terms of Use, or Your violation of any law or the rights of a third party or any damage to life and/or property caused by the products delivered. Lemoney reserves the right to take over the exclusive defense of any claim for which We are entitled to indemnification under this Section. In such event, You shall provide Lemoney with such cooperation as is reasonably requested by Lemoney.

DISCONTINUANCE OF THE USE OF THE APPLICATION:

User may elect to discontinue using the App and the Services, by uninstalling it. If the User’s mobile device is stolen or lost, the User must immediately inform Lemoney’s customer care representative to deactivate the User’s account on the Service. User will remain responsible for any transactions made until the App is blocked by Lemoney. User shall immediately uninstall the App in case the User changes his/her mobile device.

BREACH OF TERMS:

In the event You are found to be in breach of the Terms of Use or Privacy Policy or other rules and policies or if We are unable to verify or authenticate any information You provide or if it is believed that Your actions may cause legal liability for You, other users, or Us, without limiting to the present, We may without prior notice immediately limit Your activity, remove Your information, temporarily/indefinitely suspend or terminate or block Your membership, and/or refuse to provide You with access to this App. Any user that has been suspended or blocked may not register or attempt to register with Us or use the App in any manner whatsoever until such time that such user is reinstated by Us.

Notwithstanding the foregoing, if You breach the Terms of Use or Privacy Policy or other rules and policies, we reserve the right to recover any amounts due and owing by You to Us and to take strict legal action including but not limited to a referral to the appropriate police or other authorities for initiating criminal or other proceedings against You. Any breach of any applicable local laws shall without prior notice also result in immediately disabling activities by You, removing Your information, temporarily/indefinitely suspend or terminate or block Your membership, and/or refuse to provide You with access to this App.

TERMINATION:

We reserve the right to make changes to, terminate or suspend our App, website, policies, service terms, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition alone shall be deemed severable and shall not affect the validity and enforceability of any remaining condition(s).

ADDITIONAL TERMS:

The failure by Lemoney to enforce at any time or for any period any one or more of the terms or conditions of the Agreement shall not be deemed a waiver by Lemoney of them or of the right at any time subsequent, to enforce any or all terms and conditions of this Agreement. Further, failure on the part of Lemoney to perform any of its obligations and/or the non-furnishing of any service or function, shall not entitle you to raise any claim against Lemoney or be deemed a breach hereunder. If due to occurrence of a Force Majeure the fulfillment by either party of any obligation set forth in this Agreement will be delayed, the period of such delay will not be counted on in computing periods prescribed by this Agreement. Force Majeure will include any power outage, system hack, virus infection, corruption of any disks or storage devices, war, civil commotion, strike, governmental action, lockout, accident, epidemic or any other event of any nature or kind whatsoever beyond the control of Lemoney that directly or indirectly hinders or prevents Lemoney from commencing or proceeding with consummation of the transactions contemplated hereby.

ASSIGNMENT:

Lemoney shall have the right to assign this Agreement (including all of our rights, titles, benefits, interests, and obligations and duties in this Agreement) to any of our affiliates and to any successor in interest. Lemoney may delegate certain of Lemoney rights and responsibilities under this Agreement to independent contractors or other third parties. You may not assign, in whole or part, this Agreement to any person or entity without our prior written consent which may be withheld at our sole discretion,

GRIEVANCES:

Any grievances you have by way of use of the App can be addressed to contact@lemoney.in. The ‘Customer Care’ shall thereafter consider the same and provide a response within 15 days from the date of such complaint/ grievance.

GOVERNING LAW & RESOLUTION OF DISPUTES:

This Agreement shall be construed and the legal relations between You and Lemoney hereto shall be determined and governed according to the laws prevalent in the Republic of India.

If any dispute, claim or controversy arising out of or in connection with your access to, and/or use of the App, and/or the provision of content, services, and/or technology on or through the App, arises between You and Lemoney regarding your use of the App or Your dealing with Lemoney in relation to any activity on the App, in connection with the validity, interpretation, implementation or breach of any provision of the Terms of Use and/or Privacy Policy including but not limited to the rules and policies contained herein, the parties shall make all reasonable endeavours to resolve all disputes amicably through informal negotiation within thirty (30) days from the date that any notice of dispute, claim, or controversy is sent, failing which they shall subject the dispute to bonding Arbitration under the Arbitration and Conciliation Act, 1996.

Such dispute or difference shall be referred to a mutually accepted single arbitrator or, upon the failure of the parties to agree upon a single arbitrator within a period of ten (10) days, each party shall appoint one arbitrator each and the two appointed arbitrators shall appoint the third arbitrator who shall act as the presiding arbitrator. The proceedings shall be held in the English language at Mumbai and the competent courts in Mumbai shall have exclusive jurisdiction for granting any injunctive or specific relief related to any issue hereunder.

Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred.

DISCLAIMER

Lemoney is only facilitating / providing a platform for payment of monetary transactions and gives access to the Users to communicate or transact with one another and does not actually sell the products. The products are sold by the concerned seller using their own or third party websites (that may include subsidiaries / group companies of Lemoney) and therefore the User is advised to check the terms and conditions of such seller prior to buying the products and shall have recourse against the seller for any breach of conditions, representation or warranties by the sellers or manufacturers of the products as provided in the terms and conditions of the purchase accepted by the User and Lemoney expressly disclaims any and all responsibility and liability in that regard. In no event shall Lemoney be liable for any information, content, materials, products or services available through this App.

To the maximum extent permitted by law, We disclaim all liability for any errors or omissions contained in this information or any failure to update or correct this information and use and the Services by this App which is on ""as-is" and "with all faults and risks basis" and without warranties of any kind, to the maximum extent permitted under laws, We disclaim all warranties whether express or implied including merchantability, fitness for a particular purpose, non-infringement or that use of the services will be uninterrupted or error-free, or otherwise related to interoperability, compatibility of the App with Your mobile devices. You understand that accessing the internet or telecommunication services may be harmful or cause losses, injury or damages to You and other people that may access services through You, or Your equipment and other tangible and intangible properties. As a User of this App You should make your own enquiries before entering into any transaction on the basis of or in reliance upon the content. To the extent permitted by law, We and our employees, officers, agents and contractors exclude all liability for any loss or damage (including without limitation, indirect, special or consequential loss or damage) arising from the use of, or reliance upon the content whether or not this is caused by a negligent act. We expressly reserve the right, in our discretion, to suspend, change, modify, add or remove portions of the Application and to restrict or terminate the use and accessibility of the Application without any prior notice. If any provision of this Disclaimer is invalid or unenforceable, such will not render all terms unenforceable or invalid but rather the terms will be read and construed as if the invalid or unenforceable provision(s) were not contained therein. Any other product(s), Service(s) and company names mentioned herein may be trademarks, service marks or trade names of their respective owners. Your access to this Application should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any marks appearing on the Application without the prior written consent or the third party owner thereof.

This document is an electronic record in terms of The Information Technology Act, 2000 ("IT Act") and rules thereunder, and is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules 2011, which mandates for publishing of rules and regulations, privacy policy and terms of use for access or usage of the Application. This record is generated by a computer system and does not require any physical or digital signatures.