Legal

Refund & Cancellation Policy

This policy explains how Billzar handles refunds and cancellations for our services.

Last updated: 13 Mar 2026Applies to: Website & App

1) Introduction

The website – ‘https://www.billzar.com/’ and mobile application ‘BillZar’ and all other associated/ancillary applications, products, websites and services (“Website/Platform”) are property of and managed by Pixller Technologies Private Limited a company incorporated under the Companies Act, 2013 having its registered office address at D-254, Regal Garden, Sector90 Gurgaon, Haryana 122001 (hereinafter referred to as “Company” which expression shall, unless it be repugnant to the context thereof, be deemed to include permitted successors and assigns).

Please read the terms and conditions carefully before registering, accessing or using the BillZar Services offered through the BillZar website, BillZar App or through applications. These terms and conditions are a legal contract (“Terms of Use”) between You and Pixller Technologies Private Limited (BillZar). You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these Terms of Use or do not wish to be bound by these Terms of Use, you may not use the BillZar Services and/or immediately terminate the Services and/or uninstall the BillZar App.

2) Definitions

“BillZar”, “we”, “us”, “Our” means BillZar and BillZar Group Entities.
“User”, “you”, “yours”, “yourself” means any prospective User or anyone who uses or accesses the App/Website/Services/Platform including but not limited to customers and Commercial Partners, on any computer, mobile phone, tablet, console or other device (collectively, “Device”).
“BillZar App” means mobile application(s), hosted by BillZar for providing different services to the Users, and Commercial Partners.
“BillZar Platform” means any platform owned/subscribed/used by BillZar including but not limited to the BillZar Website, the BillZar App, other mobile applications, devices, URLs/links, notifications, chatbots, BillZar's social media channels or any other communication medium or mechanism used by BillZar to provide services to the Users.
“BillZar Website” means ‘https://www.billzar.com/’ registered by BillZar.
“User Account” means the account created by User at the BillZar Application and where the BillZar services are taken as per the Terms and Conditions set forth.
“Credit Instruments” means the Credit card, Add-on Credit cards, any other account defined under Bharat Bill Payment System (BBPS). Corporate Credit cards are excluded as the repayment services/facility is only towards the credit Instruments held by Individual Customer/User not Corporate Entity.
“Termination/Deletion” means the permanent deletion of BillZar account by the User.
“Source Account” means the originally used payment instrument (Bank Account/ or Debit card, UPI ID etc) for the credit repayment.
“Bank/Customer Bank/Issuing Bank” as per banking regulation act 1949 under section 5 (B) definition of bank is: “A financial institution which can accept deposit of money from the public, lend to the public and repayable to the public on demand and withdrawal by cheque, draft, order”.
“BillZar Services” means and include all services offered / to be offered by BillZar, either directly or through its Commercial Partners including but not limited to Credit Card Bill Payment Services and Rewards.
“BillZar Wisor” means the AI-powered feature within the BillZar App/Website that provides Users with credit health analyses and Insights, including but not limited to repayment patterns, credit utilisation, spending behaviour, rewards and card efficiency.
“Commercial Partner” means any individual or entity with whom BillZar has entered in contract with certain business understanding for the purposes of facilitating, supporting, or enhancing the BillZar Services, and includes, but is not limited to, billers, merchants, payment aggregators, technology service providers, entities offering rewards or vouchers on the BillZar Platform, and any other third party that BillZar may engage with from time to time in connection with the provision of its Services.
“Terms of use” / “Terms and Conditions” are interchangeably used and mean these Terms of Service including the Supplemental Terms.

By accessing or using any version of the Website/Platform, you signify that you have read, understood and agreed to be bound by these Terms and Conditions of use and access (“T&C”), the Privacy Policy of the Company and any other applicable law.

3) Terms and Conditions Subject to Change

We reserve the right to update or modify these T&C at any time without prior notice. Your access of the App/website and use of the Services following any such change constitutes your agreement to follow and be bound by these T&C, as updated or modified. For this reason, we encourage you to review these T&C each time you access and use the Services.

4) Eligibility

a) You represent and warrant that you are competent and eligible to enter into a legally binding agreement and be bound by these T&C. You shall not access and use the Services if you are not competent to contract under the applicable laws, rules and regulations; you are eligible, if:

You are 18 years of age or older;
You are capable of entering into a legally binding agreement; and
You are not barred or otherwise legally prohibited from accessing or using the BillZar App and BillZar Services.

b) If you allow anyone to use your BillZar account, including individuals under 18 years of age, you will be responsible for ensuring that such individuals comply with these Terms of Use. You will be responsible for and shall ratify all actions these individuals take in and/or through your account. You also acknowledge that BillZar does not have the responsibility of ensuring that you meet the aforesaid eligibility requirements.

c) You agree that in order to determine your eligibility for access to various BillZar Services and the current credit instruments held by the User, You will retrieve your credit score from Credit Information Companies using the BillZar App and disclose the said credit score to BillZar.

d) A User is responsible to verify that the use of this App/Website is for lawful purposes only. Therefore, any User who accesses the App/Website from within India or outside shall access the App/Website entirely at their own risk and shall remain responsible for compliance with the laws of applicable jurisdiction. In addition to the provisions relating to the absence of liability of App/Website i.e. [‘https://www.billzar.com/’] the indemnity from the App. User on the use of the Platform for lawful purposes and in compliance with the laws of his/her jurisdiction within or outside India shall survive the expiration or termination of these Terms of Use for any reason whatsoever in favour of the App/Website owners and its licensors.

e) It is clarified that the BillZar makes no claim that the Services on the BillZar app, are appropriate, accurate, reliable, or updated, suitable or complete or may be downloaded in a particular jurisdiction and your use of the Platform shall be at all times be solely at your discretion and risk and the Company at all times shall remain indemnified.

5) Registration on BillZar and its Terms of Use

The Company provides for free online registration to its Users, the User may make an account onto the Platform by inserting their valid personal information as may be required by the Company. The Company, during activation of User Accounts or while undertaking any transactions or for any other reason, may require customer details or approvals for the purposes of verification of any User's identity:

For the purposes of verification of any User's identity, the Company may rely on appropriate and licensed third-party service providers (such as Credit Bureaus) to authenticate the Identification Documents and other incidental details provided by the User. If the Company finds any User information obtained in accordance with the procedure described under this Clause to be inadequate or insufficient, the Company may in its discretion either refuse or terminate (as the case may be) the registration of such User Account.

Please further note that, in order to provide best services to the User, BillZar bears various expenses and costs (including but not limited to the maintenance, facilitation of transactions, rewards). To ensure the best service and experience to the User, BillZar may charge You a certain Processing Fee which will be applicable over and above the value of transaction/due bill payable towards the Credit cards or Instruments.

The User agrees that:

You may only possess one account at a time, unless otherwise approved by BillZar.
You are using this App only for personal purposes and no laws or regulations are violated in connection with the usage terms.
You will be responsible for the actions taken on your account and will not provide any information which is untrue, inaccurate or incorrect. You agree to submit and maintain the correct, complete and truthful information on the BillZar app.
In case of any suspicious activity or unverified access to the Account, you will be responsible to inform BillZar helpline immediately.
You are aware of and responsible for all transactions taking place through your Account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to your BillZar App, (ii) permit them to transact on your account, or (iii) transact on any other person's behalf or directions; whether by sharing one-time passwords or in any other manner, BillZar will not be responsible to those actions and you agree to solely bear the responsibility.
You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with the BillZar App, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.
You shall not access or use the BillZar App in any manner that (i) may be harmful to the operation of the BillZar App or its content; (ii) may be unlawful; (iii) maybe harmful to BillZar or to any other User; (iv) may hinder other Users enjoyment of the BillZar App; or (v) to defraud other Users, BillZar or any Commercial Partner.
You shall not modify, delete or copy any of the content or information available at BillZar app. You should not post, distribute, share or transfer any information at social media channels which may obstruct the App/Website.
You should not use any kind or malware, software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the BillZar App or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the BillZar App.
Your use of the BillZar App shall declare that you have provided consent to automatically receive updates such as bug fixes, patches, periodic upgrade, version upgrade, enhanced functions, missing plug-ins and new versions (collectively, “Updates”), for the purpose of effective delivery of the BillZar Services. Your continuous use of the App will be considered as your deemed acceptance of the updates.
You understand and accept that not all products, services and rewards offered on the BillZar App are available in all geographic areas and you may not be eligible for all the products, services and rewards offered by BillZar on the BillZar App. BillZar reserves the right to determine the availability and eligibility for any product, services and rewards offered on the BillZar App.
You shall raise a request to BillZar to block your Account immediately, in the event of any defect, loss/theft of device or compromised privacy. The Account will be accessed through the OTP based approval.

6) Responsibilities of the Company

The Company or its owners, managers, directors, employees, agents, partners, advertisers or affiliates will not be liable for any loss, damage, injury caused to the User arising out of use of the Platform or its Services including any legal actions.

The Platform takes no responsibility for the authenticity and/or the accuracy of the information on the Platform provided by the third parties. Any information on the Platform relating to listing, name, content, material of any professional or firm found on this Platform does not constitute any endorsement or recommendations of the Company.

The Platform User agrees that they will not use the App/Website for anything false, defamatory, inaccurate, abusive, harassing, obscene, sexually oriented, exploitative, or threatening message/s or material that is illegally invasive of another person's privacy. The Company will not be held responsible for any third-party content.

In case any Platform User finds any content is objectionable or illegal, they may report to the Company by writing at the customer care helpline e-mail address/phone number provided on the Platform. Objectionable/illegal content will be monitored and blocked from public access within 72 hours from reporting of the complaint. Such third party content is not edited or monitored by the Company and does not reflect approval of the Company, its owners, managers, directors, employees, agents, partners, advertisers or affiliates. It bears no responsibility for the posts or the information contained therein. If such information posted is infringing or objectionable, the Company is not liable and shall take appropriate legal action against concerned Platform User for posting such content.

In no event shall the Company be liable to the Platform User for any special, indirect, exemplary or consequential damages arising out of your purchase or use of the App/Website or any third-party claims.

With respect to BillZar Wisor, the User acknowledges and agrees that:

Wisor provides informational insights solely for general informational purposes. Such insights do not constitute, and shall not be construed as, financial, investment, legal, or any other form of professional advice.
Wisor generates insights based on the User's credit card and related transactional data, which may be obtained through email parsing, web scraping, and other lawful and permitted methods. The User acknowledges that such methods may not always produce complete, accurate, or up-to-date information.
The User remains solely responsible for verifying the accuracy and completeness of all information provided by Wisor and for making any financial or other decisions based thereon. The User agrees that any reliance on Wisor's insights is at their own discretion and risk.
BillZar expressly disclaims all liability for any errors, inaccuracies, omissions, or deficiencies in Wisor's outputs, including, without limitation, those arising from third-party systems, email parsing errors, data retrieval issues, or limitations inherent in web scraping technologies.

7) Transaction and Monitoring Policy

All transactions executed and/or attempted to be executed through the Platform are regularly monitored by the Company, in order to promptly identify and highlight certain kinds of transactions which are deemed suspicious by the Company.

The Company may, from time to time, undertake necessary investigation in order to identify and examine transactions inconsistent with any User's risk profile, sophistication, and expected usage pattern.

The extent of monitoring shall depend on various factors including upon each User's risk profile.

In case of any event as required by the Company, it can take any of the following steps to regulate the use of the Platform by any User:

PAN Check: For each transaction, the Company may require the user to enter the PAN Card of the person to whom the payment is being made.
The credit score may be retrieved from the bureau.
The Company may also put transaction limits meaning each account may have a limit on the total number of transactions and/or the size of the transaction. These limits may be finalised on a per transaction basis as well as a monthly basis.

Pursuant to the Company's internal compliance framework, certain transactions may be subject to fraud control and security verification procedures. Such measures, forming part of the Company's standard risk management process, may include system-based reviews, deferred settlements, or other verification checks, which may extend up to forty-eight (48) hours from the initiation of the transaction. These measures are instituted to prevent misuse, detect anomalous activity, and ensure transactional integrity across all product categories.

8) Additional Terms of Usage of the Platform

As a Platform User, you agree to abide and be bound by its Terms and Conditions and that you agree to use the Platform on your own free will and it is not guided by any promotional emails, phone calls and advertisements from the Company and its affiliates and partners. The use of the Platform is solely at your own risk.

The Company shall not be under an obligation to indemnify any Platform User for any breach in the representation towards Services through the Platform, and will not be liable to pay any damages, direct or indirect, or consequential damages for loss of revenue, loss of business, loss of data, system crash, faulty operation, malware attacks or slow transmission of the telephone line or web servers or email servers or hardware or software involved in the conduct of the Platform technical disruptions, unavailability of Platform or its Online Services, delay, failure, interruption, alteration or damage of any data or other information transmitted or posted in connection with use of the Platform.

That the Platform does not guarantee to be error-free or bug-free. We provide no warranty regarding the security, reliability, timeliness, or performance of the Platform or its accuracy, suitability or completeness or timeliness, accuracy of profile pages or any information contained therein, Services (including software, text, graphics, links, or communications) provided on or through the use of the Platform.

The Platform and the Services on Platform are provided on an “as is” basis. The Company, its owners, its licensors, and its suppliers to the fullest extent permitted by law, disclaim all warranties, express or implied, statutory or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of third parties' rights, and fitness for particular purpose.

The defaulting Platform User shall indemnify and agrees to keep the Company and its subsidiaries and affiliates, and its and their directors, officers, employees, successors and assigns fully harmless against any complaints, suits, actions, claims, losses, damages, liabilities (including statutory liability), penalties, demands and costs (including without limitation, legal costs of the Company), awards, and/or expenses however arising directly or indirectly from the Platform User arising in connection with Services offered by other Platform User on the Platform or its quality, performance or legalities including allegations of loss of data, system crash or otherwise, and copyright infringement or other intellectual property violations raised by third parties or Customers, or in respect of breach of any of the registered Service provider warranties, representations or undertakings or in any way attributable in whole or in part to registered Service provider's performance of this Agreement or in relation to the non-fulfilment of any of its obligations under this Agreement.

The Company, its owners, directors, employees or agents, successors assigns, affiliates, subsidiaries mentioned on the Platform in any event whatsoever not be liable for any damages (including, without limitation, incidental and consequential damages, direct, indirect, exemplary damages, special or punitive damages, fees, fines, penalties, or liabilities, personal injury/wrongful death, lost profits or damages resulting from lost data or business interruption, including any computer virus, anticipated profits, loss of profits or revenues, loss of saving, loss of use interruption of business, loss of opportunity, and claims of customers), whether such damages occur prior or subsequent to or are alleged as a results of, the use or inability to use the Platform or the Services, information posted under profile pages, whether based on warranty, contract, tort, or any other legal theory or breach of any of the provisions of this T&C.

That by browsing and/or registering on the Platform you agree that you are solely responsible for anything you post on the Platform and that you agree to defend, indemnify, and hold the Company, its owners, its officers, directors, employees, agents, licensors, and suppliers, successors, assigns fully harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms and Conditions or any claims based upon your posts/submissions on the Platform. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using the Platform and its services.

The Company reserves the right to control, modify or discontinue any and all offers, pricing, value, discounts and redemption with or without prior notice or assigning any reason.

9) Intellectual Property Rights Policy

Every content on the Services, including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, interface, reports generated, trademarks, trade names, trade secrets (“Service Content”), constitute Company's intellectual property, there shall be no deemed assignment, transfer or license provided to you by the virtue of your use of the BillZar Website or Application. All Services and Service Content is protected by the relevant Copyright laws in all applicable jurisdictions.
You may access the Services, avail of the features and facilities and utilize the Services Content for your personal or internal requirements only. You agree not to duplicate, distribute, create derivative works of, display, or commercially exploit the Services Content, features or facilities, directly or indirectly, except as expressly authorized herein. In case you want to request permission to commercially exploit any Services Content, you could contact us.
The Company is the sole owner of the underlying software and source code associated with App/Website and all the trademarks, logos, copyright, design and any other intellectual property rights of any nature on the App/Website.

10) Reward Points

BillZar offers a reward system to its users who make credit card payments through the BillZar App. These rewards are called “BillZar Chips” or “Chips”. Users can earn BillZar Chips for making repayments using the BillZar App or for participating in certain actions, such as referrals, payment based offers and any other active campaign as may be determined by BillZar from time to time for the purpose of issuing BillZar Chips. The reward system is designed to encourage the continuous use of the BillZar App and does not allow the purchase or trading of such BillZar Chips. BillZar at its sole discretion may review and change the terms of the issuance and redemption of BillZar chips at any time without giving prior intimation to the Users.

The validity of BillZar Chips may vary from 30 days to 360 days from the date of issuance. BillZar Chips are calculated and issued in every transaction close to real-time, and the calculation is based on multiples of Rs. 100 which is subject to revision without prior intimation. When the transfer to the card is successful, BillZar will credit the BillZar Chips by rounding down to the closest number.

BillZar Chips may also be issued under specific promotional offers or campaigns with accelerated value and redemption, which shall be governed by separate offer-specific terms and conditions. Users are advised to read such offer terms carefully, as it cannot be clubbed with other offers.

11) Terms of Redemption for the BillZar Chips

The User can redeem the BillZar Chips towards the purchase of available brand vouchers. BillZar Chips can be used to purchase brand Vouchers available on the App. The value of BillZar Chips against the Voucher purchase and terms of conversion are subject to revision from time to time. The relevant brand's TnCs will also be applicable and read together with the Voucher issuance and redemption on the app. Users may choose to convert the BillZar Chips against the credit instrument repayment. In case of the pay by BillZar Chip, the value of 1 BillZar Chip will be INR 0.10 (monthly maximum to 1000 BillZar Chips per User). Pixller Technologies Private Limited reserves the right to periodically revise the issuance, monetary value, usage, validity, redemption, withdrawal, and maximum earning of BillZar Chips, and such changes are at the sole discretion of the company. The company may modify or withdraw given offers/BillZar Chips or issue a new form of reward program/structure at any time without prior notice. BillZar Chips are solely rewarded for the regular and rightful use of the BillZar App, and no purchase or accrual of these reward Chips is permitted in any other way except as mentioned in the policy. BillZar reserves the right to introduce, alter/modify any condition, cooling period or disqualify any user who does not meet the offer requirements or for any other reason, including but not limited to any misuse of the BillZar platform, fraud, suspicious transaction/activity, or as required under any legal provision or applicable rules and regulations.

12) User Account, Password & Security

You are required to create an account (“Account”) on the App/Website to have access to the Services. You are responsible for maintaining the confidentiality of your login credentials and your Account and are fully responsible for all activities that occur under your password or Account. You agree to:

Immediately notify the Company of any unauthorized use of your password or Account or if your Account is hacked or compromised or any other breach of security; and
Ensure that you logout from your Account at the end of each session. BillZar will not be responsible for any loss or damage arising from the failure to comply with the clause by the User.

13) Termination/Deletion or Deactivation of User Account

You may delete or deactivate your account and discontinue the use of BillZar App any time as per your discretion. The deactivation of the account gives the User an option to archive the User Information, Credit Instrument details from the App.

The deletion of an account will be considered as the end of contract between the user and BillZar. BillZar may continue to retain a record of your transactions made on the BillZar App for regulatory and archival purposes.

The termination of contract between User and BillZar is subject to no dues pending with BillZar from User end and there is no open thread of dispute or Transactional liability on the User. Deletion of Account will not suspend or terminate any obligation undertaken by the User before deletion. Notwithstanding the deletion of the App account, User is obliged to repay any credit line availed by BillZar.

Users are encouraged to clear any outstanding dues before deleting their account. BillZar reserves the right to take legal action to recover any outstanding dues.

14) User Communications

By accepting these T&C, implies your express consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf at any contact number, or physical or electronic address provided by you while registering your Account. You further agree to us contacting you in any manner, including without limitation, SMS messages (including text messages), calls using pre-recorded messages or artificial voice, calls and messages delivered using auto telephone dialling system or an automatic texting system, and notifications sent via the Services. Automated messages may be played when the telephone is answered whether by you or someone else. If an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via SMS.

You certify, warrant and represent that the telephone numbers and/or email addresses and any other information that you have provided (at the time of registering on the App/Website or thereafter or for creating an Account) is your own and not someone else's and are true, accurate, current and complete. You represent that you are permitted to receive calls at each of the telephone/mobile numbers you have provided to us and emails at each of the email addresses you have provided us. You agree to notify us whenever you stop using a telephone/mobile number(s) and/or email address(es).

15) User Guidelines

In consideration of the Company granting the user certain rights hereunder, you hereby agree not to use the Services for any purpose that is unlawful or illegal under any applicable laws and/or in violation of the terms of these T&C and our Privacy Policy. You shall not use the Services in any manner that could damage, disable, overburden, or impair our server, or any network(s) connected to any other server, or interfere with any other party's use and enjoyment of the Services. You shall not attempt to gain unauthorized access to any functions and features, other user accounts, computer systems or networks connected to any other server, in any manner, including, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any materials or information through any means which is not intentionally made available to your Account or through the Services.

You accept that each and every operation emanating from your Device shall be assumed to have been authorised by you.
You shall not copy, reproduce, distribute, or create derivative works or modify the Services Content that is available on the App/Website. Also, you shall not attempt to decompile or reverse engineer or reverse compile our technology/software that is available on the App/Website or transfer the material to another person or “mirror” the material on any other server, including, without limitation, such Java applet, as may be associated with the App/Website and/or the Services from time to time.
You shall request the Company to block the Account and change the password immediately for the Account, if your Device has been lost or stolen.
You are responsible for any and all activities that occur in your Account. You agree to notify the Company immediately of any unauthorized use of the Account or any other breach of security. The Company shall not be liable for any loss to you or your organization owing to negligent actions or a failure on your part to inform the Company within a reasonable time, about loss or theft of your Device and/or any unauthorized access in your Account, either with or without your knowledge.
You shall be liable for losses incurred by the Company or any other party due to a third party's use of your Account. You shall not use any other person's account at any time, without the permission of the account holder and the Company.
The Company shall make all reasonable efforts to ensure that your information is kept confidential. However, the Company shall not be responsible for any disclosure or leakage of confidential information and/or loss or damage of the Device due to theft, negligence or failure on your part to practice safe computing.
You shall ensure that while using the functions and features, all prevailing and applicable laws, rules and regulations, shall at all times, be strictly complied with by you and the Company shall not be liable in any manner whatsoever for default of any nature, by you, regarding the same.
You understand that any agreement made by you for provision of services or receipt of services shall be made between you and the Company and not directly between you and the party to whom such services are provided or from whom such services are sought.
You understand and acknowledge that upon using the Services, you authorize us to access third party sites designated by you, on your behalf, to retrieve such information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant us a limited powers and hereby authorize us with the full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with services and facilities available on the Services, as fully to all intents and purposes as you might or could do in person.
You acknowledge and agree that Commercial Partners (including billers and merchants) listed on the BillZar Platform may, at their sole discretion, permit, restrict, or otherwise determine the payment methods available for settlement of bills, dues or repayment of Utilities, and it shall be your sole responsibility to verify and confirm the payment methods accepted by the relevant Commercial Partner prior to initiating any transaction. BillZar does not, in any manner, determine, control, or guarantee the payment methods accepted or declined by any Commercial Partner, and You expressly assume full risk and responsibility for any consequence arising therefrom. The Company, its owners, directors, officers, employees, agents, and affiliates shall not, in any event whatsoever, be liable for any loss, damage, penalty, fee, or other consequence, whether direct, indirect, special, or consequential, arising out of or in connection with the payment method(s) permitted or declined by any Commercial Partner, and any dispute in this regard shall be a matter solely between You and the concerned Commercial Partner.

You acknowledge and agree that when we access and retrieve information from third party sites, we are acting as your agent, and not the agent or on behalf of the third party.

You agree that such third parties shall be entitled to rely on the foregoing authorization, agency granted by you.

16) Grievance Redressal

The User may report violation of breach of privacy, Information or identify theft or grievances in relation to the Information shared, collected, stored or disseminated by the Company in relation to the Website/Platform through the customer support email address support@billzar.com.

17) Accuracy of Materials

The material as part of the Services and as appearing on the App/Website could include technical, typographical, or photographic errors. The Company does not warrant that any of the material on the App/Website is accurate, complete, verified, or current. While, the Company may make changes to the material made available as the Services or on the App/Website at any time without notice, however it is under no obligation to update the material.

18) Third Party Links, Promotions and Advertisements

All the App/websites linked to the App/Website are not verified by the Company and inclusion of any link does not imply endorsement by the Company and usage/access of/to any such linked App/website is at the user's own risk.

The App/Website may from time to time run promotions and advertisements of third parties, products and/or services. Your relationships and business dealings with any such third parties shall be solely matters between you and such third parties.

You acknowledge and agree that the Company is not responsible or liable for any loss or damage of any kind incurred as a result of any such dealings with such third parties.

19) Indemnification

User agrees to protect, defend and indemnify us and hold us and our officers, directors, partners, employees, agents, investors and representatives harmless from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your access and use of the App/Website and/or the Services in violation of these T&C and/or your infringement, or infringement by any other User of your Account, of any intellectual property or other right of anyone. The terms of this provision will survive any termination or cancellation of these T&C or your use of the Services.

20) Warranties

The Services and the functions and features of the App/Website are provided on an “as is” and on an “as available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

The Company shall make reasonable efforts to provide the Services and the functions and features. However, we make no warranty that the Services shall meet your requirements, be uninterrupted, timely, secure, and/or error free. Further we do not make any warranty as to the results that may be obtained from the use of the functions and features or as to the accuracy, reliability and/or quality of the output derived therefrom.

The Company does not make any warranty as to the results that may be obtained from the use of the functions and features or as to the accuracy, reliability and/or quality of the output derived therefrom.

The Company shall not be liable for the loss and/or damage of the confidential information or data of the User arising as a result of an event or a series of related events, that is beyond its control including failures of or problems with the internet or part of the internet, attempted hacker attacks, hacker attacks, denial of service attacks and/or viruses or other malicious software attacks or infections.

Any material downloaded or otherwise obtained through the Services is done at your own discretion and risk and you are solely responsible for any damage to your Device or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from us through or from the Service will create any warranty not expressly stated in these T&C.

BillZar Wisor is provided solely for informational purposes and does not constitute, and shall not be construed as, financial, investment, legal, or any other form of professional advice. The analyses, insights, and outputs generated by Wisor are derived from User data obtained through SMS, emails, web scraping, and other lawful and permitted means. The User acknowledges and agrees that such data collection methods may not always yield complete, accurate, or timely information. The User shall remain solely responsible for verifying repayment dates, monitoring financial obligations, and making all financial or related decisions. The Company expressly disclaims any and all liability for any loss, damage, penalty, fee, credit score impact, or other consequence arising directly or indirectly from the User's reliance on any output or insight generated by Wisor. For the avoidance of doubt, the Company shall not, under any circumstances, be liable for any missed repayment, penalty, fee, credit score impact, or other adverse consequence resulting from or in connection with the User's reliance on any Wisor output or analysis.

21) Force Majeure

The Company shall not be liable for failing to perform, or delay in performance of, any of its obligations if, and to the extent that, such failure or delay is caused by an event substantially beyond its control, including but not limited to acts of God, acts of the public enemy or governmental authority in its sovereign or contractual capacity (including but not limited to declaration of lockdown), war, terrorism, floods, fire, strikes, epidemics, pandemics, civil unrest or riots, and/or power outage or grid failure.

22) Refund and Chargeback

BillZar shall not be responsible for any incorrect details or inputs given from User's end at the time of transaction at BillZar App. The Estimated time to credit differs on a Bank to Bank basis, which may take 48 to 72 working hours in a normal scenario. In some situations the transaction settlement may take much longer time. BillZar will not be responsible for such scenarios and the User may contact the Bank considering the timeline. In case, the delay in transaction settlement results in to excess charges and late fee towards the credit payment, the User may contact the relevant Bank. BillZar, in any scenario, will not be responsible for any late fee/charges imposed by the Customer Bank.

In case the money is debited from User's Bank account or Instrument and not credited towards the credit repayment within 72 (seventy-two) working hours of completion of the transaction then User may contact the Customer support section. The incident will be lodged and investigated, if it is found that money was indeed charged to User payment instrument without delivery of the payment, subject to the correct information provided by the user, then the money will be refunded to the Source Account within twenty-five (25) working days or as per the present law mandate, from the date of receipt of User query.

All refunds will be credited to the Source Account. However, BillZar disclaims any and all liability, including for refunds, in the event of any error arising from a failure in the applicable bank, card network, BBPS network or any other intermediary service provider's systems or networks.

In case a payment has been erroneously made and credited to a User credit card account or Bank account, BillZar reserves the right to automatically initiate a refund through User's bank. The User is hereby giving her/his consent to refund the wrongful initiated payment and to offset any wrongful transaction. Such transaction or action will be informed to the User in a timely manner.

23) Definitions (Marketplace)

“Marketplace Services” means the digital marketplace payment services, which include the seller onboarding, verification to receive fee payment for education, and other related fees through BillZar app.
“Receiver/Seller/You” means any individual/Beneficiary receiving fee payments through the BillZar Platform for Permitted Services.
“Payer/Buyer/User” means the registered BillZar User accessing the Marketplace and other services provided in the BillZar App.
“Permitted Services” means Education services in the form of tutoring, coaching, counselling, mentoring, training, and such other services expressly authorised by BillZar from time to time.
“Platform” or “BillZar Platform” means the mobile application, website, or technological interface owned and operated by BillZar through which Marketplace Services are provided.
“Transaction Amount” means the total amount paid by the User.
“Platform Fee” or “Convenience Fee” means the commission or fee charged by BillZar for facilitating Marketplace transactions.
“Intellectual Property Rights” are all registered or unregistered intellectual property rights globally, including patents, trademarks, copyrights, database rights, design rights, domain names, and trade secrets.
“Settlement Amount” means the amount payable to the registered seller after deduction of platform fee, including but not limited to any taxes, refunds, chargebacks, and other deductions permitted by law.

24) Scope of Permitted Services

The BillZar Platform functions solely as a technology-based payment facilitation marketplace through which Payer may initiate digital payments to registered Sellers for Permitted Services. BillZar does not provide payment-aggregation or payment-gateway services for the purchase of goods or services. It is strictly limited to providing technical infrastructure, Seller onboarding/registration, and payment settlements to the seller Account. Any use of the Platform outside these permitted categories is prohibited.

BillZar does not review, authenticate, or guarantee the existence, legality, accuracy, performance, quality, adequacy, or fulfilment of any services for which payments are made through the Platform. All responsibilities relating to the provision, performance, quality, duration, or validity of such services rest exclusively with the Buyer and seller of the services. Users acknowledge that BillZar is not liable for any deficiency, breach, failure, or dispute relating to the underlying service relationship.

Nothing in this Agreement shall be construed to create any agency, partnership, employment, fiduciary, or representative relationship between You and BillZar. BillZar does not act as an intermediary for the underlying educational, tuition, or other service transactions and does not confirm the Beneficiary's authority, ownership, rights, competence, or legitimacy beyond standard verification checks undertaken for compliance and risk purposes.

BillZar is not responsible for resolving disputes between the Buyer and Seller and shall not be required to mediate, intervene, arbitrate, or compensate either party in respect of such disputes. BillZar's services are limited to the facilitation of payments, and BillZar shall not be deemed to have knowledge of or responsibility for any private arrangements, contracts, or obligations between the Parties.

BillZar reserves the unilateral right to modify, restrict, suspend, or discontinue any category of Permitted Services; impose or amend eligibility criteria; require further verification; or introduce additional conditions as may be necessary for operational, compliance, or regulatory reasons. BillZar shall not be liable for any consequences arising from such modifications or restrictions.

25) Seller Onboarding/Registration

Eligibility

You represent and warrant that you are competent and eligible to enter into a legally binding agreement and be bound by these T&C. You shall not access and use the Services if you are not competent to contract under the applicable laws, rules and regulations; you are eligible, if:

You are 18 years of age or older;
You are capable of entering into a legally binding agreement; and
You are not barred or otherwise legally prohibited from accessing or using the BillZar App and BillZar Services;
You are legally permitted and possess the necessary qualifications to provide the permitted services in India.

Sellers are required to successfully complete the onboarding process prescribed by BillZar to receive payments via the platform. Seller must provide all information, documents, and details (including but not limited to Legal Name, PAN, Email ID, Bank Account details/VPA ID, and other supporting details) to engage as the registered seller at the Platform. Sellers expressly understand and agree that the completion of the Verification Process does not constitute BillZar's endorsement, confirmation, certification, or guarantee of their identity, legitimacy, authority, ownership rights, or service capacity. BillZar may request additional documentation or information at any time to assess compliance or fraud risk.

The Seller warrants that all data provided to BillZar during the onboarding application process is accurate to the best of their knowledge and belief. BillZar reserves the right to reject the application or immediately suspend/terminate the Seller relationship, without providing any reason, if, at any time during the application processing or the Term, BillZar discovers that the Seller has furnished false information, fabricated, manipulated, or fake documents.

Failure by the Seller to comply with the Verification Process, mandatory information requirements, document-submission requests, re-verification obligations, or any fraud-prevention measure shall constitute a material breach of this Agreement. BillZar may, at its sole discretion and without prior notice, suspend, restrict, or terminate the Seller's account, and withhold or freeze settlements in such cases. BillZar may also report non-compliance or suspicious activity to regulatory or law-enforcement authorities as required. The Beneficiary agrees that BillZar shall not be liable for any consequences arising from such suspension, withholding, or termination.

26) Seller's Warranties and Representations

The Seller further represents, warrants, and undertakes that:

Seller, at all times, is legally permitted and possesses the necessary qualifications to provide the permitted services in India;
Seller will be bound by all the terms and conditions applicable to access and use services and receive payment through the BillZar platform;
Seller shall complete the onboarding process timely. BillZar will not be responsible for any kind of delay.
All the information and documents furnished to BillZar, including identity details, contact information, PAN, service category, banking and financial credentials, and any supporting documents, are at all times true, accurate, complete, current, genuine, and free from misrepresentation.
User shall immediately notify BillZar in writing of any change in Seller's information, including but not limited to any change in ownership or control, address or contact information, bank account or VPA ID, the nature or category of services offered, institutional affiliation or authorisation, or any change in regulatory or legal status.
Seller will not make any false or misleading claims to exploit the app or services;
Seller shall not engage in unethical or illegal activities damaging the goodwill of the BillZar brand and platform;
Sellers shall not share or misuse sensitive and confidential information, infringe third Party Intellectual property rights.
Seller guarantees that the services provided, including all Educational Services, adhere to all Applicable Laws. This encompasses, but is not limited to, compliance with laws concerning education, consumer protection, data protection, and advertising.
Seller shall honour all commitments, representations, and promises made to Users/Payers in course descriptions, promotional materials, advertisements, or onboarding communications, and shall not materially alter, reduce the scope of, or withdraw any such commitment after payment has been received without the prior written consent of the User/Payer.
Seller shall respond promptly and professionally to all queries, complaints, and support requests raised by Users/Payers, acknowledge complaints within forty-eight (48) hours of receipt, endeavour to resolve complaints within seven (7) business days, and maintain a documented record of all complaints and resolutions, which shall be made available to BillZar upon request.
Seller shall maintain complete, accurate, and up-to-date records of all transactions, service arrangements, and communications conducted through or in connection with the BillZar Platform, including payment logs, service documentation, and User/Payer communications, and shall retain such records for a minimum of five (5) years from the date of the relevant transaction or such longer period as required under Applicable Law.
The Seller shall not, under any circumstances, collect, store, process, or retain any payment card data, bank account credentials, UPI credentials, CVV/CVC numbers, OTPs, PINs, passwords, or other sensitive financial information belonging to Users/Payers, and shall not redirect Users/Payers to any payment mechanism outside the BillZar Platform for the collection of payments in respect of Permitted Services.
Seller shall provide BillZar with the right to audit the Seller's operations, records, and compliance with these Terms and Conditions, shall cooperate fully with BillZar's internal compliance teams or any third-party auditors appointed by BillZar, provide all documents and information reasonably requested within the time specified, and promptly remedy any deficiencies or non-compliances identified in the course of any audit.
Seller shall implement and maintain appropriate technical, organisational, and administrative security measures to protect User/Payer data against unauthorised access, disclosure, alteration, loss, or destruction, and shall immediately, and in any event within twenty-four (24) hours of becoming aware, notify BillZar in writing of any actual or suspected security breach, data breach, or unauthorised access to its systems or data, including details of the nature of the incident, the data or systems affected, the likely number of Users/Payers impacted, and the steps taken or proposed to contain and remediate the incident.
Seller confirms that it does not, and undertakes that it will not in the future, engage in or enable money laundering, financing of terrorism, corruption, fraud, or any other illegal activity, and acknowledges that BillZar may suspend settlements or terminate the Seller relationship at any time upon suspicion of such activities.

27) Marketplace User Obligations

User agrees, represents, and warrants that:

All payments initiated through the Platform correspond to genuine, lawful, and subsisting service arrangements with the Receiver. Users shall not initiate payments for fictitious, exaggerated, speculative, or fabricated service relationships, nor misrepresent the nature or purpose of the payment.
Users shall ensure the correctness of all the details entered into the Platform. BillZar shall not be responsible for payments made to an incorrect or unintended Beneficiary due to errors made by the User. BillZar is unable to reverse payments sent to an incorrect Beneficiary due to User error.
Users agree not to use the Platform for (i) self-to-self transactions; (ii) circular or artificial payment flows; (iii) transactions intended to obtain cashback, rewards, or credit benefits unlawfully; or (iv) routing funds to unrelated third parties.
BillZar is not responsible for the quality, sufficiency, duration, legitimacy, or fulfilment of services provided by the Seller and shall not raise service-related complaints against BillZar.
Payer shall actively ensure that the seller is completing the Onboarding process in a timely manner. No claims or damages will be paid by BillZar for such delays and errors.

28) Payments, Settlement and Withholding Rights

Payments made through the Platform are processed through authorised financial institutions and payment partners. BillZar shall settle funds to the Beneficiary only upon successful receipt of payment and completion of internal compliance and risk checks. BillZar may impose settlement cycles, holding periods, transaction limits, payout caps, or other operational controls based on risk, regulatory requirements, or internal policies. BillZar may withhold, delay, freeze, or reverse settlements in circumstances including suspected fraud, inaccurate or unverifiable Beneficiary information, unusual or suspicious transaction patterns, chargebacks, disputes, regulatory obligations, or law-enforcement directions. BillZar shall not be liable for settlement delays caused by banks, UPI networks, technical failures, or external system outages.

Settlement timelines communicated on the Platform are indicative only and may be extended or varied due to compliance checks, operational processes, banking-network delays, or risk-management requirements.

29) Fees and Charges

BillZar may levy service charges, convenience fees, processing fees, settlement fees, or other charges (“Fees”) for any transaction processed through the Platform. Fees may vary based on the nature of the transaction, service category, risk profile, or operational considerations. Applicable Fees shall be disclosed through the Platform or as part of updated terms. BillZar may deduct applicable Fees and statutory taxes directly from settlement amounts payable to the Beneficiary. All Fees are non-refundable unless mandated by law.

30) Chargeback Events

A “Chargeback Event” occurs when a User/Payer disputes a transaction with their bank, card network, or payment provider, resulting in a reversal or clawback of the payment previously settled or due to be settled to the Seller.

All liability in respect of Chargeback Events arising from transactions conducted through the Platform shall be the sole responsibility of the Seller. Upon BillZar being notified of a Chargeback Event, BillZar shall notify the Seller, who must provide all relevant documentation and information required to contest the chargeback within the timeframe specified by the applicable payment partner or card network. Failure to provide such documentation within the required timeframe shall be deemed an acceptance of the chargeback by the Seller.

Where a Chargeback Amount is charged to or recovered from BillZar, BillZar shall be entitled to recover such amount from the Seller by deducting it from future settlement amounts payable to the Seller, or by demanding direct payment from the Seller, at BillZar's discretion. The Seller agrees to promptly reimburse BillZar for any such amounts upon demand. The Seller shall indemnify BillZar for all costs, penalties, fines, and expenses incurred by BillZar arising from or in connection with Chargeback Events attributable to the Seller's transactions or conduct.

31) Prohibited Conduct, Fraud Prevention and AML Compliance

The Platform shall not be used, whether directly or indirectly, for fraud, money laundering, unlawful activities, or any purpose that is fictitious, misleading, deceptive, unauthorised, or otherwise prohibited under applicable law. Users and Beneficiaries are strictly prohibited from engaging in any conduct that involves or facilitates fraudulent transactions; providing false, forged, altered, incomplete, or misleading documents or information; creating or attempting to create non-genuine or fictitious Education Fee or other service relationships; misrepresenting the true nature, purpose, or economic substance of any payment; routing or diverting funds to unrelated or unverified third parties; engaging in circular, artificial, or self-to-self transactions; using the Platform as a pass-through, conduit, or mechanism to obtain unauthorised rewards, credit, cashback, or financial benefits; obscuring or attempting to obscure the identity, origin, or destination of funds; or attempting to bypass, evade, or undermine BillZar's KYC, AML, verification, compliance, or fraud-monitoring systems. The Platform shall also not be used for any activity that is coercive, exploitative, abusive, or intended to misuse BillZar's payment infrastructure in any manner.

As part of BillZar's fraud-prevention and AML risk-control framework, BillZar may impose a mandatory holding period on settlements associated with first-time Sellers or Buyers or first-time transactions. Accordingly, BillZar may withhold or delay settlement of such initial transaction(s) for up to forty-eight (48) hours from the time the payment is successfully received, to complete required verification, fraud checks, and risk assessments. BillZar may extend the holding period or continue withholding settlements where suspicious activity, inconsistencies, or compliance concerns are identified. Users and Beneficiaries acknowledge that such withholding is a standard security measure and does not give rise to any claim or liability against BillZar.

BillZar retains complete and unrestricted discretion to classify any activity or transaction as prohibited, suspicious, or high-risk. Upon identifying actual or suspected prohibited conduct, BillZar may, without prior notice and without liability, freeze or withhold settlements, reverse transactions, suspend or terminate access, demand additional documents or explanations, or report any activity or party to regulatory, governmental, or law-enforcement authorities. BillZar's determination as to whether a transaction or activity constitutes fraud, money laundering, illegal conduct, or prohibited use shall be final, binding, and not subject to challenge.

32) Intellectual Property

The Intellectual Property Rights in the BillZar Platform, its technology, trademarks, branding, and related materials remain the exclusive property of BillZar. The Seller is granted only a limited, non-exclusive, non-transferable, and revocable licence to access and use the Platform solely for the purposes set out in these Terms and Conditions. The Seller shall not reproduce, modify, distribute, reverse-engineer, or create derivative works from any part of the Platform or BillZar's Intellectual Property without BillZar's prior written consent. Nothing in these Terms and Conditions shall be construed as transferring or assigning any Intellectual Property Rights to the Seller.

33) Service-Related Disputes

BillZar is not a party to any service arrangement between Buyer and Seller and shall not be responsible for resolving disputes relating to the underlying services, refunds, or performance. Such disputes must be resolved directly between the parties. BillZar's responsibility is limited solely to payment processing where applicable. BillZar will not issue refunds for completed transactions under any circumstances, including but not limited to disputes, dissatisfaction with services, or incorrect payments made due to errors made by the Parties.

34) Suspension, Restriction and Termination

BillZar may, at its sole discretion and without prior notice, restrict, suspend, or terminate any User or Beneficiary account for breaches of this Agreement, fraud, AML violations, inaccurate information, repeated disputes, regulatory obligations, risk concerns, or non-cooperation with verification requests. BillZar may withhold settlements pending investigation and shall not be liable for any consequences arising from such actions.

35) Indemnity

The Seller agrees to protect, defend, and indemnify BillZar and hold BillZar and its officers, directors, partners, employees, agents, investors, and representatives harmless from and against any and all claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from or related to material breach of these Terms and Conditions, including but not limited to negligence, fraud, or wilful misconduct of the Seller or its employees, agents, or contractors; any violation of Applicable Law; their access to or use of the App/Website and/or the Services in violation of these Terms and Conditions, and/or arising from any infringement, or alleged infringement, of any intellectual property or other rights of any third party by the User, the Beneficiary, or any person accessing the Services through their respective Accounts. This indemnification obligation shall survive the termination, suspension, or cancellation of these Terms and Conditions or the use of the Services by the User or the Beneficiary.

36) Limitation of Liability

To the maximum extent permitted by law, BillZar shall not be liable for any direct, indirect, incidental, punitive, special, or consequential damages, including loss of profits, revenue, business, or goodwill. BillZar shall not be liable for any damages (whether based in contract, tort, negligence, strict liability, or otherwise) arising out of or related to these Terms or the use of the Platform.

38) Relationship with Main T&C and Privacy Policy

These T&Cs constitute a supplemental policy governing the specific Marketplace Services offered through the BillZar Platform. They shall be read together with, and form an integral part of, the BillZar Terms & Conditions (“Main T&C”) and the BillZar Privacy Policy. In the event of any inconsistency or conflict between these T&Cs and the Main T&C, the provisions of the Main T&C shall prevail to the extent of such inconsistency. All terms not defined herein shall have the meaning assigned to them in the Main T&C or the Privacy Policy, as applicable. By using the Marketplace Services, You expressly reaffirm Your acceptance of the Main T&C and the Privacy Policy.

39) Disclaimer

The Platform and Marketplace Services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement.

BillZar does not warrant that: (a) the Platform will be uninterrupted, timely, secure, or error-free at all times; (b) the results obtained from use of the Platform will be accurate or reliable; or (c) any defects or errors in the Platform will be corrected within any particular timeframe.

BillZar shall not be liable for any failure, delay, or degradation in the performance of the Platform caused by factors outside its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, acts of governmental or regulatory authorities, fire, floods, pandemics, epidemics, power failures, internet or network outages, strikes, or failures of third-party service providers, payment networks, or banking systems (“Force Majeure Events”). In the event of a Force Majeure Event, BillZar's obligations under these Terms and Conditions shall be suspended for the duration of such event, and BillZar shall not be liable for any losses, damages, or costs arising from such suspension.

40) Term and Termination

These Terms and Conditions shall commence on the date the Seller completes the onboarding process on the BillZar Platform and shall continue until terminated in accordance with this clause.

Either Party may terminate these Terms and Conditions by providing written notice of at least thirty (30) days to the other Party.

BillZar may suspend or terminate the Seller's account and these Terms and Conditions immediately and without prior notice if: (a) the Seller breaches any provision of these Terms and Conditions; (b) the Seller engages in fraudulent, illegal, or unethical conduct; (c) the Seller provides false, fabricated, or misleading information or documents; (d) BillZar suspects or becomes aware of money laundering, financing of terrorism, or any other illegal activity connected to the Seller; (e) the Seller receives excessive complaints, chargebacks, or disputes from Users/Payers; (f) the Seller becomes insolvent, is subject to bankruptcy or insolvency proceedings, or is unable to pay its debts as they fall due; (g) required by Applicable Law or by the order of any regulatory or governmental authority; or (h) BillZar determines, in its sole discretion, that continuation of the Seller relationship would be detrimental to BillZar's business, Platform, reputation, or interests.

Upon termination: (i) the Seller's access to the Platform shall cease immediately; (ii) BillZar shall settle any outstanding Settlement Amounts due to the Seller after deducting any amounts owed by the Seller to BillZar, subject to any withholding permitted under these Terms and Conditions; and (iii) all clauses that by their nature are intended to survive termination, including Indemnification, Limitation of Liability, Confidentiality, and Dispute Resolution, shall continue to apply.

41) Amendments

BillZar reserves the unrestricted right to amend, modify, supplement, or replace these T&Cs, in whole or in part, at any time and at its sole discretion. Any such amendments shall become effective upon being published on the Platform or communicated through any other means deemed appropriate by BillZar. Buyers and Sellers are responsible for reviewing these T&Cs periodically to remain informed of any changes. Continued access or use of the Platform following the publication of amended terms shall be deemed to constitute acceptance of the updated T&Cs. If a Buyer and Seller does not agree to the revised terms, their sole remedy is to discontinue use of the Platform.

42) Governing Law and Jurisdiction

This Agreement shall be governed by, interpreted, and enforced in accordance with the laws of India. Subject to applicable law, the courts of Bengaluru, Karnataka shall have exclusive jurisdiction over any and all disputes, claims, or proceedings arising out of or relating to this Agreement, the Platform, or the services provided by BillZar. Users and Beneficiaries expressly agree to submit to the personal and exclusive jurisdiction of such courts. No other court shall have jurisdiction unless mandated by statutory requirements.

43) Contact Information

For any queries, grievances, or support requests in connection with these Terms and Conditions or the BillZar Platform, Buyers and Sellers may contact Pixller Technologies Private Limited through the following Email: support@billzar.com

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