PayKash Terms and Conditions


1. Agreement to Terms

These Terms of Use constitute a legally binding agreement between you, whether personally or on behalf of an entity (“you”), and Mlalgo Technologies Pvt. Ltd. (“Company,” “we,” “us,” or “our”), regarding your access to and use of the Mlalgo website and any other media form, media channel, mobile website, or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). We are registered in India. By accessing the Site, you agree that you have read, understood, and agree to be bound by all of these Terms of Use. If you do not agree with all of these terms, you are expressly prohibited from using the Site and must discontinue use immediately. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated by reference. We reserve the right, at our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. Your continued use of the Site after the date such revised Terms of Use are posted signifies your acknowledgment and acceptance of the changes. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is intended for users who are at least 13 years of age. All users who are minors in their jurisdiction of residence (generally under the age of 18) must have permission from and be directly supervised by their parent or guardian to use the Site. If you are a minor, your parent or guardian must read and agree to these Terms of Use prior to your use of the Site.

2. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property. All source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us and are protected by copyright and trademark laws, as well as various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site, Content, or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content, and the Marks.

3. User Representations

By using the Site, you represent and warrant that:
  1. All registration information you submit will be true, accurate, current, and complete.
  2. You will maintain the accuracy of such information and promptly update it as necessary.
  3. You have the legal capacity and agree to comply with these Terms of Use.
  4. You are not under the age of 13.
  5. You are not a minor in your jurisdiction of residence, or if a minor, you have received parental permission to use the Site.
  6. You will not access the Site through automated or non-human means, whether through a bot, script, or otherwise.
  7. You will not use the Site for any illegal or unauthorized purpose.
  8. Your use of the Site will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

4. User Registration

You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Products and Services

All products and services are subject to availability. We reserve the right to discontinue any product or service at any time and for any reason. Prices for products and services are subject to change without notice.

6. Purchases and Payment

We accept the following forms of payment:

  • Debit Card
  • Credit Card
  • Netbanking
  • UPI
  • Wallets

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Site. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in INR. You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees, and you authorise us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. We reserve the right to refuse any order placed through the Site. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.

7. Refunds Policy

Before making any purchases, please carefully review our comprehensive Return Policy posted on the Site. This policy outlines detailed information regarding eligibility, procedures, and conditions for refunds. Understanding this policy will help ensure a smooth and satisfactory experience in case a refund is needed.

8. Prohibited Activites

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to:

  • Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without our written permission.
  • Trick, defraud, or mislead us or other users, especially in attempting to obtain sensitive account information such as user passwords.
  • Circumvent, disable, or interfere with security-related features of the Site, including those that prevent or restrict the use or copying of any Content or enforce limitations on the Site’s usage.
  • Disparage, tarnish, or otherwise harm us or the Site as determined by us.
  • Use any information obtained from the Site to harass, abuse, or harm another person.
  • Misuse our support services or submit false reports of abuse or misconduct.
  • Use the Site in a manner that violates applicable laws or regulations.
  • Engage in unauthorized framing of or linking to the Site.
  • Upload or transmit viruses, Trojan horses, or other harmful materials that interfere with the Site’s functionality or disrupt other users’ enjoyment of the Site.
  • Use automated systems such as scripts or bots to send comments or messages, or to gather data from the Site without permission.
  • Remove copyright or other proprietary rights notices from any Content.
  • Attempt to impersonate another user or person or use someone else's username.
  • Upload or transmit any material that collects or transmits information, including but not limited to, gifs, pixels, web bugs, cookies, or similar devices .
  • Interfere with or disrupt the Site or its networks and services.
  • Harass, annoy, intimidate, or threaten our employees or agents.
  • Attempt to bypass measures designed to restrict access to the Site.
  • Copy or adapt the Site’s software, including code and scripts.
  • Reverse engineer or attempt to derive source code from the Site’s software.
  • Use automated systems, such as spiders or robots, to access or interact with the Site, except for standard search engine usage.
  • Use a buying agent to make purchases on the Site.
  • Make unauthorized use of the Site, including collecting usernames or email addresses for unsolicited email or creating user accounts through automated means.
9. Contribution License

By providing information and personal data on the Site, you agree that we may access, store, process, and use such information in accordance with our Privacy Policy and your preferences.

When you submit suggestions or feedback about the Site, you grant us the right to use and share such feedback for any purpose without compensation to you.

You retain full ownership and intellectual property rights over your Contributions. We do not claim ownership over your Contributions. You are solely responsible for the content of your Contributions on the Site and agree to indemnify us from any legal actions related to your Contributions.

10. Guidelines for Reviews

When leaving reviews or ratings on the Site, please adhere to the following guidelines:

  1. Firsthand Experience: You should have direct experience with the person or entity being reviewed.
  2. Respectful Language: Reviews must not contain offensive profanity, abusive, racist, offensive, or hate language.
  3. Non-Discriminatory: Reviews should not include discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability.
  4. Legal and Ethical Standards: Reviews must not reference illegal activities
  5. Conflict of Interest: You should not post reviews if you are affiliated with competitors or if there is a conflict of interest that may bias your review.
  6. Avoid Legal Conclusions: Refrain from making assertions regarding the legality of conduct.
  7. Accuracy: Reviews should be truthful and not contain false or misleading statements.
  8. No Review Campaigns: Do not organize campaigns to encourage others to post reviews, whether positive or negative.

We reserve the right to accept, reject, or remove reviews at our sole discretion. We are not obligated to screen reviews but may do so. Reviews are not endorsed by us and may not reflect our opinions or those of our affiliates or partners. We do not assume responsibility for any review or for any claims, liabilities, or losses resulting from reviews. By posting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully-paid, assignable, and sublicensable right and license to reproduce, modify, translate, transmit, display, perform, and distribute all content related to the review.

Thank you for adhering to these guidelines when contributing reviews to our platform.
11. Mobile Application License

Use License
If you access the Marketplace Offerings via a mobile application, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you. You may access and use the mobile application strictly in accordance with the terms and conditions outlined in this mobile application license within these Terms of Use. You agree not to:

  1. Reverse Engineering: Except where permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the application.
  2. Modification: Make any modification, adaptation, improvement, enhancement, translation, or derivative work from the application.
  3. Compliance: Violate any applicable laws, rules, or regulations in connection with your access or use of the application.
  4. Proprietary Notice: Remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the application.
  5. Commercial Use: Use the application for any revenue-generating endeavor, commercial enterprise, or other purpose not designed or intended by us.
  6. Network Access: Make the application available over a network or other environment that permits access or use by multiple devices or users simultaneously.
  7. Competitive Use: Use the application to create a product, service, or software that is directly or indirectly competitive with or a substitute for the application
  8. Automated Queries and Spam: Use the application to send automated queries to any website or to send any unsolicited commercial e-mail.
  9. Intellectual Property: Use any proprietary information, interfaces, or other intellectual property of ours in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the application.

Apple and Android Devices

When using a mobile application obtained from the Apple Store or Google Play to access the Marketplace Offerings, the following terms apply:

  1. Limited License: The license granted to you is non-transferable and allows use of the application on devices using Apple iOS or Android operating systems, as per the usage rules set by the respective App Distributor's terms of service.
  2. Maintenance and Support: We are responsible for providing any maintenance and support services for the mobile application as specified in this mobile application license and required by applicable law. App Distributors are not obligated to provide maintenance or support services.
  3. Warranty: If the mobile application fails to conform to any applicable warranty, you may notify the App Distributor. The App Distributor may refund the purchase price, if any, but has no other warranty obligations concerning the mobile application.
  4. Compliance: You certify that you are not located in a U.S. embargoed country or listed on any U.S. government list of prohibited or restricted parties.
  5. Third-Party Terms: You must comply with third-party terms of agreement when using the mobile application (e.g., wireless data service agreements for VoIP applications).
  6. Third-Party Beneficiaries: App Distributors are third-party beneficiaries of this mobile application license contained in these Terms of Use. They have the right to enforce these terms against you as a third-party beneficiary.
By using the mobile application, you acknowledge and agree to abide by these terms and conditions.

12. Submissions

Ownership of Submissions

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site or the Marketplace Offerings ("Submissions") provided by you to us are non-confidential. By submitting Submissions, you grant us exclusive rights, including all intellectual property rights, and authorize us to use and disseminate these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You waive all moral rights to these Submissions and warrant that they are original or that you have the right to submit them. You agree not to hold us liable for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

13. Third-party Websites and Content

Links to Third-Party Websites

The Site may include links to other websites ("Third-Party Websites") and may feature articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items originating from third parties ("Third-Party Content"). We do not investigate, monitor, or verify the accuracy, appropriateness, or completeness of Third-Party Websites or Third-Party Content. We are not responsible for any Third-Party Websites accessed through the Site or for any Third-Party Content posted on, available through, or installed from the Site. This includes content, accuracy, opinions, reliability, privacy practices, or other policies within Third-Party Websites or Third-Party Content.

Disclaimer and Endorsement

Inclusion of, linking to, or allowing the use or installation of any Third-Party Websites or Third-Party Content does not imply approval or endorsement by us. If you choose to leave the Site and access Third-Party Websites or use or install Third-Party Content, you do so at your own risk. These Terms of Use no longer govern your interaction with Third-Party Websites or Third-Party Content. You should review the applicable terms, policies, including privacy practices, of any website or application from which you navigate or that relates to any applications you use or install from the Site.

Purchases and Liabilities

Any purchases made through Third-Party Websites are transactions between you and the third party. We do not endorse the products or services offered on Third-Party Websites. We are not liable for harm caused by your purchase of such products or services, nor for any losses sustained or harm caused in connection with Third-Party Content or contact with Third-Party Websites.

14. Site Management

Monitoring and Actions

We reserve the right, though not the obligation, to:
  1. Monitor Compliance: Monitor the Site for violations of these Terms of Use.
  2. Legal Action: Take appropriate legal action, including reporting violations to law enforcement.
  3. Restrict Access: Refuse, restrict, limit availability, or disable any of your Contributions.
  4. System Management: Remove or disable files and content that burden our systems.
  5. Site Management: Manage the Site to protect our rights, facilitate proper functioning, and maintain the Marketplace Offerings.

15. Privacy Policy

Data Privacy and Security

We prioritize data privacy and security. By using the Site or the Marketplace Offerings, you agree to our Privacy Policy, which is incorporated into these Terms of Use. The Site and the Marketplace Offerings are hosted in India. If you access them from regions with differing data protection laws, you consent to your data being transferred to and processed in India.

16. Term and Termination

Duration and Actions

These Terms of Use remain effective while you use the Site. We reserve the right, without notice or liability, to deny access, terminate your use or participation, or delete your account and related content for any reason or no reason, including breach of these terms or any applicable law or regulation. If we terminate your account, you are prohibited from creating a new one.

17. Modifications and Interruptions

Changes and Disruptions

We may change, modify, or remove Site content at our discretion without notice. We may also modify or discontinue part or all of the Marketplace Offerings. We are not liable for any modifications, price changes, suspensions, or discontinuations of the Site or the Marketplace Offerings. We cannot guarantee uninterrupted availability of the Site and may experience disruptions, delays, or errors due to maintenance or other issues.

18. Governing Law

Applicable Law

These terms are governed by Indian law. You and Mlalgo Technologies Pvt. Ltd. consent to the exclusive jurisdiction of Indian courts for any disputes arising from these terms.

19. Dispute Resolution

Resolution Process

All disputes related to these Terms or the relationship established by this Agreement shall be submitted to Indian courts. We reserve the right to pursue claims in the courts of your country of residence or principal place of business if you are using the Site in the course of trade or profession.

20. Corrections

Error Corrections

Information on the Site may contain errors, inaccuracies, or omissions. We reserve the right to correct such errors without notice. We are not obligated to update Site information.

21. Disclaimer

Site Usage Disclaimer

The Site is provided on an "as-is" and "as-available" basis. Your use of the Site is at your sole risk. We disclaim all warranties, express or implied, regarding the Site and its use, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the accuracy or completeness of Site content or the content of linked websites. We are not liable for errors, personal injury, unauthorized access, viruses, interruptions, or any losses or damages resulting from Site content or transactions with third parties.

22. Limitations of Liability

Liability Limits

We, our directors, employees, and agents are not liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages arising from your use of the Site, even if we were advised of the possibility of such damages.

23. Indeminification

Indemnity

You agree to defend, indemnify, and hold us and our subsidiaries, affiliates, officers, agents, partners, and employees harmless from any claim or demand, including legal fees, arising from your use of the Site, breach of these Terms, breach of representations and warranties, or violation of third-party rights.

24. User Data

Data Responsibility

We maintain and manage data transmitted through the Site to manage its performance and your use. While we perform backups, you are solely responsible for data transmission and activity on the Site. We are not liable for data loss or corruption and waive claims arising from such incidents.

These terms outline your responsibilities, rights, and the conditions governing your use of the Site and the Marketplace Offerings.

25. Electronic Communications, Transactions, and Signatures

Consent to Electronic Communications

By visiting the Site, sending us emails, or completing online forms, you engage in electronic communications with us. You consent to receive electronic communications from us, including agreements, notices, disclosures, and other communications that we provide to you electronically via email or through the Site. You agree that such electronic communications satisfy any legal requirement that communications be in writing.

Use of Electronic Signatures and Records

You agree to the use of electronic signatures, contracts, orders, and other records, and to the electronic delivery of notices, policies, and transaction records initiated or completed by us or via the Site. You waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

26. Miscellaneous

Entire Agreement and Understanding

These Terms of Use, along with any policies or operating rules posted by us on the Site or in respect to the Site, constitute the entire agreement and understanding between you and us regarding your use of the Site. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law.

Assignment and Force Majeure

We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions.

Relationship Between Parties

No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Terms of Use or your use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.

27. Contact Us

To resolve a complaint regarding the Site or to receive further information regarding the use of the Site, please contact us at:

Mlalgo Technologies Pvt. Ltd. mail: info@mlalgo.in

These terms outline your agreement with us concerning electronic communications, the entirety of our understanding, and the operational framework governing your use of the Site and its associated services.