@extends('layouts.frontend.app')

@section('title', 'Terms & Conditions - Pay9')

@section('content')
<main class="py-5 terms-section">
    <div class="container">
        <h1 class="text-center mb-4" style="color:#eb7f1a;font-weight:700;">
            TERMS AND CONDITIONS
        </h1>

        <div class="terms-content" style="font-size:18px; line-height:1.8; color:#333;">

            <p>
                The following Terms and Conditions (“T&Cs”) constitute a binding agreement between you (“Customer”)
                and PENYN DIGITAL SOLUTIONS PRIVATE LIMITED (“UPAY”).
                By accessing or using any UPAY services, you acknowledge that you have read,
                understood, and agreed to be bound by these T&Cs.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">1. Working Procedure</h4>
            <p>UPAY provides its services in the following manner:</p>
            <ul>
                <li>UPAY enters into Business Correspondent arrangements with various Banks and Financial Institutions (“FIs”) to facilitate digital financial and utility services.</li>
                <li>UPAY onboards customers for services including Mobile Recharges, DTH Recharges, BBPS Services, Credit Card Bill Payments, and other Utility Payments.</li>
            </ul>

            <h4 class="mt-4" style="color:#eb7f1a;">2. KYC Compliance</h4>
            <p>
                All UPAY services shall be provided strictly in accordance with the Reserve Bank of India (RBI) Know Your Customer (KYC) guidelines.
                For compliance with RBI regulations, UPAY will collect, verify, and securely maintain your personal identification details at the
                time of registration and/or at any later stage, as may be required for availing or continuing UPAY services.

            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">3. Registration Data</h4>
            <p>
                You agree that all information provided by you during registration or while using the services is true, accurate, current, and complete.
                If UPAY has reasonable grounds to believe that any information provided is false, inaccurate, incomplete, suspicious, or
                inconsistent with these T&Cs, UPAY reserves the right to cancel, suspend, or not process the transaction or service request.

            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">4. Disclaimer of Warranties</h4>
            <p>
                UPAY operates as a Business Correspondent for various Banks and FIs for enabling payments and utility services. UPAY shall
                not be responsible for any transaction failure arising due to technical or operational issues attributable to any Bank or FI.
                UPAY shall address customer service requirements related to transactions conducted using its platform. UPAY is responsible for
                its operations, including safety, security, and service delivery within the scope of its role.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">5. Indemnity</h4>
            <p>
                You agree to indemnify and hold harmless UPAY, its affiliates, directors, employees, agents, contractors, partners, licensors,
                and third-party service providers from any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees)
                arising out of: (your misuse or improper use of the services,), (violation of these T&Cs,), (misrepresentation of information,)
                or ( breach of any warranties, representations, or obligations under these T&Cs.)
            </p>
            <p>
                UPAY reserves the right, at your cost, to assume exclusive defense and control of any matter subject to indemnification. You agree
                to fully cooperate with UPAY in such defense. UPAY will make reasonable efforts to notify you of any such claim or proceeding.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">6. Limitation of Liability</h4>
            <p>
                Notwithstanding anything contained herein, the maximum aggregate liability of UPAY, under any circumstance, shall be limited to
                the value of the transaction attempted or initiated by you through the UPAY platform.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">7. Force Majeure</h4>
            <p>
                UPAY shall not be liable for any failure or delay in performance of its obligations under these T&Cs if such failure or delay
                results from circumstances beyond its reasonable control, including but not limited to:  acts of government, lockdowns, pandemics,
                epidemics, war, insurrection, sabotage, embargoes, terrorist attacks, fire, floods, strikes, labor disturbances, transportation
                delays, telecommunications failure, unavailability of third-party services, software failures, power outages, or any similar causes.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">8. Governing Law & Jurisdiction</h4>
            <p>
                These T&Cs shall be governed by and interpreted in accordance with the laws of India.All disputes arising out of or in
                connection with these T&Cs or any related agreement shall be subject to the exclusive jurisdiction of the courts located
                 in Nellore, Andhra Pradesh, India, to the exclusion of all other courts.

            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">9. Entire Agreement</h4>
            <p>
                These T&Cs, along with any policies or conditions incorporated by reference, constitute the complete and entire agreement
                between you and UPAY and supersede any prior understanding or agreements relating to the subject matter.
            </p>

            <h4 class="mt-4" style="color:#eb7f1a;">10. Grievance Redressal & Customer Support</h4>
            <p>If you are dissatisfied with UPAY services or wish to report an issue, you may lodge a complaint through the following channels:</p>
            <p>
                Email: <strong>penyndigitalsolutions@gmail.com</strong><br>
                Support Contact: <strong>+91 9515451659</strong>
            </p>
            <p>Upon receipt of your complaint:</p>
            <ul>
                <li>An acknowledgment will be sent within 24 hours.</li>
                <li>A resolution will be provided within seven (7) working days from the date of acknowledgment.</li>
            </ul>

            <div class="text-center mt-5">
                <strong>Thank you for choosing UPAY!</strong>
            </div>
        </div>
    </div>
</main>

@endsection