@extends('layouts.app')

@section('content')
<div class="container-fluid">

    <!-- Page Header -->
    <div class="d-md-flex d-block align-items-center justify-content-between my-4 page-header-breadcrumb">
        <div>
            <h4 class="mb-0">Terms and Conditions</h4>
        </div>
        <div class="main-dashboard-header-right">

        </div>
    </div>
    <!-- End Page Header -->

    <!-- row opened -->
    <div class="row">

        <div class="col-md-12 col-lg-12 col-xl-12">
            <div class="card card-table">

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

            <h5>1. Working Procedure</h5>

            <p><strong>UPAY</strong> 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 (users of the UPAY platform) for availing services including but not limited
                to Mobile Recharges, DTH Recharges, BBPS Services, Credit Card Bill Payments, and other Utility
                Payments.
              </li>
            </ul>

            <h5>2. KYC Compliance</h5>

            <p>
              All UPAY services shall be provided strictly in accordance with the Reserve Bank of India (RBI)
              <strong>Know Your Customer (KYC)</strong> guidelines.
            </p>

            <p>
              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>

            <h5>3. Registration Data</h5>

            <p>
              You agree that all information provided by you during registration or while using the services is
              true, accurate, current, and complete.
            </p>

            <p>
              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>

            <h5>4. Disclaimer of Warranties</h5>

            <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.
            </p>

            <p>
              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>

            <h5>5. Indemnity</h5>

            <p>
              You agree to indemnify and hold harmless UPAY, its affili

            </div>
        </div>
    </div>
    <!-- /row -->

    
</div>

@endsection