Please read these terms and conditions (“Terms”) carefully before using the website minpay.in (hereinafter referred to as the “Website”). These Terms govern your use of the Website and the services offered by MinPay (A Unit of Minpay Consultants LLP) (Company, we, us, or our).
By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you are not authorized to use the Website or our services.
1. Acceptance of Terms
2. Service Overview
MinPay is a financial wellness and debt advisory platform that connects clients with professionals for support in managing debt-related harassment, settlement negotiations, and financial recovery. We do not offer loans, credit repair, or guaranteed debt clearance.
Services are consultative in nature and based on client-provided data and creditor engagement. Results may vary depending on the creditor’s discretion, client cooperation, and other external factors.
3. Website Usage Guidelines
By using our Website, you agree not to:
- Harass, abuse, or threaten others.
- Post or share defamatory, obscene, or unlawful material.
- Upload or share copyrighted material without permission.
- Tamper with the Website code or attempt unauthorized access.
- Use bots, scripts, or spam services that affect Website functionality.
- Share phishing links, unsolicited promotions, or third-party advertisements.
- Violate any applicable law or regulation.
We reserve the right to restrict or terminate access for users violating these guidelines.
4. Fees & Payment
Our services are chargeable, and users will be clearly notified of the fee structure before completing payment. You may choose to proceed only after accepting the applicable fee. Payments are collected via secure third-party gateways.
- Initial consultation is chargeable (e.g. ₹25 form fee).
- Ongoing services are billed on a monthly basis (in advance).
- Fees are non-refundable once paid, unless otherwise specified in writing.
5. Refund Policy
MinPay follows a strict no-refund policy for services already rendered. You may discontinue services at any time, and no further fees will be charged beyond cancellation. However, fees already paid are non-refundable, including consultation and monthly service charges.
6. Limitation of Liability
To the fullest extent permitted by law, MinPay shall not be liable for:
- Any direct, indirect, incidental, or consequential loss
- Any loss of profits, goodwill, data, or business opportunity
- Service interruptions caused by your internet provider, server issues, or technical limitations beyond our control
Use of our services is at your own risk.
7. Indemnification
You agree to indemnify and hold harmless MinPay, its employees, affiliates, directors, and agents from any claim or demand arising out of your breach of these Terms or violation of any applicable laws or third-party rights.
8. Intellectual Property
All content on this Website—text, graphics, logos, icons, and code—is the exclusive property of MinPay and protected under applicable copyright and trademark laws. You may not reproduce or distribute any content without prior written consent.
9. Termination of Use
We reserve the right to terminate or suspend your access to our services without prior notice if we find that you have violated any terms outlined herein.
10. Governing Law and Jurisdiction
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts located in Delhi. Dispute resolution may also be sought through arbitration in accordance with the Arbitration and Conciliation Act, as amended.
11. Amendments to Terms
MinPay may update or modify these Terms from time to time without prior notice. Continued use of the Website after any changes constitutes acceptance of the updated Terms.
12. Contact Us
For any questions or concerns related to these Terms, please contact:info@minpay.in